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PGR vs. PUK: Progressive vs. Prudential Stock Comparison

How do Progressive (PGR) and Prudential (PUK) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Progressive (PGR) and Prudential (PUK) both belong to the Insurance industry, though PGR is classified under Property & Casualty Insurance while PUK falls under Life & Health Insurance.

Progressive (PGR) trades as ordinary local shares, while Prudential (PUK) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Progressive (PGR) and Prudential (PUK)
Profile ItemPGRPUK
NameThe Progressive CorporationPrudential plc ADR
Country/RegionUnited StatesHong Kong
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceLife & Health Insurance
Market Capitalization131.96 billion USD30.28 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980June 29, 2000
Security TypeCommon StockADR

Price Performance

Cumulative Growth

PGR
PUK
GSPC
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Progressive (PGR) vs. Prudential (PUK), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Progressive (PGR) and Prudential (PUK). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Progressive (PGR) and Prudential (PUK). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Total Return (1Y)11.71%-7.39%
Total Return (3Y, Annualized)15.84%8.09%
Total Return (5Y, Annualized)21.68%-6.78%

Risk Profile

Drawdown History

PGR
PUK
GSPC
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Progressive (PGR) vs. Prudential (PUK), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Progressive (PGR) and Prudential (PUK). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Volatility (1Y, Annualized)26.37%29.81%
Beta (5Y)0.220.64
Max Drawdown (5Y)-30.35%-62.24%
Avg. Volume (3M)2.59M1.21M

Risk-Adjusted Performance

Risk-Return Positioning

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PGR and PUK are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Sharpe Ratio (1Y)0.28-0.39
Sortino Ratio (1Y)0.39-0.54

Profitability

ROE (TTM)

Progressive (PGR) at 33.24% sits in the top ROE quartile, while Prudential (PUK) at 18.74% is closer to the peer norm — stronger capital efficiency for PGR.

PGR

Insurance industry group

33.24%

Max
41.68%
PGR
33.24%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%

PUK

Insurance industry group

18.74%

Max
41.68%
Q3
22.04%
PUK
18.74%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Progressive (PGR) vs. Prudential (PUK): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Prudential (PUK) at 25.49% retains a top-quartile share of revenue as profit, ahead of Progressive (PGR) at 12.67%, which keeps about the industry-typical share.

PGR

Insurance industry group

12.67%

Max
29.92%
Q3
17.03%
PGR
12.67%
Median
10.97%
Q1
6.21%
Min
-4.68%

PUK

Insurance industry group

25.49%

Max
29.92%
PUK
25.49%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Progressive (PGR) vs. Prudential (PUK): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Progressive (PGR) in Insurance and Prudential (PUK) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
ROE (TTM)33.24%18.74%
ROA (TTM)7.53%1.60%
Net Margin (TTM)12.67%25.49%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Prudential (PUK) at 68.98% clears its industry range for revenue growth, far stronger top-line momentum than Progressive (PGR) at 16.32%, which is closer to a typical peer reading.

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Progressive (PGR) vs. Prudential (PUK): A comparison of their Revenue Growth across different time periods.

EPS Growth

Prudential (PUK) at 82.74% sits in the top EPS growth quartile, while Progressive (PGR) at 33.54% is closer to the peer norm — faster per-share earnings growth for PUK.

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Progressive (PGR) vs. Prudential (PUK): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Revenue Growth (YoY)16.32%68.98%
Revenue Growth (3Y CAGR)20.90%--
EPS Growth (YoY)33.54%82.74%
EPS Growth (3Y CAGR)153.53%61.41%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Progressive (PGR) in Insurance and Prudential (PUK) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Progressive (PGR) in Insurance and Prudential (PUK) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Progressive (PGR) at 0.17% and Prudential (PUK) at 1.10% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

PGR

Insurance industry group

0.17%

Max
5.12%
Q3
2.15%
Median
0.98%
PGR
0.17%
Q1
0.00%
Min
0.00%

PUK

Insurance industry group

1.10%

Max
5.12%
Q3
2.15%
PUK
1.10%
Median
0.98%
Q1
0.00%
Min
0.00%
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Progressive (PGR) vs. Prudential (PUK): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Prudential (PUK) at 18.71% pays out a band-typical share of earnings, while Progressive (PGR) at 70.03% distributes more than its industry norm — less retained, thinner cover.

PGR

Insurance industry group

70.03%

Max
76.67%
PGR
70.03%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

PUK

Insurance industry group

18.71%

Max
76.67%
Q3
35.18%
PUK
18.71%
Median
14.74%
Q1
0.00%
Min
0.00%
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Progressive (PGR) vs. Prudential (PUK): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
Dividend Yield (TTM)0.17%1.10%
Dividend Payout Ratio (TTM)70.03%18.71%

Valuation

P/E Ratio (TTM)

Prudential (PUK) at 8.72 sits in the cheaper P/E ratio quartile, while Progressive (PGR) at 11.47 is closer to its industry’s usual earnings multiple — a discount for PUK, though growth and earnings durability still matter.

PGR

Insurance industry group

11.47

Max
28.37
Q3
18.75
Median
12.23
PGR
11.47
Q1
9.08
Min
2.32

PUK

Insurance industry group

8.72

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
PUK
8.72
Min
2.32
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Progressive (PGR) vs. Prudential (PUK): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Progressive (PGR) at 1.44 and Prudential (PUK) at 2.12 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

PGR

Insurance industry group

1.44

Max
4.03
Q3
2.25
PGR
1.44
Median
1.23
Q1
0.85
Min
0.07

PUK

Insurance industry group

2.12

Max
4.03
Q3
2.25
PUK
2.12
Median
1.23
Q1
0.85
Min
0.07
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Progressive (PGR) vs. Prudential (PUK): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Progressive (PGR) at 3.82 sits in the upper P/B ratio quartile, and Prudential (PUK) at 6.29 prices even higher, above its industry range.

PGR

Insurance industry group

3.82

Max
5.07
PGR
3.82
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30

PUK

Insurance industry group

6.29

PUK
6.29
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
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Progressive (PGR) vs. Prudential (PUK): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Progressive (PGR) and Prudential (PUK)
MetricPGRPUK
P/E Ratio (TTM)11.478.72
P/S Ratio (TTM)1.442.12
P/B Ratio (MRQ)3.826.29
Free Cash Flow Yield (TTM)----