PGR vs. RLI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at PGR and RLI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | PGR | RLI |
|---|---|---|
| Company Name | The Progressive Corporation | RLI Corp. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 148.12 billion USD | 6.24 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of PGR and RLI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | PGR | RLI |
|---|---|---|
| 5-Day Price Return | 0.69% | 0.74% |
| 13-Week Price Return | -12.34% | -10.85% |
| 26-Week Price Return | -3.61% | -10.72% |
| 52-Week Price Return | 6.27% | -9.73% |
| Month-to-Date Return | 4.40% | 2.89% |
| Year-to-Date Return | 5.45% | -17.62% |
| 10-Day Avg. Volume | 2.96M | 0.42M |
| 3-Month Avg. Volume | 3.30M | 0.52M |
| 3-Month Volatility | 21.43% | 17.74% |
| Beta | 0.33 | 0.57 |
Profitability
Return on Equity (TTM)
PGR
36.50%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
PGR’s Return on Equity of 36.50% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
RLI
19.57%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, RLI’s Return on Equity of 19.57% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
PGR
12.66%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
PGR’s Net Profit Margin of 12.66% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
RLI
17.80%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 17.80% places RLI in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
PGR
16.28%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
RLI
22.62%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | PGR | RLI |
|---|---|---|
| Return on Equity (TTM) | 36.50% | 19.57% |
| Return on Assets (TTM) | 9.53% | 5.59% |
| Net Profit Margin (TTM) | 12.66% | 17.80% |
| Operating Profit Margin (TTM) | 16.28% | 22.62% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
PGR
0.08
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
RLI
1.00
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
PGR
0.21
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
RLI
0.06
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
PGR
39.40
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
RLI
39.17
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | PGR | RLI |
|---|---|---|
| Current Ratio (MRQ) | 0.08 | 1.00 |
| Quick Ratio (MRQ) | 0.04 | 1.00 |
| Debt-to-Equity Ratio (MRQ) | 0.21 | 0.06 |
| Interest Coverage Ratio (TTM) | 39.40 | 39.17 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
PGR
1.93%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
PGR’s Dividend Yield of 1.93% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
RLI
3.77%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
RLI’s Dividend Yield of 3.77% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
PGR
27.53%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
PGR’s Dividend Payout Ratio of 27.53% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
RLI
68.15%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
RLI’s Dividend Payout Ratio of 68.15% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | PGR | RLI |
|---|---|---|
| Dividend Yield (TTM) | 1.93% | 3.77% |
| Dividend Payout Ratio (TTM) | 27.53% | 68.15% |
Valuation
Price-to-Earnings Ratio (TTM)
PGR
14.23
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
PGR’s P/E Ratio of 14.23 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
RLI
19.33
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
A P/E Ratio of 19.33 places RLI in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
PGR
1.80
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
PGR’s P/S Ratio of 1.80 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
RLI
3.44
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
RLI’s P/S Ratio of 3.44 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
PGR
4.80
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
At 4.80, PGR’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
RLI
3.82
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
RLI’s P/B Ratio of 3.82 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | PGR | RLI |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 14.23 | 19.33 |
| Price-to-Sales Ratio (TTM) | 1.80 | 3.44 |
| Price-to-Book Ratio (MRQ) | 4.80 | 3.82 |
| Price-to-Free Cash Flow Ratio (TTM) | 9.01 | 11.25 |