Seek Returns logo

PGR vs. UPST: A Head-to-Head Stock Comparison

Updated on

Here’s a clear look at PGR and UPST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolPGRUPST
Company NameThe Progressive CorporationUpstart Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceConsumer Finance
Market Capitalization144.52 billion USD5.52 billion USD
ExchangeNYSENasdaqGS
Listing DateMarch 17, 1980December 16, 2020
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of PGR and UPST 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.

PGR vs. UPST: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolPGRUPST
5-Day Price Return2.90%-16.19%
13-Week Price Return-7.46%-21.46%
26-Week Price Return-9.39%-3.92%
52-Week Price Return-1.65%24.36%
Month-to-Date Return-0.04%-30.68%
Year-to-Date Return3.06%-17.49%
10-Day Avg. Volume3.17M8.98M
3-Month Avg. Volume3.34M6.63M
3-Month Volatility18.80%70.63%
Beta0.312.35

Profitability

Return on Equity (TTM)

PGR

36.50%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

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.

UPST

-0.97%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

UPST has a negative Return on Equity of -0.97%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

PGR vs. UPST: A comparison of their Return on Equity (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

PGR

12.66%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

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.

UPST

-0.75%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

UPST has a negative Net Profit Margin of -0.75%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

PGR vs. UPST: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

PGR

16.28%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

UPST

-1.94%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

UPST has a negative Operating Profit Margin of -1.94%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

PGR vs. UPST: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolPGRUPST
Return on Equity (TTM)36.50%-0.97%
Return on Assets (TTM)9.53%-0.28%
Net Profit Margin (TTM)12.66%-0.75%
Operating Profit Margin (TTM)16.28%-1.94%
Gross Profit Margin (TTM)--80.43%

Financial Strength

Current Ratio (MRQ)

PGR

0.08

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

UPST

1.48

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PGR vs. UPST: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

PGR

0.21

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

UPST

1.98

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

PGR vs. UPST: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

PGR

39.40

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

UPST

-15.69

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

PGR vs. UPST: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolPGRUPST
Current Ratio (MRQ)0.081.48
Quick Ratio (MRQ)0.041.48
Debt-to-Equity Ratio (MRQ)0.211.98
Interest Coverage Ratio (TTM)39.40-15.69

Growth

Revenue Growth

PGR vs. UPST: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

PGR vs. UPST: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

PGR

1.98%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

PGR’s Dividend Yield of 1.98% 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.

UPST

0.00%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

UPST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

PGR vs. UPST: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

PGR

27.53%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
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.

UPST

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

UPST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

PGR vs. UPST: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolPGRUPST
Dividend Yield (TTM)1.98%0.00%
Dividend Payout Ratio (TTM)27.53%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

PGR

13.89

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

PGR’s P/E Ratio of 13.89 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.

UPST

--

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

P/E Ratio data for UPST is currently unavailable.

PGR vs. UPST: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

PGR

1.76

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

PGR’s P/S Ratio of 1.76 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.

UPST

5.89

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

With a P/S Ratio of 5.89, UPST trades at a valuation that eclipses even the highest in the Consumer Finance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

PGR vs. UPST: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

PGR

4.80

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

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.

UPST

8.52

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

At 8.52, UPST’s P/B Ratio is at an extreme premium to the Consumer Finance 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.

PGR vs. UPST: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolPGRUPST
Price-to-Earnings Ratio (TTM)13.89--
Price-to-Sales Ratio (TTM)1.765.89
Price-to-Book Ratio (MRQ)4.808.52
Price-to-Free Cash Flow Ratio (TTM)8.8017.26