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

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

Company Profile

SymbolPGRWTW
Company NameThe Progressive CorporationWillis Towers Watson Public Limited Company
CountryUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS IndustryInsuranceInsurance
Market Capitalization143.13 billion USD32.82 billion USD
ExchangeNYSENasdaqGS
Listing DateMarch 17, 1980June 12, 2001
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of PGR and WTW 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. WTW: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolPGRWTW
5-Day Price Return-2.61%0.30%
13-Week Price Return-11.92%9.22%
26-Week Price Return-9.47%3.33%
52-Week Price Return1.61%18.00%
Month-to-Date Return0.85%6.54%
Year-to-Date Return1.87%7.41%
10-Day Avg. Volume3.03M0.51M
3-Month Avg. Volume3.29M0.67M
3-Month Volatility21.59%18.75%
Beta0.330.74

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.

WTW

1.73%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

WTW’s Return on Equity of 1.73% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

PGR vs. WTW: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

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.

WTW

1.40%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

Falling into the lower quartile for the Insurance industry, WTW’s Net Profit Margin of 1.40% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

PGR vs. WTW: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

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.

WTW

6.24%

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.

PGR vs. WTW: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

SymbolPGRWTW
Return on Equity (TTM)36.50%1.73%
Return on Assets (TTM)9.53%0.49%
Net Profit Margin (TTM)12.66%1.40%
Operating Profit Margin (TTM)16.28%6.24%
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.

WTW

1.13

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.

PGR vs. WTW: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

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.

WTW

0.66

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.

PGR vs. WTW: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

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.

WTW

1.41

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.

PGR vs. WTW: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

SymbolPGRWTW
Current Ratio (MRQ)0.081.13
Quick Ratio (MRQ)0.041.11
Debt-to-Equity Ratio (MRQ)0.210.66
Interest Coverage Ratio (TTM)39.401.41

Growth

Revenue Growth

PGR vs. WTW: 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. WTW: 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

1.93%

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.

WTW

1.14%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

WTW’s Dividend Yield of 1.14% 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.

PGR vs. WTW: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

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.

WTW

14.79%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

WTW’s Dividend Payout Ratio of 14.79% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

PGR vs. WTW: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

SymbolPGRWTW
Dividend Yield (TTM)1.93%1.14%
Dividend Payout Ratio (TTM)27.53%14.79%

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.

WTW

227.81

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

At 227.81, WTW’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

PGR vs. WTW: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

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.

WTW

3.18

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

WTW’s P/S Ratio of 3.18 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.

PGR vs. WTW: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

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.

WTW

3.75

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

WTW’s P/B Ratio of 3.75 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.

PGR vs. WTW: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

SymbolPGRWTW
Price-to-Earnings Ratio (TTM)14.23227.81
Price-to-Sales Ratio (TTM)1.803.18
Price-to-Book Ratio (MRQ)4.803.75
Price-to-Free Cash Flow Ratio (TTM)9.0124.67