Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ProgressiveLTS:0KOC +0.22%86 3-Year EBITDA Growth Rate is 115.80% as of Jun. 2026, which is 764% above its 10-year median of 13.40. GuruFocus rates LTS:0KOC with a GF Score™ of 86/100 and a GF Value™ of $274.28 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 289 Insurance companies, Progressive ranks better than 96.19% on this metric.
During the past 12 months, Progressive's average EBITDA Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 115.80% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 22.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 16.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Progressive was 235.50% per year. The lowest was -70.60% per year. And the median was 13.40% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Progressive 3-Year EBITDA Growth Rate Related Terms
LTS:0KOC vs CB, TRV, ALL: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Progressive's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Progressive 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Progressive's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Progressive's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 115.80% mean?
Progressive (LTS:0KOC) has a 3-Year EBITDA Growth Rate of 115.80% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Progressive and its competitors. This is 764% above median its historical median of 13.40. According to the industry distribution chart, Progressive ranks #11 out of 289 companies in the Insurance industry, placing it in the top 3.8%.
Is Progressive's 3-Year EBITDA Growth Rate too high?
Progressive's current 3-Year EBITDA Growth Rate of 115.80% is 764% above median its 10-year median of 13.40. The Insurance industry median 3-Year EBITDA Growth Rate is 15.50. Progressive's value of 115.80% is 647.1% above this industry median. Based on the distribution chart, Progressive ranks #11 out of 289 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Progressive has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Progressive's 3-Year EBITDA Growth Rate compare to CB and TRV?
According to the Insurance industry distribution chart, Progressive ranks #11 out of 289 companies for 3-Year EBITDA Growth Rate. This places Progressive in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 15.50. Progressive's value of 115.80% is 647.1% above this benchmark. While the company's 10-year median is 13.40 vs. the industry median of 15.50, Progressive has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 15.50, based on 289 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Progressive's current 3-Year EBITDA Growth Rate of 115.80% is 647.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Progressive and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 15.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Progressive's current 3-Year EBITDA Growth Rate is 115.80%, which is 764% above median its own 10-year median of 13.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Progressive stock overvalued right now?
Based on GuruFocus' analysis, Progressive (LTS:0KOC) is currently considered Modestly Undervalued. The stock's GF Value™ is $274.28, compared to a current price of $216.28 — trading 21.1% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 115.80%, which is 764% above median its 10-year median of 13.40 and 647.1% above the Insurance industry median of 15.50. Progressive's overall GF Score™ is 86/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Progressive (LTS:0KOC), the current 3-Year EBITDA Growth Rate is 115.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Progressive (LTS:0KOC) Overvalued in 2026?
Based on GuruFocus' analysis, Progressive stock appears to be undervalued.
The current stock price of $216.28 is trading 21.1% below its estimated GF Value™ of $274.28.
GuruFocus considers Progressive to be Modestly Undervalued.
Key valuation signals for LTS:0KOC:
3-Year EBITDA Growth Rate: 115.80% (764% above median its 10-year median of 13.40)
GF Value™: $274.28 vs. price of $216.28 (21.1% below fair value)
Industry Position: 647.1% above the Insurance median (#11 of 289)
No single metric tells the full story. See the LTS:0KOC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Progressive underwrites private and commercial auto insurance and specialty lines; it has almost 27 million personal auto policies in force and is one of the largest auto insurers in the United States. Progressive markets its policies through independent insurance agencies in the US and Canada and directly via the internet and telephone. Its premiums are split between the agent and the direct channel. The company also offers commercial auto policies and entered homeowners insurance through an acquisition in 2015.
86GF Score
Get the complete analysis for LTS:0KOC
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0KOC has been successfully added to your 
