Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Progressive's 5-Year RORE % for the quarter that ended in Mar. 2026 was 29.43%.
The industry rank for Progressive's 5-Year RORE % or its related term are showing as below:
XSWX:PGR's 5-Year RORE % is ranked better than 86.73% of 452
companies
in the Insurance industry
Industry Median: 11.41
vs XSWX:PGR: 29.43
Progressive (XSWX:PGR) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Progressive 5-Year RORE % Related Terms
Progressive 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Progressive's 5-Year RORE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XSWX:PGR vs CB, TRV, ALL: 5-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Progressive's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Progressive's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Progressive's 5-Year RORE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
Progressive (XSWX:PGR) has a 5-Year RORE % of 29.43 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Progressive and its competitors. According to the industry distribution chart, Progressive ranks #60 out of 452 companies in the Insurance industry, placing it in the top 13.3%.
Is Progressive's 5-Year RORE % too high?
Progressive's current 5-Year RORE % is 29.43. The Insurance industry median 5-Year RORE % is 11.41. Progressive's value of 29.43 is 157.9% above this industry median. Based on the distribution chart, Progressive ranks #60 out of 452 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Progressive has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Progressive's 5-Year RORE % compare to CB and TRV?
According to the Insurance industry distribution chart, Progressive ranks #60 out of 452 companies for 5-Year RORE %. This places Progressive in the top 13% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 11.41. Progressive's value of 29.43 is 157.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 11.41, based on 452 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Progressive's current 5-Year RORE % of 29.43 is 157.9% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Progressive and its competitors. For the Insurance industry, the median 5-Year RORE % is 11.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Progressive's current 5-Year RORE % is 29.43. 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?
Progressive (XSWX:PGR) has a current 5-Year RORE % of 29.43. The stock's GF Value™ is CHF213.28, compared to a current price of CHF182.70 — trading 14.3% below its estimated fair value. The current 5-Year RORE % is 29.43 and 157.9% above the Insurance industry median of 11.41. Progressive's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Progressive (XSWX:PGR), the current 5-Year RORE % is 29.43 as of Mar. 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 (XSWX:PGR) Overvalued in 2026?
Based on GuruFocus' analysis, Progressive stock appears to be undervalued.
The current stock price of CHF182.70 is trading 14.3% below its estimated GF Value™ of CHF213.28.
Key valuation signals for XSWX:PGR:
5-Year RORE %: 29.43
GF Value™: CHF213.28 vs. price of CHF182.70 (14.3% below fair value)
Industry Position: 157.9% above the Insurance median (#60 of 452)
No single metric tells the full story. See the XSWX:PGR 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.
80GF Score
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