PGR
The Progressive Corporation
PGR trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PGR overall, supported by stronger modeled upside and stronger fundamentals.
PGR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
PGR's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PGR.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
PGR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $211 | -10% |
| Current | 12x | $235 | — |
| Forward | 15x | $235 | — |
| Fair | 16x | $311 | +32% |
| Expensive | 46x | $904 | +284% |
Historical ranges are pointers, not guarantees.
PGR's PE is in its cheap range at 12x. Analysts expect earnings to fall, which would put today's price at 15x next year's earnings, in its fair range.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over PGR in the historical PE scenario, which offers more potential upside but is not a forecast.
PGR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Growth | |
| Strongly weakening | |
| Moderate | |
| Low |
Analysts expect PGR's revenue to grow, but its earnings and profitability to decline. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PGR on the outlook, with more favorable valuation and earnings expectations.
PGR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $15.96 | -20% |
| Q3 2026 | $19.85 | +8.9% |
| Q2 2026 | $19.93 | +12% |
| Q1 2026 | $19.66 | +33% |
| Q4 2025 | $19.23 | +34% |
| Q3 2025 | $18.23 | +32% |
| Q2 2025 | $17.75 | +52% |
| Q1 2025 | $14.83 | +52% |
| Q4 2024 | $14.40 | +119% |
PGR has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
PGR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.2B | +3% |
| Q2 2026 | $23.6B | +7.3% |
| Q1 2026 | $22.2B | +8.7% |
| Q4 2025 | $22.7B | +12% |
| Q3 2025 | $22.5B | +14% |
| Q2 2025 | $22B | +21% |
| Q1 2025 | $20.4B | +18% |
| Q4 2024 | $20.3B | +20% |
PGR's revenue has grown year over year for 17 quarters in a row: $23.2B last quarter, up 3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | -0.8 points |
| Q2 2026 | 18% | -0.3 points |
| Q1 2026 | 16% | +0.2 points |
| Q4 2025 | 16% | +1.6 points |
| Q3 2025 | 15% | -0.2 points |
| Q2 2025 | 18% | +7.8 points |
| Q1 2025 | 16% | -1.2 points |
| Q4 2024 | 15% | -0.2 points |
PGR's operating margin was 14% last quarter, down 0.8 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over PGR on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over PGR on profitability, with a higher operating margin.
PGR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.4B | -14% |
| Q2 2026 | $3.5B | -12% |
| Q1 2026 | $4.3B | -15% |
| Q4 2025 | $3B | +5.2% |
| Q3 2025 | $5.1B | +13% |
| Q2 2025 | $3.9B | +23% |
| Q1 2025 | $5.1B | +21% |
| Q4 2024 | $2.9B | +23% |
PGR has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
PGR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -2M shares |
| 1 year | -1% | -6M shares |
| 3 years | -0.9% | -5.3M shares |
| 5 years | -0.8% | -4.9M shares |
| Available history | -0.9% | -5M shares |
PGR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
PGR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -0.0x | Net Cash |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.0x | Net Cash |
| Q1 2025 | -0.0x | Net Cash |
| Q4 2024 | -0.0x | Net Cash |
| Q3 2024 | -0.0x | Net Cash |
| Q2 2024 | -0.0x | Net Cash |
| Q1 2024 | -0.0x | Net Cash |
PGR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PGR.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
PGR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.4 | Neutral |
| Stochastic | 80.4 | Overbought |
PGR's weekly RSI is 62 (neutral) and its Stochastic is 80 (overbought).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
PGR PE vs Financial Services Sector
| Metric | PGR | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.9% below |
| PE % | 28 | 63 | 35 pts below |
PGR has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
PGR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $221.8 | 6.2% above |
| 20 week MA | $219.2 | 7.4% above |
| 50 week MA | $211.9 | 11% above |
| 100 week MA | $232.6 | 1.3% above |
| 200 week MA | $206.3 | 14% above |
PGR has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
PGR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $72.2 | $98.3 | +36% |
| 2021 | $98.3 | $101.3 | +3% |
| 2022 | $101.3 | $129.4 | +28% |
| 2023 | $129.4 | $159.3 | +23% |
| 2024 | $159.3 | $241.0 | +51% |
| 2025 | $241.0 | $227.1 | -5.8% |
| 2026 YTD | $227.1 | $235.5 | +3.7% |
PGR has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.