United Fire [UFCS] vs Progressive [PGR] Detailed Stock Comparison

United Fire Group, Inc.

NASDAQ
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Progressive Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: United Fire Group, Inc. wins in 8 metrics, Progressive Corporation wins in 12 metrics, with 0 ties. Progressive Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric United Fire Group, Inc. Progressive Corporation Better
P/E Ratio (TTM) 8.92 10.45 United Fire Group, Inc.
Price-to-Book Ratio 1.08 3.75 United Fire Group, Inc.
Debt-to-Equity Ratio 16.93 26.17 United Fire Group, Inc.
PEG Ratio 0.42 1.06 United Fire Group, Inc.
EV/EBITDA 6.02 8.33 United Fire Group, Inc.
Profit Margin (TTM) 8.53% 12.93% Progressive Corporation
Operating Margin (TTM) 14.05% 16.39% Progressive Corporation
EBITDA Margin (TTM) 14.05% 16.39% Progressive Corporation
Return on Equity 13.72% 37.90% Progressive Corporation
Return on Assets (TTM) 2.72% 7.94% Progressive Corporation
Free Cash Flow (TTM) $263.30M $17.20B Progressive Corporation
Dividend Yield 2.12% 8.67% Progressive Corporation
1-Year Return 55.82% -33.18% United Fire Group, Inc.
Price-to-Sales Ratio (TTM) 0.74 1.34 United Fire Group, Inc.
Enterprise Value $1.02B $126.25B Progressive Corporation
EV/Revenue Ratio 0.74 1.41 United Fire Group, Inc.
Revenue per Share (TTM) $54 $153 Progressive Corporation
Earnings per Share (Diluted) $4.48 $19.65 Progressive Corporation
Beta (Stock Volatility) 0.41 0.33 Progressive Corporation
Short % of Float 1.63% 1.25% Progressive Corporation

United Fire Group, Inc. vs Progressive Corporation Stock Performance Analysis

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UFCS
PGR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
United Fire Group, Inc.-1.19%-4.13%10.07%12.21%19.41%21.36%
Progressive Corporation-1.71%-1.75%-2.90%-9.32%-14.84%-8.80%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
United Fire Group, Inc.55.82%99.68%45.30%6.49%144.24%40.51%
Progressive Corporation-33.18%47.03%89.72%479.08%807.96%589.11%

Performance & Financial Health Analysis: United Fire Group, Inc. vs Progressive Corporation

MetricUFCSPGR
Market Information
Market Cap i$1.02B$120.11B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i95,6553,008,670
90 Day Avg. Volume i103,4353,010,043
Last Close$43.18$193.46
52 Week Range$25.79 - $49.94$189.20 - $289.96
% from 52W High-13.54%-33.28%
All-Time High$61.56 (Jul 23, 2018)$292.99 (Mar 17, 2025)
% from All-Time High-29.86%-33.97%
Growth Metrics
Quarterly Revenue Growth0.10%0.09%
Quarterly Earnings Growth0.22%0.10%
Financial Health
Profit Margin (TTM) i0.09%0.13%
Operating Margin (TTM) i0.14%0.16%
Return on Equity (TTM) i0.14%0.38%
Debt to Equity (MRQ) i16.9326.17
Cash & Liquidity
Book Value per Share (MRQ)$36.88$54.71
Cash per Share (MRQ)$6.13$3.64
Operating Cash Flow (TTM) i$269.74M$12.39B
Levered Free Cash Flow (TTM) i$-1,115,687,936$11.31B
Dividends
Last 12-Month Dividend Yield i2.12%8.67%
Last 12-Month Dividend i$0.84$18.40

Valuation & Enterprise Metrics Analysis: United Fire Group, Inc. vs Progressive Corporation

MetricUFCS (Apr 24, 2026)PGR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9210.45
Forward P/E i10.7112.73
PEG Ratio i0.421.06
Price to Sales (TTM) i0.741.34
Price to Book (MRQ) i1.083.75
Market Capitalization
Market Capitalization i$1.02B$120.11B
Enterprise Value i$1.02B$126.25B
Enterprise Value Metrics
Enterprise to Revenue i0.741.41
Enterprise to EBITDA i6.028.33
Risk & Other Metrics
Beta i0.410.33
Book Value per Share (MRQ) i$36.88$54.71

Financial Statements Comparison: United Fire Group, Inc. vs Progressive Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUFCS (2025)PGR (2025)
Revenue/Sales i1.39B87.64B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i147.94M14.22B
Pre-Tax Income % of Revenue i10.7%16.2%
Income Tax i29.75M2.92B
Income Tax % of Revenue i2.1%3.3%
Net Income (Profit) i118.19M11.31B
Profit Margin i8.5%12.9%

Balance Sheet & Liquidity Metrics

MetricUFCS (2025)PGR (2025)
Cash & Equivalents i156.33M125.00M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i146.20M6.90B
Long-Term Debt % of Revenue i10.5%7.9%
Total Shareholders Equity i941.17M30.32B
Retained Earnings i722.32M27.33B
Retained Earnings % of Revenue i52.0%31.2%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricUFCS (2025)PGR (2025)
Operating Cash Flow i89.34M12.39B
Operating Cash Flow % of Revenue i6.4%14.1%
Capital Expenditures i-6.45M-268.00M
Free Cash Flow i263.30M17.20B
FCF Margin i19.0%19.6%
Debt Repayment iN/AN/A
Common Stock Repurchase i-993,000-166.00M

Short Interest & Institutional Ownership Analysis

MetricUFCSPGR
Shares Short i292,4287.29M
Short Ratio i2.842.32
Short % of Float i1.63%1.25%
Shares Outstanding i25.52M584.40M
Float Shares i22.08M582.21M
% Held by Insiders i17.43%0.25%
% Held by Institutions i67.88%89.29%
% Held by Public i14.69%10.46%

Dividend Analysis & Yield Comparison: United Fire Group, Inc. vs Progressive Corporation

MetricUFCSPGR
Last 12-Month Dividend i$0.84$18.40
Last 12-Month Dividend Yield i2.12%8.67%
3-Year Avg Annual Dividend i$0.71$6.62
3-Year Avg Dividend Yield i0.63%0.71%
3-Year Total Dividends i$2.12$19.85
Ex-Dividend DateFeb 24, 2026Jan 02, 2026