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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Mike Zaremski | BMO Capital Markets | 11 | 27% |
| Dave Motemaden | Evercore ISI | 9 | 22% |
| Josh Shanker | Bank of America | 8 | 25% |
| Elyse Greenspan | Wells Fargo | 7 | 0% |
| Greg Peters | Raymond James | 6 | 0% |
| Jian Huang | Morgan Stanley | 6 | 17% |
| Jim Bhullar | JPMorgan | 5 | 40% |
| Rob Cox | Goldman Sachs | 5 | 0% |
| Katie Sakys | Autonomous Research | 4 | 0% |
| Tracy Benguigui | Wolfe Research | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Evercore ISI | 2 | 11 | 18% |
| BMO Capital Markets | 1 | 11 | 27% |
| Morgan Stanley | 2 | 8 | 13% |
| Bank of America |
| 1 |
| 8 |
| 25% |
| Wells Fargo | 1 | 7 | 0% |
| Raymond James | 1 | 6 | 0% |
| Goldman Sachs | 1 | 5 | 0% |
| JPMorgan | 1 | 5 | 40% |
Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters. The company captured 1.9 points of personal auto market share in 2025, reaching 18.6%, and set a Q1 record for media spending — up 20% year-over-year — to sustain its growth trajectory. Management identified the Robinson homeowner segment as a $40-50 billion top-line opportunity and announced a deep dive on Property growth for Q2, while monitoring potential macro headwinds from elevated fuel prices and tariff-driven parts cost inflation.
Pricing | Demand | Margin | Competitive Dynamics | Capital Allocation | Innovation & R&D | Revenue Growth | Product Launch | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 4 | 1 | 1 | 2 | 1 | 1 | 1 |
| 2025Q1 | 5 | 2 | 2 | 3 | 3 | 2 | 1 | |
| 2025Q2 | 7 | 8 | 5 | 3 | 2 | 4 | 1 | 2 |
| 2025Q3 | 6 | 5 | 5 | 5 | 4 | 4 | 4 | 3 |
| 2025Q4 | 3 | 2 | 3 | 1 | 1 | 1 | ||
| 2026Q1 | 2 | 3 | 3 | 6 | 2 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Pricing | 3 | 5 | 7 | 6 | 3 | 2 |
| Demand | 4 | 2 | 8 | 5 | 2 | 3 |
| Margin | 1 | 2 | 5 | 5 | 3 | 3 |
| Competitive Dynamics | 1 | 3 | 3 | 5 | 1 | 6 |
| Capital Allocation | 2 | 3 | 2 | 4 | 2 | |
| Innovation & R&D | 1 | 4 | 4 | 1 | 2 | |
| Revenue Growth | 1 | 2 | 1 | 4 | 1 | 1 |
| Product Launch | 1 | 1 | 2 | 3 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
PGR Progressive Corporation | 7 | +8.7% | |
| ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| CINF Cincinnati Financial | 7 | +11.6% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| KMPR Kemper Corporation | 2 | -6.8% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| MCY Mercury General Corporation | 8 | +10.5% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |