PGR vs TRV Stock Comparison
Compare PGR vs TRV on performance, valuation, growth, fundamentals, momentum and risk; the current AIQ evidence does not show a clear headline leader.
What is the main difference between PGR and TRV?
PGR and TRV are close on the current AIQ evidence, so the better fit depends more on objective, risk tolerance and valuation preference than on a single headline score.
AlgovestIQ AIQ Comparison
The Progressive Corporation vs The Travelers Companies, Inc.
PGR and TRV are effectively level
PGR and TRV are effectively level on the AIQ Score; the factor table below shows where each one holds its advantage.
The Progressive Corporation
The Travelers Companies, Inc.
The Algovestiq AIQ Score does not currently separate PGR and TRV as of Oct 31, 2026. Both names are scored on the same 0–100 scale across Quality, Value, Momentum and Risk Resilience, and the factor table below shows where each one holds its advantage.
Compare The Progressive Corporation and The Travelers Companies, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare PGR and TRV against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality83 vs 67PGR +16
- Risk Resilience46 vs 62TRV +16
- Momentum72 vs 83TRV +11
- Value59 vs 60Even
Neither name separates cleanly on the covered dimensions.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum -5
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum -4
No signal started or stopped since the prior session; its 5 active signals are unchanged.
Deeper signal detail for each name lives on its own signals page — PGR and TRV both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
EvenNeither separates on the overall score.
Growth
TRVTRV on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
TRVTRV on the Momentum factor, by 11 points.
Lower downside
TRVTRV on Risk Resilience, by 16 points.
Analyst upside
PGRPGR on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | PGR | TRV | Note |
|---|---|---|---|
| Implied upside to target | -3.9% | -9.9% | PGR has more room |
| Target dispersion | +22% | +39.2% | Lower is tighter analyst agreement |
| Consensus | Hold | Hold | Context, not a primary driver |
| Analysts covering | 13 | 11 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | PGR | TRV |
|---|---|---|
| 5Y dividend CAGR | 0.00% | 5.24% |
| 2020 regular DPS | $0.300 | $3.370 |
| 2025 regular DPS | $0.300 | $4.350 |
| Years increased | 1 | 5 |
| No cut in window | No (2) | Yes |
| Cohort rank | not ranked | #241 |
TRV grew its split-adjusted regular dividend faster over 2020–2025 — 5.24% a year against PGR's 0.00%. TRV never reduced its regular dividend in the window; PGR did in 2 years. They are ranked in different cohorts — variable-dividend payers and US dividend-paying corporations — so their ranks are not comparable with each other.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
How each independent group of evidence reads the pair.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 68 vs 68 |
| Fundamentals | TRVon balance | revenue growth -1.8% vs 2.1%; EPS growth -23.1% vs -11.6%; TTM ROE 35.4% vs 26.2%; gross margin 48.1% vs 34.9%; operating margin 16% vs 21.6% — TRV takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 59 vs 60 |
| Technicals | TRV | Price vs 50-day 6.5% vs 6.2%; vs 200-day 8% vs 19.9% |
| Risk Resilience | TRV | Risk Resilience 46 vs 62 |
| Analyst expectations | PGR | Target upside -3.9% vs -9.9% |
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 0 points. (argues the conclusion is provisional)
- Only 0 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28PGR lead: Weakening — the AIQ differential moved from 4 to 0 points over 30 sessions.
- Today
- Level
- 68 vs 68
- 7 sessions ago
- Level
- 70 vs 70
- 30 sessions ago
- PGR +4
- 59 vs 55
- 90 sessions ago
- PGR +9
- 66 vs 57
The lead changed hands 5 times in this window, most recently on Oct 1 when PGR moved ahead of TRV.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 0 bearish
No signal that the other name lacks.
5 bullish / 0 bearish
Only TRV
- 52-Week High Proximity — bullish, risk, long horizon (1.9%)
Both carry 4 more signals that do not separate them: Golden Cross Active, EMA Ribbon Expansion Bullish, Uptrend Structure Active, MACD Bullish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 1 points over the same session — price and model disagree (price +0.48%, AIQ -1 points).
Price and the AIQ Score both moved down over the latest session (price -0.51%, AIQ -1 points).
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
TRV leads on balance| Metric | PGR | TRV |
|---|---|---|
| Revenue growth (YoY) | -1.8% | 2.1% |
| EPS growth (YoY) | -23.1% | -11.6% |
| Gross margin | 48.1% | 34.9% |
| Operating margin | 16% | 21.6% |
| Return on equity (TTM) | 35.4% | 26.2% |
| Debt to equity | 0.24 | 0.34 |
Performance
TRV leads 4 of 6 windows| Metric | PGR | TRV |
|---|---|---|
| 1 week (5 sessions) | 1.9% | -1.2% |
| 1 month (20 sessions) | 8.9% | 10.5% |
| 3 months (63 sessions) | 5.8% | 4.8% |
| 6 months (126 sessions) | 12.5% | 30.4% |
| Year to date | -0.9% | 35.8% |
| 1 year (252 sessions) | 3% | 46% |
Technicals
TRV has the stronger structure| Metric | PGR | TRV |
|---|---|---|
| RSI (14) | 58.7 | 69.3 |
| ADX (14) | 14.2 | 20.5 |
| Price vs 50-day | 6.5% | 6.2% |
| Price vs 200-day | 8% | 19.9% |
| Volatility (1M, annualized) | 26.1% | 19.1% |
Risk
TRV is the more resilient| Metric | PGR | TRV |
|---|---|---|
| Beta | -0.5 | -0.18 |
| Sharpe ratio | 0.22 | 1.78 |
| Sortino ratio | 0.29 | 3.11 |
| Max drawdown | -19.4% | -10.3% |
| Current drawdown | -4.5% | -2.8% |
| Annualized volatility | 27.3% | 20.7% |
| Value at risk (95%) | -2.4% | -1.9% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which has more analyst upside, PGR or TRV?
Analyst price targets imply -3.9% upside for PGR and -9.9% for TRV, so the Street currently favors PGR. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, PGR or TRV?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, PGR or TRV?
TRV on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, PGR or TRV?
TRV on the Momentum factor, by 11 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, PGR or TRV?
TRV is the more resilient of the two, so the other name carries the higher downside risk. TRV on Risk Resilience, by 16 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is PGR more profitable than TRV?
The profitability evidence is mixed: gross margin 48.1% vs 34.9%; operating margin 16% vs 21.6%; ttm roe 35.4% vs 26.2%. PGR leads on two measures and TRV on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
What do the current signals say about PGR and TRV?
PGR: 4 bullish / 0 bearish. TRV: 5 bullish / 0 bearish. The most decision-relevant rule on PGR is Golden Cross Active (bullish, long horizon). On TRV it is Golden Cross Active (bullish, long horizon).
Compare PGR and TRV with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.