PG
PGR
Jun 30, 2023
Quarter ended Jun 30, 2023 · FY2023 Q2

The Progressive Corporation stock research

The Progressive (PGR) Free Cash Flow — Quarter Ended Jun 30, 2023

Revenue, operating cash flow, capital expenditure, and free cash flow all increased compared to the same quarter one year earlier, while free cash flow margin improved. Compared to the immediately preceding quarter, revenue rose, but operating cash flow, free cash flow, and margin were lower, with capital expenditure higher.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue, operating cash flow, capital expenditure, and free cash flow all increased compared to the same quarter one year earlier, while free cash flow margin improved. Compared to the immediately preceding quarter, revenue rose, but operating cash flow, free cash flow, and margin were lower, with capital expenditure higher.

  • Revenue grew relative to both the prior quarter and the year-ago quarter, while operating cash flow and free cash flow were lower than the prior quarter but higher than the year-ago quarter. Free cash flow margin weakened from the prior quarter but improved from the year-ago quarter.
  • Compared to the immediately preceding quarter, operating cash flow decreased and capital expenditure increased substantially, resulting in a lower free cash flow and margin. Versus the same quarter one year earlier, all metrics were higher and margin improved.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$7.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

$2.2B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$2.3B

Cash generated by operations before capital spending.

CapEx

$90.4M

Capital spending and related asset purchases.

FCF margin

14.6%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2022-09-30$12.8B$2.0B$108.3M$1.9B15.0%
2022-12-31$13.5B$929.8M$47.0M$882.8M6.6%
2023-03-31$14.3B$2.4B$43.2M$2.4B16.8%
2023-06-30$15.4B$2.3B$90.4M$2.2B14.6%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income650.4%Shows whether accounting earnings convert into cash.
CapEx / revenue0.6%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Revenue Growth

Revenue was higher than both the immediately preceding quarter and the same quarter one year earlier, providing a stronger base for cash generation. Operating cash flow and free cash flow were each above the year-ago level, though they did not keep pace with the preceding quarter's performance.

The revenue increase was the strongest observable driver supporting higher free cash flow relative to the year-ago quarter.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue grew relative to both the prior quarter and the year-ago quarter, while operating cash flow and free cash flow were lower than the prior quarter but higher than the year-ago quarter. Free cash flow margin weakened from the prior quarter but improved from the year-ago quarter.

Compared to the immediately preceding quarter, operating cash flow decreased and capital expenditure increased substantially, resulting in a lower free cash flow and margin. Versus the same quarter one year earlier, all metrics were higher and margin improved.

The higher capital expenditure relative to both the prior quarter and the year-ago quarter is a concrete item to monitor for its impact on free cash flow.

PGR Free Cash Flow — Quarter Ended Jun 30, 2023