PG
PGR
Dec 31, 2025
Quarter ended Dec 31, 2025 · FY2025 Q4

The Progressive Corporation stock research

The Progressive (PGR) Free Cash Flow — Quarter Ended Dec 31, 2025

Revenue grew sequentially and year-over-year, but operating cash flow weakened from the prior quarter, leading to a lower free cash flow margin. Despite the sequential decline, free cash flow remained above the year-ago level.

Free cash flow takeaway

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

Revenue grew sequentially and year-over-year, but operating cash flow weakened from the prior quarter, leading to a lower free cash flow margin. Despite the sequential decline, free cash flow remained above the year-ago level.

  • The free cash flow margin contracted sequentially as operating cash flow did not keep pace with revenue growth. Capital expenditure increased, but the primary change was the lower conversion of revenue into operating cash flow.
  • Compared to the previous quarter, free cash flow and margin were lower, while revenue was higher. Versus the same quarter one year earlier, revenue and free cash flow were higher, but the margin was slightly lower.

FCF snapshot

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

TTM free cash flow

$17.2B

Trailing twelve-month free cash flow.

Quarter free cash flow

$3.0B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$3.2B

Cash generated by operations before capital spending.

CapEx

$121.0M

Capital spending and related asset purchases.

FCF margin

13.4%

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
2025-03-31$20.4B$5.1B$59.0M$5.1B24.9%
2025-06-30$22.0B$4.0B$102.0M$3.9B17.9%
2025-09-30$22.5B$5.2B$66.0M$5.1B22.8%
2025-12-31$22.7B$3.2B$121.0M$3.0B13.4%

Cash conversion quality

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

FCF / net income103.3%Shows whether accounting earnings convert into cash.
CapEx / revenue0.5%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.

Watch

Operating Cash Flow Conversion

Operating cash flow decreased from the prior quarter while revenue increased, compressing the free cash flow margin.

If operating cash flow continues to lag revenue growth, free cash flow margin may remain under pressure.

What the cash flow says

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

The free cash flow margin contracted sequentially as operating cash flow did not keep pace with revenue growth. Capital expenditure increased, but the primary change was the lower conversion of revenue into operating cash flow.

Compared to the previous quarter, free cash flow and margin were lower, while revenue was higher. Versus the same quarter one year earlier, revenue and free cash flow were higher, but the margin was slightly lower.

Monitor the trend in operating cash flow given its sequential decline relative to revenue.

PGR Free Cash Flow — Quarter Ended Dec 31, 2025