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STOCK COMPARISON

Progressive vs Unipol Gruppo S.p.A.: Fair Value & Quality

Both stocks run through our valuation models. Here is how Progressive (PGR) and Unipol Gruppo S.p.A. (UNI) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Progressive trades at $203 versus a fair value of $160 (-21%), while Unipol Gruppo S.p.A. trades at €26.97 versus €16.29 (-40%).
Progressive
PGR · USD · Financials
-21%
upside to fair value
overvalued
Price$203
Fair Value$160
Quality65/100
Unipol Gruppo S.p.A.
UNI.MI · EUR · Financials
-40%
upside to fair value
overvalued
Price€26.97
Fair Value€16.29
Quality50/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

ProgressiveUnipol Gruppo S.p.A.
Valuation
10.3×P/E (TTM)13.3×
1.50×P/S (TTM)2.01×
4.43×P/B2.11×
9.3×EV/EBITDA8.7×
35.19×PEG0.08×
−21.1%Fair value upside−39.6%
0.2%Dividend yield4.2%
$0.40Dividend per share€1.12
Profitability
16%Operating margin13%
0.96×EBIT margin trend (5Y)n/a
38%Return on equity15%
8%Return on assets2%
Growth
9%Revenue growth (YoY)-2%
20.9%Avg. growth/yr (3Y)0.4%
15.5%Avg. growth/yr (5Y)0.4%
+33.4%Value creation/yr+23.9%
Balance & size
51.2×Interest coverage (EBIT/interest)n/a
0.23×Debt / equity0.48×
$134BMarket cap$22B
mixedGrowth qualityweak

Progressive leads: 10 to 4 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Progressiveof which business quality 64 · market factors 48 Unipol Gruppo S.p.A.of which business quality 48 · market factors 86
ProfitabilityMargins and returns on capital today
61
32
Quality GrowthAre margins and returns improving?
64
28
CashflowEarnings quality: real cash, not paper profit
81
97
Fin. StrengthBalance sheet, leverage, solvency risk
54
4
InvestmentDisciplined investing over empire-building
37
53
Low VolatilityCalm price path (market factor)
87
83
MomentumPrice trend over the last 3–12 months (market factor)
36
86
52W MomentumDistance to the 52-week high (market factor)
26
90
Net IssuanceShare count: buybacks or dilution?
81
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyProgressivePrice $203Unipol Gruppo S.p.A.Price €26.97
Dividend Discountn/a-38%below the price€16.67
Multiples-20%below the price$163-13%close to the price€23.57
Asset-Based-83%below the price$34.90-64%below the price€9.71
Economic Profit+4%close to the price$211-35%below the price€17.50
Minimum-83%below the price$34.90-64%below the price€9.71
Maximum+4%close to the price$211-13%close to the price€23.57
Median-20%below the price$163-37%below the price€17.09
Geometric mean-48%below the price$106-40%below the price€16.07

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Progressive: 2 of 4 models see the stock below the current price.

Unipol Gruppo S.p.A.: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Progressive
Price $203
Fair Value $160
Bear $120Bull $200
Unipol Gruppo S.p.A.
Price €26.97
Fair Value €16.29
Bear €13.70Bull €26.25

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Progressive · Financials

Quality score65 · Top 25%
Fair value upside-21% · below median

Unipol Gruppo S.p.A. · Financials

Quality score50 · below median
Fair value upside-40% · bottom 25%

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Progressive trades at $203 versus a fair value of $160 (-21%), while Unipol Gruppo S.p.A. trades at €26.97 versus €16.29 (-40%).

Progressive has the higher quality score (65/100).

Open Progressive live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.