CFNB vs. PGR
CFNB (California First Leasing Corporation) and PGR (The Progressive Corporation) are both stocks. Both are in the Financial Services sector — CFNB in Credit Services, PGR in Insurance - Property & Casualty. Over the past 10 years, CFNB returned 7.28%/yr vs 23.97%/yr for PGR. Their 0.13 correlation means their historical movements had little consistent relationship.
Performance
CFNB vs. PGR - Performance Comparison
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Returns By Period
In the year-to-date period, CFNB achieves a 3.23% return, which is significantly higher than PGR's -1.17% return. Over the past 10 years, CFNB has underperformed PGR with an annualized return of 7.28%, while PGR has yielded a comparatively higher 23.97% annualized return.
CFNB
- 1D
- 4,141.53%
- 1M
- -15.17%
- 6M
- 3.67%
- YTD
- 3.23%
- 1Y
- 51.74%
- 3Y*
- 20.42%
- 5Y*
- 9.28%
- 10Y*
- 7.28%
- ALL TIME*
- 3.23%
PGR
- 1D
- -0.87%
- 1M
- -8.96%
- 6M
- 1.74%
- YTD
- -1.17%
- 1Y
- -6.61%
- 3Y*
- 21.99%
- 5Y*
- 19.95%
- 10Y*
- 23.97%
- ALL TIME*
- 16.83%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $190.18 | $171.16 | $176.53K | |
| $553.97M | $662.84M | $690.26M |
CFNB vs. PGR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFNB California First Leasing Corporation | 3.23% | 18.72% | 40.36% | 3.72% | -10.28% | 18.89% | -8.95% | 17.74% | -6.11% | -3.58% |
PGR The Progressive Corporation | -1.17% | -3.02% | 51.39% | 23.16% | 26.81% | 10.84% | 41.48% | 25.14% | 9.39% | 61.59% |
Correlation
The correlation between CFNB and PGR is 0.04, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.04 |
Correlation (3Y) Balances recent behavior with more history. | 0.00 |
Correlation (5Y) Shows whether the relationship held over a longer period. | -0.01 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.00 |
Correlation (All Time) Calculated using the full available price history since Aug 29, 2006 | 0.13 |
The correlation between CFNB and PGR shifts across timeframes, from -0.01 (5 years) to 0.13 (all time), reflecting how their relationship changes across market environments.
Fundamentals
CFNB:
$258.61M
PGR:
$122.92B
CFNB:
$377.58
PGR:
$19.67
CFNB:
3.81
PGR:
10.75
CFNB:
0.04
PGR:
0.08
CFNB:
2.65
PGR:
1.39
CFNB:
$97.71M
PGR:
$89.43B
CFNB:
$94.08M
PGR:
$25.44B
CFNB:
$95.07M
PGR:
$15.15B
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Return for Risk
CFNB vs. PGR — Risk / Return Rank
CFNB
PGR
CFNB vs. PGR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for California First Leasing Corporation (CFNB) and The Progressive Corporation (PGR). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFNB | PGR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.29 | ||
| Sortino ratioReturn per unit of downside risk | +42.88 | ||
| Omega ratioGain probability vs. loss probability | 28.56 | 0.97 | +27.59 |
| Calmar ratioReturn relative to maximum drawdown | 0.56 | -0.35 | +0.91 |
| Martin ratioReturn relative to average drawdown | 2.97 | -0.59 | +3.56 |
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Drawdowns
CFNB vs. PGR - Drawdown Comparison
The maximum CFNB drawdown since its inception was -98.00%, which is greater than PGR's maximum drawdown of -71.06%. Use the drawdown chart below to compare losses from any high point for CFNB and PGR.
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Drawdown Indicators
| CFNB | PGR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.00% | -71.06% | -26.94% |
Max Drawdown (1Y)Largest decline over 1 year | -98.00% | -19.79% | -78.21% |
Max Drawdown (3Y)Largest decline over 3 years | -98.00% | -30.35% | -67.65% |
Max Drawdown (5Y)Largest decline over 5 years | -98.00% | -30.35% | -67.65% |
Max Drawdown (10Y)Largest decline over 10 years | -98.00% | -30.35% | -67.65% |
Current DrawdownCurrent decline from peak | -15.17% | -22.63% | +7.46% |
Average DrawdownAverage peak-to-trough decline | -16.69% | -14.55% | -2.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 18.06% | 11.87% | +6.19% |
Volatility
CFNB vs. PGR - Volatility Comparison
California First Leasing Corporation (CFNB) has a higher volatility of 555.10% compared to The Progressive Corporation (PGR) at 13.17%. This indicates that CFNB's price experiences larger fluctuations and is considered to be riskier than PGR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFNB | PGR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 555.10% | 13.17% | +541.93% |
Volatility (6M)Calculated over the trailing 6-month period | 544.06% | 20.69% | +523.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 4,236.42% | 25.68% | +4,210.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 1,864.63% | 25.26% | +1,839.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 1,314.88% | 24.85% | +1,290.03% |
Dividends
CFNB vs. PGR - Dividend Comparison
CFNB has not paid dividends to shareholders, while PGR's dividend yield for the trailing twelve months is around 6.57%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFNB California First Leasing Corporation | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.06% | 0.07% | 0.06% | 0.07% | 0.06% | 0.06% | 0.07% |
PGR The Progressive Corporation | 6.57% | 2.15% | 0.48% | 0.25% | 0.31% | 6.23% | 2.68% | 3.89% | 1.86% | 1.21% | 2.50% | 2.16% |
Financials
CFNB vs. PGR - Financials Comparison
This section allows you to compare key financial metrics between California First Leasing Corporation and The Progressive Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CFNB vs. PGR - Profitability Comparison
CFNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, California First Leasing Corporation reported a gross profit of 67.97M and revenue of 67.97M. Therefore, the gross margin over that period was 100.0%.
PGR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, The Progressive Corporation reported a gross profit of 8.35B and revenue of 22.18B. Therefore, the gross margin over that period was 37.7%.
CFNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, California First Leasing Corporation reported an operating income of 67.05M and revenue of 67.97M, resulting in an operating margin of 98.7%.
PGR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, The Progressive Corporation reported an operating income of 3.57B and revenue of 22.18B, resulting in an operating margin of 16.1%.
CFNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, California First Leasing Corporation reported a net income of 11.99M and revenue of 67.97M, resulting in a net margin of 17.6%.
PGR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, The Progressive Corporation reported a net income of 2.82B and revenue of 22.18B, resulting in a net margin of 12.7%.
Frequently Asked Questions
CFNB and PGR have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFNB has higher volatility (555.10%) compared to PGR (13.17%). In terms of maximum drawdown, CFNB dropped -98.00% vs PGR's -71.06%.
CFNB currently has the higher Sharpe Ratio (0.01 vs -0.27), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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