PGR vs. COST
PGR (The Progressive Corporation) and COST (Costco Wholesale Corporation) are both stocks. PGR operates in Insurance - Property & Casualty (Financial Services), while COST operates in Discount Stores (Consumer Defensive). Over the past 10 years, PGR returned 24.49%/yr vs 21.51%/yr for COST. At a 0.30 correlation, their price movements are largely independent.
Performance
PGR vs. COST - Performance Comparison
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Returns By Period
In the year-to-date period, PGR achieves a 5.28% return, which is significantly lower than COST's 7.53% return. Over the past 10 years, PGR has outperformed COST with an annualized return of 24.49%, while COST has yielded a comparatively lower 21.51% annualized return.
PGR
- 1D
- 3.14%
- 1M
- 16.94%
- YTD
- 5.28%
- 6M
- 5.28%
- 1Y
- -9.22%
- 3Y*
- 23.04%
- 5Y*
- 20.55%
- 10Y*
- 24.49%
COST
- 1D
- -1.15%
- 1M
- -2.27%
- YTD
- 7.53%
- 6M
- 7.53%
- 1Y
- -5.69%
- 3Y*
- 21.37%
- 5Y*
- 19.59%
- 10Y*
- 21.51%
PGR vs. COST - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PGR The Progressive Corporation | 5.28% | -3.02% | 51.39% | 23.16% | 26.81% | 10.84% | 41.48% | 25.14% | 9.39% | 61.59% |
COST Costco Wholesale Corporation | 7.53% | -5.39% | 39.62% | 49.00% | -19.05% | 51.82% | 32.67% | 45.70% | 10.60% | 22.37% |
Correlation
The correlation between PGR and COST is 0.22, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.22 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.26 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.28 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.29 |
Correlation (All Time) Calculated using the full available price history since Sep 22, 1993 | 0.30 |
Fundamentals
PGR:
$19.67
COST:
$26.51
PGR:
11.46
COST:
34.89
PGR:
0.09
COST:
2.73
PGR:
1.48
COST:
1.05
PGR:
$89.43B
COST:
$293.59B
PGR:
$25.44B
COST:
$11.12B
PGR:
$15.15B
COST:
$12.48B
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Return for Risk
PGR vs. COST — Risk / Return Rank
PGR
COST
PGR vs. COST - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The Progressive Corporation (PGR) and Costco Wholesale Corporation (COST). 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.
| PGR | COST | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.09 | ||
| Sortino ratioReturn per unit of downside risk | -0.11 | ||
| Omega ratioGain probability vs. loss probability | 0.95 | 0.97 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | -0.41 | -0.37 | -0.04 |
| Martin ratioReturn relative to average drawdown | -0.64 | -0.84 | +0.20 |
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Drawdowns
PGR vs. COST - Drawdown Comparison
The maximum PGR drawdown since its inception was -71.06%, which is greater than COST's maximum drawdown of -53.39%. Use the drawdown chart below to compare losses from any high point for PGR and COST.
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Drawdown Indicators
| PGR | COST | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -71.06% | -53.39% | -17.67% |
Max Drawdown (1Y)Largest decline over 1 year | -22.54% | -15.50% | -7.04% |
Max Drawdown (3Y)Largest decline over 3 years | -30.35% | -20.74% | -9.61% |
Max Drawdown (5Y)Largest decline over 5 years | -30.35% | -31.40% | +1.05% |
Max Drawdown (10Y)Largest decline over 10 years | -30.35% | -31.40% | +1.05% |
Current DrawdownCurrent decline from peak | -17.58% | -15.50% | -2.08% |
Average DrawdownAverage peak-to-trough decline | -14.54% | -13.36% | -1.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 15.09% | 6.77% | +8.32% |
Volatility
PGR vs. COST - Volatility Comparison
The Progressive Corporation (PGR) has a higher volatility of 9.25% compared to Costco Wholesale Corporation (COST) at 4.86%. This indicates that PGR's price experiences larger fluctuations and is considered to be riskier than COST based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PGR | COST | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.25% | 4.86% | +4.39% |
Volatility (6M)Calculated over the trailing 6-month period | 17.76% | 14.62% | +3.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.42% | 18.91% | +4.51% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 24.75% | 22.77% | +1.98% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 24.55% | 21.98% | +2.57% |
Dividends
PGR vs. COST - Dividend Comparison
PGR's dividend yield for the trailing twelve months is around 6.17%, more than COST's 0.58% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
COST Costco Wholesale Corporation | 0.58% | 0.59% | 0.49% | 2.87% | 0.76% | 0.54% | 3.38% | 0.86% | 1.08% | 4.81% | 1.09% | 4.06% |
PGR The Progressive Corporation | 6.17% | 2.15% | 0.48% | 0.25% | 0.31% | 6.23% | 2.68% | 3.89% | 1.86% | 1.21% | 2.50% | 2.16% |
Financials
PGR vs. COST - Financials Comparison
This section allows you to compare key financial metrics between The Progressive Corporation and Costco Wholesale 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
PGR vs. COST - Profitability Comparison
PGR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 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%.
COST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Costco Wholesale Corporation reported a gross profit of -17.68B and revenue of 70.53B. Therefore, the gross margin over that period was -25.1%.
PGR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, The Progressive Corporation reported an operating income of 3.57B and revenue of 22.18B, resulting in an operating margin of 16.1%.
COST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Costco Wholesale Corporation reported an operating income of 2.82B and revenue of 70.53B, resulting in an operating margin of 4.0%.
PGR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, The Progressive Corporation reported a net income of 2.82B and revenue of 22.18B, resulting in a net margin of 12.7%.
COST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Costco Wholesale Corporation reported a net income of 2.19B and revenue of 70.53B, resulting in a net margin of 3.1%.
Frequently Asked Questions
PGR and COST have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PGR has higher volatility (9.25%) compared to COST (4.86%). In terms of maximum drawdown, PGR dropped -71.06% vs COST's -53.39%.
COST currently has the higher Sharpe Ratio (-0.30 vs -0.40), 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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