Is PGR or TIPT more undervalued in 2026?

CirclFi compares Progressive Corporation (The) (PGR) and Tiptree Inc. (TIPT) using 13 institutional-grade valuation models. PGR has a Quality of Company score of 9.6/10 while TIPT scores 8.8/10.

Which is a better buy — PGR or TIPT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PGR and TIPT valuations compare?

PGR at $194.51 and TIPT at $17.47 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PGR vs TIPT Valuation Comparison 2026 — Intrinsic Value Analysis

PGR

Fire, Marine & Casualty Insurance

Progressive Corporation (The)

Quality

9.6

out of 10

Value Trap

SAFE

Price

$194.51

Last close

Models

11/13

Active

TIPT

Fire, Marine & Casualty Insurance

Tiptree Inc.

Quality

8.8

out of 10

Value Trap

LOW

Price

$17.47

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	PGR Fair Value	PGR Upside	TIPT Fair Value	TIPT Upside
Bayesian DCF	Intrinsic	$192.41	-1.1%	—	—
Earnings Power Value	Intrinsic	$171.53	-11.8%	$0.62	-96.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$240.70	+23.7%	$9.09	-47.9%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PGR vs TIPT — Which Stock Is More Undervalued?

PGR scores higher with a 9.6/10 quality rating vs TIPT's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Progressive Corporation (The) (PGR) and Tiptree Inc. (TIPT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PGR currently trades at $194.51 with a QOC of 9.6/10, while TIPT trades at $17.47 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).