Progressive (PGR) Stock Concentration Calculator
Calculator · free · no signup · PGRQuantify Progressive concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Progressive
Progressive (PGR) is a public Fintech company, incorporated in Ohio and headquartered in Mayfield Village, OH.
Equity grants at Progressive typically include restricted stock units (RSUs).
The Progressive Corporation is an American insurance company headquartered in Mayfield, Ohio. It was co-founded in 1937 by Jack Green and Joseph M. Lewis. The company insures passenger vehicles, motorcycles, recreational vehicles (RVs), trailers, boats, personal water craft (PWC), and commercial vehicles. Progressive also provides home, life, pet, and other types of insurance through select companies.
Source: Wikipedia (CC BY-SA 4.0)
Joseph Lewis and Jack Green founded the company in 1937 and built it by insuring drivers other carriers rejected, then by publishing competitors' rates alongside its own, an unusual transparency bet. Snapshot telematics extended the underwriting edge by pricing on observed driving behavior. Direct sales through advertising, personified by the Flo character, run alongside independent agents. Auto insurance profitability swings with claim severity, which inflation in vehicle repair costs and used car prices pushed sharply after 2021. Headquarters are in Mayfield Village, Ohio.
Sources: progressive.com · en.wikipedia.org
Equity comp at Progressive
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Progressive.
If a meaningful share of your net worth sits in PGR, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with PGR's option-implied volatility.
All Progressive tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Progressive equity questions
- How much PGR stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your PGR position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Progressive grant ISOs, NSOs, or RSUs?
- Equity compensation at Progressive typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Progressive RSUs use double-trigger vesting?
- No. Progressive restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Progressive equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.