Aspen Insurance Holdings Limited (AHL)vsProgressive Corp (PGR)
AHL
Aspen Insurance Holdings Limited
$37.50
0.00%
FINANCIAL SERVICES · Cap: $2.81B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 2643% more annual revenue ($87.64B vs $3.19B). PGR leads profitability with a 12.9% profit margin vs 12.9%. AHL trades at a lower P/E of 4.9x. PGR earns a higher WallStSmart Score of 67/100 (B-).
AHL
Hold50
out of 100
Grade: D+
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.5%
Fair Value
$42.70
Current Price
$37.50
$5.20 discount
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Areas to Watch
Distress zone — elevated risk
Earnings declined 79.7%
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AHL
The strongest argument for AHL centers on P/E Ratio, Price/Book, Debt/Equity.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : AHL
The primary concerns for AHL are Altman Z-Score, EPS Growth, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
PGR is growing revenue faster at 12.2% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (67/100 vs 50/100) and 12.2% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aspen Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Aspen Insurance Holdings Limited, participates in insurance and reinsurance businesses in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
Visit Website →Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?