WallStSmart

American Integrity Insurance Group, Inc. (AII)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 30156% more annual revenue ($89.42B vs $295.53M). AII leads profitability with a 27.6% profit margin vs 12.9%. AII trades at a lower P/E of 3.4x. AII earns a higher WallStSmart Score of 70/100 (B).

AII

Strong Buy

70

out of 100

Grade: B

Growth: 6.0Profit: 8.5Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 1.27

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 3/9Altman Z: 1.33

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AII6 strengths · Avg: 9.7/10
P/E RatioValuation
3.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Return on EquityProfitability
24.3%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

PGR5 strengths · Avg: 9.2/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.1%10/10

Every $100 of equity generates 36 in profit

Market CapQuality
$114.84B9/10

Large-cap with strong market position

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

Areas to Watch

AII3 concerns · Avg: 2.3/10
Market CapQuality
$325.21M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-63.4%2/10

Earnings declined 63.4%

Altman Z-ScoreHealth
1.272/10

Distress zone — elevated risk

PGR3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
29.572/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AII

The strongest argument for AII centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 30.0%. Revenue growth of 26.5% demonstrates continued momentum.

Bull Case : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.

Bear Case : AII

The primary concerns for AII are Market Cap, EPS Growth, Altman Z-Score.

Bear Case : PGR

The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

AII profiles as a growth stock while PGR is a value play — different risk/reward profiles.

AII is growing revenue faster at 26.5% — sustainability is the question.

PGR generates stronger free cash flow (4.3B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AII scores higher overall (70/100 vs 61/100), backed by strong 27.6% margins and 26.5% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

American Integrity Insurance Group, Inc.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

American Integrity Insurance Group, Inc. (AII) stands out as a premier provider in the homeowners' and property insurance sector, with a strategic emphasis on the Florida market. Renowned for its innovative and customer-centric approach, AII leverages advanced technology and data analytics to refine claims processing and underwriting, significantly boosting customer satisfaction. With a solid financial foundation and a nimble response to market dynamics, AII is poised to capitalize on the rising demand for reliable insurance solutions, ensuring a trajectory of sustained growth and an expanding footprint in the competitive insurance landscape.

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.

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