Ategrity Specialty Insurance Company Holdings (ASIC)vsProgressive Corp (PGR)
ASIC
Ategrity Specialty Insurance Company Holdings
$27.47
+0.59%
FINANCIAL SERVICES · Cap: $1.32B
PGR
Progressive Corp
$217.62
+0.66%
FINANCIAL SERVICES · Cap: $126.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 17509% more annual revenue ($91.02B vs $516.88M). ASIC leads profitability with a 20.7% profit margin vs 12.9%. PGR trades at a lower P/E of 10.9x. ASIC earns a higher WallStSmart Score of 70/100 (B-).
ASIC
Strong Buy70
out of 100
Grade: B-
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 31.3%
Revenue surging 45.9% year-over-year
Earnings expanding 71.8% YoY
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Generating 3.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASIC
The strongest argument for ASIC centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 20.7% and operating margin at 31.3%. Revenue growth of 45.9% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : ASIC
The primary concerns for ASIC are Market Cap, Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ASIC profiles as a growth stock while PGR is a value play — different risk/reward profiles.
ASIC is growing revenue faster at 45.9% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ASIC scores higher overall (70/100 vs 61/100), backed by strong 20.7% margins and 45.9% 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.
Ategrity Specialty Insurance Company Holdings
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Ategrity Specialty Insurance Company Holdings, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States.
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
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