WallStSmart

Centene Corp (CNC)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 99% more annual revenue ($178.33B vs $89.42B). PGR leads profitability with a 12.9% profit margin vs -3.6%. CNC appears more attractively valued with a PEG of 1.02. PGR earns a higher WallStSmart Score of 61/100 (C+).

CNC

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 3.5Value: 5.3Quality: 5.8
Piotroski: 4/9Altman Z: 2.71

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNC2 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.40B8/10

Generating 3.4B in free cash flow

PGR4 strengths · Avg: 9.3/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
37.9%10/10

Every $100 of equity generates 38 in profit

Market CapQuality
$116.44B9/10

Large-cap with strong market position

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

Areas to Watch

CNC2 concerns · Avg: 1.5/10
Return on EquityProfitability
-26.0%2/10

ROE of -26.0% — below average capital efficiency

Profit MarginProfitability
-3.6%1/10

Currently unprofitable

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
30.592/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bull Case : PGR

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

Bear Case : CNC

The primary concerns for CNC are Return on Equity, Profit Margin.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Key Dynamics to Monitor

CNC profiles as a turnaround stock while PGR is a value play — different risk/reward profiles.

CNC carries more volatility with a beta of 0.59 — expect wider price swings.

PGR is growing revenue faster at 8.7% — sustainability is the question.

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

Bottom Line

PGR scores higher overall (61/100 vs 57/100). Both earn "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.

Centene Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.

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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