Fresenius Medical Care Corporation (FMS)vsProgressive Corp (PGR)
FMS
Fresenius Medical Care Corporation
$22.26
+1.04%
HEALTHCARE · Cap: $12.47B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 346% more annual revenue ($87.64B vs $19.63B). PGR leads profitability with a 12.9% profit margin vs 5.0%. FMS appears more attractively valued with a PEG of 0.73. PGR earns a higher WallStSmart Score of 67/100 (B-).
FMS
Buy62
out of 100
Grade: C+
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.4%
Fair Value
$90.32
Current Price
$22.26
$68.06 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
Growing faster than its price suggests
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
4.2% earnings growth
Grey zone — moderate risk
ROE of 7.9% — below average capital efficiency
5.0% margin — thin
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : FMS
The strongest argument for FMS centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.73 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. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : FMS
The primary concerns for FMS are EPS Growth, Altman Z-Score, Return on Equity. Thin 5.0% margins leave little buffer for downturns.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
FMS carries more volatility with a beta of 0.94 — expect wider price swings.
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 MEDICAL CARE FACILITIES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (67/100 vs 62/100) and 12.2% revenue growth. FMS offers better value entry with a 73.4% margin of safety. 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.
Fresenius Medical Care Corporation
HEALTHCARE · MEDICAL CARE FACILITIES · USA
Fresenius Medical Care AG & Co. KGaA provides dialysis care and related dialysis care services in Germany, North America and internationally. The company is headquartered in Bad Homburg, Germany.
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 MEDICAL CARE FACILITIES Stocks
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