HCI Group Inc (HCI)vsProgressive Corp (PGR)
HCI
HCI Group Inc
$174.94
-1.10%
FINANCIAL SERVICES · Cap: $2.24B
PGR
Progressive Corp
$205.50
+1.65%
FINANCIAL SERVICES · Cap: $117.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 9460% more annual revenue ($91.02B vs $952.13M). HCI leads profitability with a 32.6% profit margin vs 12.9%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 78/100 (B+).
HCI
Strong Buy78
out of 100
Grade: B+
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Growing faster than its price suggests
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
Grey zone — moderate risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 45.4%. Revenue growth of 11.1% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HCI profiles as a mature stock while PGR is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.02 — expect wider price swings.
HCI is growing revenue faster at 11.1% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
HCI scores higher overall (78/100 vs 61/100), backed by strong 32.6% margins and 11.1% 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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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