Hagerty Inc (HGTY)vsProgressive Corp (PGR)
HGTY
Hagerty Inc
$10.66
+0.95%
FINANCIAL SERVICES · Cap: $3.59B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5917% more annual revenue ($87.64B vs $1.46B). PGR leads profitability with a 12.9% profit margin vs 2.9%. HGTY appears more attractively valued with a PEG of 0.23. HGTY earns a higher WallStSmart Score of 68/100 (B-).
HGTY
Strong Buy68
out of 100
Grade: B-
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+31.6%
Fair Value
$17.32
Current Price
$10.66
$6.66 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
Growing faster than its price suggests
Every $100 of equity generates 21 in profit
16.5% revenue growth
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
Moderate valuation
4.1% earnings growth
2.9% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, Return on Equity, Revenue Growth. Revenue growth of 16.5% demonstrates continued momentum. PEG of 0.23 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 : HGTY
The primary concerns for HGTY are P/E Ratio, EPS Growth, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
HGTY profiles as a growth stock while PGR is a value play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.90 — expect wider price swings.
HGTY is growing revenue faster at 16.5% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
HGTY scores higher overall (68/100 vs 67/100) and 16.5% revenue growth. PGR offers better value entry with a 76.9% margin of safety. Both earn "Strong Buy" and "Strong 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider focused on the automotive enthusiast segment, offering comprehensive coverage tailored for vintage cars, motorcycles, and collectible vehicles. The company's unique subscription-based model not only delivers robust insurance solutions but also cultivates a vibrant community for car enthusiasts through events and digital platforms. Leveraging its deep expertise in the collector car market, Hagerty has diversified its offerings to include valuation tools and investment opportunities, further enhancing its value proposition. As interest in classic car ownership continues to rise, Hagerty's innovative strategies and strong brand loyalty position it for sustained growth in the lucrative automotive collectibles niche.
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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