Hagerty Inc (HGTY)vsProgressive Corp (PGR)
HGTY
Hagerty Inc
$10.84
+2.85%
FINANCIAL SERVICES · Cap: $3.72B
PGR
Progressive Corp
$193.46
+2.23%
FINANCIAL SERVICES · Cap: $118.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 6110% more annual revenue ($89.42B vs $1.44B). PGR leads profitability with a 12.9% profit margin vs 2.0%. HGTY appears more attractively valued with a PEG of 0.23. PGR earns a higher WallStSmart Score of 61/100 (C+).
HGTY
Buy56
out of 100
Grade: C
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
2.0% margin — thin
Premium valuation, high expectations priced in
Revenue declined 5.0%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth. 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.
Bear Case : HGTY
The primary concerns for HGTY are Profit Margin, P/E Ratio, Revenue Growth. A P/E of 45.2x leaves little room for execution misses. Thin 2.0% margins leave little buffer for downturns.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HGTY carries more volatility with a beta of 0.82 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (61/100 vs 56/100). 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider uniquely focused on the automotive enthusiast market, offering comprehensive coverage for vintage cars, motorcycles, and collectible vehicles. Utilizing a subscription-based business model, the company fosters a vibrant community through exclusive events and digital engagement, enhancing customer loyalty and brand resonance. With its deep expertise in the collector car sector, Hagerty has expanded its portfolio to encompass valuation tools and investment resources, further solidifying its competitive advantage. As interest in classic car ownership continues to grow, Hagerty's innovative strategies and commitment to excellence position it well for sustained growth within the evolving automotive collectibles market.
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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