Hippo Holdings Inc (HIPO)vsProgressive Corp (PGR)
HIPO
Hippo Holdings Inc
$32.43
-0.58%
FINANCIAL SERVICES · Cap: $860.82M
PGR
Progressive Corp
$215.33
-0.64%
FINANCIAL SERVICES · Cap: $122.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 17849% more annual revenue ($91.02B vs $507.10M). HIPO leads profitability with a 23.9% profit margin vs 12.9%. HIPO trades at a lower P/E of 6.9x. HIPO earns a higher WallStSmart Score of 68/100 (B-).
HIPO
Strong Buy68
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
Earnings expanding 660.0% YoY
Every $100 of equity generates 25 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Generating 4.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HIPO
The strongest argument for HIPO centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 23.9% and operating margin at 8.0%. Revenue growth of 23.4% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : HIPO
The primary concerns for HIPO are Market Cap, Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HIPO profiles as a growth stock while PGR is a value play — different risk/reward profiles.
HIPO carries more volatility with a beta of 1.55 — expect wider price swings.
HIPO is growing revenue faster at 23.4% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
HIPO scores higher overall (68/100 vs 61/100), backed by strong 23.9% margins and 23.4% 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.
Hippo Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hippo Holdings Inc. (HIPO) is an innovative insurtech company transforming the home insurance landscape through advanced technology and a strong customer-centric model. Utilizing artificial intelligence and data analytics, Hippo enhances underwriting processes and tailors insurance offerings to meet the distinct needs of homeowners. The company prioritizes expedited claims processing and broad coverage options, positioning itself to gain a competitive edge in a market that increasingly values transparency and efficiency. As the home insurance industry continues to evolve, Hippo's commitment to modernizing traditional practices underscores its potential for substantial growth and market leadership.
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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