Markel Corporation (MKL)vsProgressive Corp (PGR)
MKL
Markel Corporation
$1,818.67
+2.27%
FINANCIAL SERVICES · Cap: $23.10B
PGR
Progressive Corp
$193.46
+0.22%
FINANCIAL SERVICES · Cap: $118.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 458% more annual revenue ($89.42B vs $16.01B). PGR leads profitability with a 12.9% profit margin vs 11.1%. MKL appears more attractively valued with a PEG of 2.35. PGR earns a higher WallStSmart Score of 61/100 (C+).
MKL
Buy57
out of 100
Grade: C
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 95.4% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Attractively priced relative to earnings
Every $100 of equity generates 36 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Revenue declined 16.9%
Negative free cash flow — burning cash
Operating margin of -9.7%
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MKL
The strongest argument for MKL centers on Price/Book, EPS Growth, Debt/Equity.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : MKL
The primary concerns for MKL are PEG Ratio, Revenue Growth, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MKL profiles as a declining stock while PGR is a value play — different risk/reward profiles.
MKL carries more volatility with a beta of 0.67 — 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.
Bottom Line
PGR scores higher overall (61/100 vs 57/100). 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.
Markel Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.
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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