Progressive Corp (PGR)vsPalomar Holdings Inc (PLMR)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
PLMR
Palomar Holdings Inc
$121.84
-0.13%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 9905% more annual revenue ($87.64B vs $875.97M). PLMR leads profitability with a 22.5% profit margin vs 12.9%. PGR trades at a lower P/E of 10.7x. PLMR earns a higher WallStSmart Score of 72/100 (B).
PGR
Strong Buy67
out of 100
Grade: B-
PLMR
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Margin of Safety
+60.8%
Fair Value
$336.02
Current Price
$121.84
$214.18 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Revenue surging 62.7% year-over-year
Earnings expanding 59.9% YoY
Every $100 of equity generates 24 in profit
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with margins at 22.5% and operating margin at 28.7%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : PLMR
The primary concerns for PLMR are Piotroski F-Score.
Key Dynamics to Monitor
PGR profiles as a value stock while PLMR is a growth play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.53 — expect wider price swings.
PLMR is growing revenue faster at 62.7% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (72/100 vs 67/100), backed by strong 22.5% margins and 62.7% 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.
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 →Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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