Progressive Corp (PGR)vsProAssurance Corporation (PRA)
PGR
Progressive Corp
$233.92
-2.06%
FINANCIAL SERVICES · Cap: $134.03B
PRA
ProAssurance Corporation
$25.00
0.00%
FINANCIAL SERVICES · Cap: $1.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 8271% more annual revenue ($91.70B vs $1.10B). PGR leads profitability with a 12.7% profit margin vs 6.0%. PRA appears more attractively valued with a PEG of 0.78. PRA earns a higher WallStSmart Score of 63/100 (C+).
PGR
Buy53
out of 100
Grade: C-
PRA
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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 3.5B in free cash flow
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.9% — below average capital efficiency
6.0% margin — thin
Revenue declined 4.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
PGR carries more volatility with a beta of 0.23 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRA scores higher overall (63/100 vs 53/100). 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.
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 →ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
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