Progressive Corp (PGR)vsRLI Corp (RLI)
PGR
Progressive Corp
$233.18
-2.32%
FINANCIAL SERVICES · Cap: $134.03B
RLI
RLI Corp
$68.35
-1.97%
FINANCIAL SERVICES · Cap: $5.93B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 4622% more annual revenue ($91.70B vs $1.94B). RLI leads profitability with a 20.3% profit margin vs 12.7%. RLI appears more attractively valued with a PEG of 1.73. RLI earns a higher WallStSmart Score of 58/100 (C).
PGR
Buy53
out of 100
Grade: C-
RLI
Buy58
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
Every $100 of equity generates 22 in profit
Keeps 20 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 22.5%
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 6.3%
Earnings declined 34.8%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.3% and operating margin at 22.5%.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PGR profiles as a value stock while RLI is a declining play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.32 — 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.
Bottom Line
RLI scores higher overall (58/100 vs 53/100), backed by strong 20.3% margins. 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 →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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