Progressive Corp (PGR)vsRLI Corp (RLI)
PGR
Progressive Corp
$212.24
-2.50%
FINANCIAL SERVICES · Cap: $126.46B
RLI
RLI Corp
$58.13
-1.59%
FINANCIAL SERVICES · Cap: $5.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 4510% more annual revenue ($91.02B vs $1.97B). RLI leads profitability with a 22.2% profit margin vs 12.9%. RLI appears more attractively valued with a PEG of 1.73. RLI earns a higher WallStSmart Score of 77/100 (B+).
PGR
Buy61
out of 100
Grade: C+
RLI
Strong Buy77
out of 100
Grade: B+
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
Generating 3.5B in free cash flow
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PGR profiles as a value stock while RLI is a growth play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.33 — expect wider price swings.
RLI is growing revenue faster at 15.2% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
RLI scores higher overall (77/100 vs 61/100), backed by strong 22.2% margins and 15.2% 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.
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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