Progressive Corp (PGR)vsRoot Inc (ROOT)
PGR
Progressive Corp
$206.00
+1.64%
FINANCIAL SERVICES · Cap: $120.70B
ROOT
Root Inc
$45.59
+1.90%
FINANCIAL SERVICES · Cap: $709.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5677% more annual revenue ($87.64B vs $1.52B). PGR leads profitability with a 12.9% profit margin vs 2.5%. PGR trades at a lower P/E of 10.5x. PGR earns a higher WallStSmart Score of 67/100 (B-).
PGR
Strong Buy67
out of 100
Grade: B-
ROOT
Hold46
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.2%
Fair Value
$914.94
Current Price
$206.00
$708.94 discount
Margin of Safety
-265.9%
Fair Value
$16.05
Current Price
$45.59
$29.54 premium
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
Reasonable price relative to book value
Revenue surging 21.5% year-over-year
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
2.5% margin — thin
Operating margin of 2.6%
Earnings declined 76.4%
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 : ROOT
The strongest argument for ROOT centers on Price/Book, Revenue Growth. Revenue growth of 21.5% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Operating Margin. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
PGR profiles as a value stock while ROOT is a growth play — different risk/reward profiles.
ROOT carries more volatility with a beta of 2.90 — expect wider price swings.
ROOT is growing revenue faster at 21.5% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (67/100 vs 46/100) and 12.2% revenue growth. Both earn "Strong Buy" and "Hold" 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 →Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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