Progressive Corp (PGR)vsRoot Inc (ROOT)
PGR
Progressive Corp
$193.46
+0.22%
FINANCIAL SERVICES · Cap: $118.74B
ROOT
Root Inc
$53.54
+1.71%
FINANCIAL SERVICES · Cap: $868.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5627% more annual revenue ($89.42B vs $1.56B). PGR leads profitability with a 12.9% profit margin vs 3.5%. PGR trades at a lower P/E of 10.3x. PGR earns a higher WallStSmart Score of 61/100 (C+).
PGR
Buy61
out of 100
Grade: C+
ROOT
Buy57
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 36 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Earnings expanding 95.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
3.5% margin — thin
Weak financial health signals
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 : ROOT
The strongest argument for ROOT centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 12.6% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Piotroski F-Score. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
ROOT carries more volatility with a beta of 2.86 — expect wider price swings.
ROOT is growing revenue faster at 12.6% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (61/100 vs 57/100). 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 →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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