Progressive Corp (PGR)vsSanofi ADR (SNY)
PGR
Progressive Corp
$194.00
-0.89%
FINANCIAL SERVICES · Cap: $113.36B
SNY
Sanofi ADR
$43.31
+0.30%
HEALTHCARE · Cap: $103.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 89% more annual revenue ($89.42B vs $47.35B). SNY leads profitability with a 16.0% profit margin vs 12.9%. SNY appears more attractively valued with a PEG of 3.76. PGR earns a higher WallStSmart Score of 61/100 (C+).
PGR
Buy61
out of 100
Grade: C+
SNY
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for PGR.
Margin of Safety
+25.0%
Fair Value
$62.70
Current Price
$43.31
$19.39 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Large-cap with strong market position
Generating 4.3B in free cash flow
Reasonable price relative to book value
Large-cap with strong market position
Strong operational efficiency at 20.0%
Generating 1.7B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 6.6% — below average capital efficiency
Expensive relative to growth rate
Earnings declined 11.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : SNY
The strongest argument for SNY centers on Price/Book, Market Cap, Operating Margin. Profitability is solid with margins at 16.0% and operating margin at 20.0%.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : SNY
The primary concerns for SNY are Return on Equity, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
PGR profiles as a value stock while SNY is a mature play — different risk/reward profiles.
PGR carries more volatility with a beta of 0.29 — expect wider price swings.
PGR is growing revenue faster at 8.7% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (61/100 vs 51/100). SNY offers better value entry with a 25.0% margin of safety. 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 →Sanofi ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Sanofi, a healthcare company, is engaged in the research, development, manufacture, and marketing of therapeutic solutions in the United States, Europe, and internationally. The company is headquartered in Paris, France.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?