Progressive Corp (PGR)vsStewart Information Services Corp (STC)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
STC
Stewart Information Services Corp
$58.62
+0.27%
FINANCIAL SERVICES · Cap: $1.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 2895% more annual revenue ($87.64B vs $2.93B). PGR leads profitability with a 12.9% profit margin vs 4.0%. STC appears more attractively valued with a PEG of 3.71. PGR earns a higher WallStSmart Score of 67/100 (B-).
PGR
Strong Buy67
out of 100
Grade: B-
STC
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Margin of Safety
+62.6%
Fair Value
$189.54
Current Price
$58.62
$130.92 discount
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
Earnings expanding 55.2% YoY
Attractively priced relative to earnings
19.7% revenue growth
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
4.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
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 : STC
The strongest argument for STC centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 19.7% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : STC
The primary concerns for STC are Market Cap, Profit Margin, Piotroski F-Score. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
PGR profiles as a value stock while STC is a growth play — different risk/reward profiles.
STC carries more volatility with a beta of 1.00 — expect wider price swings.
STC is growing revenue faster at 19.7% — 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 59/100) and 12.2% revenue growth. STC offers better value entry with a 62.6% margin of safety. 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 →Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
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