Progressive Corp (PGR)vsTrupanion Inc (TRUP)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
TRUP
Trupanion Inc
$25.50
-0.27%
FINANCIAL SERVICES · Cap: $1.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5989% more annual revenue ($87.64B vs $1.44B). TRUP leads profitability with a 135.0% profit margin vs 12.9%. PGR trades at a lower P/E of 10.7x. PGR earns a higher WallStSmart Score of 67/100 (B-).
PGR
Strong Buy67
out of 100
Grade: B-
TRUP
Buy53
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
-53.5%
Fair Value
$21.06
Current Price
$25.50
$4.44 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
Keeps 135 of every $100 in revenue as profit
Earnings expanding 235.1% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 5.5% — below average capital efficiency
Operating margin of 2.2%
Premium valuation, high expectations priced in
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 : TRUP
The strongest argument for TRUP centers on Profit Margin, EPS Growth, Price/Book. Profitability is solid with margins at 135.0% and operating margin at 2.2%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : TRUP
The primary concerns for TRUP are Market Cap, Return on Equity, Operating Margin. A P/E of 56.7x leaves little room for execution misses.
Key Dynamics to Monitor
PGR profiles as a value stock while TRUP is a mature play — different risk/reward profiles.
TRUP carries more volatility with a beta of 1.70 — expect wider price swings.
PGR is growing revenue faster at 12.2% — 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 53/100) and 12.2% 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 →Trupanion Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Trupanion, Inc. offers monthly subscription medical insurance for dogs and cats in the United States, Canada, Puerto Rico and Australia. The company is headquartered in Seattle, Washington.
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