Progressive Corp (PGR)vsUniversal Corporation (UVV)
PGR
Progressive Corp
$194.00
-0.89%
FINANCIAL SERVICES · Cap: $113.36B
UVV
Universal Corporation
$53.70
-0.11%
CONSUMER DEFENSIVE · Cap: $1.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 2971% more annual revenue ($89.42B vs $2.91B). PGR leads profitability with a 12.9% profit margin vs 2.9%. UVV appears more attractively valued with a PEG of 3.06. PGR earns a higher WallStSmart Score of 61/100 (C+).
PGR
Buy61
out of 100
Grade: C+
UVV
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for PGR.
Margin of Safety
+33.4%
Fair Value
$79.32
Current Price
$53.70
$25.62 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
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.0% — below average capital efficiency
2.9% margin — thin
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.
Bull Case : UVV
The strongest argument for UVV centers on Price/Book, P/E Ratio.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : UVV
The primary concerns for UVV are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
UVV carries more volatility with a beta of 0.59 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (61/100 vs 45/100). UVV offers better value entry with a 33.4% margin of safety. Both earn "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 →Universal Corporation
CONSUMER DEFENSIVE · TOBACCO · USA
Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.
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