American Coastal Insurance Corp (ACIC)vsProgressive Corp (PGR)
ACIC
American Coastal Insurance Corp
$10.62
0.00%
FINANCIAL SERVICES · Cap: $493.85M
PGR
Progressive Corp
$213.28
-0.87%
FINANCIAL SERVICES · Cap: $118.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 27114% more annual revenue ($91.02B vs $334.46M). ACIC leads profitability with a 31.3% profit margin vs 12.9%. ACIC appears more attractively valued with a PEG of 3.21. PGR earns a higher WallStSmart Score of 61/100 (C+).
ACIC
Buy60
out of 100
Grade: C+
PGR
Buy61
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 32 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.2%
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Generating 4.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 1.4%
Earnings declined 9.9%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACIC
The strongest argument for ACIC centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 39.2%.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : ACIC
The primary concerns for ACIC are Market Cap, PEG Ratio, Revenue Growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACIC profiles as a declining stock while PGR is a value play — different risk/reward profiles.
PGR carries more volatility with a beta of 0.25 — expect wider price swings.
PGR is growing revenue faster at 7.3% — 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 60/100). 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.
American Coastal Insurance Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Atlas Crest Investment Corp. The company is headquartered in New York, New York.
Visit Website →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 →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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