Aspen Insurance Holdings Limited (AHL-P-D)vsProgressive Corp (PGR)
AHL-P-D
Aspen Insurance Holdings Limited
$17.11
-0.70%
FINANCIAL SERVICES · Cap: $1.25B
PGR
Progressive Corp
$213.75
+2.22%
FINANCIAL SERVICES · Cap: $123.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 2727% more annual revenue ($91.02B vs $3.22B). PGR leads profitability with a 12.9% profit margin vs 10.6%. PGR earns a higher WallStSmart Score of 61/100 (C+).
AHL-P-D
Hold45
out of 100
Grade: D+
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 30.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Every $100 of equity generates 238 in profit
Large-cap with strong market position
Generating 3.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 7.6%
Earnings declined 48.2%
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AHL-P-D
The strongest argument for AHL-P-D centers on Price/Book, Operating Margin, Debt/Equity.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : AHL-P-D
The primary concerns for AHL-P-D are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : PGR
The primary concerns for PGR are Debt/Equity, PEG Ratio, Altman Z-Score. Debt-to-equity of 1.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
AHL-P-D profiles as a declining stock while PGR is a value play — different risk/reward profiles.
PGR carries more volatility with a beta of 0.23 — expect wider price swings.
PGR is growing revenue faster at 7.3% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (61/100 vs 45/100). 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.
Aspen Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Aspen Insurance Holdings Limited (AHL-P-D) offers institutional investors a compelling opportunity through its 5.625% Perpetual Non-Cumulative Preference Shares, providing a steady fixed dividend yield. The company's strong emphasis on rigorous risk management in the insurance and reinsurance sectors underpins its commitment to financial stability and sustainable growth. With a robust capital structure that ensures liquidity and positions the firm for strategic initiatives, AHL-P-D serves as an appealing choice for investors seeking both reliable income and potential growth in a complex market landscape.
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.
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