American Integrity Insurance Group, Inc. (AII)vsProgressive Corp (PGR)
AII
American Integrity Insurance Group, Inc.
$17.00
+3.91%
FINANCIAL SERVICES · Cap: $325.21M
PGR
Progressive Corp
$193.46
+0.42%
FINANCIAL SERVICES · Cap: $114.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 30156% more annual revenue ($89.42B vs $295.53M). AII leads profitability with a 27.6% profit margin vs 12.9%. AII trades at a lower P/E of 3.4x. AII earns a higher WallStSmart Score of 70/100 (B).
AII
Strong Buy70
out of 100
Grade: B
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.0%
Conservative balance sheet, low leverage
Every $100 of equity generates 24 in profit
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Every $100 of equity generates 36 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 63.4%
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AII
The strongest argument for AII centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 30.0%. Revenue growth of 26.5% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : AII
The primary concerns for AII are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AII profiles as a growth stock while PGR is a value play — different risk/reward profiles.
AII is growing revenue faster at 26.5% — 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
AII scores higher overall (70/100 vs 61/100), backed by strong 27.6% margins and 26.5% 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.
American Integrity Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Integrity Insurance Group, Inc. (AII) stands out as a premier provider in the homeowners' and property insurance sector, with a strategic emphasis on the Florida market. Renowned for its innovative and customer-centric approach, AII leverages advanced technology and data analytics to refine claims processing and underwriting, significantly boosting customer satisfaction. With a solid financial foundation and a nimble response to market dynamics, AII is poised to capitalize on the rising demand for reliable insurance solutions, ensuring a trajectory of sustained growth and an expanding footprint in the competitive insurance 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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