Ategrity Specialty Insurance Company Holdings (ASIC)vsProgressive Corp (PGR)
ASIC
Ategrity Specialty Insurance Company Holdings
$20.34
+4.63%
FINANCIAL SERVICES · Cap: $919.83M
PGR
Progressive Corp
$193.46
+0.42%
FINANCIAL SERVICES · Cap: $114.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 18917% more annual revenue ($89.42B vs $470.18M). ASIC leads profitability with a 19.4% profit margin vs 12.9%. ASIC trades at a lower P/E of 10.0x. ASIC earns a higher WallStSmart Score of 68/100 (B-).
ASIC
Strong Buy68
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
Revenue surging 55.2% year-over-year
Earnings expanding 155.0% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
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
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASIC
The strongest argument for ASIC centers on P/E Ratio, Revenue Growth, EPS Growth. Profitability is solid with margins at 19.4% and operating margin at 26.6%. Revenue growth of 55.2% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : ASIC
The primary concerns for ASIC are Market Cap.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ASIC profiles as a growth stock while PGR is a value play — different risk/reward profiles.
ASIC is growing revenue faster at 55.2% — 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
ASIC scores higher overall (68/100 vs 61/100), backed by strong 19.4% margins and 55.2% 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.
Ategrity Specialty Insurance Company Holdings
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Ategrity Specialty Insurance Company Holdings, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States.
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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