Ategrity Specialty Insurance Company Holdings (ASIC)vsProgressive Corp (PGR)
ASIC
Ategrity Specialty Insurance Company Holdings
$18.81
-1.31%
FINANCIAL SERVICES · Cap: $930.57M
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 20553% more annual revenue ($87.64B vs $424.34M). ASIC leads profitability with a 17.4% profit margin vs 12.9%. PGR trades at a lower P/E of 10.7x. PGR earns a higher WallStSmart Score of 67/100 (B-).
ASIC
Buy52
out of 100
Grade: C-
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-65.3%
Fair Value
$10.74
Current Price
$18.81
$8.07 premium
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 26.9%
17.9% revenue growth
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 9.0%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : ASIC
The strongest argument for ASIC centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 26.9%. Revenue growth of 17.9% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : ASIC
The primary concerns for ASIC are Market Cap, Piotroski F-Score, EPS Growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
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 17.9% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (67/100 vs 52/100) and 12.2% 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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