Centene Corp (CNC)vsProgressive Corp (PGR)
CNC
Centene Corp
$62.33
-0.59%
HEALTHCARE · Cap: $32.19B
PGR
Progressive Corp
$193.46
+0.22%
FINANCIAL SERVICES · Cap: $118.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 99% more annual revenue ($178.33B vs $89.42B). PGR leads profitability with a 12.9% profit margin vs -3.6%. CNC appears more attractively valued with a PEG of 1.25. PGR earns a higher WallStSmart Score of 61/100 (C+).
CNC
Buy57
out of 100
Grade: C
PGR
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+85.0%
Fair Value
$268.78
Current Price
$62.33
$206.45 discount
Intrinsic value data unavailable for PGR.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 3.4B in free cash flow
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
ROE of -30.1% — below average capital efficiency
Currently unprofitable
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CNC
The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CNC profiles as a turnaround stock while PGR is a value play — different risk/reward profiles.
CNC carries more volatility with a beta of 1.09 — expect wider price swings.
PGR is growing revenue faster at 8.7% — 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 57/100). CNC offers better value entry with a 85.0% margin of safety. 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.
Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
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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