ConocoPhillips (COP)vsProgressive Corp (PGR)
COP
ConocoPhillips
$128.93
-0.32%
ENERGY · Cap: $157.60B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 45% more annual revenue ($87.64B vs $60.28B). COP leads profitability with a 13.3% profit margin vs 12.9%. COP appears more attractively valued with a PEG of 4.22. PGR earns a higher WallStSmart Score of 67/100 (B-).
COP
Hold48
out of 100
Grade: D+
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-157.1%
Fair Value
$43.25
Current Price
$128.93
$85.68 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
Large-cap with strong market position
Reasonable price relative to book value
Generating 1.3B in free cash flow
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
Expensive relative to growth rate
Revenue declined 6.8%
Earnings declined 39.0%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : COP
The strongest argument for COP centers on Market Cap, Price/Book, Free Cash Flow.
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 : COP
The primary concerns for COP are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
COP profiles as a declining stock while PGR is a value play — different risk/reward profiles.
PGR carries more volatility with a beta of 0.29 — expect wider price swings.
PGR is growing revenue faster at 12.2% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (67/100 vs 48/100) and 12.2% revenue growth. Both earn "Strong 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.
ConocoPhillips
ENERGY · OIL & GAS E&P · USA
ConocoPhillips is an American multinational corporation engaged in hydrocarbon exploration. It is based in the Energy Corridor district of Houston, Texas.
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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