Chevron Corp (CVX)vsProgressive Corp (PGR)
CVX
Chevron Corp
$205.15
-0.79%
ENERGY · Cap: $403.33B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Chevron Corp generates 111% more annual revenue ($184.65B vs $87.64B). PGR leads profitability with a 12.9% profit margin vs 6.7%. CVX appears more attractively valued with a PEG of 3.82. PGR earns a higher WallStSmart Score of 67/100 (B-).
CVX
Hold40
out of 100
Grade: F
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-358.0%
Fair Value
$45.15
Current Price
$205.15
$160.00 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
Mega-cap, among the largest globally
Reasonable price relative to book value
Generating 5.4B 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
Premium valuation, high expectations priced in
ROE of 7.2% — below average capital efficiency
6.7% margin — thin
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CVX
The strongest argument for CVX 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 : CVX
The primary concerns for CVX are P/E Ratio, Return on Equity, Profit Margin.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
CVX carries more volatility with a beta of 0.66 — expect wider price swings.
PGR is growing revenue faster at 12.2% — sustainability is the question.
CVX generates stronger free cash flow (5.4B), providing more financial flexibility.
Monitor OIL & GAS INTEGRATED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (67/100 vs 40/100) 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.
Chevron Corp
ENERGY · OIL & GAS INTEGRATED · USA
Chevron Corporation is an American multinational energy corporation. One of the successor companies of Standard Oil, it is headquartered in San Ramon, California, and active in more than 180 countries. Chevron is engaged in every aspect of the oil and natural gas industries, including hydrocarbon exploration and production; refining, marketing and transport; chemicals manufacturing and sales; and power generation.
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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