HCI Group Inc (HCI)vsProgressive Corp (PGR)
HCI
HCI Group Inc
$153.85
-0.76%
FINANCIAL SERVICES · Cap: $2.00B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 9627% more annual revenue ($87.64B vs $900.95M). HCI leads profitability with a 33.2% profit margin vs 12.9%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 79/100 (B+).
HCI
Strong Buy79
out of 100
Grade: B+
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.5%
Fair Value
$1063.30
Current Price
$153.85
$909.45 discount
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
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Keeps 33 of every $100 in revenue as profit
Revenue surging 48.0% year-over-year
Earnings expanding 1612.0% YoY
Growing faster than its price suggests
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
Operating margin of -3.6%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.2% and operating margin at -3.6%. Revenue growth of 48.0% 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 : HCI
The primary concerns for HCI are Market Cap, Operating Margin.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
HCI profiles as a growth stock while PGR is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.11 — expect wider price swings.
HCI is growing revenue faster at 48.0% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
HCI scores higher overall (79/100 vs 67/100), backed by strong 33.2% margins and 48.0% revenue growth. PGR offers better value entry with a 76.9% margin of safety. Both earn "Strong Buy" and "Strong 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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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