Hagerty Inc (HGTY)vsProgressive Corp (PGR)
HGTY
Hagerty Inc
$17.97
-2.12%
FINANCIAL SERVICES · Cap: $5.35B
PGR
Progressive Corp
$227.77
-2.32%
FINANCIAL SERVICES · Cap: $134.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 6379% more annual revenue ($91.70B vs $1.42B). PGR leads profitability with a 12.7% profit margin vs 1.3%. HGTY appears more attractively valued with a PEG of 0.27. HGTY earns a higher WallStSmart Score of 54/100 (C-).
HGTY
Buy54
out of 100
Grade: C-
PGR
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.4B in free cash flow
Areas to Watch
Trading at 8.5x book value
1.3% margin — thin
Premium valuation, high expectations priced in
Revenue declined 6.5%
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth. PEG of 0.27 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 : HGTY
The primary concerns for HGTY are Price/Book, Profit Margin, P/E Ratio. A P/E of 141.6x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
HGTY carries more volatility with a beta of 0.83 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (4.4B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HGTY scores higher overall (54/100 vs 53/100). 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider focused on the automotive enthusiast market, offering bespoke coverage for vintage cars, motorcycles, and collectible vehicles. Utilizing a subscription-based model, Hagerty has established a reliable revenue stream while fostering a vibrant community through exclusive events and digital engagement. The company enhances its competitive edge by diversifying its offerings to include vehicle valuation tools and investment resources. As interest in classic car ownership rises, Hagerty's innovative strategies and customer-centric approach uniquely position it for sustained growth within the expanding automotive collectibles sector.
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.
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