Hippo Holdings Inc (HIPO)vsProgressive Corp (PGR)
HIPO
Hippo Holdings Inc
$25.85
+0.08%
FINANCIAL SERVICES · Cap: $664.34M
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 18602% more annual revenue ($87.64B vs $468.60M). PGR leads profitability with a 12.9% profit margin vs 12.3%. PGR trades at a lower P/E of 10.7x. PGR earns a higher WallStSmart Score of 67/100 (B-).
HIPO
Buy51
out of 100
Grade: C-
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-83.8%
Fair Value
$15.10
Current Price
$25.85
$10.75 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
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Reasonable price relative to book value
18.2% revenue growth
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
Earnings declined 86.3%
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HIPO
The strongest argument for HIPO centers on P/E Ratio, Debt/Equity, Price/Book. Revenue growth of 18.2% 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 : HIPO
The primary concerns for HIPO are Market Cap, EPS Growth, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
HIPO profiles as a growth stock while PGR is a value play — different risk/reward profiles.
HIPO carries more volatility with a beta of 1.63 — expect wider price swings.
HIPO is growing revenue faster at 18.2% — 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 51/100) and 12.2% revenue growth. Both earn "Strong 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.
Hippo Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hippo Holdings Inc. (HIPO) is an innovative insurtech company transforming the home insurance sector through advanced technology and a customer-centric model. By leveraging data analytics and artificial intelligence, Hippo enhances underwriting processes and tailors insurance solutions to meet homeowners' specific needs, thereby improving the overall customer experience. With a commitment to rapid claims processing and comprehensive coverage options, Hippo is strategically positioned as a leader in the insurance industry, ready to capitalize on the growing demand for efficient and transparent insurance solutions. As the home insurance landscape evolves, Hippo is well-equipped to seize significant market opportunities and drive future growth.
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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