WallStSmart

Kinsale Capital Group Inc (KNSL)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 4576% more annual revenue ($87.64B vs $1.87B). KNSL leads profitability with a 26.9% profit margin vs 12.9%. KNSL appears more attractively valued with a PEG of 1.07. KNSL earns a higher WallStSmart Score of 75/100 (B).

KNSL

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 9.0Value: 10.0Quality: 6.0
Piotroski: 3/9

PGR

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 7.3Quality: 5.3
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KNSLUndervalued (+60.0%)

Margin of Safety

+60.0%

Fair Value

$1013.22

Current Price

$327.22

$686.00 discount

UndervaluedFair: $1013.22Overvalued
PGRUndervalued (+76.9%)

Margin of Safety

+76.9%

Fair Value

$900.43

Current Price

$202.84

$697.59 discount

UndervaluedFair: $900.43Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KNSL6 strengths · Avg: 8.8/10
Operating MarginProfitability
36.8%10/10

Strong operational efficiency at 36.8%

Return on EquityProfitability
29.2%9/10

Every $100 of equity generates 29 in profit

Profit MarginProfitability
26.9%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
17.3%8/10

17.3% revenue growth

PGR5 strengths · Avg: 9.0/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
40.5%10/10

Every $100 of equity generates 41 in profit

Market CapQuality
$120.67B9/10

Large-cap with strong market position

EPS GrowthGrowth
25.2%8/10

Earnings expanding 25.2% YoY

Free Cash FlowQuality
$3.05B8/10

Generating 3.0B in free cash flow

Areas to Watch

KNSL1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
31.572/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : KNSL

The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 36.8%. Revenue growth of 17.3% 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 : KNSL

The primary concerns for KNSL are Piotroski F-Score.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Key Dynamics to Monitor

KNSL profiles as a growth stock while PGR is a value play — different risk/reward profiles.

KNSL carries more volatility with a beta of 1.04 — expect wider price swings.

KNSL is growing revenue faster at 17.3% — sustainability is the question.

PGR generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

KNSL scores higher overall (75/100 vs 67/100), backed by strong 26.9% margins and 17.3% 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.

Kinsale Capital Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.

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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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