Kinsale Capital Group Inc (KNSL)vsProgressive Corp (PGR)
KNSL
Kinsale Capital Group Inc
$358.42
-0.62%
FINANCIAL SERVICES · Cap: $8.32B
PGR
Progressive Corp
$225.66
+2.00%
FINANCIAL SERVICES · Cap: $127.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 4494% more annual revenue ($91.70B vs $2.00B). KNSL leads profitability with a 28.5% profit margin vs 12.7%. KNSL appears more attractively valued with a PEG of 1.01. KNSL earns a higher WallStSmart Score of 77/100 (B+).
KNSL
Strong Buy77
out of 100
Grade: B+
PGR
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 40.7%
Every $100 of equity generates 27 in profit
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
16.8% revenue growth
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 3.5B in free cash flow
Areas to Watch
Distress zone — elevated risk
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KNSL
The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 40.7%. Revenue growth of 16.8% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : KNSL
The primary concerns for KNSL are Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
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 0.87 — expect wider price swings.
KNSL is growing revenue faster at 16.8% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
KNSL scores higher overall (77/100 vs 53/100), backed by strong 28.5% margins and 16.8% 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.
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.
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.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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