Markel Corporation (MKL)vsProgressive Corp (PGR)
MKL
Markel Corporation
$1,875.35
-0.33%
FINANCIAL SERVICES · Cap: $23.65B
PGR
Progressive Corp
$206.00
+1.64%
FINANCIAL SERVICES · Cap: $120.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 428% more annual revenue ($87.64B vs $16.59B). PGR leads profitability with a 12.9% profit margin vs 12.7%. MKL appears more attractively valued with a PEG of 1.93. MKL earns a higher WallStSmart Score of 71/100 (B).
MKL
Strong Buy71
out of 100
Grade: B
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.4%
Fair Value
$7890.01
Current Price
$1875.35
$6014.66 discount
Margin of Safety
+77.2%
Fair Value
$914.94
Current Price
$206.00
$708.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 95.4% YoY
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
Expensive relative to growth rate
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : MKL
The strongest argument for MKL centers on P/E Ratio, Price/Book, EPS Growth.
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 : MKL
The primary concerns for MKL are PEG Ratio, Piotroski F-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
MKL carries more volatility with a beta of 0.77 — expect wider price swings.
PGR is growing revenue faster at 12.2% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MKL scores higher overall (71/100 vs 67/100). PGR offers better value entry with a 77.2% 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.
Markel Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.
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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