WallStSmart

Markel Corporation (MKL)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 458% more annual revenue ($89.42B vs $16.01B). PGR leads profitability with a 12.9% profit margin vs 11.1%. MKL appears more attractively valued with a PEG of 1.76. PGR earns a higher WallStSmart Score of 61/100 (C+).

MKL

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 5.7Quality: 4.8
Piotroski: 3/9

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MKL3 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
95.4%10/10

Earnings expanding 95.4% YoY

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

PGR4 strengths · Avg: 9.3/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
37.9%10/10

Every $100 of equity generates 38 in profit

Market CapQuality
$116.44B9/10

Large-cap with strong market position

Free Cash FlowQuality
$3.05B8/10

Generating 3.0B in free cash flow

Areas to Watch

MKL4 concerns · Avg: 2.8/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-16.9%2/10

Revenue declined 16.9%

Free Cash FlowQuality
$-31.35M2/10

Negative free cash flow — burning cash

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
30.592/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MKL

The strongest argument for MKL centers on Price/Book, EPS Growth, P/E Ratio.

Bull Case : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.

Bear Case : MKL

The primary concerns for MKL are PEG Ratio, Piotroski F-Score, Revenue Growth.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Key Dynamics to Monitor

MKL profiles as a declining stock while PGR is a value play — different risk/reward profiles.

MKL carries more volatility with a beta of 0.79 — expect wider price swings.

PGR is growing revenue faster at 8.7% — sustainability is the question.

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

Bottom Line

PGR scores higher overall (61/100 vs 59/100). 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.

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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