WallStSmart

National Grid PLC ADR (NGG)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 411% more annual revenue ($89.42B vs $17.48B). NGG leads profitability with a 16.4% profit margin vs 12.9%. NGG appears more attractively valued with a PEG of 1.10. PGR earns a higher WallStSmart Score of 61/100 (C+).

NGG

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 6.5Value: 5.7Quality: 4.0
Piotroski: 4/9Altman Z: 1.24

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

NGG2 strengths · Avg: 8.5/10
Market CapQuality
$88.05B9/10

Large-cap with strong market position

Operating MarginProfitability
24.1%8/10

Strong operational efficiency at 24.1%

PGR4 strengths · Avg: 9.3/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
37.9%10/10

Every $100 of equity generates 38 in profit

Market CapQuality
$113.36B9/10

Large-cap with strong market position

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

Areas to Watch

NGG4 concerns · Avg: 3.0/10
Price/BookValuation
8.6x4/10

Trading at 8.6x book value

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Debt/EquityHealth
1.233/10

Elevated debt levels

Revenue GrowthGrowth
-11.3%2/10

Revenue declined 11.3%

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
30.202/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : NGG

The strongest argument for NGG centers on Market Cap, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 24.1%. PEG of 1.10 suggests the stock is reasonably priced for its growth.

Bull Case : PGR

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

Bear Case : NGG

The primary concerns for NGG are Price/Book, Return on Equity, Debt/Equity.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Key Dynamics to Monitor

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

NGG carries more volatility with a beta of 0.62 — expect wider price swings.

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

PGR generates stronger free cash flow (4.3B), providing more financial flexibility.

Bottom Line

PGR scores higher overall (61/100 vs 50/100). 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.

National Grid PLC ADR

UTILITIES · UTILITIES - REGULATED ELECTRIC · USA

National Grid plc transmits and distributes electricity and natural gas. The company is headquartered in London, the United Kingdom.

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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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