Old Republic International Corp (ORI)vsProgressive Corp (PGR)
ORI
Old Republic International Corp
$38.16
+2.61%
FINANCIAL SERVICES · Cap: $9.39B
PGR
Progressive Corp
$193.46
+0.21%
FINANCIAL SERVICES · Cap: $114.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 849% more annual revenue ($89.42B vs $9.42B). PGR leads profitability with a 12.9% profit margin vs 10.8%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 78/100 (B+).
ORI
Strong Buy78
out of 100
Grade: B+
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 34.7% YoY
Attractively priced relative to earnings
Every $100 of equity generates 36 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
No major concerns identified
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, Debt/Equity, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ORI carries more volatility with a beta of 0.65 — expect wider price swings.
ORI is growing revenue faster at 13.5% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORI scores higher overall (78/100 vs 61/100) and 13.5% 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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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