Progressive Corp (PGR)vsPalomar Holdings Inc (PLMR)
PGR
Progressive Corp
$193.46
+0.21%
FINANCIAL SERVICES · Cap: $114.84B
PLMR
Palomar Holdings Inc
$108.51
+5.07%
FINANCIAL SERVICES · Cap: $3.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 9021% more annual revenue ($89.42B vs $980.27M). PLMR leads profitability with a 20.1% profit margin vs 12.9%. PGR trades at a lower P/E of 10.0x. PLMR earns a higher WallStSmart Score of 64/100 (C+).
PGR
Buy61
out of 100
Grade: C+
PLMR
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Revenue surging 59.7% year-over-year
Every $100 of equity generates 21 in profit
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.3%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
0.0% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 20.3%. Revenue growth of 59.7% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Bear Case : PLMR
The primary concerns for PLMR are EPS Growth.
Key Dynamics to Monitor
PGR profiles as a value stock while PLMR is a growth play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.44 — expect wider price swings.
PLMR is growing revenue faster at 59.7% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (64/100 vs 61/100), backed by strong 20.1% margins and 59.7% revenue growth. 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.
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 →Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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