Progressive Corp (PGR)vsPalomar Holdings Inc (PLMR)
PGR
Progressive Corp
$225.66
+2.00%
FINANCIAL SERVICES · Cap: $127.17B
PLMR
Palomar Holdings Inc
$136.44
+1.78%
FINANCIAL SERVICES · Cap: $3.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 8302% more annual revenue ($91.70B vs $1.09B). PLMR leads profitability with a 18.6% profit margin vs 12.7%. PGR trades at a lower P/E of 11.0x. PLMR earns a higher WallStSmart Score of 66/100 (B-).
PGR
Buy53
out of 100
Grade: C-
PLMR
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Revenue surging 54.7% year-over-year
Every $100 of equity generates 21 in profit
Strong operational efficiency at 23.8%
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
No major concerns identified
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, Operating Margin. Profitability is solid with margins at 18.6% and operating margin at 23.8%. Revenue growth of 54.7% demonstrates continued momentum.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : PLMR
No major red flags identified for PLMR, but monitor valuation.
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 0.35 — expect wider price swings.
PLMR is growing revenue faster at 54.7% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (66/100 vs 53/100), backed by strong 18.6% margins and 54.7% 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.
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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