Progressive Corp (PGR)vsRLI Corp (RLI)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
RLI
RLI Corp
$56.97
-1.74%
FINANCIAL SERVICES · Cap: $5.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 4555% more annual revenue ($87.64B vs $1.88B). RLI leads profitability with a 21.4% profit margin vs 12.9%. RLI appears more attractively valued with a PEG of 1.73. RLI earns a higher WallStSmart Score of 75/100 (B).
PGR
Strong Buy67
out of 100
Grade: B-
RLI
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Margin of Safety
+69.3%
Fair Value
$205.45
Current Price
$56.97
$148.48 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Earnings expanding 124.4% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : RLI
The strongest argument for RLI centers on EPS Growth, Debt/Equity, Return on Equity. Profitability is solid with margins at 21.4% and operating margin at 27.0%.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio.
Key Dynamics to Monitor
PGR profiles as a value stock while RLI is a mature play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.45 — expect wider price swings.
PGR is growing revenue faster at 12.2% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
RLI scores higher overall (75/100 vs 67/100), backed by strong 21.4% margins. PGR offers better value entry with a 76.9% margin of safety. Both earn "Strong Buy" and "Strong 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 →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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