Progressive Corp (PGR)vsRoot Inc (ROOT)
PGR
Progressive Corp
$233.92
-2.03%
FINANCIAL SERVICES · Cap: $134.03B
ROOT
Root Inc
$51.73
-0.06%
FINANCIAL SERVICES · Cap: $801.93M
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5750% more annual revenue ($91.70B vs $1.57B). PGR leads profitability with a 12.7% profit margin vs 3.7%. PGR trades at a lower P/E of 11.7x. PGR earns a higher WallStSmart Score of 53/100 (C-).
PGR
Buy53
out of 100
Grade: C-
ROOT
Hold49
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
1.6% revenue growth
Smaller company, higher risk/reward
3.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : ROOT
The strongest argument for ROOT centers on P/E Ratio, Price/Book.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : ROOT
The primary concerns for ROOT are Revenue Growth, Market Cap, Profit Margin. Thin 3.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
ROOT carries more volatility with a beta of 2.91 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (53/100 vs 49/100). Both earn "Buy" and "Hold" 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 →Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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