Progressive Corp (PGR)vsSafety Insurance Group Inc (SAFT)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
SAFT
Safety Insurance Group Inc
$72.82
-0.78%
FINANCIAL SERVICES · Cap: $1.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 6835% more annual revenue ($87.64B vs $1.26B). PGR leads profitability with a 12.9% profit margin vs 7.8%. SAFT appears more attractively valued with a PEG of 0.95. SAFT earns a higher WallStSmart Score of 71/100 (B).
PGR
Strong Buy67
out of 100
Grade: B-
SAFT
Strong Buy71
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
+74.6%
Fair Value
$313.56
Current Price
$72.82
$240.74 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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
1.5% earnings growth
Smaller company, higher risk/reward
7.8% margin — thin
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 : SAFT
The strongest argument for SAFT centers on P/E Ratio, Price/Book, Debt/Equity. Revenue growth of 11.4% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : SAFT
The primary concerns for SAFT are EPS Growth, Market Cap, Profit Margin.
Key Dynamics to Monitor
PGR carries more volatility with a beta of 0.29 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAFT scores higher overall (71/100 vs 67/100) and 11.4% revenue growth. 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 →Safety Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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