Progressive Corp (PGR)vsSafety Insurance Group Inc (SAFT)
PGR
Progressive Corp
$212.24
-2.50%
FINANCIAL SERVICES · Cap: $126.46B
SAFT
Safety Insurance Group Inc
$103.60
-0.04%
FINANCIAL SERVICES · Cap: $1.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 6976% more annual revenue ($91.02B vs $1.29B). PGR leads profitability with a 12.9% profit margin vs 5.3%. SAFT appears more attractively valued with a PEG of 0.95. SAFT earns a higher WallStSmart Score of 62/100 (C+).
PGR
Buy61
out of 100
Grade: C+
SAFT
Buy62
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 34 in profit
Large-cap with strong market position
Generating 3.5B in free cash flow
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 21.0% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
ROE of 7.4% — below average capital efficiency
5.3% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : SAFT
The strongest argument for SAFT centers on Debt/Equity, PEG Ratio, Price/Book. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Bear Case : SAFT
The primary concerns for SAFT are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
PGR carries more volatility with a beta of 0.26 — expect wider price swings.
PGR is growing revenue faster at 7.3% — 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
SAFT scores higher overall (62/100 vs 61/100). 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 →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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