Progressive Corp (PGR)vsSelective Insurance Group Inc (SIGI)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
SIGI
Selective Insurance Group Inc
$73.72
-1.15%
FINANCIAL SERVICES · Cap: $4.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 1542% more annual revenue ($87.64B vs $5.34B). PGR leads profitability with a 12.9% profit margin vs 8.7%. SIGI appears more attractively valued with a PEG of 0.28. SIGI earns a higher WallStSmart Score of 74/100 (B).
PGR
Strong Buy67
out of 100
Grade: B-
SIGI
Strong Buy74
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
+74.4%
Fair Value
$346.79
Current Price
$73.72
$273.07 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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 65.8% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Grey zone — moderate risk
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 : SIGI
The strongest argument for SIGI centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : SIGI
The primary concerns for SIGI are Altman Z-Score.
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
SIGI scores higher overall (74/100 vs 67/100). 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 →Selective Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Selective Insurance Group, Inc., offers insurance products and services in the United States. The company is headquartered in Branchville, New Jersey.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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