Progressive Corp (PGR)vsSelective Insurance Group, Inc. (SIGI)
PGR
Progressive Corp
$233.18
-2.32%
FINANCIAL SERVICES · Cap: $134.03B
SIGI
Selective Insurance Group, Inc.
$99.44
-2.29%
FINANCIAL SERVICES · Cap: $5.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 1587% more annual revenue ($91.70B vs $5.44B). PGR leads profitability with a 12.7% profit margin vs 9.4%. SIGI appears more attractively valued with a PEG of 0.28. SIGI earns a higher WallStSmart Score of 62/100 (C+).
PGR
Buy53
out of 100
Grade: C-
SIGI
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
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Conservative balance sheet, low leverage
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
Revenue declined 2.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : SIGI
The strongest argument for SIGI centers on PEG Ratio, P/E Ratio, Debt/Equity. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : SIGI
The primary concerns for SIGI are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
SIGI carries more volatility with a beta of 0.25 — 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
SIGI scores higher overall (62/100 vs 53/100). 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 →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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