Progressive Corp (PGR)vsSkyward Specialty Insurance Group, Inc. Common Stock (SKWD)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
SKWD
Skyward Specialty Insurance Group, Inc. Common Stock
$43.15
+1.72%
FINANCIAL SERVICES · Cap: $1.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 6087% more annual revenue ($87.64B vs $1.42B). PGR leads profitability with a 12.9% profit margin vs 12.0%. SKWD appears more attractively valued with a PEG of 0.73. SKWD earns a higher WallStSmart Score of 78/100 (B+).
PGR
Strong Buy67
out of 100
Grade: B-
SKWD
Strong Buy78
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
+76.1%
Fair Value
$190.48
Current Price
$43.15
$147.33 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
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 26.7% year-over-year
Areas to Watch
Expensive relative to growth rate
2.0% earnings growth
Smaller company, higher risk/reward
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. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : SKWD
The strongest argument for SKWD centers on P/E Ratio, Debt/Equity, PEG Ratio. Revenue growth of 26.7% demonstrates continued momentum. PEG of 0.73 suggests the stock is reasonably priced for its growth.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : SKWD
The primary concerns for SKWD are EPS Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
PGR profiles as a value stock while SKWD is a growth play — different risk/reward profiles.
SKWD carries more volatility with a beta of 0.52 — expect wider price swings.
SKWD is growing revenue faster at 26.7% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
SKWD scores higher overall (78/100 vs 67/100) and 26.7% 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 →Skyward Specialty Insurance Group, Inc. Common Stock
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company is headquartered in Houston, Texas.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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