WallStSmart

Progressive Corp (PGR)vsMolson Coors Brewing Co Class B (TAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 699% more annual revenue ($89.42B vs $11.19B). PGR leads profitability with a 12.9% profit margin vs -18.9%. TAP appears more attractively valued with a PEG of 4.23. PGR earns a higher WallStSmart Score of 61/100 (C+).

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.3
Piotroski: 4/9

TAP

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 5.7Quality: 4.0
Piotroski: 4/9Altman Z: 0.90
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PGR.

TAPUndervalued (+59.8%)

Margin of Safety

+59.8%

Fair Value

$132.44

Current Price

$42.41

$90.03 discount

UndervaluedFair: $132.44Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PGR4 strengths · Avg: 9.3/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
37.9%10/10

Every $100 of equity generates 38 in profit

Market CapQuality
$113.36B9/10

Large-cap with strong market position

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

TAP2 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

EPS GrowthGrowth
35.6%8/10

Earnings expanding 35.6% YoY

Areas to Watch

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
30.202/10

Expensive relative to growth rate

TAP4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

PEG RatioValuation
4.232/10

Expensive relative to growth rate

Return on EquityProfitability
-18.1%2/10

ROE of -18.1% — below average capital efficiency

Free Cash FlowQuality
$-229.20M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.

Bull Case : TAP

The strongest argument for TAP centers on Price/Book, EPS Growth.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Bear Case : TAP

The primary concerns for TAP are Revenue Growth, PEG Ratio, Return on Equity.

Key Dynamics to Monitor

PGR profiles as a value stock while TAP is a turnaround play — different risk/reward profiles.

TAP carries more volatility with a beta of 0.44 — expect wider price swings.

PGR is growing revenue faster at 8.7% — sustainability is the question.

PGR generates stronger free cash flow (4.3B), providing more financial flexibility.

Bottom Line

PGR scores higher overall (61/100 vs 56/100). TAP offers better value entry with a 59.8% margin of safety. 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.

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Molson Coors Brewing Co Class B

CONSUMER DEFENSIVE · BEVERAGES - BREWERS · USA

The Molson Coors Beverage Company, commonly known as Molson Coors, is a multinational drink and brewing company headquartered in Chicago in the United States.

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