WallStSmart

Progressive Corp (PGR)vsTenet Healthcare Corporation (THC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 317% more annual revenue ($89.42B vs $21.45B). PGR leads profitability with a 12.9% profit margin vs 7.9%. THC appears more attractively valued with a PEG of 4.80. THC earns a higher WallStSmart Score of 66/100 (B-).

PGR

Buy

61

out of 100

Grade: C+

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

THC

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 7.0Value: 7.3Quality: 6.3
Piotroski: 6/9Altman Z: 1.69
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PGR.

THCUndervalued (+78.8%)

Margin of Safety

+78.8%

Fair Value

$1068.55

Current Price

$190.38

$878.17 discount

UndervaluedFair: $1068.55Overvalued

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

THC4 strengths · Avg: 9.5/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.3%10/10

Every $100 of equity generates 30 in profit

EPS GrowthGrowth
87.6%10/10

Earnings expanding 87.6% YoY

Free Cash FlowQuality
$1.46B8/10

Generating 1.5B in free cash flow

Areas to Watch

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

Expensive relative to growth rate

THC4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.8%4/10

2.8% revenue growth

Altman Z-ScoreHealth
1.694/10

Distress zone — elevated risk

Profit MarginProfitability
7.9%3/10

7.9% margin — thin

PEG RatioValuation
4.802/10

Expensive relative to growth rate

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 : THC

The strongest argument for THC centers on P/E Ratio, Return on Equity, EPS Growth.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Bear Case : THC

The primary concerns for THC are Revenue Growth, Altman Z-Score, Profit Margin.

Key Dynamics to Monitor

THC carries more volatility with a beta of 1.30 — 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.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

THC scores higher overall (66/100 vs 61/100). Both earn "Strong 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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Tenet Healthcare Corporation

HEALTHCARE · MEDICAL CARE FACILITIES · USA

Tenet Healthcare Corporation is a diversified health services company. The company is headquartered in Dallas, Texas.

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