Progressive Corp (PGR)vsToyota Motor Corporation ADR (TM)
PGR
Progressive Corp
$194.00
-0.89%
FINANCIAL SERVICES · Cap: $113.36B
TM
Toyota Motor Corporation ADR
$187.53
-0.78%
CONSUMER CYCLICAL · Cap: $230.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Toyota Motor Corporation ADR generates 56323% more annual revenue ($50.45T vs $89.42B). PGR leads profitability with a 12.9% profit margin vs 7.3%. TM appears more attractively valued with a PEG of 1.54. PGR earns a higher WallStSmart Score of 61/100 (C+).
PGR
Buy61
out of 100
Grade: C+
TM
Buy55
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 38 in profit
Large-cap with strong market position
Generating 4.3B in free cash flow
Mega-cap, among the largest globally
Attractively priced relative to earnings
Generating 592.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Trading at 16.0x book value
7.3% margin — thin
Earnings declined 42.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : TM
The strongest argument for TM centers on Market Cap, P/E Ratio, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : TM
The primary concerns for TM are PEG Ratio, Price/Book, Profit Margin.
Key Dynamics to Monitor
TM carries more volatility with a beta of 0.33 — expect wider price swings.
PGR is growing revenue faster at 8.7% — sustainability is the question.
TM generates stronger free cash flow (592.1B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (61/100 vs 55/100). 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 →Toyota Motor Corporation ADR
CONSUMER CYCLICAL · AUTO MANUFACTURERS · USA
Toyota Motor Corporation designs, manufactures, assembles and sells passenger cars, minivans and commercial vehicles, and related parts and accessories. The company is headquartered in Toyota, Japan.
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