WallStSmart

Progressive Corp (PGR)vsUniversal Insurance Holdings Inc (UVE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 5479% more annual revenue ($89.42B vs $1.60B). PGR leads profitability with a 12.9% profit margin vs 12.2%. UVE trades at a lower P/E of 5.6x. UVE earns a higher WallStSmart Score of 66/100 (B-).

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 3/9Altman Z: 1.33

UVE

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 0.99

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PGR5 strengths · Avg: 9.2/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.1%10/10

Every $100 of equity generates 36 in profit

Market CapQuality
$114.84B9/10

Large-cap with strong market position

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

UVE5 strengths · Avg: 9.0/10
P/E RatioValuation
5.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
33.5%10/10

Every $100 of equity generates 33 in profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Areas to Watch

PGR3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
29.572/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

UVE3 concerns · Avg: 2.3/10
Market CapQuality
$1.06B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-0.3%2/10

Revenue declined 0.3%

Altman Z-ScoreHealth
0.992/10

Distress zone — elevated risk

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 : UVE

The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.

Bear Case : PGR

The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.

Bear Case : UVE

The primary concerns for UVE are Market Cap, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

PGR profiles as a value stock while UVE is a declining play — different risk/reward profiles.

UVE carries more volatility with a beta of 0.75 — 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

UVE 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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Universal Insurance Holdings Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.

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