Progressive Corp (PGR)vsW. R. Berkley Corp (WRB)
PGR
Progressive Corp
$233.92
-2.06%
FINANCIAL SERVICES · Cap: $134.03B
WRB
W. R. Berkley Corp
$75.16
+1.76%
FINANCIAL SERVICES · Cap: $27.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 517% more annual revenue ($91.70B vs $14.87B). PGR leads profitability with a 12.7% profit margin vs 12.5%. WRB appears more attractively valued with a PEG of 4.72. WRB earns a higher WallStSmart Score of 55/100 (C-).
PGR
Buy53
out of 100
Grade: C-
WRB
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 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.8%
Earnings declined 10.9%
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.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : WRB
The primary concerns for WRB are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PGR profiles as a value stock while WRB is a declining play — different risk/reward profiles.
WRB carries more volatility with a beta of 0.27 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 vs 53/100). 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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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