ORI vs HCI vs ALL vs HIG vs PGR

For growth investors, The Progressive Corporation (PGR) is the stronger pick with 21.

4% revenue growth year-over-year, versus 4. 6% for The Allstate Corporation (ALL). The Allstate Corporation (ALL) offers the better valuation at 5. 6x trailing P/E (7. 9x forward), making it the more compelling value choice. Analysts rate HCI Group, Inc. (HCI) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, The Allstate Corporation (ALL) is the cheapest at 5.

6x versus The Progressive Corporation at 13. 6x. On forward P/E, The Allstate Corporation is actually cheaper at 7. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: HCI Group, Inc. wins at 0. 19x versus Old Republic International Corporation's 0. 86x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, The Hartford Financial Services Group, Inc.

(HIG) delivered a total return of +112. 7%, compared to +75. 3% for The Allstate Corporation (ALL). Over 10 years, the gap is even starker: PGR returned +588. 4% versus ORI's +208. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), The Progressive Corporation (PGR) is the lower-risk stock at -0.

09β versus HCI Group, Inc. 's 0. 38β — meaning HCI is approximately -510% more volatile than PGR relative to the S&P 500. On balance sheet safety, HCI Group, Inc. (HCI) carries a lower debt/equity ratio of 6% versus 30% for Old Republic International Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), The Progressive Corporation (PGR) is pulling ahead at 21.

4% versus 4. 6% for The Allstate Corporation (ALL). On earnings-per-share growth, the picture is similar: HCI Group, Inc. grew EPS 179. 8% year-over-year, compared to 15. 1% for Old Republic International Corporation. Over a 3-year CAGR, HCI leads at 22. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

HCI Group, Inc.

(HCI) is the more profitable company, earning 33. 2% net margin versus 10. 3% for Old Republic International Corporation — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HCI leads at 47. 7% versus 13. 0% for ORI. At the gross margin level — before operating expenses — HCI leads at 73. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, HCI Group, Inc. (HCI) is the more undervalued stock at a PEG of 0. 19x versus Old Republic International Corporation's 0. 86x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, The Allstate Corporation (ALL) trades at 7. 9x forward P/E versus 12. 8x for Old Republic International Corporation — 4. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PGR: 17. 6% to $230. 27.

All stocks in this comparison pay dividends.

Old Republic International Corporation (ORI) offers the highest yield at 7. 9%, versus 0. 6% for The Progressive Corporation (PGR).

For long-horizon retirement investors, The Progressive Corporation (PGR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.

09), 0. 6% yield, +588. 4% 10Y return). Both have compounded well over 10 years (PGR: +588. 4%, HIG: +232. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: ORI is a small-cap deep-value stock; HCI is a small-cap high-growth stock; ALL is a mid-cap deep-value stock; HIG is a mid-cap deep-value stock; PGR is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.