White Mountains [WTM] vs Progressive [PGR] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: White Mountains Insurance Group Ltd. wins in 12 metrics, Progressive Corporation wins in 8 metrics, with 0 ties. White Mountains Insurance Group Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | White Mountains Insurance Group Ltd. | Progressive Corporation | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 5.27 | 10.45 | White Mountains Insurance Group Ltd. |
| Price-to-Book Ratio | 1.02 | 3.75 | White Mountains Insurance Group Ltd. |
| Debt-to-Equity Ratio | 14.28 | 26.17 | White Mountains Insurance Group Ltd. |
| PEG Ratio | -0.01 | 1.06 | Progressive Corporation |
| EV/EBITDA | 3.24 | 8.33 | White Mountains Insurance Group Ltd. |
| Profit Margin (TTM) | 29.62% | 12.93% | White Mountains Insurance Group Ltd. |
| Operating Margin (TTM) | 64.32% | 16.39% | White Mountains Insurance Group Ltd. |
| EBITDA Margin (TTM) | 64.32% | 16.39% | White Mountains Insurance Group Ltd. |
| Return on Equity | 21.11% | 37.90% | Progressive Corporation |
| Return on Assets (TTM) | 8.94% | 7.94% | White Mountains Insurance Group Ltd. |
| Free Cash Flow (TTM) | $550.50M | $17.20B | Progressive Corporation |
| Dividend Yield | 0.05% | 8.67% | Progressive Corporation |
| 1-Year Return | 15.69% | -33.18% | White Mountains Insurance Group Ltd. |
| Price-to-Sales Ratio (TTM) | 1.50 | 1.34 | Progressive Corporation |
| Enterprise Value | $5.18B | $126.25B | Progressive Corporation |
| EV/Revenue Ratio | 1.39 | 1.41 | White Mountains Insurance Group Ltd. |
| Revenue per Share (TTM) | $1,474 | $153 | White Mountains Insurance Group Ltd. |
| Earnings per Share (Diluted) | $430.24 | $19.65 | White Mountains Insurance Group Ltd. |
| Beta (Stock Volatility) | 0.35 | 0.33 | Progressive Corporation |
| Short % of Float | 3.42% | 1.25% | Progressive Corporation |
White Mountains Insurance Group Ltd. vs Progressive Corporation Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| White Mountains Insurance Group Ltd. | -0.82% | -3.68% | -5.38% | -8.61% | 1.15% | 0.44% |
| Progressive Corporation | -1.71% | -0.94% | -1.17% | -7.73% | -13.92% | -7.17% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| White Mountains Insurance Group Ltd. | 15.69% | 44.52% | 80.49% | 153.06% | 408.58% | 289.04% |
| Progressive Corporation | -33.18% | 47.03% | 89.72% | 479.08% | 807.96% | 589.11% |
Performance & Financial Health Analysis: White Mountains Insurance Group Ltd. vs Progressive Corporation
| Metric | WTM | PGR |
|---|---|---|
| Market Information | ||
| Market Cap | $5.66B | $120.11B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 14,645 | 3,008,670 |
| 90 Day Avg. Volume | 17,218 | 3,010,043 |
| Last Close | $2,034.02 | $193.46 |
| 52 Week Range | $1,648.00 - $2,333.00 | $189.20 - $289.96 |
| % from 52W High | -12.82% | -33.28% |
| All-Time High | $2,333.00 (Apr 17, 2026) | $292.99 (Mar 17, 2025) |
| % from All-Time High | -12.82% | -33.97% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 3.48% | 0.09% |
| Quarterly Earnings Growth | 1.11% | 0.10% |
| Financial Health | ||
| Profit Margin (TTM) | 0.30% | 0.13% |
| Operating Margin (TTM) | 0.64% | 0.16% |
| Return on Equity (TTM) | 0.21% | 0.38% |
| Debt to Equity (MRQ) | 14.28 | 26.17 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $2,217.38 | $54.71 |
| Cash per Share (MRQ) | $848.10 | $3.64 |
| Operating Cash Flow (TTM) | $550.50M | $12.39B |
| Levered Free Cash Flow (TTM) | $1.29B | $11.31B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.05% | 8.67% |
| Last 12-Month Dividend | $1.00 | $18.40 |
Valuation & Enterprise Metrics Analysis: White Mountains Insurance Group Ltd. vs Progressive Corporation
| Metric | WTM (Apr 24, 2026) | PGR (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 5.27 | 10.45 |
| Forward P/E | 25.21 | 12.73 |
| PEG Ratio | -0.01 | 1.06 |
| Price to Sales (TTM) | 1.50 | 1.34 |
| Price to Book (MRQ) | 1.02 | 3.75 |
| Market Capitalization | ||
| Market Capitalization | $5.66B | $120.11B |
| Enterprise Value | $5.18B | $126.25B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.39 | 1.41 |
| Enterprise to EBITDA | 3.24 | 8.33 |
| Risk & Other Metrics | ||
| Beta | 0.35 | 0.33 |
| Book Value per Share (MRQ) | $2,217.38 | $54.71 |
Financial Statements Comparison: White Mountains Insurance Group Ltd. vs Progressive Corporation
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | WTM (2025) | PGR (2025) |
|---|---|---|
| Revenue/Sales | 2.89B | 87.64B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 1.33B | 14.22B |
| Pre-Tax Income % of Revenue | 46.0% | 16.2% |
| Income Tax | 126.90M | 2.92B |
| Income Tax % of Revenue | 4.4% | 3.3% |
| Net Income (Profit) | 1.20B | 11.31B |
| Profit Margin | 41.6% | 12.9% |
Balance Sheet & Liquidity Metrics
| Metric | WTM (2025) | PGR (2025) |
|---|---|---|
| Cash & Equivalents | 184.90M | 125.00M |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 837.00M | 6.90B |
| Long-Term Debt % of Revenue | 29.0% | 7.9% |
| Total Shareholders Equity | 6.26B | 30.32B |
| Retained Earnings | 4.85B | 27.33B |
| Retained Earnings % of Revenue | 167.9% | 31.2% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | WTM (2025) | PGR (2025) |
|---|---|---|
| Operating Cash Flow | 1.21B | 12.39B |
| Operating Cash Flow % of Revenue | 41.9% | 14.1% |
| Capital Expenditures | N/A | -268.00M |
| Free Cash Flow | 550.50M | 17.20B |
| FCF Margin | 19.1% | 19.6% |
| Debt Repayment | -17.50M | N/A |
| Common Stock Repurchase | -202.60M | -166.00M |
Short Interest & Institutional Ownership Analysis
| Metric | WTM | PGR |
|---|---|---|
| Shares Short | 82,241 | 7.29M |
| Short Ratio | 4.24 | 2.32 |
| Short % of Float | 3.42% | 1.25% |
| Shares Outstanding | 2.48M | 584.40M |
| Float Shares | 2.36M | 582.21M |
| % Held by Insiders | 3.05% | 0.25% |
| % Held by Institutions | 94.25% | 89.29% |
| % Held by Public | 2.70% | 10.46% |
Dividend Analysis & Yield Comparison: White Mountains Insurance Group Ltd. vs Progressive Corporation
| Metric | WTM | PGR |
|---|---|---|
| Last 12-Month Dividend | $1.00 | $18.40 |
| Last 12-Month Dividend Yield | 0.05% | 8.67% |
| 3-Year Avg Annual Dividend | $1.00 | $6.62 |
| 3-Year Avg Dividend Yield | 0.05% | 0.71% |
| 3-Year Total Dividends | $3.00 | $19.85 |
| Ex-Dividend Date | Mar 16, 2026 | Jan 02, 2026 |