PGR vs UMBF
Progressive Corporation vs UMB Financial Corp. — AI-powered side-by-side comparison
PGR
Progressive Corporation
54
Watch
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | PGR | UMBF |
|---|
| AI Score |
54
|
68
|
| Price |
$221.38
|
$143.46
|
| P/E Ratio |
11.21×
|
11.92×
|
| ROE |
37.3%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
26.9%
|
58.5%
|
| Debt / Equity |
0.24×
|
0.44×
|
| Dividend Yield |
6.2%
|
1.2%
|
| RSI (14) |
70.1
|
33.4
|
| Beta |
0.257
|
0.788
|
| Expected Upside |
+5.9%
|
—
|
AI Committee View
Current Innellis committee reasoning for PGR versus UMBF.
UMBF leads by 14 points.
UMBF scores 68/100 (Buy) versus PGR at 54/100 (Watch).
PGR Committee View
50% agreement
4 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
UMBF Committee View
100% agreement
5 analysts
The primary driver is p/e of 12.1 is inexpensive for the broad market. The main limiting factor is sector concentration is already high (hhi 3063.01). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.1 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 72.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical