` SNT (Santam Ltd) vs PGR (Progressive Corp) Comparison - Alpha Spread

S
SNT
vs
PGR

Over the past 12 months, SNT has outperformed PGR, delivering a return of +31% compared to the PGR's +25% growth.

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SNT
PGR
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

S
SNT Intrinsic Value
Not Available
PGR Intrinsic Value
311.37 USD
Undervaluation 16%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Santam Ltd
JSE:SNT
42 939 Zac
Progressive Corp
NYSE:PGR
261.66 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SNT vs PGR

SNT
PGR
Add Stock
Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
S
Santam Ltd
Revenue
Progressive Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
SNT vs PGR

SNT
PGR
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
S
Santam Ltd
JSE:SNT
FCF is not applicable for financial companies
Progressive Corp
NYSE:PGR
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

SNT
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Operating Margin

SNT
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Net Margin

SNT
7.7%
PGR
11.1%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Progressive Corp

FCF Margin

SNT
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROE

SNT
31.4%
PGR
36.8%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Progressive Corp

ROA

SNT
5.2%
PGR
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Progressive Corp

ROIC

SNT
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROCE

SNT
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santam Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
SNT vs PGR

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Performance Gap
SNT vs PGR

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SNT
PGR
Difference
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Performance By Year
SNT vs PGR

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SNT
PGR
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