` Comparison: U13 vs PGR - Alpha Spread
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U
U13
vs
PGR

Over the past 12 months, U13 has significantly outperformed PGR, delivering a return of +10% compared to the PGR's 24% drop.

Valuation Growth Profitability Solvency Stocks Performance
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U13
PGR
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Stocks Compared:
U13 PGR
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Valuation Comparison

U
U13 Intrinsic Value
4.72 SGD
Overvaluation 43%
Intrinsic Value
Price S$8.25
PGR Intrinsic Value
252.81 USD
Undervaluation 23%
Intrinsic Value
Price $195.25
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
U
United Overseas Insurance Ltd
SGX:U13
8.25 SGD
Progressive Corp
NYSE:PGR
195.25 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
U13, PGR

U13
PGR
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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
U
United Overseas Insurance Ltd
Revenue
Progressive Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
U13, PGR

U13
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
U
United Overseas Insurance Ltd
SGX:U13
FCF is not applicable for financial companies
Progressive Corp
NYSE:PGR
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

U13
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
U
United Overseas Insurance Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Operating Margin

U13
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
U
United Overseas Insurance Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Net Margin

U13
28.5%
PGR
12.9%

FCF Margin

U13
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
U
United Overseas Insurance Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROE

U13
6.5%
PGR
40.4%

ROA

U13
5.1%
PGR
9.9%

ROIC

U13
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
U
United Overseas Insurance Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROCE

U13
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
U
United Overseas Insurance Ltd
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Solvency Comparison

U
United Overseas Insurance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Progressive Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
U13, PGR

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U13
PGR
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
U13, PGR

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U13
PGR
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
U13, PGR

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U13
PGR
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