` Comparison: DFY, PGR - Alpha Spread

DFY
vs
PGR

Over the past 12 months, DFY has significantly outperformed PGR, delivering a return of +26% compared to the PGR's 6% drop.

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

DFY Intrinsic Value
87.65 CAD
Undervaluation 16%
Intrinsic Value
Price
PGR Intrinsic Value
285.18 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Definity Financial Corp
TSX:DFY
73.82 CAD
Progressive Corp
NYSE:PGR
234.85 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
DFY, PGR

DFY
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
Definity Financial Corp
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
DFY, PGR

DFY
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
Definity Financial Corp
TSX:DFY
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

DFY
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
Definity Financial Corp
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Operating Margin

DFY
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
Definity Financial Corp
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Net Margin

DFY
10.2%
PGR
12.6%

FCF Margin

DFY
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
Definity Financial Corp
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROE

DFY
13.4%
PGR
34.2%

ROA

DFY
5.6%
PGR
9.5%

ROIC

DFY
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
Definity Financial Corp
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROCE

DFY
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
Definity Financial Corp
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
DFY, PGR

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

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

Performance By Year
DFY, PGR

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DFY
PGR
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