Compare Stocks › AMZN vs PGR
Amazon.com, Inc. (AMZN) vs The Progressive Corporation (PGR): Which Is the Better Buy in 2026?
As of 2026-11-02, AMZN is overvalued at $240, with a DCF intrinsic value of $95 and a margin of safety of -152%. PGR is fairly valued at $231, with an intrinsic value of $288 and a margin of safety of 20%. Of the two, PGR has the wider margin of safety.
AMZN
Amazon.com, Inc.
$240.35
VS
PGR
The Progressive Corporation
$231.28
Rewards
AMZN
- ★Each dollar of retained earnings has created $5.34 of earning power — management is an exceptional capital allocator.
- ★Trailing P/E of 19.4x is 52% below the historical average of 40.6x — potentially undervalued relative to its own history.
- ★Altman Z-Score of 5.30 indicates very low bankruptcy risk — the company is firmly in the safe zone.
PGR
- ★The Progressive Corporation scores 99/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Free cash flow has grown at a 37.9% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $5.91 of earning power — management is an exceptional capital allocator.
Risks
AMZN
- ⚠9 insider sales totaling $18.3M with no purchases in the past 3 months — insiders are reducing their exposure.
PGR
- ⚠Gross margin of 17.3% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Despite buyback spending, shares outstanding increased in 4 out of 4 years — stock-based compensation is offsetting repurchases.
- ⚠PEG ratio of 70.60 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →AMZN
PGR
Valuation
$-11.14B
Free Cash Flow
N/A
-0.43%
FCF Yield
N/A
19.43
Trailing P/E
11.65
22.39
Forward P/E
14.19
Quality & Moat
9.89%
ROIC
24.22%
27.42%
ROE
33.24%
51.37%
Gross Margin
17.28%
1.39
PEG Ratio
70.60
Balance Sheet Safety
0.26
Net Debt / Equity
0.18
N/A
Interest Coverage
N/A
0.86
Net Debt / EBITDA
0.41
0.00%
Dividend Yield
0.17%
AMZN: 2Ties: 1PGR: 7
AMZNPGR
Historical Fundamentals
Learn more →AMZN
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
PGR
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
$1 Retained Earnings Test
Learn more →AMZN
$9.66
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$167.34B
Δ Market Cap
+$1.62T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
PGR
$2.90
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$19.86B
Δ Market Cap
+$57.60B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AMZN
152.0% Overvalued
Price is 152.0% above estimated fair value
Current Price: $240.35
Strongly undervalued
Strongly overvalued
Fair Value: $95.38
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PGR
19.7% Margin of Safety
Price is 19.7% below estimated fair value
Current Price: $231.28
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $287.92
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AMZN
Requires positive FCF to compute implied growth rate.
PGR
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →AMZN
51/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
PGR
99/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →AMZN
-2.58
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
PGR
-2.65
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AMZN
Insiders 8.8%Institutions 68.8%Retail & Other 22.4%
No. of Institutional Holders7,922
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
PGR
Insiders 0.2%Institutions 90.1%Retail & Other 9.6%
No. of Institutional Holders2,487
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AMZN
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
PGR
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AMZN
9
Sells (3M)
46
Sells (12M)
Total value (12M): $454.87M
HERRINGTON DOUGLAS J
Officer
$251,500
@ $251.50 · 2026-10-01
HERRINGTON DOUGLAS J
Officer
$254,770
@ $254.77 · 2026-09-01
ZAPOLSKY DAVID A.
Officer
$4.00M
@ $259.52 · 2026-08-24
HERRINGTON DOUGLAS J
Officer
$1.65M
@ $259.01 · 2026-08-21
GARMAN MATTHEW S
Officer
$3.77M
@ $259.06 · 2026-08-21
REYNOLDS SHELLEY L
Officer
$606,854
@ $259.01 · 2026-08-21
OLSAVSKY BRIAN T.
Chief Financial Officer
$1.61M
@ $260.31 · 2026-08-21
JASSY ANDREW R.
Chief Executive Officer
$5.18M
@ $259.01 · 2026-08-21
HERRINGTON DOUGLAS J
Officer
$982,993
@ $262.76 · 2026-08-17
HERRINGTON DOUGLAS J
Officer
$278,390
@ $278.39 · 2026-08-03
BEZOS JEFFREY P
Officer and Director
$346.45M
@ $286.41 · 2026-08-03
HERRINGTON DOUGLAS J
Officer
$239,770
@ $239.77 · 2026-07-01
HERRINGTON DOUGLAS J
Officer
$266,190
@ $266.19 · 2026-06-01
ZAPOLSKY DAVID A.
Officer
$4.12M
@ $266.49 · 2026-05-22
HERRINGTON DOUGLAS J
Officer
$1.67M
@ $262.39 · 2026-05-21
GARMAN MATTHEW S
Officer
$4.07M
@ $263.40 · 2026-05-21
REYNOLDS SHELLEY L
Officer
$620,003
@ $262.38 · 2026-05-21
JASSY ANDREW R.
Chief Executive Officer
$5.27M
@ $263.42 · 2026-05-21
HERRINGTON DOUGLAS J
Officer
$982,602
@ $262.59 · 2026-05-15
GARMAN MATTHEW S
Officer
$3.01M
@ $262.66 · 2026-05-15
HERRINGTON DOUGLAS J
Officer
$7.83M
@ $274.67 · 2026-05-04
JASSY ANDREW R.
Chief Executive Officer
$8.62M
@ $275.00 · 2026-05-04
RUBINSTEIN JONATHAN J
Director
$1.01M
@ $273.02 · 2026-04-30
RUBINSTEIN JONATHAN J
Director
$1.00M
@ $260.00 · 2026-04-24
JASSY ANDREW R.
Chief Executive Officer
$7.91M
@ $255.00 · 2026-04-17
HERRINGTON DOUGLAS J
Officer
$5.02M
@ $245.00 · 2026-04-14
HERRINGTON DOUGLAS J
Officer
$210,500
@ $210.50 · 2026-04-01
HERRINGTON DOUGLAS J
Officer
$204,250
@ $204.25 · 2026-03-02
ZAPOLSKY DAVID A.
Officer
$3.65M
@ $205.40 · 2026-02-24
HERRINGTON DOUGLAS J
Officer
$1.41M
@ $205.82 · 2026-02-23
GARMAN MATTHEW S
Officer
$3.64M
@ $205.22 · 2026-02-23
REYNOLDS SHELLEY L
Officer
$554,892
@ $205.90 · 2026-02-23
JASSY ANDREW R.
Chief Executive Officer
$4.08M
@ $205.18 · 2026-02-23
HERRINGTON DOUGLAS J
Officer
$948,990
@ $198.37 · 2026-02-17
ALEXANDER KEITH BRIAN
Director
$183,492
@ $203.88 · 2026-02-12
HERRINGTON DOUGLAS J
Officer
$208,000
@ $208.00 · 2026-02-11
HERRINGTON DOUGLAS J
Officer
$583,050
@ $233.22 · 2025-12-01
ZAPOLSKY DAVID A.
Officer
$4.56M
@ $220.58 · 2025-11-24
HERRINGTON DOUGLAS J
Officer
$1.48M
@ $216.40 · 2025-11-21
GARMAN MATTHEW S
Officer
$3.85M
@ $216.90 · 2025-11-21
REYNOLDS SHELLEY L
Officer
$583,222
@ $216.41 · 2025-11-21
JASSY ANDREW R.
Chief Executive Officer
$4.31M
@ $216.94 · 2025-11-21
HUTTENLOCHER DANIEL P
Director
$280,317
@ $226.61 · 2025-11-20
HERRINGTON DOUGLAS J
Officer
$1.11M
@ $232.71 · 2025-11-17
ALEXANDER KEITH BRIAN
Director
$209,700
@ $233.00 · 2025-11-17
HERRINGTON DOUGLAS J
Officer
$6.14M
@ $250.58 · 2025-11-03
RUBINSTEIN JONATHAN J
Director
$2.04M
@ $250.03 · 2025-10-31
HERRINGTON DOUGLAS J
Officer
$542,750
@ $217.10 · 2025-10-01
HERRINGTON DOUGLAS J
Officer
$558,725
@ $223.49 · 2025-09-02
ZAPOLSKY DAVID A.
Officer
$4.60M
@ $222.34 · 2025-08-22
HERRINGTON DOUGLAS J
Officer
$1.51M
@ $221.62 · 2025-08-21
GARMAN MATTHEW S
Officer
$3.94M
@ $221.57 · 2025-08-21
REYNOLDS SHELLEY L
Officer
$601,755
@ $221.64 · 2025-08-21
OLSAVSKY BRIAN T.
Chief Financial Officer
$3.95M
@ $222.74 · 2025-08-21
JASSY ANDREW R.
Chief Executive Officer
$4.40M
@ $221.58 · 2025-08-21
HERRINGTON DOUGLAS J
Officer
$1.11M
@ $232.32 · 2025-08-15
HERRINGTON DOUGLAS J
Officer
$542,500
@ $217.00 · 2025-08-01
BEZOS JEFFREY P
Officer and Director
$954.28M
@ $229.72 · 2025-07-24
BEZOS JEFFREY P
Officer and Director
$1.51B
@ $228.34 · 2025-07-22
BEZOS JEFFREY P
Officer and Director
$166.45M
@ $227.02 · 2025-07-15
BEZOS JEFFREY P
Officer and Director
$1.51B
@ $225.21 · 2025-07-14
BEZOS JEFFREY P
Officer and Director
$108.68M
@ $223.99 · 2025-07-09
BEZOS JEFFREY P
Officer and Director
$665.86M
@ $223.86 · 2025-07-07
HERRINGTON DOUGLAS J
Officer
$550,144
@ $220.06 · 2025-07-01
BEZOS JEFFREY P
Officer and Director
$736.68M
@ $221.56 · 2025-06-30
HERRINGTON DOUGLAS J
Officer
$512,450
@ $204.98 · 2025-06-02
ZAPOLSKY DAVID A.
Officer
$4.18M
@ $202.00 · 2025-05-22
HERRINGTON DOUGLAS J
Chief Executive Officer
$1.37M
@ $200.77 · 2025-05-21
GARMAN MATTHEW S
Chief Executive Officer
$4.21M
@ $201.30 · 2025-05-21
REYNOLDS SHELLEY L
Officer
$541,129
@ $200.79 · 2025-05-21
OLSAVSKY BRIAN T.
Chief Financial Officer
$3.58M
@ $201.57 · 2025-05-21
JASSY ANDREW R.
Chief Executive Officer
$4.00M
@ $201.30 · 2025-05-21
HERRINGTON DOUGLAS J
Chief Executive Officer
$980,971
@ $205.05 · 2025-05-15
ALEXANDER KEITH BRIAN
Director
$210,680
@ $210.68 · 2025-05-12
HERRINGTON DOUGLAS J
Officer
$476,675
@ $190.67 · 2025-05-01
HERRINGTON DOUGLAS J
Officer
$469,975
@ $187.99 · 2025-04-01
HERRINGTON DOUGLAS J
Chief Executive Officer
$532,925
@ $213.17 · 2025-03-03
ZAPOLSKY DAVID A.
Officer
$5.47M
@ $218.25 · 2025-02-24
HERRINGTON DOUGLAS J
Officer
$1.36M
@ $222.47 · 2025-02-21
GARMAN MATTHEW S
Officer
$3.36M
@ $220.69 · 2025-02-21
REYNOLDS SHELLEY L
Officer
$1.97M
@ $222.47 · 2025-02-21
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PGR
5
Sells (3M)
27
Sells (12M)
Total value (12M): $31.30M
BROZ STEVEN
Chief Technology Officer
$273,567
@ $223.32 · 2026-10-22
BROZ STEVEN
Chief Technology Officer
$250,255
@ $204.29 · 2026-09-24
GRIFFITH SUSAN PATRICIA
Chief Executive Officer
$8.20M
@ $219.50 · 2026-09-01
BROZ STEVEN
Chief Technology Officer
$268,765
@ $219.40 · 2026-08-20
NIEDERST LORI A
Officer
$1.54M
@ $209.29 · 2026-08-13
QUIGG ANDREW J
Chief Financial Officer
$769,780
@ $220.00 · 2026-07-28
MURPHY JOHN JOSEPH
Officer
$1.73M
@ $212.70 · 2026-07-27
GRIFFITH SUSAN PATRICIA
Chief Executive Officer
$7.94M
@ $212.71 · 2026-07-27
BAUER JONATHAN S
Chief Investment Officer
$476,896
@ $212.71 · 2026-07-27
BAILO KAREN
Officer
$1.80M
@ $212.71 · 2026-07-27
BROZ STEVEN
Chief Technology Officer
$237,177
@ $205.17 · 2026-07-23
KELLY JEFFREY D
Director
$1.51M
@ $216.33 · 2026-06-24
BROZ STEVEN
Chief Technology Officer
$236,907
@ $204.76 · 2026-06-22
MURPHY JOHN JOSEPH
Officer
$1.18M
@ $200.00 · 2026-06-05
BROZ STEVEN
Chief Technology Officer
$231,400
@ $200.00 · 2026-06-05
JOHNSON DEVIN C
Director
$199,038
@ $203.10 · 2026-04-16
JOYCE CARL G.
Officer
$55,754
@ $206.50 · 2026-03-20
JOYCE CARL G.
Officer
$29,892
@ $212.00 · 2026-03-05
BAILO KAREN
Officer
$745,604
@ $212.00 · 2026-03-05
PUMAREJO MARIBEL
Officer
$150,138
@ $203.44 · 2026-02-24
BAUER JONATHAN S
Chief Investment Officer
$460,111
@ $203.05 · 2026-02-23
QUIGG ANDREW J
Officer
$336,973
@ $204.35 · 2026-01-21
BAUER JONATHAN S
Chief Investment Officer
$634,507
@ $204.35 · 2026-01-21
BROZ STEVEN
Chief Technology Officer
$302,131
@ $224.80 · 2025-12-19
SAUERLAND JOHN PETER
Chief Financial Officer
$1.14M
@ $228.48 · 2025-11-28
BROZ STEVEN
Chief Technology Officer
$307,050
@ $228.29 · 2025-11-21
BROZ STEVEN
Chief Technology Officer
$295,900
@ $220.00 · 2025-11-11
MURPHY JOHN JOSEPH
Officer
$536,978
@ $242.10 · 2025-09-19
CALLAHAN PATRICK KEVIN
Officer
$1.56M
@ $242.22 · 2025-09-19
BROZ STEVEN
Chief Technology Officer
$325,624
@ $242.10 · 2025-09-19
GRIFFITH SUSAN PATRICIA
Chief Executive Officer
$7.54M
@ $246.06 · 2025-09-02
MURPHY JOHN JOSEPH
Officer
$556,230
@ $250.78 · 2025-08-22
CALLAHAN PATRICK KEVIN
Officer
$1.56M
@ $249.96 · 2025-08-22
BROZ STEVEN
Chief Technology Officer
$337,299
@ $250.78 · 2025-08-22
NIEDERST LORI A
Officer
$2.02M
@ $250.18 · 2025-08-14
MURPHY JOHN JOSEPH
President
$552,814
@ $249.24 · 2025-07-28
SAUERLAND JOHN PETER
Chief Financial Officer
$4.15M
@ $249.24 · 2025-07-28
CALLAHAN PATRICK KEVIN
Officer
$1.51M
@ $242.16 · 2025-07-28
GRIFFITH SUSAN PATRICIA
Chief Executive Officer
$7.42M
@ $242.12 · 2025-07-28
QUIGG ANDREW J
Officer
$795,325
@ $249.24 · 2025-07-28
BAUER JONATHAN S
Chief Investment Officer
$595,933
@ $249.24 · 2025-07-28
BAILO KAREN
Officer
$2.22M
@ $249.24 · 2025-07-28
BROZ STEVEN
Chief Technology Officer
$313,633
@ $247.54 · 2025-07-18
SAUERLAND JOHN PETER
Chief Financial Officer
$2.64M
@ $263.79 · 2025-06-30
MURPHY JOHN JOSEPH
Officer
$1.04M
@ $260.38 · 2025-06-20
BROZ STEVEN
Chief Technology Officer
$329,901
@ $260.38 · 2025-06-20
BURGDOERFER STUART B
Director
$958,643
@ $260.43 · 2025-06-20
SAUERLAND JOHN PETER
Chief Financial Officer
$2.75M
@ $275.37 · 2025-05-28
BROZ STEVEN
Chief Technology Officer
$351,985
@ $277.81 · 2025-05-23
VAN DYKE KAHINA
Director
$691,398
@ $277.67 · 2025-05-22
SAUERLAND JOHN PETER
Chief Financial Officer
$2.69M
@ $268.59 · 2025-04-28
SAUERLAND JOHN PETER
Chief Financial Officer
$2.76M
@ $275.94 · 2025-03-28
JOHNSON DEVIN C
Director
$110,016
@ $275.04 · 2025-03-25
JOYCE CARL G.
Officer
$99,420
@ $276.17 · 2025-03-21
SAUERLAND JOHN PETER
Chief Financial Officer
$435,862
@ $282.66 · 2025-03-17
BAUER JONATHAN S
Chief Investment Officer
$479,391
@ $282.66 · 2025-03-17
CALLAHAN PATRICK KEVIN
Officer
$1.31M
@ $279.70 · 2025-03-06
BAUER JONATHAN S
Chief Investment Officer
$344,787
@ $281.00 · 2025-03-06
SAUERLAND JOHN PETER
Chief Financial Officer
$2.80M
@ $279.94 · 2025-02-28
NIEDERST LORI A
Officer
$952,416
@ $247.06 · 2025-01-30
KELLY JEFFREY D
Director
$2.50M
@ $250.00 · 2025-01-29
SAUERLAND JOHN PETER
Chief Financial Officer
$2.47M
@ $246.69 · 2025-01-28
MURPHY JOHN JOSEPH
Officer
$553,485
@ $243.29 · 2025-01-22
GRIFFITH SUSAN PATRICIA
Chief Executive Officer
$2.68M
@ $243.29 · 2025-01-22
QUIGG ANDREW J
Officer
$234,045
@ $243.29 · 2025-01-22
MARSHALL MARIANN WOJTKUN
Officer
$142,325
@ $243.29 · 2025-01-22
BAILO KAREN
Officer
$515,775
@ $243.29 · 2025-01-22
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AMZN
😐Neutral(44/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
PGR
😏Greed(67/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AMZN
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (44)
PGR
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (67)
Frequently Asked Questions: AMZN vs PGR
Is Amazon.com, Inc. or The Progressive Corporation more undervalued in 2026?▼
Based on our discounted cash flow model, PGR trades at a 19.7% margin of safety (intrinsic value $288 vs. price $231), compared to AMZN's -152.0% margin of safety (intrinsic $95 vs. $240).
Which stock has a wider economic moat, Amazon.com, Inc. or The Progressive Corporation?▼
PGR scores 99/100 (Wide moat), while AMZN scores 51/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.
Is The Progressive Corporation in financial distress?▼
PGR's Altman Z-Score of 1.9 places it in the Grey zone, signaling elevated bankruptcy risk. AMZN scores 5.3 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.
Which stock has higher return on invested capital, Amazon.com, Inc. or The Progressive Corporation?▼
PGR earns 24.2% ROIC versus AMZN's 9.9%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.