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BMO vs PGR

BMO
Bank of Montreal
NEUTRAL
Price
$137.69
Market Cap
$98.97B
Sector
Financial Services
AI Confidence
72%
PGR
The Progressive Corporation
BULLISH
Price
$193.45
Market Cap
$113.34B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BMO
16.77
PGR
10.06
Forward P/E
BMO
12.28
PGR
12.0
P/B Ratio
BMO
1.56
PGR
3.74
P/S Ratio
BMO
3.03
PGR
1.29
EV/EBITDA
BMO
--
PGR
7.64

Profitability

Gross Margin
BMO
0.0%
PGR
18.55%
Operating Margin
BMO
38.67%
PGR
16.5%
Profit Margin
BMO
26.67%
PGR
12.9%
ROE
BMO
10.12%
PGR
40.45%
ROA
BMO
0.6%
PGR
7.92%

Growth

Revenue Growth
BMO
15.5%
PGR
12.2%
Earnings Growth
BMO
1.1%
PGR
25.2%

Financial Health

Debt/Equity
BMO
--
PGR
0.23
Current Ratio
BMO
--
PGR
0.36
Quick Ratio
BMO
--
PGR
0.3

Dividends

Dividend Yield
BMO
3.45%
PGR
7.01%
Payout Ratio
BMO
56.29%
PGR
72.28%

AI Verdict

BMO NEUTRAL

The Advanced Deterministic Scorecard shows a weak Piotroski F-Score of 4/9, indicating marginal financial health, and the absence of an Altman Z-Score prevents a full solvency risk assessment. Despite solid profitability metrics like a 38.67% operating margin and strong revenue growth of 15.50%, earnings growth is inconsistent, with recent Q/Q declines and volatile quarterly surprises. The stock trades above its Graham defensive value of $127.87 at $137.69, yet below the analyst target of $127.91, while offering a solid 3.45% dividend yield with a sustainable 56.29% payout ratio. Technical trend sentiment is weak at 10/100, offsetting positive insider sentiment, resulting in a neutral overall stance.

Strengths
Strong operating margin of 38.67% indicates efficient cost management
Revenue growth of 15.50% YoY outpaces sector average of 34.80% despite macro headwinds
Dividend yield of 3.45% is attractive with a reasonable payout ratio of 56.29%
Risks
Low Piotroski F-Score of 4/9 signals weak financial health and potential balance sheet inefficiencies
Missing Altman Z-Score creates uncertainty around bankruptcy risk and capital structure stability
Earnings growth is inconsistent, with YoY growth at +56.3% but Q/Q EPS down -8.0% and recent negative surprises
PGR BULLISH

PGR shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 10.1
Low debt with D/E ratio of 0.23
Strong ROE of 40.4%
Risks
Limited historical data available for full assessment

Compare Another Pair

BMO vs PGR: Head-to-Head Comparison

This page compares Bank of Montreal (BMO) and The Progressive Corporation (PGR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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