The Allstate Corporation (ALL)vsLemonade Inc (LMND)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
LMND
Lemonade Inc
$67.11
+2.50%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 9073% more annual revenue ($67.68B vs $737.90M). ALL leads profitability with a 15.2% profit margin vs -22.4%. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
LMND
Avoid31
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Intrinsic value data unavailable for LMND.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Earnings expanding 103.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Revenue surging 53.5% year-over-year
Areas to Watch
No major concerns identified
Trading at 9.5x book value
0.0% earnings growth
Weak financial health signals
ROE of -29.4% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.2% and operating margin at 29.0%. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 53.5% demonstrates continued momentum.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : LMND
The primary concerns for LMND are Price/Book, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while LMND is a hypergrowth play — different risk/reward profiles.
LMND carries more volatility with a beta of 2.22 — expect wider price swings.
LMND is growing revenue faster at 53.5% — sustainability is the question.
ALL generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (87/100 vs 31/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Lemonade Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Lemonade, Inc. offers various insurance products in the United States and Europe. The company is headquartered in New York, New York.
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