The Allstate Corporation (ALL)vsLemonade Inc (LMND)
ALL
The Allstate Corporation
$231.60
+4.82%
FINANCIAL SERVICES · Cap: $57.43B
LMND
Lemonade Inc
$51.46
-0.21%
FINANCIAL SERVICES · Cap: $4.42B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7971% more annual revenue ($68.17B vs $844.70M). ALL leads profitability with a 17.8% profit margin vs -16.4%. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
LMND
Avoid31
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 70.6% year-over-year
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
0.0% earnings growth
ROE of -26.8% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on P/E Ratio, Return on Equity, EPS Growth. Profitability is solid with margins at 17.8% and operating margin at 19.0%.
Bull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 70.6% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : LMND
The primary concerns for LMND are EPS Growth, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
ALL profiles as a value stock while LMND is a hypergrowth play — different risk/reward profiles.
LMND carries more volatility with a beta of 1.81 — expect wider price swings.
LMND is growing revenue faster at 70.6% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (77/100 vs 31/100), backed by strong 17.8% margins. Both earn "Strong 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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