Hartford Financial Services Group (HIG)vsLemonade Inc (LMND)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
LMND
Lemonade Inc
$56.65
+0.01%
FINANCIAL SERVICES · Cap: $4.30B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3802% more annual revenue ($28.79B vs $737.90M). HIG leads profitability with a 14.1% profit margin vs -22.4%. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
LMND
Avoid31
out of 100
Grade: F
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Revenue surging 53.5% year-over-year
Areas to Watch
No major concerns identified
Trading at 8.1x book value
0.0% earnings growth
Weak financial health signals
ROE of -29.4% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 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 : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : LMND
The primary concerns for LMND are Price/Book, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while LMND is a hypergrowth play — different risk/reward profiles.
LMND carries more volatility with a beta of 2.04 — expect wider price swings.
LMND is growing revenue faster at 53.5% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 31/100). 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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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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