Lemonade Inc (LMND)vsProgressive Corp (PGR)
LMND
Lemonade Inc
$51.46
-0.21%
FINANCIAL SERVICES · Cap: $4.42B
PGR
Progressive Corp
$193.46
+2.23%
FINANCIAL SERVICES · Cap: $118.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 10485% more annual revenue ($89.42B vs $844.70M). PGR leads profitability with a 12.9% profit margin vs -16.4%. PGR earns a higher WallStSmart Score of 61/100 (C+).
LMND
Avoid31
out of 100
Grade: F
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 70.6% year-over-year
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
0.0% earnings growth
ROE of -26.8% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 70.6% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : LMND
The primary concerns for LMND are EPS Growth, Return on Equity, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
LMND profiles as a hypergrowth stock while PGR is a value 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.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (61/100 vs 31/100). Both earn "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.
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.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
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