Lemonade Inc (LMND)vsProgressive Corp (PGR)
LMND
Lemonade Inc
$67.11
+2.50%
FINANCIAL SERVICES · Cap: $5.00B
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 11777% more annual revenue ($87.64B vs $737.90M). PGR leads profitability with a 12.9% profit margin vs -22.4%. PGR earns a higher WallStSmart Score of 67/100 (B-).
LMND
Avoid31
out of 100
Grade: F
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LMND.
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 53.5% year-over-year
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Areas to Watch
Trading at 9.5x book value
0.0% earnings growth
Weak financial health signals
ROE of -29.4% — below average capital efficiency
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 53.5% demonstrates continued momentum.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : LMND
The primary concerns for LMND are Price/Book, EPS Growth, Piotroski F-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
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 2.22 — expect wider price swings.
LMND is growing revenue faster at 53.5% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (67/100 vs 31/100) and 12.2% revenue growth. 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.
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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