Lemonade Inc (LMND)vsW. R. Berkley Corp (WRB)
LMND
Lemonade Inc
$51.46
-0.21%
FINANCIAL SERVICES · Cap: $4.42B
WRB
W. R. Berkley Corp
$67.14
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 1658% more annual revenue ($14.85B vs $844.70M). WRB leads profitability with a 12.6% profit margin vs -16.4%. WRB earns a higher WallStSmart Score of 65/100 (C+).
LMND
Avoid31
out of 100
Grade: F
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 70.6% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
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
4.0% revenue growth
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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : LMND
The primary concerns for LMND are EPS Growth, Return on Equity, Free Cash Flow.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
LMND profiles as a hypergrowth stock while WRB 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.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (65/100 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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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