The Allstate Corporation (ALL)vsLemonade Inc (LMND)
ALL
The Allstate Corporation
$242.86
-2.79%
FINANCIAL SERVICES · Cap: $64.15B
LMND
Lemonade Inc
$47.69
-0.36%
FINANCIAL SERVICES · Cap: $3.70B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7094% more annual revenue ($70.14B vs $975.00M). ALL leads profitability with a 19.0% profit margin vs -14.2%. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
LMND
Avoid33
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 39 in profit
Earnings expanding 61.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 79.4% year-over-year
Areas to Watch
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 19.0% and operating margin at 22.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 79.4% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are 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 mature stock while LMND is a hypergrowth play — different risk/reward profiles.
LMND carries more volatility with a beta of 1.87 — expect wider price swings.
LMND is growing revenue faster at 79.4% — sustainability is the question.
ALL generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (82/100 vs 33/100), backed by strong 19.0% margins and 11.8% revenue growth. Both earn "Exceptional 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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