Hartford Financial Services Group (HIG)vsLemonade Inc (LMND)
HIG
Hartford Financial Services Group
$133.99
-2.26%
FINANCIAL SERVICES · Cap: $34.77B
LMND
Lemonade Inc
$39.55
-4.65%
FINANCIAL SERVICES · Cap: $3.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2934% more annual revenue ($29.59B vs $975.00M). HIG leads profitability with a 15.6% profit margin vs -14.2%. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
LMND
Avoid33
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 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Revenue surging 79.4% year-over-year
Areas to Watch
3.9% revenue growth
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 : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. 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 79.4% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : LMND
The primary concerns for LMND are EPS Growth, Return on Equity, Free Cash Flow.
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 1.87 — expect wider price swings.
LMND is growing revenue faster at 79.4% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 33/100), backed by strong 15.6% margins. 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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