Lemonade Inc (LMND)vsThe Travelers Companies Inc (TRV)
LMND
Lemonade Inc
$67.11
+2.50%
FINANCIAL SERVICES · Cap: $5.00B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 6517% more annual revenue ($48.83B vs $737.90M). TRV leads profitability with a 12.9% profit margin vs -22.4%. TRV earns a higher WallStSmart Score of 71/100 (B).
LMND
Avoid31
out of 100
Grade: F
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LMND.
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 53.5% year-over-year
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
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
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : LMND
The primary concerns for LMND are Price/Book, EPS Growth, Piotroski F-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
LMND profiles as a hypergrowth stock while TRV 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 31/100). 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.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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