Lemonade Inc (LMND)vsThe Travelers Companies Inc (TRV)
LMND
Lemonade Inc
$52.94
+2.08%
FINANCIAL SERVICES · Cap: $3.74B
TRV
The Travelers Companies Inc
$384.31
-0.44%
FINANCIAL SERVICES · Cap: $78.66B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 4923% more annual revenue ($48.98B vs $975.00M). TRV leads profitability with a 17.0% profit margin vs -14.2%. TRV earns a higher WallStSmart Score of 74/100 (B).
LMND
Avoid33
out of 100
Grade: F
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 79.4% year-over-year
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
Expensive relative to growth rate
0.3% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LMND
The strongest argument for LMND centers on Revenue Growth. Revenue growth of 79.4% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : LMND
The primary concerns for LMND are EPS Growth, Return on Equity, Free Cash Flow.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
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 1.78 — expect wider price swings.
LMND is growing revenue faster at 79.4% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (74/100 vs 33/100), backed by strong 17.0% 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.
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.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?