Lemonade Inc (LMND)vsW. R. Berkley Corp (WRB)
LMND
Lemonade Inc
$67.11
+2.50%
FINANCIAL SERVICES · Cap: $5.00B
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 1893% more annual revenue ($14.71B vs $737.90M). WRB leads profitability with a 12.1% profit margin vs -22.4%. WRB earns a higher WallStSmart Score of 55/100 (C-).
LMND
Avoid31
out of 100
Grade: F
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LMND.
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 53.5% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
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
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : LMND
The primary concerns for LMND are Price/Book, EPS Growth, Piotroski F-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
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 2.22 — expect wider price swings.
LMND is growing revenue faster at 53.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 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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