Lemonade vs Palomar
LMND and PLMR side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LMND and PLMR compare
Palomar is the larger company, worth 1.2 times as much as Lemonade ($4.2B against $3.4B).
Lemonade grew revenue faster over the last twelve months (69.5% versus 58.4% for Palomar).
Palomar keeps more of each dollar of sales as profit, with a net margin of 17.6% compared with −13.0% at Lemonade.
Palomar pays a dividend yielding 0.28%; Lemonade does not pay one.
Palomar scores higher on the StockData Score (11 against 3 for Lemonade), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LMND | PLMR |
|---|---|---|
| Size and price | ||
| Market cap | $3.4B | $4.2B |
| Share price | $44.19 | $159.20 |
| Change, 1 year | −42.6% | 20.2% |
| Change, 5 years | −16.3% | 90.3% |
| Beta (5Y) | 2.24 | 0.67 |
| Employees | 1,282 | 439 |
| StockData Score | ||
| Total score | 3 | 11 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 2 | 4 (better) |
| Performance score | 1 | 5 (better) |
| Health score | 0 | 0 |
| Dividend score | 0 | 1 (better) |
| Valuation | ||
| P/E | – | 19.9× |
| P/S | 3.1× (better) | 3.4× |
| P/B | 7.2× | 4.3× (better) |
| P/FCF | 462× | 9.3× (better) |
| PEG | – | 0.38 |
| FCF yield | 0.22% | 10.8% (better) |
| Fair value | – | $123.30 |
| Margin of safety | – | −29.1% |
| Growth | ||
| Revenue growth (TTM) | 69.5% (better) | 58.4% |
| Revenue growth, 5Y average | 50.9% (better) | 39.1% |
| Net income growth (TTM) | – | 23.4% |
| EPS growth (TTM) | – | 24.7% |
| EPS growth, 5Y average | – | 97.3% |
| Profitability | ||
| Net margin | −13.0% | 17.6% (better) |
| FCF margin | 0.66% | 36.6% (better) |
| Return on equity | −29.3% | 23.3% (better) |
| Financial health | ||
| Altman Z-score | 0.74 | 1.25 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 0.28% |
| Buyback yield | – | 1.7% |
| Shareholder yield | 0.00% | 2.0% (better) |
| Ownership | ||
| Held by institutions | 58.3% | 92.6% |
| Held by insiders | 31.8% | 2.6% |
| Insider net buying, 12 months | −$29.9M | −$21.6M (better) |
| Short interest, % of float | 20.9% | 2.4% |
Go deeper
- LMND stock overview
- LMND income statement
- LMND valuation and score
- PLMR stock overview
- PLMR income statement
- PLMR valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.