Lemonade vs Root
LMND and ROOT 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 ROOT compare
Lemonade is the larger company, worth 4.6 times as much as Root ($3.1B against $681M).
Lemonade grew revenue faster over the last twelve months (69.5% versus 7.9% for Root).
Root keeps more of each dollar of sales as profit, with a net margin of 5.2% compared with −13.0% at Lemonade.
Root scores higher on the StockData Score (9 against 4 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 | ROOT |
|---|---|---|
| Size and price | ||
| Market cap | $3.1B | $681M |
| Share price | $40.66 | $43.97 |
| Change, 1 year | −48.4% | −51.6% |
| Change, 5 years | −23.0% | −45.6% |
| Beta (5Y) | 2.23 | 1.85 |
| Employees | 1,282 | 1,256 |
| StockData Score | ||
| Total score | 4 | 9 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 1 | 3 (better) |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 9.3× |
| P/S | 2.8× | 0.4× (better) |
| P/B | 6.7× | 2.1× (better) |
| EV/EBITDA | – | 0.7× |
| P/FCF | 425× | – |
| FCF yield | 0.24% | – |
| Fair value | – | $47.16 |
| Margin of safety | – | 6.8% |
| Growth | ||
| Revenue growth (TTM) | 69.5% (better) | 7.9% |
| Revenue growth, 5Y average | 50.9% (better) | 34.3% |
| Net income growth (TTM) | – | 41.9% |
| EPS growth (TTM) | – | 46.7% |
| Profitability | ||
| Operating margin | – | 6.7% |
| Net margin | −13.0% | 5.2% (better) |
| FCF margin | 0.66% | – |
| Return on equity | −29.3% | 27.4% (better) |
| Financial health | ||
| Interest coverage | – | 5.9× |
| Altman Z-score | 0.64 (better) | 0.16 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 58.3% | 60.9% |
| Held by insiders | 31.8% | 40.6% |
| Insider net buying, 12 months | −$29.9M | −$3.1M (better) |
| Short interest, % of float | 20.9% | 22.0% |
Go deeper
- LMND stock overview
- LMND income statement
- LMND valuation and score
- ROOT stock overview
- ROOT income statement
- ROOT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.