Lemonade vs Safety Insurance
LMND and SAFT 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 SAFT compare
Lemonade is the larger company, worth 2.2 times as much as Safety Insurance ($3.4B against $1.5B).
Lemonade grew revenue faster over the last twelve months (69.5% versus 4.6% for Safety Insurance).
Safety Insurance keeps more of each dollar of sales as profit, with a net margin of 5.5% compared with −13.0% at Lemonade.
Safety Insurance pays a dividend yielding 3.5%; Lemonade does not pay one.
Safety Insurance scores higher on the StockData Score (8 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 | SAFT |
|---|---|---|
| Size and price | ||
| Market cap | $3.4B | $1.5B |
| Share price | $44.19 | $104.47 |
| Change, 1 year | −42.6% | 36.1% |
| Change, 5 years | −16.3% | 34.4% |
| Beta (5Y) | 2.24 | 0.33 |
| Employees | 1,282 | 568 |
| StockData Score | ||
| Total score | 3 | 8 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 2 | 2 |
| Performance score | 1 | 1 |
| Health score | 0 | 0 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | – | 21.9× |
| P/S | 3.1× | 1.2× (better) |
| P/B | 7.2× | 1.8× (better) |
| EV/EBITDA | – | 15.3× |
| P/FCF | 462× | 10.4× (better) |
| PEG | – | 0.76 |
| FCF yield | 0.22% | 9.6% (better) |
| Fair value | – | $77.46 |
| Margin of safety | – | −34.9% |
| Growth | ||
| Revenue growth (TTM) | 69.5% (better) | 4.6% |
| Revenue growth, 5Y average | 50.9% (better) | 8.4% |
| Net income growth (TTM) | – | −19.4% |
| EPS growth (TTM) | – | −18.8% |
| EPS growth, 5Y average | – | −6.1% |
| Profitability | ||
| Net margin | −13.0% | 5.5% (better) |
| FCF margin | 0.66% | 11.4% (better) |
| Return on equity | −29.3% | 8.0% (better) |
| Financial health | ||
| Altman Z-score | 0.74 | 1.54 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 3.5% |
| Payout ratio | – | 76.5% |
| Years of dividend growth | – | 1 |
| Dividend growth, 5Y average | – | 0.22% |
| Shareholder yield | 0.00% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 58.3% | 84.4% |
| Held by insiders | 31.8% | 12.5% |
| Insider net buying, 12 months | −$29.9M (better) | −$139M |
| Short interest, % of float | 20.9% | 3.0% |
Go deeper
- LMND stock overview
- LMND income statement
- LMND valuation and score
- SAFT stock overview
- SAFT income statement
- SAFT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.