Lemonade [LMND] vs Selective Insurance [SIGI] Detailed Stock Comparison
Lemonade
NYSE
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Selective Insurance
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Lemonade wins in 3 metrics, Selective Insurance wins in 14 metrics, with 0 ties. Selective Insurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Lemonade | Selective Insurance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -18.39 | 13.27 | Lemonade |
| Price-to-Book Ratio | 7.50 | 1.55 | Selective Insurance |
| Debt-to-Equity Ratio | 27.26 | 26.79 | Selective Insurance |
| PEG Ratio | 0.71 | -0.06 | Selective Insurance |
| EV/EBITDA | -20.89 | 9.23 | Lemonade |
| Profit Margin (TTM) | -33.96% | 7.50% | Selective Insurance |
| Operating Margin (TTM) | -23.52% | 9.21% | Selective Insurance |
| EBITDA Margin (TTM) | N/A | 9.21% | N/A |
| Return on Equity | -35.10% | 12.20% | Selective Insurance |
| Return on Assets (TTM) | -6.72% | 2.56% | Selective Insurance |
| Free Cash Flow (TTM) | $-20.80M | $1.07B | Selective Insurance |
| Dividend Yield | N/A | 2.41% | N/A |
| 1-Year Return | 214.02% | -13.38% | Lemonade |
| Price-to-Sales Ratio (TTM) | 6.58 | 0.96 | Selective Insurance |
| Enterprise Value | $3.70B | $5.40B | Selective Insurance |
| EV/Revenue Ratio | 6.16 | 1.06 | Selective Insurance |
| Revenue per Share (TTM) | $8 | $84 | Selective Insurance |
| Earnings per Share (Diluted) | $-2.93 | $6.07 | Selective Insurance |
| Beta (Stock Volatility) | 2.28 | 0.43 | Selective Insurance |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Lemonade vs Selective Insurance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Lemonade | 1.70% | -1.91% | 1.22% | 20.04% | 65.85% | 44.02% |
| Selective Insurance | 1.12% | 3.11% | 3.57% | -6.75% | -11.61% | -11.80% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Lemonade | 214.02% | 140.74% | -22.71% | -24.49% | -24.49% | -24.49% |
| Selective Insurance | -13.38% | -3.58% | 51.39% | 140.40% | 384.10% | 229.07% |
News Based Sentiment: Lemonade vs Selective Insurance
Lemonade
News based Sentiment: MIXED
Lemonade experienced a month of conflicting signals. While revenue growth exceeded expectations and strategic moves like reducing reinsurance are positive, the company continues to struggle with profitability and faces mixed analyst sentiment, creating a complex investment picture. The stock's volatility further underscores the risk-reward dynamic.
Selective Insurance
News based Sentiment: MIXED
The month presented a mixed bag for Selective Insurance. Positive developments like increased investment income guidance and continued dividend growth were overshadowed by a significant revenue miss in Q2 and concerning technical signals. This creates uncertainty about the company's near-term performance and warrants a cautious outlook.
Performance & Financial Health Analysis: Lemonade vs Selective Insurance
| Metric | LMND | SIGI |
|---|---|---|
| Market Information | ||
| Market Cap | $3.87B | $4.96B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 2,777,650 | 530,944 |
| 90 Day Avg. Volume | 2,302,527 | 520,788 |
| Last Close | $53.30 | $82.19 |
| 52 Week Range | $15.27 - $62.00 | $71.75 - $103.56 |
| % from 52W High | -14.03% | -20.64% |
| All-Time High | $188.30 (Jan 11, 2021) | $109.58 (Mar 25, 2024) |
| % from All-Time High | -71.69% | -25.00% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.35% | 0.11% |
| Quarterly Earnings Growth | 0.35% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | -0.34% | 0.08% |
| Operating Margin (TTM) | -0.24% | 0.09% |
| Return on Equity (TTM) | -0.35% | 0.12% |
| Debt to Equity (MRQ) | 27.26 | 26.79 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $7.14 | $52.09 |
| Cash per Share (MRQ) | $5.40 | $8.74 |
| Operating Cash Flow (TTM) | $-11,600,000 | $1.17B |
| Levered Free Cash Flow (TTM) | $65.96M | $1.04B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 2.41% |
| Last 12-Month Dividend | N/A | $1.87 |
Valuation & Enterprise Metrics Analysis: Lemonade vs Selective Insurance
| Metric | LMND | SIGI |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -18.39 | 13.27 |
| Forward P/E | -21.33 | 10.34 |
| PEG Ratio | 0.71 | -0.06 |
| Price to Sales (TTM) | 6.58 | 0.96 |
| Price to Book (MRQ) | 7.50 | 1.55 |
| Market Capitalization | ||
| Market Capitalization | $3.87B | $4.96B |
| Enterprise Value | $3.70B | $5.40B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.16 | 1.06 |
| Enterprise to EBITDA | -20.89 | 9.23 |
| Risk & Other Metrics | ||
| Beta | 2.28 | 0.43 |
| Book Value per Share (MRQ) | $7.14 | $52.09 |
Financial Statements Comparison: Lemonade vs Selective Insurance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | LMND | SIGI |
|---|---|---|
| Revenue/Sales | $164.10M | $1.33B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $-42.60M | $108.91M |
| Income Tax | $1.30M | $22.96M |
| Net Income (Profit) | $-43.90M | $85.94M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | LMND | SIGI |
|---|---|---|
| Cash & Equivalents | $309.20M | $124,000 |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $123.70M | $903.23M |
| Total Shareholders Equity | $545.50M | $3.26B |
| Retained Earnings | $-1.36B | $3.22B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | LMND | SIGI |
|---|---|---|
| Operating Cash Flow | $-77.00M | $67.40M |
| Capital Expenditures | $-2.30M | $-13.01M |
| Free Cash Flow | $-49.50M | $270.97M |
| Debt Repayment | $-11.50M | $-701,000 |
| Common Stock Repurchase | N/A | $-25.20M |
Short Interest & Institutional Ownership Analysis
| Metric | LMND | SIGI |
|---|---|---|
| Shares Short | 17.04M | 1.40M |
| Short Ratio | 8.17 | 2.71 |
| Short % of Float | 0.30% | 0.03% |
| Average Daily Volume (10 Day) | 2,777,650 | 530,944 |
| Average Daily Volume (90 Day) | 2,302,527 | 520,788 |
| Shares Outstanding | 72.72M | 60.85M |
| Float Shares | 62.09M | 60.23M |
| % Held by Insiders | 0.18% | 0.01% |
| % Held by Institutions | 0.54% | 0.88% |
Dividend Analysis & Yield Comparison: Lemonade vs Selective Insurance
| Metric | LMND | SIGI |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.87 |
| Last 12-Month Dividend Yield | N/A | 2.41% |
| 3-Year Avg Annual Dividend | N/A | $1.47 |
| 3-Year Avg Dividend Yield | N/A | 0.37% |
| 3-Year Total Dividends | N/A | $4.40 |
| Ex-Dividend Date | N/A | Aug 15, 2025 |