Lemonade [LMND] vs Hanover Insurance [THG] Detailed Stock Comparison

Lemonade Inc.

NYSE
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Hanover Insurance Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Lemonade Inc. wins in 1 metrics, Hanover Insurance Group, Inc. wins in 17 metrics, with 0 ties. Hanover Insurance Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Lemonade Inc. Hanover Insurance Group, Inc. Better
P/E Ratio (TTM) -29.53 10.04 Hanover Insurance Group, Inc.
Price-to-Book Ratio 9.46 1.80 Hanover Insurance Group, Inc.
Debt-to-Equity Ratio 34.13 34.11 Hanover Insurance Group, Inc.
PEG Ratio -184.72 0.46 Hanover Insurance Group, Inc.
EV/EBITDA -40.02 7.30 Hanover Insurance Group, Inc.
Profit Margin (TTM) -22.43% 10.05% Hanover Insurance Group, Inc.
Operating Margin (TTM) -3.50% 16.29% Hanover Insurance Group, Inc.
EBITDA Margin (TTM) N/A 16.29% N/A
Return on Equity -29.37% 20.60% Hanover Insurance Group, Inc.
Return on Assets (TTM) -4.53% 3.44% Hanover Insurance Group, Inc.
Free Cash Flow (TTM) $-25.90M $1.17B Hanover Insurance Group, Inc.
Dividend Yield N/A 2.13% N/A
1-Year Return 73.13% 5.81% Lemonade Inc.
Price-to-Sales Ratio (TTM) 6.88 0.97 Hanover Insurance Group, Inc.
Enterprise Value $4.86B $6.49B Hanover Insurance Group, Inc.
EV/Revenue Ratio 6.59 0.98 Hanover Insurance Group, Inc.
Revenue per Share (TTM) $10 $184 Hanover Insurance Group, Inc.
Earnings per Share (Diluted) $-2.24 $18.11 Hanover Insurance Group, Inc.
Beta (Stock Volatility) 2.04 0.30 Hanover Insurance Group, Inc.
Short % of Float 18.81% 2.66% Hanover Insurance Group, Inc.

Lemonade Inc. vs Hanover Insurance Group, Inc. Stock Performance Analysis

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LMND
THG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Lemonade Inc.-9.30%-7.01%-4.34%1.54%-28.44%-30.67%
Hanover Insurance Group, Inc.-0.37%-2.82%1.68%3.98%3.54%4.07%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Lemonade Inc.73.13%218.68%-39.49%-16.44%-16.44%-16.44%
Hanover Insurance Group, Inc.5.81%61.74%33.51%129.62%397.06%315.53%

Performance & Financial Health Analysis: Lemonade Inc. vs Hanover Insurance Group, Inc.

MetricLMNDTHG
Market Information
Market Cap i$5.05B$6.40B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i1,589,889249,333
90 Day Avg. Volume i1,837,163302,844
Last Close$52.66$186.35
52 Week Range$34.10 - $99.90$160.70 - $199.59
% from 52W High-47.29%-6.63%
All-Time High$188.30 (Jan 11, 2021)$199.51 (May 18, 2026)
% from All-Time High-72.03%-6.60%
Growth Metrics
Quarterly Revenue Growth0.54%0.06%
Quarterly Earnings Growth0.53%0.18%
Financial Health
Profit Margin (TTM) i-0.22%0.10%
Operating Margin (TTM) i-0.04%0.16%
Return on Equity (TTM) i-0.29%0.21%
Debt to Equity (MRQ) i34.1334.11
Cash & Liquidity
Book Value per Share (MRQ)$7.03$100.89
Cash per Share (MRQ)$5.23$31.94
Operating Cash Flow (TTM) i$-16,500,000$1.18B
Levered Free Cash Flow (TTM) i$115.35M$979.57M
Dividends
Last 12-Month Dividend Yield iN/A2.13%
Last 12-Month Dividend iN/A$3.70

Valuation & Enterprise Metrics Analysis: Lemonade Inc. vs Hanover Insurance Group, Inc.

MetricLMND (Apr 24, 2026)THG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i-29.5310.04
Forward P/E i-184.7210.01
PEG Ratio i-184.720.46
Price to Sales (TTM) i6.880.97
Price to Book (MRQ) i9.461.80
Market Capitalization
Market Capitalization i$5.05B$6.40B
Enterprise Value i$4.86B$6.49B
Enterprise Value Metrics
Enterprise to Revenue i6.590.98
Enterprise to EBITDA i-40.027.30
Risk & Other Metrics
Beta i2.040.30
Book Value per Share (MRQ) i$7.03$100.89

Financial Statements Comparison: Lemonade Inc. vs Hanover Insurance Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricLMND (2025)THG (2025)
Revenue/Sales i737.90M6.57B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i-160.90M843.80M
Pre-Tax Income % of Revenue i-21.8%12.8%
Income Tax i4.60M183.10M
Income Tax % of Revenue i0.6%2.8%
Net Income (Profit) i-165.50M662.50M
Profit Margin i-22.4%10.1%

Balance Sheet & Liquidity Metrics

MetricLMND (2025)THG (2025)
Cash & Equivalents i385.00M1.12B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i182.10M1.22B
Long-Term Debt % of Revenue i24.7%18.6%
Total Shareholders Equity i533.60M3.57B
Retained Earnings i-1.46B3.74B
Retained Earnings % of Revenue i-198.4%57.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricLMND (2025)THG (2025)
Operating Cash Flow i-208.60M663.80M
Operating Cash Flow % of Revenue i-28.3%10.1%
Capital Expenditures i-9.40MN/A
Free Cash Flow i-25.90M1.17B
FCF Margin i-3.5%17.8%
Debt Repayment i-58.30M-61.80M
Common Stock Repurchase iN/A-129.20M

Short Interest & Institutional Ownership Analysis

MetricLMNDTHG
Shares Short i10.98M830,528
Short Ratio i5.352.75
Short % of Float i18.81%2.66%
Shares Outstanding i75.91M35.39M
Float Shares i70.71M34.80M
% Held by Insiders i13.97%0.88%
% Held by Institutions i59.72%90.71%
% Held by Public i26.31%8.41%

Dividend Analysis & Yield Comparison: Lemonade Inc. vs Hanover Insurance Group, Inc.

MetricLMNDTHG
Last 12-Month Dividend iN/A$3.70
Last 12-Month Dividend Yield iN/A2.13%
3-Year Avg Annual Dividend iN/A$3.51
3-Year Avg Dividend Yield iN/A0.61%
3-Year Total Dividends iN/A$10.52
Ex-Dividend DateN/AMar 13, 2026