LMND PEER ANALYSIS

Lemonade Inc — metric-by-metric comparison with peers and the industry median

LMNDLemonade Inc

🇺🇸 USA · NYSE · Financial Services · Insurance - Property & Casualty

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

LMNDIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	LMND	DFY	GJF	SUN	IAG	QBE	Ind. Median
P/E	—	24.66	—	20.75	19.12	12.45●	12.61
P/B	10.46	2.36	6.28	2.03●	2.84	2.30	2.06
EV/EBITDA	—	14.76	—	10.74	11.52	8.53●	7.45
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LMND	DFY	GJF	SUN	IAG	QBE	Ind. Median
Current Ratio	1.06	1.25●	—	—	—	—	0.89
Debt/Equity	38.7%	43.4%	—	30.6%●	49.8%	35.2%	27.1%
NetDebt/EBITDA	3.13	1.65	—	0.99	1.48	0.66●	-0.70

Profitability
Metric	LMND	DFY	GJF	SUN	IAG	QBE	Ind. Median
Net Margin	-16.9%	6.9%	—	5.6%	6.9%	8.9%●	10.8%
ROE	-26.1%	10.5%	—	8.0%	15.2%	19.9%●	18.0%
ROA	-7.3%	3.7%	—	3.1%	4.1%	4.8%●	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	LMND	DFY	GJF	SUN	IAG	QBE	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	-6.5%	—	—	-14.4%	25.5%●	42.9%
Div. Yield	—	1.0%	3.7%	3.0%	3.8%●	2.9%	1.9%
Payout	—	23.9%	—	135.2%	83.6%	37.4%	33.8%

Valuation
Metric	LMND	WTM	RLI	SIGI	MCY	PLMR	Ind. Median
P/E	—	5.40●	14.17	12.92	7.26	20.05	12.61
P/B	10.46	1.03●	3.11	1.64	2.35	4.12	2.06
EV/EBITDA	—	2.68●	7.80	6.82	4.27	13.03	7.45
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LMND	WTM	RLI	SIGI	MCY	PLMR	Ind. Median
Current Ratio	1.06	1.02	0.75	1.35●	0.44	0.95	0.89
Debt/Equity	38.7%	15.5%●	19.3%	25.1%	22.7%	31.0%	27.1%
NetDebt/EBITDA	3.13	-1.50	-3.11●	-0.12	-1.05	-1.70	-0.70

Profitability
Metric	LMND	WTM	RLI	SIGI	MCY	PLMR	Ind. Median
Net Margin	-16.9%	39.4%●	20.8%	8.4%	13.7%	20.2%	10.8%
ROE	-26.1%	21.1%	23.2%	13.3%	38.1%●	22.5%	18.0%
ROA	-7.3%	8.6%	6.5%	3.2%	8.9%●	6.5%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	LMND	WTM	RLI	SIGI	MCY	PLMR	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	3,632.6%●	40.5%	93.8%	193.5%	47.0%	42.9%
Div. Yield	—	0.1%	1.1%	1.7%●	1.2%	—	1.9%
Payout	—	0.5%	61.4%	23.0%	8.4%	—	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.