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LMND vs V

LMND
Lemonade, Inc.
BEARISH
Price
$65.77
Market Cap
$5.05B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
LMND
--
V
28.35
Forward P/E
LMND
-182.69
V
20.79
P/B Ratio
LMND
9.36
V
15.09
P/S Ratio
LMND
6.85
V
14.08
EV/EBITDA
LMND
-39.56
V
20.06

Profitability

Gross Margin
LMND
52.98%
V
97.78%
Operating Margin
LMND
-3.5%
V
68.3%
Profit Margin
LMND
-22.43%
V
50.23%
ROE
LMND
-29.37%
V
53.95%
ROA
LMND
-4.53%
V
18.36%

Growth

Revenue Growth
LMND
53.5%
V
14.6%
Earnings Growth
LMND
--
V
17.4%

Financial Health

Debt/Equity
LMND
0.34
V
0.55
Current Ratio
LMND
1.0
V
1.11
Quick Ratio
LMND
0.71
V
0.72

Dividends

Dividend Yield
LMND
--
V
0.89%
Payout Ratio
LMND
0.0%
V
22.91%

AI Verdict

LMND BEARISH

Lemonade exhibits critical financial weakness with a Piotroski F-Score of 1/9, indicating severe instability in fundamental health. While the company demonstrates impressive top-line revenue growth of 53.5%, it remains deeply unprofitable with a negative ROE of -29.37% and a negative profit margin. Insider sentiment is strongly bearish, characterized by significant selling from the CEO and CFO with zero buying activity. The current valuation represents a massive premium over book value (P/B 9.36), making the stock a high-risk speculative play despite recent price momentum.

Strengths
Exceptional YoY revenue growth of 53.50%
Consistent track record of beating earnings estimates (3/4 last 4 quarters)
Relatively low Debt/Equity ratio of 0.34
Risks
Severe fundamental instability as evidenced by a Piotroski F-Score of 1/9
Persistent net losses and negative ROE (-29.37%)
Aggressive insider selling totaling $22.39M with no offsetting buys
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

LMND vs V: Head-to-Head Comparison

This page compares Lemonade, Inc. (LMND) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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