LIVE
LMND
Lemonade, Inc. · Financials - Insurance Technology
$58.84
+9.02% this month
VERSUS
⟷
COMPARE
HIPO
Hippo Holdings Inc. · Financials - Insurance Technology
$25.96
+0.58% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
LMND
3
HIPO
1
Comparison scoreboard
LMND LEADS 3/5AI Score
LMND ✓24.4
HIPO 22.9
1Y Return
LMND ✓+45.28%
HIPO -10.67%
Fwd P/E
LMND ✓-156.91
HIPO 9.69
Target Up.
LMND +5.37%
HIPO ✓+47.34%
Op. Margin
LMND N/A
HIPO N/A
Metrics last refreshed: 6/20/2026
Quick take
LMND vs HIPO Stock Comparison: AI Score, Valuation, Performance and Upside
LMND (Lemonade) and HIPO (Hippo) are both digital-first homeowners insurance insurtechs that have struggled with loss ratios significantly above profitability thresholds. Lemonade's AI claims processing across multiple product lines contrasts with Hippo's smart home proactive prevention focus — both have faced the brutal economics of property insurance including catastrophe exposure.
LMND vs HIPO represents the insurtech property insurance challenge — two innovative digital insurers demonstrating that technology alone doesn't solve insurance profitability without achieving pricing accuracy and managing catastrophe exposure.
Live analysis · updated 6/20/2026
LMND holds the edge across 3 of 5 key metrics in this comparison. LMND leads on both 1-year return (+45.28%) and forward P/E (-156.91x vs 9.69x for HIPO), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for HIPO (+47.34%) than for LMND (+5.37%).
Normalized 1Y performance
LMND
HIPO
Recent returns
LMND
HIPO
Analyst price targets & sentiment
LMND · 9 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.9/5.0)
Price target range
analyst low$37.00
analyst high$92.00
analyst mean$62.00
current price$58.84
+5.4% upside to analyst mean
HIPO · 4 analysts
Price target range
analyst low$32.00
analyst high$45.00
analyst mean$38.25
current price$25.96
+47.3% upside to analyst mean
Who should consider this stock?
LMND may suit investors who:
- →Want exposure to AI-powered digital insurance with a mission-driven consumer brand across renters, home, pet, and car insurance
- →Believe Lemonade's AI underwriting will eventually achieve loss ratios below traditional insurers as it scales
- →Value Lemonade's diversified product portfolio as reducing single-catastrophe concentration versus pure homeowners insurtechs
HIPO may suit investors who:
- →See smart home technology integration as a genuine innovation in proactive risk prevention that can improve homeowners insurance economics
- →Want homeowners insurance-focused insurtech exposure with a digital-first quote and bind experience
- →Believe Hippo's reinsurance improvements and geographic diversification will bring loss ratios to profitability faster than skeptics expect
Performance & AI score
| Metric | LMND | HIPO |
|---|---|---|
| AI score | 24.4 | 22.9 |
| AI rank | #3136 | #3840 |
| Latest close | $58.84 | $25.96 |
| 1M return | +9.02% | +0.58% |
| 6M return | -25.61% | -14.18% |
| 1Y return | +45.28% | -10.67% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | LMND | HIPO |
|---|---|---|
| 1Y ago | $14.53K (+45.3%) started 2025-06-18 | $8.93K (-10.7%) started 2025-06-18 |
| 5Y ago | $5.67K (-43.3%) started 2021-06-18 | $1.03K (-89.7%) started 2021-06-18 |
| 10Y ago | $8.48K (-15.2%) started 2020-07-02 | $902.96 (-91.0%) started 2021-01-11 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | LMND | HIPO |
|---|---|---|
| Market cap | $4.52B | $675.89M |
| Trailing P/E | N/A | 5.90 |
| Forward P/E | -156.91 | 9.69 |
| Price/Sales | 5.35 | 1.41 |
| EV/Revenue | 5.29 | 0.68 |
| Analyst target | $62.00 | $38.25 |
| Target upside | +5.37% | +47.34% |
Growth, profitability & risk
| Metric | LMND | HIPO |
|---|---|---|
| Revenue growth | 70.60% | 8.90% |
| Earnings growth | N/A | N/A |
| EPS growth | N/A | N/A |
| FCF margin | +10.76% | +22.27% |
| Operating margin | N/A | N/A |
| Profit margin | -16.44% | 23.51% |
| ROIC proxy | -26.12% | 29.73% |
| Return on equity | -26.12% | 29.73% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 1.81 | 1.52 |
| Debt/equity | 38.69 | 11.48 |
| Current ratio | 1.24 | 1.08 |
| Quick ratio | 0.93 | 0.54 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
LMND max drawdown47.70%
HIPO max drawdown36.35%
LMND max wkly drop25.00%
HIPO max wkly drop11.20%
5Y risk snapshot
LMND max drawdown90.63%
HIPO max drawdown97.25%
LMND max wkly drop31.37%
HIPO max wkly drop36.97%
10Y risk snapshot
LMND max drawdown94.23%
HIPO max drawdown98.06%
LMND max wkly drop34.49%
HIPO max wkly drop36.97%
Performance metrics by period
| Period | Metric | LMND | HIPO |
|---|---|---|---|
| 1Y | Growth | +45.28% | -10.67% |
| CAGR | +45.32% | -10.67% | |
| Sharpe ratio | 0.79 | -0.19 | |
| Max drawdown | 47.70% | 36.35% | |
| Max daily drop | 14.85% | 8.59% | |
| Max wkly drop | 25.00% | 11.20% | |
| 5Y | Growth | -43.33% | -89.66% |
| CAGR | -10.74% | -36.48% | |
| Sharpe ratio | 0.20 | -0.36 | |
| Max drawdown | 90.63% | 97.25% | |
| Max daily drop | 27.72% | 16.96% | |
| Max wkly drop | 31.37% | 36.97% | |
| 10Y | Growth | -15.23% | -90.97% |
| CAGR | -2.73% | -35.77% | |
| Sharpe ratio | 0.33 | -0.37 | |
| Max drawdown | 94.23% | 98.06% | |
| Max daily drop | 27.72% | 16.96% | |
| Max wkly drop | 34.49% | 36.97% |
Business comparison
| Category | LMND | HIPO |
|---|---|---|
| Company | Lemonade, Inc. | Hippo Holdings Inc. |
| Sector | Financials - Insurance Technology | Financials - Insurance Technology |
| Industry | N/A | N/A |
| Core business | Lemonade is a digital insurance company using AI to provide renters, homeowners, pet, term life, and car insurance, with AI bots handling policy binding and claims in seconds, operating with a flat fee model and donating unclaimed premiums to charity (Giveback program). | Hippo offers smart home insurance using proactive technology (smart home sensors, connected home data) to prevent claims before they happen, targeting homeowners with data-driven, fast-quote homeowners insurance available in most U.S. states. |
| Investor focus | Investors track Lemonade's in-force premium (IFP) growth, gross loss ratio improvement toward profitability, customer count expansion, and whether the AI and machine learning underwriting model can achieve better loss ratios than traditional insurers over time. | Investors track Hippo's total generated premium, loss ratio improvement, reinsurance strategy, and the company's path to profitability as it manages catastrophe exposure and builds a larger premium base. |
LMND strengths
- →AI-first claims processing provides instant settlement for many claims and reduces fraud through behavioral analysis — genuine technological differentiation
- →Giveback program donates surplus premiums to charity, creating a mission-driven consumer brand that resonates with socially-conscious policyholders
- →Digital-first model with no agent network has structurally lower acquisition costs than traditional insurance, though loss ratios must improve to realize this advantage
HIPO strengths
- →Smart home technology approach to risk prevention — detecting water leaks, fire risks, and other hazards before they become claims — is a genuinely differentiated risk management approach
- →Fast digital quote-and-bind experience targets homeowners frustrated with traditional agent-dependent insurance purchasing
- →Comprehensive homeowners insurance product with smart home device integration provides unique bundled value proposition
Risks to watch — LMND
- →Loss ratios have been significantly above breakeven — Lemonade has struggled to price risk accurately across its expanding product lines
- →Homeowners insurance is capital-intensive and exposed to catastrophe losses (hurricanes, wildfires) that can quickly impair the balance sheet
- →Scaling from simple renters and pet insurance to complex homeowners and car insurance has increased Lemonade's risk exposure significantly
Risks to watch — HIPO
- →Catastrophe weather losses (hurricanes, hailstorms) have severely impacted Hippo's loss ratios in its concentrated geographic markets
- →Hippo's reinsurance structure and catastrophe exposure management are critical financial risks given homeowners insurance's weather sensitivity
- →Like Lemonade, Hippo has struggled with loss ratios significantly above breakeven — path to profitability requires substantial underwriting improvement
Frequently asked questions
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
More comparisons
Browse all 1,000 comparisons →