COMP <GO>
LMND vs PLMR // DIVIDEND YIELD & FCF PAYOUT SAFETY
Lemonade Inc. (NYSE) VS. Palomar Holdings Inc. (NASDAQ) • 15-METRIC TALLY: LMND 0
— PLMR 7
■ METRIC PARITY
LAST: $45.91 (+1.21%) • MKT CAP: $3.55B
dividend-safety
0.00%
LAST: $137.17 (+0.54%) • MKT CAP: $3.61B
dividend-safety
0.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LMND VS. PLMR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LMND | PLMR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -31.10% | 20.90% | -52.00 | PLMR | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.73% | 11.33% | -12.06 | PLMR | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | -22.50% | 22.50% | -45.00 | PLMR | /net-margins <GO> |
| Revenue Growth (YoY) | 40.20% | 58.20% | -18.00 | PLMR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 6/9 | -3.00 | PLMR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 38.1 | 57.9 | -19.76 | PLMR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 15.4x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.55B | $3.61B | -$56.7M | PLMR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LMND REV | PLMR REV | LMND GROSS % | PLMR GROSS % | LMND FCF | PLMR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $737.9M | $876.0M | — | — | -$25.9M | $409.0M |
| FY 2024 | $526.5M | $553.9M | — | — | -$20.8M | $260.9M |
| FY 2023 | $429.8M | $375.9M | — | — | -$119.1M | $116.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LMND // BETA —
PLMR // BETA —