Heritage Insurance (NYSE:HRTG) vs. Lemonade (NYSE:LMND) Direct Survey

Heritage Insurance (NYSE:HRTG – Get Rating) and Lemonade (NYSE:LMND – Get Rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on the strength of their profitability, valuation, risk, institutional ownership, earnings, analyst recommendations and dividends.


This table compares the net margins, return on equity and return on assets of Heritage Insurance and Lemonade.

Net margins Return on equity return on assets
Wealth Insurance -11.83% -3.56% -0.66%
Lemonade -187.93% -22.54% -16.09%

Volatility and risk

Heritage Insurance has a beta of 0.54, which means its stock price is 46% less volatile than the S&P 500. In comparison, Lemonade has a beta of 2.1, which means its stock price is 110% more volatile than the S&P 500.

Institutional and insider ownership

60.9% of Heritage Insurance shares are held by institutional investors. By comparison, 58.5% of Lemonade’s shares are held by institutional investors. 8.5% of Heritage Insurance shares are held by insiders. By comparison, 38.8% of Lemonade’s stock is held by insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Heritage Insurance and Lemonade.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Wealth Insurance $631.56 million 0.18 -$74.73 million ($2.71) -1.57
Lemonade $128.40 million 10.02 -$241.30 million ($3.93) -5.31

Heritage Insurance has higher revenue and profits than Lemonade. Lemonade trades at a lower price-to-earnings ratio than Heritage Insurance, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent ratings and recommendations for Heritage Insurance and Lemonade, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Wealth Insurance 0 0 2 0 3.00
Lemonade 2 2 3 0 2.14

Heritage Insurance currently has a consensus target price of $12.00, suggesting a potential upside of 181.69%. Lemonade has a consensus target price of $46.29, suggesting a potential upside of 121.89%. Given Heritage Insurance’s stronger consensus rating and higher likely upside, research analysts clearly believe Heritage Insurance is more favorable than Lemonade.


Heritage Insurance beats Lemonade on 10 out of 14 factors compared between the two stocks.

About Legacy Insurance (Get a rating)

Heritage Insurance Holdings, Inc., through its subsidiaries, offers personal and commercial home insurance products. The company offers personal residential property insurance for single family homeowners and condominium owners, as well as rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida , Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey and New York; and licensed in the State of Pennsylvania, as well as residential property and personal wind insurance. It also provides catering, emergency and recovery services; and property management and reinsurance services. The company writes personal lines insurance policies through a network of independent retail agents, wholesale agents and a direct agency partnership, as well as indirectly to approximately 1,500 retail outlets through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.

About lemonade (Get a rating)

Lemonade, Inc. offers various insurance products in the United States and Europe. Its insurance products include stolen or damaged property and personal liability which protects its customers if they are responsible for an accident or damage to another person or their property. The Company also offers tenant, homeowner, pet, car and life insurance products, as well as homeowners insurance policies. Additionally, he acts as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. and changed its name to Lemonade, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

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About Bobby F. Lopez

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