Reviewing Fidelis Insurance (NYSE:FIHL) & Lemonade (NYSE:LMND)

Fidelis Insurance (NYSE:FIHL) and Lemonade (NYSE:LMND) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Valuation & Earnings

This table compares Fidelis Insurance and Lemonade’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fidelis Insurance	$3.60 billion	0.62	$2.13 billion	$19.07	0.99
Lemonade	$429.80 million	2.74	-$236.90 million	($3.13)	-5.34

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

Profitability

This table compares Fidelis Insurance and Lemonade’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fidelis Insurance	59.30%	20.23%	4.22%
Lemonade	-48.14%	-30.30%	-13.36%

Institutional and Insider Ownership

82.0% of Fidelis Insurance shares are owned by institutional investors. Comparatively, 80.3% of Lemonade shares are owned by institutional investors. 12.5% of Lemonade shares are owned 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.

Analyst Recommendations

This is a summary of current recommendations and price targets for Fidelis Insurance and Lemonade, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fidelis Insurance	0	4	4	0	2.50
Lemonade	3	4	1	0	1.75

Fidelis Insurance currently has a consensus price target of $18.44, suggesting a potential downside of 2.03%. Lemonade has a consensus price target of $18.86, suggesting a potential upside of 12.88%. Given Lemonade’s higher possible upside, analysts clearly believe Lemonade is more favorable than Fidelis Insurance.

Summary

Fidelis Insurance beats Lemonade on 10 of the 13 factors compared between the two stocks.

About Fidelis Insurance

Fidelis Insurance Holdings Limited, together with its subsidiaries, provides insurance and reinsurance products in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, and other risk transfer opportunities, including political violence and terrorism, limited cyber reinsurance, tax liabilities, title, transactional liabilities, and other bespoke solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.

About Lemonade

Lemonade, Inc. provides various insurance products through various channels in the United States, Europe, and the United Kingdom. Its insurance products include stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. The company also offers renters, homeowners, car, pet, and life insurance products, as well as landlord insurance policies. In addition, it operates 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.