ICC (NASDAQ:ICCH – Get Free Report) and Lemonade (NYSE:LMND – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, risk, profitability and dividends.
Insider and Institutional Ownership
46.5% of ICC shares are held by institutional investors. Comparatively, 80.3% of Lemonade shares are held by institutional investors. 24.1% of ICC shares are held by insiders. Comparatively, 12.5% of Lemonade shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Earnings & Valuation
This table compares ICC and Lemonade’s revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
ICC | $83.16 million | 0.85 | $4.26 million | $1.72 | 13.16 |
Lemonade | $429.80 million | 3.71 | -$236.90 million | ($3.13) | -7.23 |
Analyst Ratings
This is a breakdown of recent ratings and target prices for ICC and Lemonade, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
ICC | 0 | 0 | 0 | 0 | N/A |
Lemonade | 3 | 4 | 1 | 0 | 1.75 |
Lemonade has a consensus price target of $18.86, indicating a potential downside of 16.64%. Given Lemonade’s higher probable upside, analysts plainly believe Lemonade is more favorable than ICC.
Profitability
This table compares ICC and Lemonade’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
ICC | 5.91% | 7.91% | 2.43% |
Lemonade | -48.14% | -30.30% | -13.36% |
Volatility and Risk
ICC has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500. Comparatively, Lemonade has a beta of 1.78, indicating that its share price is 78% more volatile than the S&P 500.
Summary
ICC beats Lemonade on 7 of the 13 factors compared between the two stocks.
About ICC
ICC Holdings, Inc., together with its subsidiaries, provides property and casualty insurance products to the food and beverage industry in the United States. It offers commercial multi-peril, liquor liability, workers' compensation, and umbrella liability insurance products. The company markets its products through independent agents in Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Ohio, Pennsylvania, Utah, and Wisconsin. ICC Holdings, Inc. was founded in 1950 and is headquartered in Rock Island, Illinois.
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.
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