Specialty Business Services
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BV vs LMND
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Property & Casualty
BV vs LMND — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Specialty Business Services | Insurance - Property & Casualty |
| Market Cap | $1.21B | $4.18B |
| Revenue (TTM) | $2.73B | $821M |
| Net Income (TTM) | $38M | $-139M |
| Gross Margin | 22.0% | 47.6% |
| Operating Margin | 4.5% | -16.3% |
| Forward P/E | 17.6x | — |
| Total Debt | $913M | $182M |
| Cash & Equiv. | $75M | $385M |
BV vs LMND — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jul 20 | May 26 | Return |
|---|---|---|---|
| BrightView Holdings… (BV) | 100 | 107.1 | +7.1% |
| Lemonade, Inc. (LMND) | 100 | 93.6 | -6.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BV vs LMND
Each card shows where this stock fits in a portfolio — not just who wins on paper.
BV carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 2 yrs, beta 1.13, yield 2.8%
- Lower volatility, beta 1.13, Low D/E 50.7%, current ratio 1.30x
- Beta 1.13, yield 2.8%, current ratio 1.30x
LMND is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 40.2%, EPS growth 19.3%, 3Y rev CAGR 42.2%
- -21.6% 10Y total return vs BV's -39.3%
- 40.2% revenue growth vs BV's -3.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 40.2% revenue growth vs BV's -3.4% | |
| Quality / Margins | 1.4% margin vs LMND's -16.9% | |
| Stability / Safety | Beta 1.13 vs LMND's 2.75 | |
| Dividends | 2.8% yield; 2-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | +78.2% vs BV's -10.7% | |
| Efficiency (ROA) | 1.1% ROA vs LMND's -7.4%, ROIC 3.9% vs -36.8% |
BV vs LMND — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
BV vs LMND — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
LMND leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
BV is the larger business by revenue, generating $2.7B annually — 3.3x LMND's $821M. BV is the more profitable business, keeping 1.4% of every revenue dollar as net income compared to LMND's -16.9%. On growth, LMND holds the edge at +55.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $2.7B | $821M |
| EBITDAEarnings before interest/tax | $265M | -$121M |
| Net IncomeAfter-tax profit | $38M | -$139M |
| Free Cash FlowCash after capex | $6M | $20M |
| Gross MarginGross profit ÷ Revenue | +22.0% | +47.6% |
| Operating MarginEBIT ÷ Revenue | +4.5% | -16.3% |
| Net MarginNet income ÷ Revenue | +1.4% | -16.9% |
| FCF MarginFCF ÷ Revenue | +0.2% | +2.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.1% | +55.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -189.2% | +45.3% |
Valuation Metrics
BV leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $1.2B | $4.2B |
| Enterprise ValueMkt cap + debt − cash | $2.0B | $4.0B |
| Trailing P/EPrice ÷ TTM EPS | 22.77x | -23.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 17.62x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 6.69x | — |
| Price / SalesMarket cap ÷ Revenue | 0.45x | 5.67x |
| Price / BookPrice ÷ Book value/share | 0.70x | 7.33x |
| Price / FCFMarket cap ÷ FCF | 32.17x | — |
Profitability & Efficiency
BV leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
BV delivers a 2.1% return on equity — every $100 of shareholder capital generates $2 in annual profit, vs $-27 for LMND. LMND carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to BV's 0.51x.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +2.1% | -26.5% |
| ROA (TTM)Return on assets | +1.1% | -7.4% |
| ROICReturn on invested capital | +3.9% | -36.8% |
| ROCEReturn on capital employed | +4.7% | -22.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 0.51x | 0.34x |
| Net DebtTotal debt minus cash | $839M | -$203M |
| Cash & Equiv.Liquid assets | $75M | $385M |
| Total DebtShort + long-term debt | $913M | $182M |
| Interest CoverageEBIT ÷ Interest expense | 2.00x | — |
Total Returns (Dividends Reinvested)
LMND leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BV five years ago would be worth $6,930 today (with dividends reinvested), compared to $6,880 for LMND. Over the past 12 months, LMND leads with a +78.2% total return vs BV's -10.7%. The 3-year compound annual growth rate (CAGR) favors LMND at 49.6% vs BV's 26.4% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +3.0% | -28.3% |
| 1-Year ReturnPast 12 months | -10.7% | +78.2% |
| 3-Year ReturnCumulative with dividends | +101.9% | +234.7% |
| 5-Year ReturnCumulative with dividends | -30.7% | -31.2% |
| 10-Year ReturnCumulative with dividends | -39.3% | -21.6% |
| CAGR (3Y)Annualised 3-year return | +26.4% | +49.6% |
Risk & Volatility
BV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BV is the less volatile stock with a 1.13 beta — it tends to amplify market swings less than LMND's 2.75 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BV currently trades 75.9% from its 52-week high vs LMND's 54.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.13x | 2.75x |
| 52-Week HighHighest price in past year | $17.11 | $99.90 |
| 52-Week LowLowest price in past year | $11.06 | $28.71 |
| % of 52W HighCurrent price vs 52-week peak | +75.9% | +54.5% |
| RSI (14)Momentum oscillator 0–100 | 66.0 | 36.3 |
| Avg Volume (50D)Average daily shares traded | 531K | 1.9M |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates BV as "Buy" and LMND as "Buy". Consensus price targets imply 33.5% upside for LMND (target: $73) vs 4.2% for BV (target: $14). BV is the only dividend payer here at 2.82% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $13.53 | $72.67 |
| # AnalystsCovering analysts | 13 | 15 |
| Dividend YieldAnnual dividend ÷ price | +2.8% | — |
| Dividend StreakConsecutive years of raises | 2 | — |
| Dividend / ShareAnnual DPS | $0.37 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +2.0% | 0.0% |
BV leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). LMND leads in 2 (Income & Cash Flow, Total Returns).
BV vs LMND: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is BV or LMND a better buy right now?
For growth investors, Lemonade, Inc.
(LMND) is the stronger pick with 40. 2% revenue growth year-over-year, versus -3. 4% for BrightView Holdings, Inc. (BV). BrightView Holdings, Inc. (BV) offers the better valuation at 22. 8x trailing P/E (17. 6x forward), making it the more compelling value choice. Analysts rate BrightView Holdings, Inc. (BV) a "Buy" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — BV or LMND?
Over the past 5 years, BrightView Holdings, Inc.
(BV) delivered a total return of -30. 7%, compared to -31. 2% for Lemonade, Inc. (LMND). Over 10 years, the gap is even starker: LMND returned -21. 6% versus BV's -39. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — BV or LMND?
By beta (market sensitivity over 5 years), BrightView Holdings, Inc.
(BV) is the lower-risk stock at 1. 13β versus Lemonade, Inc. 's 2. 75β — meaning LMND is approximately 143% more volatile than BV relative to the S&P 500. On balance sheet safety, Lemonade, Inc. (LMND) carries a lower debt/equity ratio of 34% versus 51% for BrightView Holdings, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — BV or LMND?
By revenue growth (latest reported year), Lemonade, Inc.
(LMND) is pulling ahead at 40. 2% versus -3. 4% for BrightView Holdings, Inc. (BV). On earnings-per-share growth, the picture is similar: BrightView Holdings, Inc. grew EPS 185. 0% year-over-year, compared to 19. 3% for Lemonade, Inc.. Over a 3-year CAGR, LMND leads at 42. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — BV or LMND?
BrightView Holdings, Inc.
(BV) is the more profitable company, earning 2. 1% net margin versus -22. 4% for Lemonade, Inc. — meaning it keeps 2. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BV leads at 5. 0% versus -21. 8% for LMND. At the gross margin level — before operating expenses — LMND leads at 40. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is BV or LMND more undervalued right now?
Analyst consensus price targets imply the most upside for LMND: 33.
5% to $72. 67.
07Which pays a better dividend — BV or LMND?
In this comparison, BV (2.
8% yield) pays a dividend. LMND does not pay a meaningful dividend and should not be held primarily for income.
08Is BV or LMND better for a retirement portfolio?
For long-horizon retirement investors, BrightView Holdings, Inc.
(BV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 13), 2. 8% yield). Lemonade, Inc. (LMND) carries a higher beta of 2. 75 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (BV: -39. 3%, LMND: -21. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between BV and LMND?
These companies operate in different sectors (BV (Industrials) and LMND (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: BV is a small-cap quality compounder stock; LMND is a small-cap high-growth stock. BV pays a dividend while LMND does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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