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4 / 10Stock Comparison
CCGWW vs LMND vs ROOT vs ACMR
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Property & Casualty
Insurance - Property & Casualty
Semiconductors
CCGWW vs LMND vs ROOT vs ACMR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||
|---|---|---|---|---|
| Industry | Software - Application | Insurance - Property & Casualty | Insurance - Property & Casualty | Semiconductors |
| Market Cap | $9M | $4.18B | $798M | $3.92B |
| Revenue (TTM) | $3.47B | $821M | $1.56B | $901M |
| Net Income (TTM) | $-61M | $-139M | $56M | $94M |
| Gross Margin | 4.6% | 47.6% | 17.9% | 44.4% |
| Operating Margin | -1.9% | -16.3% | 4.1% | 12.1% |
| Forward P/E | — | — | 29.0x | 29.7x |
| Total Debt | $35M | $182M | $201M | $303M |
| Cash & Equiv. | $117M | $385M | $690M | $766M |
CCGWW vs LMND vs ROOT vs ACMR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Sep 23 | Feb 26 | Return |
|---|---|---|---|
| Cheche Group Inc. W… (CCGWW) | 100 | 10.5 | -89.5% |
| Lemonade, Inc. (LMND) | 100 | 746.4 | +646.4% |
| Root, Inc. (ROOT) | 100 | 653.3 | +553.3% |
| ACM Research, Inc. (ACMR) | 100 | 321.0 | +221.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CCGWW vs LMND vs ROOT vs ACMR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CCGWW is the #2 pick in this set and the best alternative if income & stability and sleep-well-at-night is your priority.
- beta 1.38
- Lower volatility, beta 1.38, Low D/E 9.9%, current ratio 1.34x
- Beta 1.38 vs ACMR's 3.24, lower leverage
LMND is the clearest fit if your priority is growth.
- 40.2% revenue growth vs CCGWW's 5.2%
ROOT is the clearest fit if your priority is growth exposure and defensive.
- Rev growth 29.0%, EPS growth 22.4%, 3Y rev CAGR 69.6%
- Beta 2.30, current ratio 2.62x
- Lower P/E (29.0x vs 29.7x)
ACMR carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 30.7% 10Y total return vs LMND's -21.6%
- 10.4% margin vs LMND's -16.9%
- 0.2% yield; 3-year raise streak; the other 3 pay no meaningful dividend
- +195.6% vs ROOT's -59.3%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 40.2% revenue growth vs CCGWW's 5.2% | |
| Value | Lower P/E (29.0x vs 29.7x) | |
| Quality / Margins | 10.4% margin vs LMND's -16.9% | |
| Stability / Safety | Beta 1.38 vs ACMR's 3.24, lower leverage | |
| Dividends | 0.2% yield; 3-year raise streak; the other 3 pay no meaningful dividend | |
| Momentum (1Y) | +195.6% vs ROOT's -59.3% | |
| Efficiency (ROA) | 3.9% ROA vs LMND's -7.4%, ROIC 7.0% vs -36.8% |
CCGWW vs LMND vs ROOT vs ACMR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
CCGWW vs LMND vs ROOT vs ACMR — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
ACMR leads in 2 of 6 categories
CCGWW leads 0 • LMND leads 0 • ROOT leads 0 • 3 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — LMND and ROOT and ACMR each lead in 2 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CCGWW is the larger business by revenue, generating $3.5B annually — 4.2x LMND's $821M. ACMR is the more profitable business, keeping 10.4% 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 | $3.5B | $821M | $1.6B | $901M |
| EBITDAEarnings before interest/tax | — | -$121M | $73M | $126M |
| Net IncomeAfter-tax profit | — | -$139M | $56M | $94M |
| Free Cash FlowCash after capex | — | $20M | $181M | -$69M |
| Gross MarginGross profit ÷ Revenue | +4.6% | +47.6% | +17.9% | +44.4% |
| Operating MarginEBIT ÷ Revenue | -1.9% | -16.3% | +4.1% | +12.1% |
| Net MarginNet income ÷ Revenue | -1.8% | -16.9% | +3.6% | +10.4% |
| FCF MarginFCF ÷ Revenue | -3.3% | +2.4% | +11.6% | -7.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +55.0% | +12.6% | +9.4% |
| EPS Growth (YoY)Latest quarter vs prior year | — | +45.3% | +95.3% | -76.1% |
Valuation Metrics
Evenly matched — CCGWW and ROOT each lead in 2 of 5 comparable metrics.
Valuation Metrics
At 25.4x trailing earnings, ROOT trades at a 41% valuation discount to ACMR's 43.2x P/E. On an enterprise value basis, ROOT's 5.9x EV/EBITDA is more attractive than ACMR's 27.5x.
| Metric | ||||
|---|---|---|---|---|
| Market CapShares × price | $9M | $4.2B | $798M | $3.9B |
| Enterprise ValueMkt cap + debt − cash | -$3M | $4.0B | $309M | $3.5B |
| Trailing P/EPrice ÷ TTM EPS | — | -23.67x | 25.41x | 43.21x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — | 29.04x | 29.68x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 1.22x |
| EV / EBITDAEnterprise value multiple | — | — | 5.88x | 27.49x |
| Price / SalesMarket cap ÷ Revenue | 0.02x | 5.67x | 0.53x | 4.35x |
| Price / BookPrice ÷ Book value/share | 0.18x | 7.33x | 2.47x | 2.06x |
| Price / FCFMarket cap ÷ FCF | — | — | 4.15x | — |
Profitability & Efficiency
ACMR leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
ROOT delivers a 15.4% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $-27 for LMND. CCGWW carries lower financial leverage with a 0.10x debt-to-equity ratio, signaling a more conservative balance sheet compared to ROOT's 0.51x. On the Piotroski fundamental quality scale (0–9), ROOT scores 6/9 vs ACMR's 2/9, reflecting solid financial health.
| Metric | ||||
|---|---|---|---|---|
| ROE (TTM)Return on equity | -16.7% | -26.5% | +15.4% | +6.1% |
| ROA (TTM)Return on assets | -5.6% | -7.4% | +3.7% | +3.9% |
| ROICReturn on invested capital | -22.8% | -36.8% | — | +7.0% |
| ROCEReturn on capital employed | -16.6% | -22.7% | +3.8% | +6.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 | 6 | 2 |
| Debt / EquityFinancial leverage | 0.10x | 0.34x | 0.51x | 0.16x |
| Net DebtTotal debt minus cash | -$82M | -$203M | -$489M | -$463M |
| Cash & Equiv.Liquid assets | $117M | $385M | $690M | $766M |
| Total DebtShort + long-term debt | $35M | $182M | $201M | $303M |
| Interest CoverageEBIT ÷ Interest expense | -79.41x | — | 1.86x | 20.44x |
Total Returns (Dividends Reinvested)
ACMR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ACMR five years ago would be worth $23,344 today (with dividends reinvested), compared to $875 for CCGWW. Over the past 12 months, ACMR leads with a +195.6% total return vs ROOT's -59.3%. The 3-year compound annual growth rate (CAGR) favors ROOT at 117.4% vs CCGWW's -55.6% — a key indicator of consistent wealth creation.
| Metric | ||||
|---|---|---|---|---|
| YTD ReturnYear-to-date | -19.2% | -28.3% | -19.7% | +31.9% |
| 1-Year ReturnPast 12 months | -19.8% | +78.2% | -59.3% | +195.6% |
| 3-Year ReturnCumulative with dividends | -91.3% | +234.7% | +927.3% | +487.9% |
| 5-Year ReturnCumulative with dividends | -91.3% | -31.2% | -69.6% | +133.4% |
| 10-Year ReturnCumulative with dividends | -91.3% | -21.6% | -88.3% | +3065.8% |
| CAGR (3Y)Annualised 3-year return | -55.6% | +49.6% | +117.4% | +80.5% |
Risk & Volatility
Evenly matched — CCGWW and ACMR each lead in 1 of 2 comparable metrics.
Risk & Volatility
CCGWW is the less volatile stock with a 1.38 beta — it tends to amplify market swings less than ACMR's 3.24 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ACMR currently trades 82.6% from its 52-week high vs ROOT's 34.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.38x | 2.75x | 2.30x | 3.24x |
| 52-Week HighHighest price in past year | $0.05 | $99.90 | $162.99 | $71.65 |
| 52-Week LowLowest price in past year | $0.02 | $28.71 | $40.91 | $19.26 |
| % of 52W HighCurrent price vs 52-week peak | +42.0% | +54.5% | +34.9% | +82.6% |
| RSI (14)Momentum oscillator 0–100 | 39.1 | 36.3 | 56.6 | 60.7 |
| Avg Volume (50D)Average daily shares traded | 0 | 1.9M | 330K | 1.2M |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Analyst consensus: LMND as "Buy", ROOT as "Hold", ACMR as "Buy". Consensus price targets imply 33.5% upside for LMND (target: $73) vs -32.4% for ACMR (target: $40). ACMR is the only dividend payer here at 0.19% yield — a key consideration for income-focused portfolios.
| Metric | ||||
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | — | $72.67 | $75.00 | $40.00 |
| # AnalystsCovering analysts | — | 15 | 14 | 10 |
| Dividend YieldAnnual dividend ÷ price | — | — | — | +0.2% |
| Dividend StreakConsecutive years of raises | — | — | — | 3 |
| Dividend / ShareAnnual DPS | — | — | — | $0.11 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | +0.2% |
ACMR leads in 2 of 6 categories — strongest in Profitability & Efficiency and Total Returns. 3 categories are tied.
CCGWW vs LMND vs ROOT vs ACMR: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is CCGWW or LMND or ROOT or ACMR a better buy right now?
For growth investors, Lemonade, Inc.
(LMND) is the stronger pick with 40. 2% revenue growth year-over-year, versus 5. 2% for Cheche Group Inc. Warrant (CCGWW). Root, Inc. (ROOT) offers the better valuation at 25. 4x trailing P/E (29. 0x forward), making it the more compelling value choice. Analysts rate Lemonade, Inc. (LMND) a "Buy" — based on 15 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 has the better valuation — CCGWW or LMND or ROOT or ACMR?
On trailing P/E, Root, Inc.
(ROOT) is the cheapest at 25. 4x versus ACM Research, Inc. at 43. 2x. On forward P/E, Root, Inc. is actually cheaper at 29. 0x.
03Which is the better long-term investment — CCGWW or LMND or ROOT or ACMR?
Over the past 5 years, ACM Research, Inc.
(ACMR) delivered a total return of +133. 4%, compared to -91. 3% for Cheche Group Inc. Warrant (CCGWW). Over 10 years, the gap is even starker: ACMR returned +30. 7% versus CCGWW's -91. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CCGWW or LMND or ROOT or ACMR?
By beta (market sensitivity over 5 years), Cheche Group Inc.
Warrant (CCGWW) is the lower-risk stock at 1. 38β versus ACM Research, Inc. 's 3. 24β — meaning ACMR is approximately 134% more volatile than CCGWW relative to the S&P 500. On balance sheet safety, Cheche Group Inc. Warrant (CCGWW) carries a lower debt/equity ratio of 10% versus 51% for Root, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CCGWW or LMND or ROOT or ACMR?
By revenue growth (latest reported year), Lemonade, Inc.
(LMND) is pulling ahead at 40. 2% versus 5. 2% for Cheche Group Inc. Warrant (CCGWW). On earnings-per-share growth, the picture is similar: Root, Inc. grew EPS 22. 4% year-over-year, compared to -10. 5% for ACM Research, Inc.. Over a 3-year CAGR, ROOT leads at 69. 6% 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.
06Which has better profit margins — CCGWW or LMND or ROOT or ACMR?
ACM Research, Inc.
(ACMR) is the more profitable company, earning 10. 4% net margin versus -22. 4% for Lemonade, Inc. — meaning it keeps 10. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ACMR leads at 12. 1% versus -21. 8% for LMND. At the gross margin level — before operating expenses — ACMR leads at 44. 4%, 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.
07Is CCGWW or LMND or ROOT or ACMR more undervalued right now?
On forward earnings alone, Root, Inc.
(ROOT) trades at 29. 0x forward P/E versus 29. 7x for ACM Research, Inc. — 0. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LMND: 33. 5% to $72. 67.
08Which pays a better dividend — CCGWW or LMND or ROOT or ACMR?
In this comparison, ACMR (0.
2% yield) pays a dividend. CCGWW, LMND, ROOT do not pay a meaningful dividend and should not be held primarily for income.
09Is CCGWW or LMND or ROOT or ACMR better for a retirement portfolio?
For long-horizon retirement investors, Cheche Group Inc.
Warrant (CCGWW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. Root, Inc. (ROOT) carries a higher beta of 2. 30 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CCGWW: -91. 3%, ROOT: -88. 3%), 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.
10What are the main differences between CCGWW and LMND and ROOT and ACMR?
These companies operate in different sectors (CCGWW (Technology) and LMND (Financial Services) and ROOT (Financial Services) and ACMR (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: CCGWW is a small-cap quality compounder stock; LMND is a small-cap high-growth stock; ROOT is a small-cap high-growth stock; ACMR is a small-cap high-growth stock. 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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