EVER vs LMND vs PGR vs ALL

For growth investors, Lemonade, Inc.

(LMND) is the stronger pick with 40. 2% revenue growth year-over-year, versus 4. 6% for The Allstate Corporation (ALL). The Allstate Corporation (ALL) offers the better valuation at 5. 7x trailing P/E (8. 0x forward), making it the more compelling value choice. Analysts rate EverQuote, Inc. (EVER) 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.

On trailing P/E, The Allstate Corporation (ALL) is the cheapest at 5.

7x versus The Progressive Corporation at 13. 7x. On forward P/E, The Allstate Corporation is actually cheaper at 8. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: The Allstate Corporation wins at 0. 47x versus The Progressive Corporation's 0. 73x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, The Progressive Corporation (PGR) delivered a total return of +110.

2%, compared to -34. 3% for EverQuote, Inc. (EVER). Over 10 years, the gap is even starker: PGR returned +600. 9% versus LMND's -23. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), The Progressive Corporation (PGR) is the lower-risk stock at -0.

07β versus Lemonade, Inc. 's 2. 75β — meaning LMND is approximately -4017% more volatile than PGR relative to the S&P 500. On balance sheet safety, EverQuote, Inc. (EVER) carries a lower debt/equity ratio of 1% versus 34% for Lemonade, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Lemonade, Inc.

(LMND) is pulling ahead at 40. 2% versus 4. 6% for The Allstate Corporation (ALL). On earnings-per-share growth, the picture is similar: EverQuote, Inc. grew EPS 198. 9% 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.

The Allstate Corporation (ALL) is the more profitable company, earning 15.

5% net margin versus -22. 4% for Lemonade, Inc. — meaning it keeps 15. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ALL leads at 19. 8% versus -21. 8% for LMND. At the gross margin level — before operating expenses — EVER leads at 97. 2%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, The Allstate Corporation (ALL) is the more undervalued stock at a PEG of 0. 47x versus The Progressive Corporation's 0. 73x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, The Allstate Corporation (ALL) trades at 8. 0x forward P/E versus 12. 1x for The Progressive Corporation — 4. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LMND: 37. 1% to $72. 67.

In this comparison, ALL (1.

8% yield), PGR (0. 6% yield) pay a dividend. EVER, LMND do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, The Progressive Corporation (PGR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.

07), 0. 6% yield, +600. 9% 10Y return). 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 (PGR: +600. 9%, LMND: -23. 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.

These companies operate in different sectors (EVER (Communication Services) and LMND (Financial Services) and PGR (Financial Services) and ALL (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: EVER is a small-cap high-growth stock; LMND is a small-cap high-growth stock; PGR is a mid-cap high-growth stock; ALL is a mid-cap deep-value stock. PGR, ALL pay a dividend while EVER, LMND do 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.