HIPO vs LMND vs ROOT vs KINS vs HGTY

For growth investors, Lemonade, Inc.

(LMND) is the stronger pick with 40. 2% revenue growth year-over-year, versus 7. 6% for Kingstone Companies, Inc. (KINS). Kingstone Companies, Inc. (KINS) offers the better valuation at 11. 1x trailing P/E (7. 2x forward), making it the more compelling value choice. Analysts rate Hippo Holdings Inc. (HIPO) a "Buy" — based on 6 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, Kingstone Companies, Inc.

(KINS) is the cheapest at 11. 1x versus Hagerty, Inc. at 27. 2x. On forward P/E, Kingstone Companies, Inc. is actually cheaper at 7. 2x.

Over the past 5 years, Kingstone Companies, Inc.

(KINS) delivered a total return of +94. 5%, compared to -88. 9% for Hippo Holdings Inc. (HIPO). Over 10 years, the gap is even starker: KINS returned +104. 9% versus HIPO's -90. 5%. 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), Kingstone Companies, Inc.

(KINS) is the lower-risk stock at 0. 28β versus Lemonade, Inc. 's 2. 75β — meaning LMND is approximately 900% more volatile than KINS relative to the S&P 500. On balance sheet safety, Hippo Holdings Inc. (HIPO) carries a lower debt/equity ratio of 12% versus 51% for Root, 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 7. 6% for Kingstone Companies, Inc. (KINS). On earnings-per-share growth, the picture is similar: Kingstone Companies, Inc. grew EPS 359. 6% year-over-year, compared to 19. 3% for Lemonade, 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.

Hippo Holdings Inc.

(HIPO) is the more profitable company, earning 12. 3% net margin versus -22. 4% for Lemonade, Inc. — meaning it keeps 12. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KINS leads at 15. 0% versus -21. 8% for LMND. At the gross margin level — before operating expenses — HGTY leads at 80. 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.

On forward earnings alone, Kingstone Companies, Inc.

(KINS) trades at 7. 2x forward P/E versus 114. 1x for Hippo Holdings Inc. — 107. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HGTY: 42. 3% to $14. 33.

In this comparison, HGTY (0.

2% yield) pays a dividend. HIPO, LMND, ROOT, KINS do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Kingstone Companies, Inc.

(KINS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 28), +104. 9% 10Y return). 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 (KINS: +104. 9%, ROOT: -88. 7%), 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.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: HIPO is a small-cap high-growth stock; LMND is a small-cap high-growth stock; ROOT is a small-cap high-growth stock; KINS is a small-cap deep-value stock; HGTY 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.