SNFCA vs KINS vs PLMR vs LMND vs ROOT

For growth investors, Security National Financial Corporation (SNFCA) is the stronger pick with 42061% revenue growth year-over-year, versus 28.

4% for Kingstone Companies, Inc. (KINS). Kingstone Companies, Inc. (KINS) offers the better valuation at 5. 6x trailing P/E (7. 0x forward), making it the more compelling value choice. Analysts rate Kingstone Companies, Inc. (KINS) a "Buy" — based on 4 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 5. 6x versus Root, Inc. at 25. 4x. On forward P/E, Kingstone Companies, Inc. is actually cheaper at 7. 0x.

Over the past 5 years, Kingstone Companies, Inc.

(KINS) delivered a total return of +99. 4%, compared to -69. 6% for Root, Inc. (ROOT). Over 10 years, the gap is even starker: PLMR returned +498. 1% versus ROOT's -88. 3%. 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), Palomar Holdings, Inc.

(PLMR) is the lower-risk stock at 0. 24β versus Lemonade, Inc. 's 2. 75β — meaning LMND is approximately 1042% more volatile than PLMR relative to the S&P 500. On balance sheet safety, Palomar Holdings, Inc. (PLMR) carries a lower debt/equity ratio of 1% versus 51% for Root, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Security National Financial Corporation (SNFCA) is pulling ahead at 42061% versus 28.

4% for Kingstone Companies, Inc. (KINS). On earnings-per-share growth, the picture is similar: Kingstone Companies, Inc. grew EPS 94. 6% year-over-year, compared to 18. 9% for Security National Financial Corporation. 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.

Palomar Holdings, Inc.

(PLMR) is the more profitable company, earning 22. 5% net margin versus -22. 4% for Lemonade, Inc. — meaning it keeps 22. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PLMR leads at 28. 9% versus -21. 8% for LMND. At the gross margin level — before operating expenses — PLMR leads at 73. 9%, 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. 0x forward P/E versus 29. 0x for Root, Inc. — 22. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LMND: 33. 5% to $72. 67.

In this comparison, KINS (0.

6% yield) pays a dividend. SNFCA, PLMR, LMND, ROOT 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), 0. 6% yield, +101. 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: +101. 9%, 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.

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.

KINS pays a dividend while SNFCA, PLMR, LMND, ROOT 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.