Is LMND or OXBR more undervalued in 2026?

CirclFi compares Lemonade, Inc. (LMND) and Oxbridge Re Holdings Limited (OXBR) using 13 institutional-grade valuation models. LMND has a Quality of Company score of 7.0/10 while OXBR scores 4.7/10.

Which is a better buy — LMND or OXBR?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do LMND and OXBR valuations compare?

LMND at $58.00 and OXBR at $1.03 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LMND vs OXBR Valuation Comparison 2026 — Intrinsic Value Analysis

LMND

Fire, Marine & Casualty Insurance

Lemonade, Inc.

Quality

7.0

out of 10

Value Trap

SAFE

Price

$58.00

Last close

Models

12/13

Active

OXBR

Fire, Marine & Casualty Insurance

Oxbridge Re Holdings Limited

Quality

4.7

out of 10

Value Trap

LOW

Price

$1.03

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	LMND Fair Value	LMND Upside	OXBR Fair Value	OXBR Upside
Bayesian DCF	Intrinsic	$19.80	-65.9%	$0.25	-75.3%
Earnings Power Value	Intrinsic	$19.37	-65.8%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	—	—	$0.26	-74.9%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LMND vs OXBR — Which Stock Is More Undervalued?

LMND scores higher with a 7.0/10 quality rating vs OXBR's 4.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Lemonade, Inc. (LMND) and Oxbridge Re Holdings Limited (OXBR) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

LMND currently trades at $58.00 with a QOC of 7.0/10, while OXBR trades at $1.03 with a QOC of 4.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).