Lemonade/$LMND
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Lemonade
Lemonade Inc operates in the insurance industry. The company offers digital and artificial intelligence based platform for various insurances and for settling claims and paying premiums. The platform ensures transparency in issuing policies and settling disputes. The company is using technology, data, artificial intelligence, contemporary design, and social impact to deliver delightful and affordable insurances. The Company operates in one report segment providing personal property and casualty insurance products within the United States and Europe, including the UK.
- Ticker
- $LMND
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 1,282
- Headquarters
- New York, United States
- Website
- www.lemonade.com
Lemonade Metrics
BasicAdvanced
$3.6B
-
-$1.83
1.86
-
Price and volume
Market cap
$3.6B
Beta
1.86
52-week high
$99.90
52-week low
$42.70
Average daily volume
1.1M
Financial strength
Current ratio
1.304
Quick ratio
1.009
Long term debt to equity
0.413
Total debt to equity
0.453
Interest coverage (TTM)
-6.31%
Profitability
EBITDA (TTM)
-92.1
Gross margin (TTM)
51.65%
Net profit margin (TTM)
-14.19%
Operating margin (TTM)
-11.19%
Effective tax rate (TTM)
-3.83%
Revenue per employee (TTM)
$760,000
Management effectiveness
Return on assets (TTM)
-3.46%
Return on equity (TTM)
-26.96%
Valuation
Price to revenue (TTM)
3.563
Price to book
7.11
Price to tangible book (TTM)
7.51
Price to free cash flow (TTM)
428.937
Free cash flow yield (TTM)
0.23%
Free cash flow per share (TTM)
0.107
Growth
Revenue change (TTM)
62.31%
Earnings per share change (TTM)
-35.13%
3-year revenue growth (CAGR)
39.11%
3-year earnings per share growth (CAGR)
-24.14%
What the Analysts think about Lemonade
Analyst ratings (Buy, Hold, Sell) for Lemonade stock.
Analyst projections of the future price of Lemonade stock.
Bulls say / Bears say
In-force premium grew 32% year on year to $1.43 billion, while the gross loss ratio improved to 60% from 67%. That suggests Lemonade is expanding while reporting better underwriting results. (Last10K)
Car in-force premium grew 60% year on year, and 40% to 50% of new Lemonade Car sales recently came from existing customers. Further state launches could widen the market and give the company more scope to cross-sell. (The Motley Fool, Lemonade)
The adjusted EBITDA loss narrowed 54% year on year to $19 million, and management expects its first positive adjusted EBITDA quarter in Q4 2026. Adjusted free cash flow was positive for a fifth consecutive quarter, supporting the case that growth could translate into operating leverage. (Last10K)
Lemonade still reported a $43 million net loss in Q2, while operating expenses excluding claims rose 41% year on year. Higher customer-acquisition spending and other costs could delay sustained profitability if revenue growth slows. (Last10K)
The reported 60% gross loss ratio included seven percentage points of favourable prior-period development, so the quarter’s headline underwriting result may overstate current-period performance. Pet and European loss ratios were also 74% and 71%, respectively, highlighting variation across products. (Last10K, Seeking Alpha)
Morgan Stanley downgraded the shares after a sharp run-up, arguing that the valuation already reflected much of the growth outlook. A premium multiple leaves less room for disappointment if auto-market conditions or Lemonade’s path to profit weaken. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 18 Oct 2026.
Lemonade Financial Performance
Revenues and expenses
Lemonade Earnings Performance
Company profitability
Upcoming events
No upcoming events
Lemonade News
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Funds containing Lemonade
AllUSDEURGBP
Fund name | Fund size | $LMND weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.11% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.11% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.05% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.05% |
iShares MSCI World Small Cap£WLDS | $9B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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