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LMND Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
59.496
Open
57.500
VWAP
58.02
Vol
1.33M
Mkt Cap
4.46B
Low
56.570
Amount
76.97M
EV/EBITDA(TTM)
--
Total Shares
76.82M
EV
4.26B
EV/OCF(TTM)
141.56
P/S(TTM)
5.14
Lemonade, Inc. offers renters, homeowners, car, pet, and life insurance. The Company operates through the United States, Europe, including the United Kingdom, providing insurance products to customers through various sales channels. The Company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, collecting, and deploying data. Its technology includes Data Advantage, AI Maya, AI Jim, CX.AI, Forensic Graph, Blender, and Cooper. AI Maya, its onboarding and customer experience bot, uses natural language to guide customers in joining the Company. AI Jim, its claims bot, takes the first notice of loss from its customer without human intervention. It offers pet insurance that covers diagnostics, procedures, medication, accidents or illness. Even its basic pet insurance offering covers blood tests, urinalysis, lab work, and computed tomography scans.
Show More

Events Timeline

(ET)
2026-05-12
10:10:00
Lemonade Launches Renters Insurance in Louisiana
select
2026-05-11 (ET)
2026-05-11
10:10:00
Lemonade Launches Renters Insurance in Delaware
select
2026-05-07 (ET)
2026-05-07
14:50:00
Lemonade Launches Renters Insurance Product in West Virginia
select

News

NASDAQ.COM
9.5
08:04 AMNASDAQ.COM
PinnedLemonade's Growth Accelerates with Positive Profit Outlook
  • Accelerated Revenue Growth: Lemonade's in-force premium (IFP) increased by 32% year-over-year in Q1 2026, indicating robust growth in revenue at a rate of 71%, which enhances the company's competitive position in the insurance market as its customer base expands.
  • Cost Control and Profit Outlook: Management anticipates achieving adjusted EBITDA breakeven by the end of this year, with significant cost control evidenced by a decrease in employee count as IFP accelerates, suggesting a promising path to profitability in the near future.
  • Improved Underwriting and Loss Ratio: Lemonade's loss ratio is approaching its target range, with a long-term goal of maintaining it below 70%, and as underwriting improves, the company's profitability is gradually enhancing, showcasing its potential in the insurance sector.
  • AI-Driven Innovation: The company leverages AI algorithms to optimize costs and risk matching, significantly improving customer experience and attracting hundreds of thousands of new members, indicating Lemonade's unique competitive advantage in the traditional insurance industry.
Fool
9.5
08:06 AMFool
Lemonade's Growth and Profitability Outlook in Insurance Sector
  • Insurance Business Potential: Lemonade's in-force premium (IFP) increased by 32% year-over-year in Q1 2026, showcasing its strong growth potential in the traditional insurance sector, attracting hundreds of thousands of new members and enhancing customer experience.
  • Significant Revenue Growth: Although Lemonade has yet to achieve profitability, its revenue has surged by 71%, indicating robust sales performance, even as the market remains cautious due to ongoing losses.
  • Improvement in Loss Ratio: Lemonade aims to maintain a loss ratio below 70%, and recent data shows its gross loss ratio has decreased from 78% to 62%, reflecting progress in underwriting and cost control.
  • Profitability Expectations: Management anticipates reaching break-even adjusted EBITDA by year-end and achieving positive net income next year, which, if realized, could significantly boost market confidence and drive stock price appreciation.
Fool
2.0
05-29Fool
The Choice in Insurance Market 2026
  • Conservative vs. Innovative: Progressive reported nearly $87.6 billion in revenue for FY 2025, a 16.3% increase year-over-year, with a net income of $11.3 billion, showcasing its strong stability in the property and casualty market; however, reliance on Uber's commercial lines adds customer concentration risk.
  • Tech-Driven Challenger: Lemonade generated approximately $737.9 million in revenue for FY 2025, growing at about 40.2% year-over-year, despite a net loss of roughly $165.5 million, it has attracted 3.1 million customers through AI and automation, highlighting its potential in the younger consumer segment.
  • Risks and Opportunities: Progressive faces intense competition from large insurers and potential losses from natural disasters, while Lemonade's reliance on algorithm accuracy poses risks, as any technical failures could impact pricing and underwriting, increasing operational risks.
  • Significant Valuation Differences: Progressive's forward P/E ratio stands at 12.1x, appealing to value-oriented investors, while Lemonade trades at a high 122.4x, reflecting expectations for rapid growth, prompting investors to choose based on their risk appetite.
NASDAQ.COM
8.5
05-29NASDAQ.COM
Insurance Market Competition: Choosing Between Progressive and Lemonade
  • Market Competition Landscape: Progressive dominates the property and casualty insurance market, reporting nearly $87.6 billion in revenue for FY 2025, a 16.3% increase year-over-year, with a net income of approximately $11.3 billion, showcasing its strong profitability and market stability.
  • Tech-Driven Challenger: Lemonade captures younger demographics with its AI-driven model, generating about $737.9 million in revenue for FY 2025, a 40.2% year-over-year increase, despite a net loss of roughly $165.5 million, highlighting the contradiction between its high growth potential and unstable profitability.
  • Financial Health Comparison: As of December 2025, Progressive's debt-to-equity ratio stood at 0.2x and its current ratio was nearly 0.6x, indicating a conservative debt strategy; in contrast, Lemonade's debt-to-equity ratio was 0.3x with a current ratio of 1.5x, reflecting its strong short-term liquidity position.
  • Investor Choice: For risk-averse investors, Progressive's stable cash flow and profitability are more attractive, while those seeking high growth may consider Lemonade, despite its inconsistent profitability.
Newsfilter
1.0
05-26Newsfilter
Lemonade Announces Upcoming Investor Conference Participation
  • Investor Conference Schedule: Lemonade's Co-Founder and CEO Daniel Schreiber and CFO Tim Bixby will participate in several upcoming investor conferences, including the Baird 2026 Global Consumer, Technology & Services Conference on June 2, 2026, featuring one-on-one meetings.
  • Joint Fireside Chat: At the Piper Sandler Global Exchange & Fintech Conference on June 3, 2026, Schreiber and Bixby will engage in a joint fireside chat starting at 11:30 am ET, with a webcast available for participants to access.
  • Financial Conference Participation: Lemonade will also attend the Morgan Stanley US Financials Conference on June 10, 2026, which will include one-on-one meetings and a joint fireside chat scheduled for 9 am ET, with a webcast provided for viewers.
  • Webcast Replay Availability: Webcast replays will be available approximately two hours after each presentation concludes and will remain accessible for three months, enhancing investor engagement and accessibility to the discussions.
Fool
8.5
05-25Fool
Lemonade's Optimistic Future Outlook Amidst Market Volatility
  • Significant Customer Growth: Lemonade's customer base surged from 1 million at the end of 2021 to 3.14 million in Q1 2026, achieving a 56% year-over-year growth, indicating its success in attracting younger and first-time insurance buyers, thereby enhancing its market competitiveness.
  • Sustained Premium Growth: The company's in-force premiums (IFP) and gross earned premiums (GEP) consistently grew at double-digit rates, with expectations for a 32% increase in IFP and a 30%-31% rise in GEP by 2026, showcasing the sustainability of its business model and strong market demand.
  • Acquisition Expands Business: The 2022 acquisition of Metromile significantly bolstered Lemonade's auto insurance segment, broadening its product offerings and increasing market share, reflecting strategic decisions in diversifying insurance products.
  • Improving Profitability: Lemonade's gross loss ratio has declined annually from 71% in 2020 to 64% in 2024, while adjusted gross margins are projected to reach 41% by 2028, indicating enhanced operational efficiency and a promising outlook for future profitability.
Wall Street analysts forecast LMND stock price to rise
6 Analyst Rating
Wall Street analysts forecast LMND stock price to rise
2 Buy
3 Hold
1 Sell
Hold
Current: 0.000
sliders
Low
40.00
Averages
77.60
High
98.00
Current: 0.000
sliders
Low
40.00
Averages
77.60
High
98.00
Morgan Stanley
Overweight
downgrade
$85 -> $80
AI Analysis
2026-05-08
Reason
Morgan Stanley
Price Target
$85 -> $80
AI Analysis
2026-05-08
downgrade
Overweight
Reason
Morgan Stanley lowered the firm's price target on Lemonade to $80 from $85 and keeps an Overweight rating on the shares.
Piper Sandler
Neutral
downgrade
$65 -> $62
2026-04-30
Reason
Piper Sandler
Price Target
$65 -> $62
2026-04-30
downgrade
Neutral
Reason
Piper Sandler lowered the firm's price target on Lemonade to $62 from $65 and keeps a Neutral rating on the shares following quarterly results. The firm notes the beat on adjusted EBITDA versus Piper's estimates and consensus was driven by strong underwriting results and an increase in net customers added. Guidance suggests upside for both revenue and adjusted EBITDA. Investor concerns seem focused on the increasing stock compensation costs and concerns that Q2 EBITDA guidance implies significantly needed operating leverage to achieve their goal of positive Q4 adjusted EBITDA, adds the firm.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for LMND
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Valuation Metrics

The current forward P/E ratio for Lemonade Inc (LMND.N) is 0.00, compared to its 5-year average forward P/E of -10.38. For a more detailed relative valuation and DCF analysis to assess Lemonade Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-10.38
Current PE
0.00
Overvalued PE
-1.55
Undervalued PE
-19.21

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
-16.49
Current EV/EBITDA
-27.59
Overvalued EV/EBITDA
6.26
Undervalued EV/EBITDA
-39.25

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
6.40
Current PS
2.76
Overvalued PS
15.09
Undervalued PS
-2.29

Financials

AI Analysis
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Quarterly

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Whales Holding LMND

B
BIT Capital GmbH
Holding
LMND
+30.38%
3M Return
P
PDT Partners, LLC
Holding
LMND
+9.63%
3M Return
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Softbank Group Capital Limited
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LMND
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Frequently Asked Questions

What is Lemonade Inc (LMND) stock price today?

The current price of LMND is 58 USD — it has decreased -0.07

What is Lemonade Inc (LMND)'s business?

Lemonade, Inc. offers renters, homeowners, car, pet, and life insurance. The Company operates through the United States, Europe, including the United Kingdom, providing insurance products to customers through various sales channels. The Company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, collecting, and deploying data. Its technology includes Data Advantage, AI Maya, AI Jim, CX.AI, Forensic Graph, Blender, and Cooper. AI Maya, its onboarding and customer experience bot, uses natural language to guide customers in joining the Company. AI Jim, its claims bot, takes the first notice of loss from its customer without human intervention. It offers pet insurance that covers diagnostics, procedures, medication, accidents or illness. Even its basic pet insurance offering covers blood tests, urinalysis, lab work, and computed tomography scans.

What is the price predicton of LMND Stock?

Wall Street analysts forecast LMND stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LMND is77.60 USD with a low forecast of 40.00 USD and a high forecast of 98.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Lemonade Inc (LMND)'s revenue for the last quarter?

Lemonade Inc revenue for the last quarter amounts to 258.00M USD, increased 70.63

What is Lemonade Inc (LMND)'s earnings per share (EPS) for the last quarter?

Lemonade Inc. EPS for the last quarter amounts to -0.47 USD, decreased -45.35

How many employees does Lemonade Inc (LMND). have?

Lemonade Inc (LMND) has 1282 emplpoyees as of June 01 2026.

What is Lemonade Inc (LMND) market cap?

Today LMND has the market capitalization of 4.46B USD.