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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
54.090
Open
52.880
VWAP
53.28
Vol
721.60K
Mkt Cap
4.13B
Low
52.210
Amount
38.45M
EV/EBITDA(TTM)
--
Total Shares
76.38M
EV
3.90B
EV/OCF(TTM)
--
P/S(TTM)
5.42
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)
2026-02-19
06:30:00
Sees Q1 Adjusted EBITDA of -$48M to -$52M
select
2026-02-19
06:20:00
Company Reports Q4 Revenue of $228M, Beating Estimates
select
2026-02-19
06:20:00
Sees Q1 Adjusted EBITDA of $25M to $22M
select
2026-01-26 (ET)
2026-01-26
09:50:00
Morgan Stanley Analyst Says Tesla/Lemonade Partnership Will Drive Auto Insurance Innovation
select

News

NASDAQ.COM
9.5
03-08NASDAQ.COM
Lemonade Reports Disappointing Q4 Earnings Amidst Rapid Growth
  • Earnings Disappointment: Lemonade's Q4 earnings report revealed a 31% revenue increase to $1.24 billion, yet the company still posted a net loss, disappointing investors and causing a 40% drop in stock price in February.
  • Market Share Growth: Despite losses, Lemonade attracted more customers through its user-friendly online platform, driving strong growth in its insurance business and showcasing its potential to disrupt traditional insurance markets.
  • High Valuation: Lemonade's price-to-book ratio (P/B) was as high as 14 before the Q4 report, and although it has decreased to 7.9, it remains above industry averages, indicating significant risk associated with its stock.
  • Investor Confidence Issues: Management attributes the losses to reinvestments for growth, but investors are concerned about the company's ability to build a sustainable insurance operation, especially when compared to top operators like Progressive, which trades at a P/B of only 4.1.
Fool
9.5
03-08Fool
Lemonade Shares Plunge 40%: Analysis
  • Stock Price Drop: Lemonade's shares plummeted 40% in February due to disappointing Q4 earnings, although the stock is still up nearly 70% over the past year, indicating market expectations for its long-term potential.
  • Premium Growth: The company reported in-force premiums of $1.24 billion last quarter, a 31% year-over-year increase, yet it continues to post net losses, with management attributing this to ongoing reinvestments for growth, raising investor concerns about sustainability.
  • Valuation Analysis: Lemonade's price-to-book (P/B) ratio was 14 prior to the Q4 earnings report, and while it has since dropped to 7.9, it remains above industry averages, highlighting the risks associated with its market pricing.
  • Investment Risk Assessment: Despite Lemonade's rapid growth potential, its ongoing losses and high valuation render it a risky investment choice, especially when compared to industry peers like Progressive, which trades at a P/B of 4.1.
Fool
8.5
03-07Fool
Lemonade's Growth Potential and Stock Outlook
  • Customer Growth Momentum: Lemonade is projected to serve 2.98 million customers by 2025, up from 1 million in 2020, indicating that its digital insurance model has attracted a significant number of younger clients, enhancing its competitive position in the market.
  • Revenue Growth Expectations: Analysts anticipate Lemonade's revenue will grow at a 41% CAGR from 2025 to 2027, with in-force premiums expected to rise from $1.24 billion in 2025 to about $10 billion, reflecting strong market demand and expansion potential.
  • Profitability Improvement: Lemonade expects its adjusted EBITDA to turn positive this year, driven by its AI platform reducing costs and economies of scale kicking in, which will help improve its financial health and attract more investors.
  • Stock Valuation Analysis: If Lemonade's stock rises 18% to $65, its market cap would reach $4.4 billion, still reasonably valued at 3.8 times this year's sales, with a potential 130% upside that could outperform the S&P 500's average annual return.
NASDAQ.COM
8.5
03-07NASDAQ.COM
Lemonade Stock Nearly Doubles Since IPO, Growth Prospects Remain Strong
  • Significant Customer Growth: By the end of 2025, Lemonade's customer base is projected to reach 2.98 million, up from 1 million at the end of 2020, indicating that its digital-first insurance model has successfully attracted a large number of younger clients, enhancing its competitive position in the market.
  • Revenue Growth Expectations: Lemonade anticipates its in-force premium to increase from $1.24 billion in 2025 to approximately $10 billion in the coming years, with a compound annual growth rate of 41%, laying a solid foundation for the company's future profitability.
  • Improving Profitability: The company expects its adjusted EBITDA to turn positive this year, driven by its AI platform reducing costs and achieving economies of scale, which will help improve its financial health and boost investor confidence.
  • Reasonable Market Valuation: With an enterprise value of $4.5 billion, Lemonade's price-to-sales ratio stands at 3.8 times; if the stock rises to $65, the ratio would be 4.4 times, still within a reasonable range, indicating its potential for future growth.
Fool
9.5
03-05Fool
Lemonade's Customer Growth and Profitability Outlook
  • Significant Customer Growth: In Q4 2025, Lemonade's customer count increased by 23% year-over-year, with premiums per customer rising by 7% and revenue growing by 53%, indicating substantial progress in its AI-driven strategy.
  • Optimistic Profit Outlook: Although currently unprofitable, management forecasts positive adjusted EBITDA by Q4 2026, reflecting confidence in future financial performance and potential market positioning.
  • Stock Price Volatility Reasons: Despite encouraging results, Lemonade's stock plummeted by approximately 36% in February, primarily due to investor impatience regarding AI investment returns and a decline in risk asset demand amid geopolitical and macroeconomic uncertainties.
  • Volatility Analysis: With a beta of 2.2, Lemonade's stock exhibits more than double the volatility of the broader market, and while profitability improvements may stabilize this volatility, attention should remain on loss ratios to assess pricing accuracy and profitability trajectory.
NASDAQ.COM
9.5
03-05NASDAQ.COM
Lemonade Reports Strong Q4 Growth Amid Market Challenges
  • Significant Customer Growth: In Q4 2025, Lemonade's customer count increased by 23% year-over-year, and premiums per customer rose by 7%, indicating substantial progress in attracting new clients and enhancing customer value, despite ongoing challenges in profitability.
  • Strong Revenue Increase: The company reported a 53% revenue growth in the same quarter, reflecting the potential of its business model and laying a foundation for future profitability, even as market patience for unprofitable companies wanes.
  • Improved Profitability Outlook: Management forecasts positive adjusted EBITDA by Q4 2026, signaling progress towards profitability, although the company still faces significant market uncertainties.
  • Increased Market Volatility: Lemonade's stock plummeted by approximately 36% in February, primarily due to investor impatience with heavily AI-invested companies, compounded by geopolitical and macroeconomic uncertainties, resulting in significant stock volatility with a beta of 2.2, indicating heightened risk characteristics.
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
Keefe Bruyette
Underperform
maintain
$40 -> $44
AI Analysis
2026-02-24
Reason
Keefe Bruyette
Price Target
$40 -> $44
AI Analysis
2026-02-24
maintain
Underperform
Reason
Keefe Bruyette raised the firm's price target on Lemonade to $44 from $40 and keeps an Underperform rating on the shares. 30%+ growth, sustained low loss ratios, and efficient customer acquisition spend could be "challenging" to achieve in synchrony with intensifying competition, the analyst tells investors in a research note.
Piper Sandler
Neutral
downgrade
$85 -> $65
2026-02-19
Reason
Piper Sandler
Price Target
$85 -> $65
2026-02-19
downgrade
Neutral
Reason
Piper Sandler lowered the firm's price target on Lemonade to $65 from $85 and keeps a Neutral rating on the shares following Q4 results. The firm told investors that the stock traded down due to the company not moving forward its adjusted EBITDA profitability target despite better underwriting and commentary around initiatives to better drive bunding, price and automation that Piper believes investors think will prove costly. However, the firm believes these concerns are "overly simplistic" given Lemonade is arguably the direct-to-consumer personal lines insurance grocery store more and more automating the ecosystem.
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 -40.17, compared to its 5-year average forward P/E of -11.01. 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
-11.01
Current PE
-40.17
Overvalued PE
-1.90
Undervalued PE
-20.13

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
-14.70
Current EV/EBITDA
-77.86
Overvalued EV/EBITDA
1.21
Undervalued EV/EBITDA
-30.61

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
8.23
Current PS
5.46
Overvalued PS
19.55
Undervalued PS
-3.09

Financials

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Quarterly

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Whales Holding LMND

P
PDT Partners, LLC
Holding
LMND
+12.05%
3M Return
S
Softbank Group Capital Limited
Holding
LMND
+8.04%
3M Return
B
BIT Capital GmbH
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LMND
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3M Return

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Frequently Asked Questions

What is Lemonade Inc (LMND) stock price today?

The current price of LMND is 53.55 USD — it has decreased -0.98

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 228.10M USD, increased 53.29

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

Lemonade Inc. EPS for the last quarter amounts to -0.29 USD, decreased -30.95

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

Lemonade Inc (LMND) has 1282 emplpoyees as of March 12 2026.

What is Lemonade Inc (LMND) market cap?

Today LMND has the market capitalization of 4.13B USD.