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Home CompaniesLemonade Inc

Lemonade Inc

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
41.02 USD 0.36 ( 0.89%)
Last update at 2026-11-12T15:46:00Z
VOLUME
221687
Market Cap
3849.71M

Momentum Score

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Lemonade, Inc. provides various insurance products in the United States, Europe, and the United Kingdom. The company provides renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also offers insurance for stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
39.67
Low
41.12
High
52 Week Price Range
46.16
Low
99.90
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Lemonade Inc operates a digital insurance platform that uses AI to underwrite and distribute renters, homeowners, pet and life insurance. Long-term growth drivers include expanding product lines and international presence, increasing policy scale, and improving data-driven underwriting efficiency. The technology-first model may appeal to younger customers and could support lower acquisition costs as scale grows.

Primary risks are continued underwriting losses and an uncertain path to sustained profitability amid competition, regulatory scrutiny and reinsurance or capital-market exposure.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
40.66
Dividend Yield
-
Revenue TTM
975.00M
Revenue Per Share
12.88
Gross Profit TTM
503.60M
Debt / Equity
0.34
ROE
-26.96%
Net Debt
-202.90M
ROCE
-22.48%
Diluted EPS TTM
-1.82

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -160.90M -203.90M -229.80M -294.80M -233.60M
Net income -165.50M -202.20M -236.90M -297.80M -241.30M
Selling general administrative 139.80M 124.50M 129.30M 122.30M 72.60M
Selling and marketing expenses 224.40M 166.30M 101.90M 138.30M 141.60M
Gross profit 297.20M 172.70M 90.20M 256.70M 128.40M
Reconciled depreciation 15.20M 20.00M 20.00M 12.20M 3.70M
Ebit -160.90M -203.90M -229.80M -294.80M -233.60M
Ebitda -145.70M -183.90M -209.80M -282.60M -229.90M
Depreciation and amortization 15.20M 20.00M 20.00M 12.20M 3.70M
Operating income -160.90M -203.90M -229.80M -294.80M -233.60M
Other operating expenses 898.80M 730.40M 659.60M 551.50M 362.00M
Interest expense - - - - 0.00M
Tax provision 4.60M -1.70M 7.10M 3.00M 7.70M
Interest income 8.20M 8.30M 4.20M 1.20M 0.40M
Income tax expense 4.60M -1.70M 7.10M 3.00M 7.70M
Total revenue 737.90M 526.50M 429.80M 256.70M 128.40M
Total operating expenses 458.10M 376.60M 320.00M 266.00M -362.00M
Cost of revenue 440.70M 353.80M 339.60M - -
Total other income expense net - -203.90M -287.10M - -
Net income from continuing ops -165.50M -202.20M -236.90M -297.80M -241.30M
Net income applicable to common shares - - - -297.80M -241.30M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1925.70M 1849.10M 1298.60M 1690.70M 1510.50M
Intangible assets 20.20M 25.80M 22.90M 32.50M 0.60M
Other current assets 167.50M 272.20M 821.20M 164.50M -629.20M
Total liab 1392.10M 1255.70M 589.70M 823.90M 522.30M
Total stockholder equity 533.60M 593.40M 708.90M 866.80M 988.20M
Other current liab 602.30M 640.00M 145.30M -19.50M -19.70M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings -1464.30M -1298.80M -1096.60M -859.70M -561.90M
Other liab - - - 85.30M 155.30M
Good will 19.00M 19.00M 19.00M 19.00M -
Other assets 1083.70M 1849.10M 0.00M 1053.70M -629.20M
Cash 385.00M 376.00M 271.50M 282.50M 270.60M
Total current liabilities 1210.00M 1148.50M 201.20M 19.50M 19.70M
Current deferred revenue 580.80M 458.10M 7.10M - -
Net debt -202.90M -268.80M -228.40M -247.30M -248.30M
Short term debt 165.30M 92.40M 25.00M - -
Short long term debt total 182.10M 107.20M 43.10M 35.20M 22.30M
Other stockholder equity 1991.50M 1898.30M 1814.50M 1754.10M 1553.50M
Property plant equipment - - - 19.60M 11.70M
Total current assets 1843.30M 1762.30M 821.20M 565.90M 1303.70M
Long term investments 722.90M 634.90M 673.20M 750.10M 801.80M
Net tangible assets - - - 815.30M 987.60M
Short term investments 722.90M 634.90M 301.30M 750.10M 801.80M
Net receivables 567.90M 479.20M 381.30M 362.40M 231.30M
Long term debt 158.10M 83.40M 14.90M 136.00M 103.10M
Inventory - - -1319.00M - -
Accounts payable 26.90M 31.10M 23.80M 19.50M 19.70M
Accumulated other comprehensive income 6.40M -6.10M -9.00M -27.60M -3.40M
Retained earnings total equity - - - -859.70M -561.90M
Non currrent assets other 1.10M 4.00M 35.80M -776.50M -836.00M
Non current assets total 82.40M 86.80M 477.40M 71.10M 836.00M
Capital lease obligations 24.00M 23.80M 28.20M 35.20M 22.30M
Long term debt total - - - 136.00M 103.10M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -79.70M 40.60M 88.70M 92.40M -795.40M
Change to liabilities - - - 89.80M 97.60M
Total cashflows from investing activities -89.10M 40.60M 88.70M 181.10M -804.80M
Net borrowings 74.70M 68.40M 14.90M - -
Total cash from financing activities 106.60M 87.70M 15.40M 3.60M 649.60M
Change to operating activities - - - 24.10M -3.50M
Net income -165.50M -202.20M -236.90M -297.80M -241.30M
Change in cash 11.10M 114.20M -15.00M 15.90M -300.80M
Begin period cash flow 385.70M 271.50M 286.50M 270.60M 571.40M
End period cash flow 396.80M 385.70M 271.50M 286.50M 270.60M
Total cash from operating activities -16.50M -11.40M -119.10M -163.00M -144.60M
Issuance of capital stock - - 0.00M 0.00M 640.30M
Depreciation 15.20M 20.00M 20.00M 12.20M 3.70M
Other cashflows from investing activities -79.70M 50.00M - 98.80M -
Change to inventory - - 54.80M - 121.20M
Change to account receivables -106.20M -122.20M -32.10M -96.40M -88.00M
Sale purchase of stock - - - 3.60M 649.60M
Other cashflows from financing activities 106.60M 19.30M 0.50M 3.60M 9.30M
Change to netincome - - - 68.00M 46.10M
Capital expenditures 9.40M 9.40M 9.20M 10.10M 9.40M
Change receivables - - - -111.30M -146.30M
Cash flows other operating - - - 69.40M 30.60M
Cash and cash equivalents changes - - - 21.70M -299.80M
Change in working capital 58.50M 101.10M 28.70M 47.90M 46.90M
Stock based compensation 61.30M 64.50M 59.90M 59.30M 44.10M
Other non cash items 14.00M 5.20M 9.20M 15.40M 6.20M
Free cash flow -25.90M -20.80M -128.30M -173.10M -154.00M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
LMND
Lemonade Inc		 0.36
0.89%		 41.02 - - 3.95 7.75 3.83
CB
Chubb Ltd		 2.37
0.64%		 372.70 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 1.76
0.75%		 235.29 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.53 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -
-%		 3.72 28.73 12.25 0.01 1.87 1.61

Profile*

Lemonade Inc

Lemonade, Inc. provides various insurance products in the United States, Europe, and the United Kingdom. The company provides renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also offers insurance for stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

5 Crosby Street, New York, NY, United States, 10013

844 733 8666

https://www.lemonade.com

1282

Name Title Year Born
Mr. Daniel Asher Schreiber Co-Founder, Chairman & Co-CEO 1971
Mr. Shai Wininger Co-Founder, Pres, Co-CEO, CTO, Sec., Treasurer & Director 1974
Mr. Timothy E. Bixby Chief Financial Officer 1965
Ms. Adina Eckstein Chief Operating Officer 1986
Mr. John Sheldon Peters Chief Insurance Officer 1972
Mr. Jorge Espinel Chief Bus. Devel. Officer 1972
Mr. William David Latza Chief Compliance Officer & Gen. Counsel NA
Ms. Yael Wissner-Levy Head of Content and Communications NA
Gavin Blair Sr. VP of Customer Operations NA
Mr. Sean Parker Burgess Chief Claims Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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