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Company Analysis

Lemonade, Inc. LMND

A comprehensive view of key metrics, scores, and financial health for Lemonade, Inc.

Overview of Lemonade, Inc.

LMND NYQ
Financial Services Insurance - Property & Casualty Mid Cap
Lemonade, Inc. (LMND), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $65.77, about 89.1% overvalued vs fair value, +125.1% 1Y return, ranked 911/1037 in sector.
Metrics Rev Growth 31.7% ROE -29.7% Gross Margin 36.3%
$65.77
0.26%
As of April 28, 2026
Previous close • Vol 90d: 77.8%
52-Week Range
Market Cap
$5.05B
Enterprise Value
$4.81B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 70%
Confidence: 82%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.lemonade.com
HQ New York, NY
Employees 1,282
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $65.77 -89% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$693.5M
31.7%%
Claims & Losses
$-442.0M
24.9%%
Acquisition & Admin Expenses
$-290.8M
Underwriting Result
$-163.7M
19.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
63.7%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.6M

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Lemonade, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Weak
12
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing LMND's balance between Growth (57.2%), Profitability (2.1%), and Safety (40.8%). Growth 57% Safety 41% Profitability 2%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
62
Key Signals
Rev Growth YoY 31.7% 95p Revenue CAGR 3Y 39.3% 91p EPS Growth YoY 16.3% 26p Asset Growth YoY 4.1% 33p Equity Growth YoY -16.3% 2p
Strengths
  • Rev Growth YoY in top 20% of peers (31.7%, 95th percentile)
  • Revenue CAGR 3Y in top 20% of peers (39.3%, 91th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks
  • Equity Growth YoY in bottom 20% of peers (-16.3%)

Profitability

2th percentile vs peers
2
Key Signals
Strengths
Risks
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Safety

44th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lemonade, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$7.20
- - -
-89.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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