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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
81.230
Open
78.090
VWAP
78.23
Vol
1.84M
Mkt Cap
5.96B
Low
75.870
Amount
143.62M
EV/EBITDA(TTM)
--
Total Shares
76.82M
EV
5.85B
EV/OCF(TTM)
194.39
P/S(TTM)
6.97
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)
2026-07-07
08:30:00
Lemonade Launches Renters Insurance in Vermont
select
2026-06-29 (ET)
2026-06-29
17:00:00
Lemonade Launches Renters Insurance in Mississippi
select
2026-06-22 (ET)
2026-06-22
08:30:00
Lemonade Launches Tesla Autonomous Car Insurance in Colorado
select
2026-06-11 (ET)
2026-06-11
13:30:00
Lemonade Launches Renters Insurance in Montana
select
2026-06-10 (ET)
2026-06-10
10:10:00
Lemonade Stock Rises 12.5%
select
2026-06-03 (ET)
2026-06-03
09:20:00
Lemonade Launches Tesla Autonomous Car Insurance in Indiana
select

News

NASDAQ.COM
9.5
07-06NASDAQ.COM
PinnedLemonade's Profitability and Bargaining Power on the Rise
  • Reinsurance Agreement Improvement: Lemonade announced on June 30 that it renewed its reinsurance program, now ceding about 18% of premiums to reinsurers, down from 20%, which is set to boost profits while reducing risks.
  • Significant Revenue Growth: In Q1, Lemonade's revenue soared 71% to $258 million, driven by a 23% increase in customer count and a 32% rise in in-force premiums to $1.3 billion, showcasing strong market performance.
  • Optimistic Profit Outlook: Management indicated that Lemonade is on track to achieve positive EBITDA in Q4, reflecting steady progress towards profitability goals and enhancing investor confidence.
  • Increased Market Appeal: As the company scales and improves its profitability, investor interest in Lemonade's future earnings potential is growing, further driving its stock price upward.
Fool
9.5
07-06Fool
Lemonade's Reinsurance Renewal Enhances Profitability
  • Reinsurance Agreement Optimization: Lemonade's renewed reinsurance agreement reduces the premium ceded to reinsurers from 20% to 18%, enhancing the company's profitability while also increasing its catastrophe protection, which is expected to positively impact shareholders.
  • Profitability Enhancement: The new terms improve Lemonade's reinsurance economics, coverage, and capital efficiency, with CFO Tim Bixby stating that this will provide the company with more attractive conditions on a risk-adjusted basis, thereby enhancing overall financial performance.
  • Significant Revenue Growth: Lemonade's revenue soared 71% year-over-year to $258 million in Q1, driven by a 23% increase in customer count and a 32% rise in in-force premium, demonstrating its strong competitive position in the market.
  • Positive EBITDA Outlook: Management indicated in the Q1 shareholder letter that Lemonade is on track to achieve positive earnings before interest, taxes, depreciation, and amortization (EBITDA) in Q4, marking further improvement in the company's profitability and boosting investor confidence.
Fool
7.5
07-04Fool
Lemonade's Reinsurance Overhaul Enhances Profitability Potential
  • Reinsurance Program Update: Lemonade announced a renewal of its reinsurance program, reducing the quota share cession from 20% to 18%, allowing the company to retain more premium income and significantly enhance profitability.
  • Positive Investor Reaction: Following this major announcement, Lemonade's stock surged nearly 24% during the holiday-shortened trading week, indicating market optimism regarding the company's future financial performance.
  • Expanded Protection Scope: The new agreement not only lowers the quota share but also broadens protections against catastrophic and major weather events, enhancing the company's risk management capabilities and solidifying its position as an effective underwriter.
  • Optimistic Financial Outlook: Although the company did not provide specific financial impact estimates, the new reinsurance arrangement will undoubtedly improve its financial health, reflecting the reinsurer's confidence in its underwriting capabilities and potentially attracting more investor interest.
NASDAQ.COM
8.5
07-04NASDAQ.COM
Lemonade Renegotiates Reinsurance Program, Stock Surges
  • Reinsurance Program Renegotiation: Lemonade successfully renegotiated its reinsurance program, lowering the quota share cession from 20% to 18%, allowing the company to retain more premium income and significantly enhance profitability.
  • Stock Price Surge: Following this major announcement, Lemonade's stock surged nearly 24% during the holiday-shortened trading week, reflecting strong investor confidence in the company's future financial performance.
  • Expanded Protection: The new agreement not only reduces the quota share but also broadens protection against catastrophic and major weather events, indicating that the reinsurer has increased confidence in Lemonade as an effective underwriter.
  • Positive Financial Impact: Although Lemonade did not provide specific estimates on financial impacts, the new reinsurance agreement is expected to positively affect the company's financial condition, further solidifying its competitive position in the insurance market.
Fool
9.5
07-02Fool
Lemonade Stock Rises on Improved Reinsurance Agreement
  • Stock Surge: Lemonade's shares jumped 12% in June according to S&P Global Market Intelligence, reflecting positive market sentiment towards its reinsurance program and increasing investor confidence in the company's future profitability.
  • Reinsurance Agreement Improvement: The new agreement with reinsurers reduces the ceding rate from 20% to 18%, allowing Lemonade to retain more gross profit, which directly enhances its financial position and profitability potential.
  • Positive Profit Outlook: Although Lemonade is not yet profitable, management is guiding for positive adjusted EBITDA by year-end and net income next year, indicating a clear path and confidence towards achieving profitability.
  • Sustained Growth Momentum: The in-force premium (IFP) has been accelerating for 10 consecutive quarters, and as new products are rolled out and user acquisition increases, revenue growth is expected to continue, despite the challenge of high rollout costs.
NASDAQ.COM
9.5
07-02NASDAQ.COM
Lemonade Renegotiates Reinsurance, Stock Jumps
  • Reinsurance Program Optimization: Lemonade renegotiated its reinsurance agreement to reduce ceded premiums from 20% to 18%, allowing the company to retain more gross profit, which directly enhances its bottom line and financial stability.
  • Accelerating Customer Growth: The company is rapidly onboarding new customers, with in-force premiums (IFP) increasing at an accelerated rate for ten consecutive quarters, laying a solid foundation for future revenue growth, despite high rollout expenses remaining a challenge.
  • Positive Profit Outlook: Management is guiding for positive adjusted EBITDA by year-end and net income next year, indicating ongoing improvements in profitability, which the market has reacted positively to.
  • AI Technology Support: Lemonade is leveraging AI algorithms to reduce loss ratios and maintain steady operating costs, and with the higher gross profits from new agreements, the company is likely to achieve its profitability goals, further driving stock price increases.
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 -9.98. 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
-9.98
Current PE
0.00
Overvalued PE
-1.47
Undervalued PE
-18.49

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
-16.43
Current EV/EBITDA
-34.24
Overvalued EV/EBITDA
6.29
Undervalued EV/EBITDA
-39.14

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
5.54
Current PS
3.40
Overvalued PS
12.16
Undervalued PS
-1.08

Financials

AI Analysis
Annual
Quarterly

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Whales Holding LMND

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BIT Capital GmbH
Holding
LMND
+38.33%
3M Return

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Frequently Asked Questions

What is Lemonade Inc (LMND) stock price today?

The current price of LMND is 77.59 USD — it has decreased -1.41

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 July 08 2026.

What is Lemonade Inc (LMND) market cap?

Today LMND has the market capitalization of 5.96B USD.