Lemonade, Inc. LMND R2KR3KFINANCIAL
Company Overview
Lemonade, Inc. provides various insurance products in the United States, Europe, Louisiana, 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.
Why Investors Should Care
Net profit has compounded at 14.8% per year over the last five years.
Revenue has grown at a 42.2% CAGR over the past five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $737.90M (+40.2% YoY); net profit $-165.50M.
- Trailing 12 Months Year-on-year growth — revenue +79.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 42.2%, profit CAGR 14.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 42.19% |
| 1 Year: | 79.40% |
Compounded Profit Growth
| 5 Years: | 14.81% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -10.54% |
| 6 Months: | -3.12% |
| 3 Months: | +3.79% |
| 1 Month: | +2.99% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)48.00 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 42.2% over 5 years.
- Profit CAGR of 14.8% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 44.7% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LMND Lemonade, Inc. R2KR3KFINANCIAL | 53.41 | -29.35 | $4.13B | 0.00% | - | -26.96% | 42.19% | 14.81% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 13.80M | 19.00M | 26.20M | 29.90M | 17.80M | 23.50M | 28.20M | 35.70M | 44.30M | 50.00M | 74.00M | 95.20M | 104.60M | 114.50M | 119.10M | 122.00M | 136.60M | 151.20M | 164.10M | 194.50M | 228.10M | 258.00M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -61.40M | -42.60M | -36.30M | -20.60M | -34.60M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.00M | 1.30M | 1.20M | 1.10M | 1.20M | - |
| Net Income | -21.60M | -23.10M | -31.10M | -36.50M | -21.00M | -30.90M | -49.00M | -55.60M | -66.40M | -74.80M | -67.90M | -91.40M | -65.80M | -67.20M | -61.50M | -47.30M | -57.20M | -67.70M | -62.40M | -43.90M | -37.50M | -21.70M | -35.80M | - |
| Diluted EPS | - | - | - | -3.16 | -1.77 | -0.57 | -0.81 | -0.90 | -1.08 | -1.21 | -1.10 | -1.37 | -0.95 | -0.97 | -0.88 | -0.67 | -0.81 | -0.95 | -0.86 | -0.60 | -0.51 | - | -0.47 | -0.56 |
| R&D Expense | - | 2.10M | 2.80M | 3.50M | 4.20M | 5.30M | 7.10M | 14.00M | 14.30M | 16.90M | 17.80M | 21.40M | 21.80M | 24.10M | 21.80M | 20.90M | 21.20M | 21.90M | 22.00M | 22.40M | 24.70M | - | 26.90M | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 22.50M | 67.30M | 94.40M | 128.40M | 256.70M | 429.80M | 526.50M | 737.90M |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - |
| Pretax Income | - | - | - | - | -294.80M | -229.80M | -203.90M | -160.90M |
| Tax Provision | - | - | - | - | 3.00M | 7.10M | -1.70M | 4.60M |
| Net Income | -52.90M | -108.50M | -122.30M | -241.30M | -297.80M | -236.90M | -202.20M | -165.50M |
| Diluted EPS | - | -9.75 | -3.63 | -3.94 | -4.59 | -3.40 | -2.85 | -2.24 |
| R&D Expense | 4.70M | 9.80M | 19.40M | 51.80M | 79.60M | 88.80M | 85.80M | 93.90M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 414.30M | 828.70M | 1.51B | 1.69B | 1.63B | 1.85B | 1.93B |
| Total Equity | -28.40M | -79.10M | -182.50M | 541.00M | 988.20M | 866.80M | 708.90M | 593.40M | 533.60M |
| Cash & Equivalents | - | - | 270.00M | 570.80M | 270.60M | 282.50M | 264.50M | 376.00M | 385.00M |
| Total Liabilities | - | - | 116.60M | 287.70M | 522.30M | 823.90M | 924.40M | 1.26B | 1.39B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -40.80M | -78.10M | -91.70M | -144.60M | -163.00M | -119.10M | -11.40M | -16.50M |
| Investing Cash Flow | 6.40M | -54.00M | 50.10M | -804.80M | 181.10M | 88.70M | 40.60M | -89.10M |
| Financing Cash Flow | 119.90M | 300.10M | 341.10M | 649.60M | 3.60M | 15.40M | 87.70M | 106.60M |
| Capital Expenditure | -700.00K | -2.70M | -4.40M | -9.40M | -10.10M | -9.20M | -9.40M | -9.40M |
| Free Cash Flow | -41.50M | -80.80M | -96.10M | -154.00M | -173.10M | -128.30M | -20.80M | -25.90M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Net Margin % | -235.1% | -161.2% | -129.6% | -187.9% | -116.0% | -55.1% | -38.4% | -22.4% |
| ROE % | 66.9% | 59.5% | -22.6% | -24.4% | -34.4% | -33.4% | -34.1% | -31.0% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.81% | 6.05M | $320.29M |
| 2 | JPMORGAN CHASE & CO | 6.97% | 5.39M | $285.60M |
| 3 | Vanguard Portfolio Management LLC | 4.06% | 3.14M | $166.33M |
| 4 | Vanguard Capital Management LLC | 3.97% | 3.07M | $162.65M |
| 5 | BAILLIE GIFFORD & CO | 3.55% | 2.75M | $145.69M |
| 6 | Goldman Sachs Group Inc | 2.50% | 1.93M | $102.46M |
| 7 | State Street Corporation | 2.29% | 1.77M | $93.70M |
| 8 | Geode Capital Management, LLC | 2.24% | 1.73M | $91.65M |
| 9 | Morgan Stanley | 1.57% | 1.21M | $64.23M |
| 10 | Two Sigma Investments, LP | 1.52% | 1.17M | $62.17M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for LMND
Reflecting On Property & Casualty Insurance Stocks’ Q2 Earnings: Lemonade (NYSE:LMND) - Yahoo Finance
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Lemonade (NYSE: LMND) executive to sell $122K in stock - Stock Titan
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How Lemonade’s Florida and Missouri Car Launches Could Impact Lemonade (LMND) Investors - simplywall.st
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20,873 Shares in Lemonade, Inc. $LMND Acquired by Odyssean LLC - marketbeat.com
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Lemonade Inc (LMND) Stock Up 3.5% and Still Undervalued -- GF Sc - GuruFocus
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Trading the Move, Not the Narrative: (LMND) Edition - Stock Traders Daily
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LMND — Frequently Asked Questions
What is the current share price of Lemonade, Inc. (LMND)?
As of 2026-09-07 16:24 PDT, Lemonade, Inc. (LMND) trades at $53.41 on NYSE. Its 52-week range is $47.38 to $96.57.
What is the market capitalisation of LMND?
Lemonade, Inc. (LMND) has a market capitalisation of $4.13B on NYSE.
What is the P/E ratio of LMND?
LMND trades at a trailing price-to-earnings (P/E) ratio of -29.35. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 7.53.
What is the return on equity (ROE) of LMND?
LMND has a return on equity (ROE) of -26.96%.
Is LMND a good stock to buy?
This page provides a data-driven analysis of Lemonade, Inc. (LMND), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.