Lemonade, Inc. (LMND)

NYSE: LMND · USD

$45.3

-0.64 (-1.4%)· Recorded snapshot

Market cap	3.5B
Revenue (ttm)	975M
Net income (ttm)	-138.4M
EPS (ttm)	-$1.83
Shares out	77.4M
Volume	745,908
Beta	1.87

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 975M
Net income (ttm): -138.4M
EPS (ttm): -$1.83
Market cap: 3.5B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 8.7P50 10.4P75 12.8

Trailing P/En/a

P25 10.7P50 13.5P75 31.8

ROE-27

P25 4.9P50 11P75 15.4

ROIC-9.2

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All LMND indicators

Market & fundamental data

Available fields

211

Groups with data

Currency

USD

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001691421
Company name	Lemonade, Inc.
Country	United States
Country code	US
CUSIP number	52567D107
Earnings date	2026-11-05
Earnings time	bmo
Employees	1,282
Employees change	47
Employees growth	3.81%
Enterprise value	$3.4B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2015
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
IPO date	2020-07-02
Is primary listing	Yes
Is SPAC	No
ISIN number	US52567D1072
Last 10-K release date	2026-02-25
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$3.5B
Market cap category	Mid-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$45.27
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	LMND
U.S. state	New York
Website	https://www.lemonade.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	-4.04%
EV/FCF	418.86x
EV/Sales	3.48x
FCF / EV yield	0.24%
FCF yield	0.23%
Forward EV/Sales	2.38x
Forward P/S	2.48x
Industry forward P/E	12.54x
Industry P/E	10.1x
P/B ratio	7.11x
P/FCF ratio	436.29x
P/OCF ratio	166.69x
P/S ratio	3.62x
Price / tangible book value	7.48x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	-10.58%
EBITDA margin	-9.45%
FCF margin	0.83%
Gross margin	51.65%
Operating margin	-10.58%
Pretax margin	-13.67%
Profit margin	-14.19%
Profit per employee	$-107,956
Revenue per employee	$760,530
ROA	-3.27%
ROA (5Y)	-8.73%
ROCE	-9.76%
ROE	-26.96%
ROE (5Y)	-30.83%
ROIC	-9.24%
SBC / revenue	8.34%
Tax / revenue	0.52%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth quarters	5
EPS growth years	3
Net income growth quarters	5
Net income growth years	3
Revenue growth	62.31%
Revenue growth (Q)	79.4%
Revenue growth (QoQ)	14.11%
Revenue growth 3Y	39.11%
Revenue growth 5Y	61.05%
Revenue growth quarters	20
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-13.1M
EBIT	$-103.2M
EBITDA	$-92.1M
EPS	$-1.83
FCF per share	$0.10
Financing cash flow	$116.9M
Free cash flow	$8.1M
Free cash flow minus SBC	$-73.2M
Gross profit	$503.6M
Income taxes	$5.1M
Investing cash flow	$-145.1M
Net borrowing	$82.9M
Net cash flow	$-5.7M
Net income	$-138.4M
Operating cash flow minus SBC	$-60.1M
Operating income	$-103.2M
Revenue	$975M
Stock-based compensation	$81.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$6.46
Debt / equity	0.45
Debt / FCF	27.95
Goodwill	$19M
Interest coverage	-4.45
Net cash (debt)	$141.2M
Net cash / market cap	4%
Net cash growth	-39.61%
Net debt / equity	-0.28
Net debt / FCF	-17.43
Piotroski F-Score	3
Property, plant and equipment	$18.9M
Shareholders' equity	$499.5M
Tangible book value	$472.4M
Tangible book value per share	$6.11
Total assets	$2B
Total cash	$376.8M
Total debt	$226.4M
Total liabilities	$1.5B
WACC	14.15%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.49
Current ratio	1.19
Net working capital	$-185.1M
Quick ratio	0.91
Working capital	$182.5M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-4.58%
Dividend yield	0%
Shareholder yield	-4.58%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$55.62
1D price change	-1.39%
1M price change	0.56%
1M total return	0.56%
1W price change	-0.48%
1W total return	-0.48%
1Y price change	-22.7%
1Y return CAGR	-22.72%
1Y total return	-22.7%
20-day SMA	$45.53
200-day SMA	$58.78
3M price change	-27.12%
3M total return	-27.12%
3Y price change	327.44%
3Y return CAGR	62.27%
3Y total return	327.44%
50-day SMA	$48.13
50-day SMA vs 200-day SMA	50under200
52-week high	$99.90
52-week high date	2026-01-22
52-week low	$42.70
52-week low date	2026-10-14
5Y price change	-25.67%
5Y return CAGR	-5.76%
5Y total return	-25.67%
6M price change	-31.13%
6M total return	-31.13%
All-time high	$188.30
All-time high date	2021-01-12
All-time low	$10.27
All-time low date	2023-10-30
Average true range (ATR)	$1.91
Average volume	1M
Beta (1Y)	1.52
Beta (2Y)	1.56
Beta (5Y)	1.87
Change from 52-week high	-54.68%
Change from 52-week low	6.02%
Change from all-time high	-76.01%
Change from all-time low	340.14%
Change from open	-1.2%
Day's gap	-0.2%
Dollar volume	$33.8M
High price	$46.32
Low price	$45.00
Monthly RSI	48.68
Open price	$45.82
Position in 52-week range	20.45%
Premarket change	-0.76%
Premarket close	$45.91
Premarket price	$45.56
Premarket volume	1.2K
Previous close	$45.91
Price vs 150-day SMA	-18.77%
Price vs 20-day SMA	-0.76%
Price vs 200-day SMA	-23.14%
Price vs 50-day SMA	-6.13%
Relative volume	0.71
Return from IPO open	-8.79%
Return from IPO price	57.45%
RSI	45.65
Sharpe ratio	-0
Sharpe ratio (3Y)	0.9
Sharpe ratio (5Y)	0.26
Sortino ratio	0.08
Sortino ratio (3Y)	1.56
Sortino ratio (5Y)	0.49
Volume	745.9K
Weekly RSI	41.07
YTD price change	-36.53%
YTD total return	-36.53%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	71.8M
Float percentage	92.73%
Shares change (QoQ)	0.89%
Shares change (YoY)	4.58%
Shares held by insiders	5.32%
Shares held by institutions	64.45%
Shares outstanding	77.4M
Short % of float	15.86%
Short % of shares	14.71%
Short ratio	10.7 days

Deeper analysis on LMND

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this LMND report

Is a complete LMND research report available?

No complete published report is available for Lemonade, Inc. (LMND) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Lemonade, Inc. (LMND)

Price

Financial snapshot

Fair-value bridge

Latest news · LMND

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All LMND indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on LMND

Frequently asked questions