Lemonade, Inc.
LMND
NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $4.1B
$53.41
▼ -3.03%
P/E
-28.56
Mkt Cap
$4.1B
52-Wk Range
$46.16–$99.90
52-Week Range
$46.16 - $99.90
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 6.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- AI-powered claims processing and underwriting for faster, more accurate decisions
- Direct-to-consumer digital platform reducing distribution costs and improving customer experience
- Behavioral economics expertise enabling better risk assessment and pricing
- Strong brand recognition among millennials and Gen Z consumers
- Operational efficiency through technology automation versus traditional insurers
Bear Case
1 risk
- Above-average volatility (beta 1.9).
Growth
Strong growth ahead
Expansion of insurance product portfolio across multiple categories
Value
Trading at 0.0x Property & Casualty Insurance peers — a discount despite the growth profile.
Momentum
Stable
+3.8% over 3m
Quality
Strong
High-growth business (55% revenue growth, 48% gross margin). Pre-profit but investing in growth.
Dividend
None
No dividend
Smart-money signal
Who's buying LMND right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 4, 2026
JUL 29, 2026
Reported EPS of -$0.56 vs -$0.56 consensus (+0.8% surprise). Revenue of $294.4M vs $291.0M expected (+1.2%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+0.8%
Revenue trend · last 8Q
—
+29%
+27%
+35%
+42%
+53%
+55%
+67%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$136.6M
$148.8M
$151.2M
$164.1M
$194.5M
$228.1M
$234.4M
$274.0M
Margins · last 8Q
Gross
43.8%
Operating
-15.3%
Profit
-15.8%
Wall Street consensus
5 analysts · 60% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
60%
Hold
40%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jul 15, 2026
vs Industry
How LMND stacks vs Insurance - Property & Casualty
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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