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Lemonade, Inc.
LMND
NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $5.3B
$71.52
▲ +3.16%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$35.70 - $99.90
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 65.1% 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
2 risks
- Above-average volatility (beta 1.8).
- Growth premium of 0.0x vs Property & Casualty Insurance peers. Reasonable for this growth rate.
Growth
Strong growth ahead
Expansion of insurance product portfolio across multiple categories
Value
Growth premium of 0.0x vs Property & Casualty Insurance peers. Reasonable for this growth rate.
Momentum
Strong
+12.8% over 3m
Quality
Strong
High-growth business (47% 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: Aug 4, 2026
APR 29, 2026
Reported EPS of -$0.47 vs -$0.58 consensus (+19.0% surprise). Revenue of $258.0M vs $251.5M expected (+2.6%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+19.0%
Next: Aug 4, 2026
Revenue trend · last 8Q
—
—
+29%
+27%
+35%
+42%
+53%
+55%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$122.0M
$136.6M
$148.8M
$151.2M
$164.1M
$194.5M
$228.1M
$234.4M
Margins · last 8Q
Gross
43.1%
Operating
-14.8%
Profit
-15.3%
Wall Street consensus
7 analysts · 57% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
57%
Hold
29%
Sell
14%
Median Price Target
$72.50
▲ +1.4% vs $71.52
Latest: TD Cowen · Jun 8, 2026
3 analysts covering
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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