Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LMND
STRONG SELLLemonade, Inc. · Financial Services · United States · $4.6B · Avg Vol: $84M/d
COMPANY DESCRIPTION
Lemonade, Inc. is an insurance company that leverages artificial intelligence, behavioral economics, and digital-first platforms to offer renters, homeowners, car, pet, and life insurance. The company replaces traditional brokers with conversational AI bots, enabling rapid policy issuance and claims processing. Its competitive moat is built on its proprietary data-driven underwriting models and a unique charitable giveback program that aligns incentives with policyholders.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 256.7M | 429.8M | 526.5M | 737.9M | 42.2% | 844.7M | 1.2B | 1.6B | 48.2% |
| EPS | -4.59 | -3.40 | -2.85 | -2.24 | — | -1.85 | -1.73 | -0.82 | — |
| Shares | 69.3M | 70.2M | 72.7M | 75.9M | +9.6% | 76.8M | — | — | — |
| Debt | 35.2M | 43.1M | 107.2M | 182.1M | 73.0% | 200.4M | — | — | — |
| Equity | 866.8M | 708.9M | 593.4M | 533.6M | -14.9% | — | — | — | — |
| Op CF | -163.0M | -119.1M | -11.4M | -16.5M | — | 30.1M | — | — | — |
| Inv CF | 181.1M | 88.7M | 40.6M | -89.1M | — | — | — | — | — |
| Fin CF | 3.6M | 15.4M | 87.7M | 106.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LMND are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LMND | Lemonade, Inc.(you) | $4.6B | 8 | STRONG SELL |
| KMPR | Kemper Corporation | $1.7B | 30 | SELL |
| RLI | RLI Corp. | $5.7B | 48 | HOLD |
| KNSL | Kinsale Capital Group, Inc. | $8.0B | 46 | HOLD |
| TRUP | Trupanion, Inc. | $1.0B | 31 | SELL |
| PRCH | Porch Group, Inc. | $1.3B | 37 | HOLD |
| HGTY | Hagerty, Inc. | $4.0B | 60 | HOLD |
| PLMR | Palomar Holdings, Inc. | $3.6B | 64 | HOLD |
| MKL | Markel Group Inc. | $25.0B | 44 | HOLD |
| AFG | American Financial Group, Inc. | $11.9B | 64 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%