Lemonade, Inc. (LMND) — Stock Score Summary

Lemonade, Inc. (LMND) has a MoatMap StockRank of 14/100 based on Quality (40/100), Value (35/100), and Momentum (23/100) factor scores. The current signal is STRONG SELL. Lemonade is an insurtech player that has consistently struggled to achieve underwriting profitability. It lacks a durable economic moat, relies heavily on reinsurance, and does not generate positive owner earnings.

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.

Key Financial Metrics

Price$53.58
Market Cap$4.5B
P/E (Forward)-137.52
Price/Book7.64
Return on Equity-26.1%
Debt/Equity38.69
Gross Margin53.3%
Operating Margin-11.0%
Revenue Growth70.6%
Free Cash Flow$91M

Lemonade, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Lemonade, Inc.’s (LMND) StockRank?
MoatMap’s StockRank for Lemonade, Inc. (LMND) is 14/100, with a Strong Sell signal. It is a composite of Quality (40), Value (35), and Momentum (23) factor ranks across MoatMap’s 19,000+ stock universe.
Does Lemonade, Inc. have an economic moat?
Lemonade, Inc. (LMND) has a Quality factor score of 40/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Lemonade, Inc. a buy, hold, or sell?
MoatMap’s current signal for Lemonade, Inc. (LMND) is Strong Sell, based on a StockRank of 14/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Lemonade, Inc. in?
Lemonade, Inc. (LMND) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).
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