LMND$51.74
$51.37
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AI LMND Summary
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Powered by LiveAIOverall Analysis
BuyLemonade, Inc. exhibits strong growth potential driven by its innovative insurance model and expanding market presence. While currently unprofitable, improving revenue and user growth metrics suggest a positive trajectory. Technical indicators are mixed, indicating a need for careful entry timing.
Thematic
Lemonade operates at the intersection of technology, insurance, and changing consumer preferences, positioning it favorably for long-term secular growth.
Fundamental
Lemonade is demonstrating significant revenue growth and improving operational efficiency, though it remains unprofitable. A strong cash position and increasing customer base are positive indicators.
Technical
The stock exhibits a mixed technical profile. While long-term trends suggest potential, short-term indicators point to possible choppiness and a need for careful entry.
| Factor | Score |
|---|---|
| Insurtech Disruption | 95 |
| Digital Transformation in Insurance | 90 |
| Embedded Insurance Opportunities | 80 |
| Gig Economy & Renters Insurance | 75 |
| Regulatory Landscape (Insurance) | 75 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 30 |
| Growth | 85 |
| Balance Sheet Health | 80 |
| Cash Flow | 45 |
| Earnings Per Share (EPS) | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 65 |
| Momentum | 50 |
| Volume Confirmation | 55 |
| Support & Resistance | 60 |
| Moving Averages | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (8)
Strong Recent Performance
The stock has shown positive performance over multiple short-term periods, with a 5-day performance of 0.87% and a Year-to-Date (YTD) performance of 11.46%.
Significant Long-Term Growth
The stock has achieved a substantial 1-year return of 73.19%, indicating strong investor confidence and a positive long-term trend.
Bearish Points (8)
Persistent Net Losses
The company has consistently reported net losses, with a Net Income of -$160.1 million in TTM and -$202.2 million in 2024. Net margins remain significantly negative across all reported periods.
High Price-to-Sales Ratio
The Price-to-Sales (P/S) ratio is 6.8 on a TTM basis and 5.1 for 2024, indicating that the stock is valued at a premium relative to its revenue, especially considering the lack of profitability.
Calendar
August 2025
5
Next Earnings Date
H: $-0.76
A: $-0.76
L: $-0.76
H: 169.00M
A: 160.80M
L: 157.60M
Profile
Lemonade, Inc. provides various insurance products in the United States, Europe, and the United Kingdom. The company offers renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also provides insurance for stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.
Seasonals
Price Target
33.00 USD
The 39 analysts offering 1 year price forecasts for LMND have a max estimate of 60.00 and a min estimate of 23.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Direct insurtech competitor focusing on auto insurance and using telematics/behavioral data for underwriting, mirroring Lemonade's data-driven approach and digital-first model. [13]
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Technology-driven health insurance company (insurtech) that leverages data and a user-friendly digital experience, akin to Lemonade's model in a different insurance vertical. [9, 12, 32]
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Health insurtech company utilizing a tech-first approach and data analytics to improve healthcare and insurance, aligning with Lemonade's innovative use of technology.
Weight: 85
One of the largest auto and home insurers known for its direct-to-consumer model and early adoption of digital tools and pricing innovation, making it a significant traditional competitor with a tech-forward stance. [3, 13, 14, 33, 39, 46, 48]