Lemonade, Inc. functions as an insurance provider operating across the United States and Europe, offering a diverse array of policies. Their core ...
Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer
Est. EPS $-0.60 · Revenue $322.60M · 8 analysts
Est. EPS $-0.22 · Revenue $340.89M · 8 analysts
Est. EPS $-1.85 · Revenue $1.22B · 10 analysts
Est. EPS $-0.36 · Revenue $367.83M · 3 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $737.9M | +40.2% | +16.9% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $-165.5M | +18.2% | -21.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +40.3% | +22.8% | +1.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | -21.8% | +43.7% | -3.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | -22.4% | +41.6% | -3.7% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $-25.9M | -24.5% | -95.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | -3.5% | +11.2% | -66.9% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 34.1% | +88.9% | +6.8% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.52x | -0.7% | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.9B | +4.1% | -10.4% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | -2.30 vs -2.35 | +2.3% | -0.56 vs -0.60 | +7.0% |
| Revenue Surprise | $737.9M vs $727.9M | +1.4% | $274.0M vs $322.6M | -15.1% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | Peters John Sheldon | officer: Chief Insurance Officer | COMMON STOCK | D | 11,000 | $52.55 |
| Jul 27, 2026 | Peters John Sheldon | officer: Chief Insurance Officer | COMMON STOCK | A | 10,000 | — |
| Jul 7, 2026 | BIXBY TIMOTHY E | officer: Chief Financial Officer | COMMON STOCK | D | 73,000 | $79.18 |
| Jul 6, 2026 | Peters John Sheldon | officer: Chief Insurance Officer | COMMON STOCK | D | 3,444 | $79.00 |
| Jun 10, 2026 | Eisenberg Michael A | director | COMMON STOCK | D | 5,000 | — |
Operator : Hello, everyone. Thank you for joining us, and welcome to the Lemonade Second Quarter 2026 Earnings Call. [Operator Instructions] I will now hand the conference over to the Lemonade team. Please go ahead. Unknown Executive : Good morning, and welcome to Lemonade's Second Quarter 2026 Earnings Call. Joining us on our call today is Daniel Schreiber, CEO and Co-Founder; Shai Wininger, President and Co-Founder; Tim Bixby, Chief Financial Officer; and Nick Stead, SVP Finance. A letter to shareholders covering the company's second quarter 2026 financial results is available on our Investor Relations website at lemonade.com/investor. I would like to remind you that management's remarks made on this call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by these forward-looking statements as a result of various important factors, including those discussed in the Risk Factors section of our most recent Form 10-K filed with the SEC and our more recent filings with the SEC. Any forward-looking statements made on this call represent our views only as of today, and we undertake no obligation to update them. We will be referring to certain non-GAAP financial measures on today's call, including adjusted EBITDA, adjusted free cash flow and adjusted gross profit, which we believe may be important to investors to assess our operating performance. Reconciliations of our non-GAAP financial measures to the most directly comparable GAAP financial measures are included in our letter to shareholders. Our letter to shareholders also includes information about our key performance indicators, including number of customers, in-force premium, premium per customer, annual dollar retention, gross earned premium, gross loss ratio, gross loss ratio ex CAT, trailing 12-month loss ratio and net loss ratio and a definition of each metric, why each is useful to investors and how we use each to monitor and manage our business. With that, I'll turn the call over to Daniel for some opening remarks. Daniel Schreiber : Good morning. I'm happy to report on another excellent quarter, marked by accelerating growth, strong underwriting performance and continued progress towards profitability. In-force premium reached $1.43 billion, growing about 32.5% year-over-year and extending our streak of accelerating growth to 11 consecutive quarters. Revenue grew even faster, increasing 79% to $294 million, and gross profit increased 76% year-over-year to a record $113 million. As a result, adjusted EBITDA loss improved 54% to $19 million, and we remain on track to deliver our first positive adjusted EBITDA quarter in Q4 this year, followed by positive adjusted EBITDA full year 2027. Against that backdrop, we remain confident in our outlook and are reiterating our guidance across IFP and EBITDA while raising our guidance for both gross earned premium and revenue. …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Shai Wininger | Co-Founder, President & Director | USD 714,028 | Male | 1974 | Active |
Timothy E. Bixby | Chief Financial Officer, Principal Accounting Officer & Treasurer | USD 699,000 | Male | 1965 | Active |
Daniel Asher Schreiber | CO-Founder, Chairman & Chief Executive Officer | USD 677,809 | Male | 1971 | Active |
Adina Eckstein | Chief Operating Officer | USD 506,616 | Female | 1986 | Active |
Maya Prosor | Co-Founder & Chief Business Officer | USD 400,000 | Female | 1985 | Active |
John Sheldon Peters | Chief Insurance Officer | USD 218,712 | Male | 1972 | Active |
Dennis Monaghan | General Counsel & Secretary | — | Male | — | Active |
Nicholas Stead | Senior Vice President of Finance | — | Male | 1993 | Active |
Sean Parker Burgess | Chief Claims Officer | — | Male | — | Active |
Michal Langer | Chief Product Officer | — | Female | — | Active |
Lemonade Car with Tesla FSD (Supervised) pricing available now NEW YORK, Sept. 2, 2026 /PRNewswire/ -- Lemonade (NYSE: LMND), the tech-first insurance company, today announced the launch of Lemonade Car in Missouri, along with Lemonade Autonomous Car, giving Missouri Tesla drivers 50% off every mile driven using Full Self-Driving (Supervised) on day one.
Hsbc Holdings PLC bought a new stake in shares of Lemonade, Inc. (NYSE: LMND) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor bought 12,154 shares of the company's stock, valued at approximately $775,000. A number of other hedge
Kansas Renters Can Now Get Fast, Affordable Coverage Starting at $5 Per Month NEW YORK, Sept. 1, 2026 /PRNewswire/ -- Lemonade (NYSE: LMND), the tech-first insurance company, today announced the availability of its renters insurance in Kansas.
Sunshine State drivers now have access to tech-powered coverage built for how people actually drive NEW YORK, Aug. 26, 2026 /PRNewswire/ -- Lemonade (NYSE: LMND), the tech-first insurance company, today announced the launch of Lemonade Car in Florida, one of the largest car insurance markets in the country. Florida drivers can now access Lemonade Car which is built for today's modern lifestyle to help consumers save.
ROLLING MEADOWS, Ill., Aug. 20, 2026 (GLOBE NEWSWIRE) -- RYTHM, Inc. (Nasdaq: RYM) today announced the launch of Lifted Lemon, the newest addition to RYTHM, a leading national THC brand.
