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LMLMND

Lemonade, Inc.

$LMND·$4.0B·Insurance - Property & Casualty·Financial Services
$52.17+1.4%YTD-28.3%1Y+43.9%
Mentions · last 7 days
2026-06-03: 278 posts2026-06-04: 294 posts2026-06-05: 238 posts2026-06-06: 414 posts2026-06-07: 534 posts2026-06-08: 245 posts2026-06-09: 128 posts2,145+6%
Price updated 2d ago·X counts updated 23h ago
LMLMND
Lemonade, Inc.$LMND
$52.17+1.38%2.1k posts+6%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $LMND, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptStalledAI verdict · as of 2026-06-10

The move has stalled — likely just drifts unless something new shows up.

AI insurer just put up its tenth straight quarter of accelerating growth — and the chart still won't confirm it.

Lemonade is the AI-first property/casualty insurer — renters, pets, autos and homeowners — that has been in turnaround mode for two years as the underwriting losses narrow. The stock is down 28% YTD even as the operating data has been quietly inflecting. Q1 revenue grew 55% YoY to $234M with in-force premium (IFP) up 32% — the tenth consecutive quarter of accelerating growth — and the four most recent EPS prints have beaten by 26-29%, all materially. The pet-insurance price increase (12% vs the industry's 27%) is exactly the kind of competitive widening that, at scale, separates winners. At $52 the stock trades at 4.8x sales for a 55% grower, against a posted internal NPV of $218; the gap is bigger than the typical retail framing suggests. Officer Peters sold $191K on June 4 at $52.94 — small relative to position. The bet is whether one more clean quarter — Q2 — finally pulls the chart out of the multi-month basing range.

Agrees with X sentimentAgree — the tenth-straight accelerating IFP quarter and the pet-insurance pricing widening X is highlighting are real. The bear note that 'sentiment is as bad as ever' is also honest — a 28% YTD drawdown against improving fundamentals is exactly the asymmetry turnaround positioning requires. The NPV-vs-price gap bulls cite is real if the operating trajectory holds.

What to watch: Aug 4 Q2 earnings: IFP growth and loss-ratio trajectory. A second straight quarter above 30% IFP growth with loss ratio improving sub-75% is the chart trigger; any deceleration on IFP growth back below 25% likely extends the basing range.

On the calendar: 2026-08-04 — Q2 earnings

float missingbeta missing

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Mixed sentiment63 posts analyzed · as of 2026-06-09

Lemonade is down ~50% over four months even as IFP grew 32% YoY in the latest quarter — its tenth consecutive quarter of accelerating growth — and pet-insurance pricing posture (12% increase vs industry 27%) is cited as a competitive widening. Bulls invoke an NPV of $218 vs ~$51 share price and 'best buy in the entire market' framing; bears (and tired holders) point to sentiment being 'as bad as ever seen' with community members capitulating into competing AI names. Direction is unresolved between strong fundamentals and a broken chart.

Read the AI verdict + X sentiment for $LMND

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Sells renters, homeowners, pet, car, and life insurance via an AI-native platform targeting tech-forward consumers in the U.S. and Europe.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $LMND.

Insurance - Property & Casualty · Financial Services

Elevated catastrophe frequency is the structural margin compressor — climate-driven cat events push combined ratios higher across P&C underwriters, keeping the sector at -8% YTD. PLMR's successful June 1 reinsurance placement at favorable terms distinguishes specialty cat writers from broad-line insurers.

What this means for $LMND

Headwind — AI-native renters and homeowners insurance faces elevated cat frequency compressing underwriting margins; technology efficiency advantage does not fully offset cat loss headwind in coastal/climate-exposed markets.

See how Insurance - Property & Casualty shapes $LMND

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $LMND's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Top industry ETF

$KIESPDR S&P Insurance ETF
-5.3%YTD
-3.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-28.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-18.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-16.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-26.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
47.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.4Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 29, 2026$-0.47$-0.58+19.0%
Q4 2025Feb 19, 2026$-0.29$-0.41+29.3%
Q3 2025Nov 5, 2025$-0.51$-0.72+29.2%
Q2 2025Aug 5, 2025$-0.60$-0.81+25.9%
Next earningsTue, Aug 4·consensus EPS $-0.55

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$234.4M+55.0%43.1%-14.8%$-0.47$-4.1M
Q4 FY25$228.1M+53.3%63.0%-9.0%$-0.33$17.6M
Q3 FY25$194.5M+42.4%41.5%-18.7%$-0.51$2.6M
Q2 FY25$164.1M+34.5%39.7%-26.0%$-0.60$3.4M

Forward consensus

4-year forecast · up to 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.2B$1.2B – $1.2B-$1.83-$2.10 – -$1.678
FY27$1.6B$1.6B – $1.6B-$0.77-$1.20 – -$0.459
FY28$2.1B$2.1B – $2.1B$0.47$0.19 – $0.945
FY29$2.6B$2.6B – $2.6B$2.98$2.93 – $3.032

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.25%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-12.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-19.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $LMND is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 4Peters John SheldonChief Insurance Officer3.6K sh$191KSellJun 3Timothy E BixbyCFO2.2K sh$118KSellJun 3Peters John SheldonChief Insurance Officer1.7K sh$92KSellJun 3Maya ProsorChief Business Officer1.2K sh$65KBuyMar 10Maria Angelidis-smithDirector8.7K sh$485KSellMar 4Peters John SheldonChief Insurance Officer3.6K sh$187KSellMar 3Peters John SheldonChief Insurance Officer1.8K sh$89KSellMar 3Maya ProsorChief Business Officer223 sh$11KSellMar 3Timothy E BixbyCFO2.1K sh$107KSellJan 23Daniel A. SchreiberCEO9.1K sh$902K
1–10 of 13
+ 12 other (10 awards · 2 exempts) in window

See when $LMND insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 58-K — Item 5.07: Shareholder vote
AI summary

LMND (LMND) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution, ratification of the independent auditor. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

+ 11 other (2 earnings 8-Ks · 2 proxys · 2 13Gs · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Lemonade, Inc. (LMND) Presents at Piper Sandler Global Exchange and Fintech Conference Transcriptseekingalpha.com·7d agoLemonade Brings Autonomous Car Insurance to Indianagurufocus.com·8d agoLemonade Brings Autonomous Car Insurance to Indianabusinesswire.com·8d agoLemonade Stock Is Down 40%. Here's What It Would Take to Rise Higher.fool.com·8d agoLemonade's Improving Loss Ratio Is the Real Story. Here's Why It Matters More Than Growth.fool.com·10d ago

In themes

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