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LMLMND

Lemonade, Inc.

Rising onWhy it's trendingStrong bullish X conversationBacked by solid revenue growth
$LMND·$4.1B·Insurance - Property & Casualty·Financial Services
$48.40-4.3%YTD-29.5%1Y+0.8%
Price updated 1m ago·X counts updated 17h ago
LMLMND
$LMNDLemonade, Inc.
$48.40-4.25%462 posts0.9×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $LMND on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

462X posts · last 7 days
Aug 26Sep 8
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $LMND's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data36 posts analyzed · as of 2026-09-08

Lemonade appears in multiple 'stocks I'm buying' baskets alongside HIMS and GRAB, with valuation cited at 2x sales(28) and >25% growth. A near-term chart voice expects a drop to the 0.786 fib before the long-term bottom, framing it as an accumulation window rather than a sell.

Read what X is saying about $LMND

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $LMND — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-08

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Lemonade quietly compounding at 55% growth — Tesla FSD insurance is the near-term needle-mover.

Lemonade is an AI-first insurance company that has scaled from renters into homeowners, pet, life, and now auto with a Tesla FSD partnership. The stock is at $53, down 26% YTD and only 13% of its 52-week range, quietly coiling with fundamentals accelerating.

  • The top line is compounding fast: Q1 revenue $234M grew 55% YoY at 43% gross margin, and Q2 revenue continued the trajectory with a real narrowing in operating losses — the AI-underwriting flywheel is working.
  • The Tesla-FSD auto product now live in Missouri prices autonomous miles at 50% below regular miles — a differentiated data-driven insurance take that scales as FSD adoption grows without adding claims frequency at the same rate.
  • Insider signal is a small $578K executive sale and a director gift — light distribution, no strong signal in either direction; the tape has been under fresh institutional bids (Jupiter Topco $1.89M new, HSBC new).

The Nov 4 Q3 print is where the underlying growth needs to continue outrunning claims — a raised gross-written-premium guide restarts the move; a bad loss ratio print and the tape retests the range low. Watch loss ratio, in-force premium, and Tesla FSD state expansion.

Agrees with X sentimentThe cross-sell thesis, the Tesla FSD 50%-off autonomous-mile pricing, and the six-lines-in-10-states framing align with fundamentals; the chart camp waiting for 'one more flush' is a fair technical caveat rather than a thesis break.

What to watch: Nov 4 Q3 earnings — loss ratio trajectory, gross written premium growth, and Tesla FSD state-expansion pace; a widening loss ratio is the risk.

On the calendar: 2026-11-04 — Q3 earnings

beta missing

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

P&C insurance pricing remains hard following elevated catastrophe losses; premium growth outpaces claims inflation restoring underwriting profitability. Investment income tailwind from higher yields adds further support to earnings.

What this means for $LMND

Partial — Lemonade AI-native renters/home; AI underwriting differentiation, but catastrophe exposure and underwriting scale still maturing.

Top industry ETF

$KIESPDR S&P Insurance ETF
+4.0%YTD
+8.2%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
Q2 2026Jul 29, 2026$-0.56$-0.56+0.8%
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%
Next earningsWed, Nov 4·consensus EPS $-0.60

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-$1.85-$1.97 – -$1.749
FY27$1.6B$1.6B – $1.7B-$1.07-$1.82 – -$0.709
FY28$2.1B$2.1B – $2.2B$0.47$0.09 – $0.827
FY29$2.6B$2.5B – $2.7B$2.70$2.61 – $2.763

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.0.9×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.8%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.-13.7%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.-21.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 71.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.875-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

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

Recent transactions

SellSep 4Peters John SheldonChief Insurance Officer2.2K sh$122KSellSep 3Maya ProsorChief Business Officer1.0K sh$57KSellSep 3Timothy E BixbyCFO1.9K sh$103KSellSep 3Peters John SheldonChief Insurance Officer859 sh$47KSellAug 13Peters John SheldonChief Insurance Officer11.0K sh$578KSellJul 7Timothy E BixbyCFO73.0K sh$5.8MSellJul 6Peters John SheldonChief Insurance Officer3.4K sh$272KSellJun 4Peters John SheldonChief Insurance Officer3.6K sh$191KSellJun 3Timothy E BixbyCFO2.2K sh$118KSellJun 3Maya ProsorChief Business Officer1.2K sh$65K
1–10 of 11
+ 10 other (8 awards · 2 gifts) 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
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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-KOfficer or director changeJul 298-K — Item 5.02: Officer or director change
AI summary

LMND (LMND) disclosed an executive/director departure (Item 5.02, filed 2026-07-29). ure of Directors departed from Directors or Certain Officers. Compensation and transition details are in the exhibits. Leadership changes can signal strategic shifts; investors should assess continuity and the appointee's background.

8-KMaterial agreementJun 248-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Lemonade entered a New Business Financing Agreement on June 22, 2026 with Hannover Re (Ireland) DAC, under which Hannover will finance up to $250M of Lemonade's sales and marketing growth spend from January 1, 2027 through December 31, 2028 (capped at $150M in 2027). Hannover funds up to 80% of monthly growth spend (max $20M per cohort) and is repaid from premiums collected on assigned customer cohorts at a rate of 3-year Treasury + 5.8%. Material — meaningful off-balance-sheet growth financing from a major reinsurer, significantly reducing Lemonade's cash burn on customer acquisition.

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.

+ 9 other (3 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

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

Most Drivers Are Overpaying. Lemonade CEO Says Two-Thirds Subsidize the Highest-Mileage Third.247wallst.com·1d agoLemonade Expands Renters Insurance to Kentuckyprnewswire.com·1d agoLemonade CFO to Participate in Upcoming Investor Conferencesgurufocus.com·2d agoLemonade CFO to Participate in Upcoming Investor Conferencesprnewswire.com·2d agoWhy One Insurer Is Charging Half Price for Every Mile a Tesla Drives Itself247wallst.com·5d ago

In themes

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Consumer Fintech & Neobanks

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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