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LMLMND

Lemonade, Inc.

$LMND·$5.2B·Insurance - Property & Casualty·Financial Services
$60.71-4.3%YTD-15.4%1Y+45.0%
Mentions · last 7 days
2026-07-16: 58 posts2026-07-17: 54 posts2026-07-18: 19 posts2026-07-19: 19 posts2026-07-20: 19 posts2026-07-21: 44 posts2026-07-22: 29 posts246-7%
Price updated just now·X counts updated 2d ago
LMLMND
$LMNDLemonade, Inc.
$60.71-4.27%246 posts-7%
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.

Hinges on a big eventEvent coming upAI verdict · as of 2026-07-24

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Lemonade's Q2 lands July 29 pulled a week early; bulls call it an AI-native insurer coiled ahead of the print.

Lemonade is a $5.2B AI-native insurance company with Q1 revenue of $234M at a 43.1% gross margin and EPS of negative $0.47. P/E is negative on continued losses, price-to-sales is 4.8 and debt-to-equity is 0.39. The tape is down 15% year-to-date but up 45% over twelve months, so the twelve-month trend is intact even after the drawdown.

  • Q2 2026 earnings are scheduled for July 29, a full week earlier than the normal cadence; sentiment reads the pull-forward as a sign of comfort with the print
  • Bulls cite Q2 website visits at an all-time high, Lemonade Car telematics powered by Cambridge Mobile Telematics with a mature Illinois program, and Pet and Renters live in 40 of 51 US states (92% of the population), plus a Nebraska launch
  • A $250M Synthetic Agents reinsurance-funding renewal runs through 2027 and supports roughly 30% growth; some sell-side notes highlight that Lemonade is retaining more of its own underwriting risk as either a confidence signal or a red flag
  • Long-conviction chatter is loud (bulls calling below-$5B market cap a career-best entry); technical bears warn the stock could still retest the 200-week moving average in the $30s

The core question is whether in-force premium continues to scale at 25-30% with a stable loss ratio. Watch July 29 for premium growth, loss ratio and Car segment metrics; a clean beat on premium growth resets the multiple higher, a loss-ratio spike does the opposite.

Agrees with X sentimentX pins the case on premium growth, telematics scaling and the retained-risk decision; that aligns with the fundamentals, though the bearish 200-week retest scenario is a real technical caveat.

What to watch: July 29 Q2 earnings for in-force premium growth, loss ratio and Car segment attach rate; Synthetic Agents utilization; state-launch cadence; commentary on retained-risk share.

On the calendar: July 29, 2026 Q2 earnings release

X sentiment

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

Bullish sentiment60 posts analyzed · as of 2026-07-23

Lemonade is being framed as a coiled AI-native insurer heading into Q2 earnings on July 29 (a week earlier than normal). Bulls cite Q2 website visits reaching an all-time high, Lemonade Car telematics powered by Cambridge Mobile Telematics with a mature Illinois program, Pet and Renters insurance now live in 40 of 51 US states/territories (92% of US population), launch in Nebraska, and a $250M Synthetic Agents funding renewal through 2027 to support ~30% growth. Bulls repeat 'buying LMND under a $5B market cap will go down as my best investment decision.' Bears (technical) note the stock could still test the 200-week MA in the $30s before a real reversal, and warn against continuing sideways pain. Dominant tone is high-conviction long into the print.

Read the AI verdict + X sentiment for $LMND

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  • 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

No material change from last week — climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate.

What this means for $LMND

Neutral — Sells renters, homeowners, pet, car, and life insurance via an AI-native platform targeting tech-forward consumers in the U.S. and Europe; limited read-through from insurance - property & casualty macro dynamics to this specific revenue mix.

Top industry ETF

$KIESPDR S&P Insurance ETF
+4.5%YTD
+8.4%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 earningsWed, Jul 29·consensus EPS $-0.56

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 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.2B$1.2B – $1.2B-$1.74-$1.99 – -$1.578
FY27$1.6B$1.6B – $1.7B-$0.82-$1.33 – -$0.628
FY28$2.1B$2.1B – $2.1B$0.61$0.39 – $0.764
FY29$2.6B$2.6B – $2.7B$2.72$2.67 – $2.793

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.0.7×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.39%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.+0.1%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.-7.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 71.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.5% 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.β1.785-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

SellJul 7Timothy E BixbyCFO73.0K sh$5.8MSellJul 6Peters John SheldonChief Insurance Officer3.4K sh$272KSellJun 4Peters John SheldonChief Insurance Officer3.6K sh$191KSellJun 3Maya ProsorChief Business Officer1.2K sh$65KSellJun 3Timothy E BixbyCFO2.2K sh$118KSellJun 3Peters John SheldonChief Insurance Officer1.7K sh$92KBuyMar 10Maria Angelidis-smithDirector8.7K sh$485KSellMar 4Peters John SheldonChief Insurance Officer3.6K sh$187KSellMar 3Maya ProsorChief Business Officer223 sh$11KSellMar 3Timothy E BixbyCFO2.1K sh$107K
1–10 of 11
+ 12 other (10 awards · 1 gift · 1 exempt) 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-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.

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

Recent news

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

Lemonade Expands Renters Insurance to Nebraskaprnewswire.com·3d agoPrediction: Lemonade Stock Will Reach $100 in 2027. Here's Why.fool.com·6d agoLemonade To Announce Second Quarter 2026 Financial Resultsprnewswire.com·8d agoLemonade Is Keeping More of Its Own Insurance Risk. Is That a Sign of Confidence or a Red Flag?fool.com·8d agoLemonade Expands Renters Insurance to Maineprnewswire.com·10d ago

In themes

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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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