Lemonade (LMND) Stock Price & Analysis
LMND Stock Chart & Stats
- Day’s Range
- MXN 804.37 - MXN 804.37
- 52-Week Range
- MXN 720.00 - MXN 1,724.31
- Previous Close
- MXN 860.00
- Volume
- 0
- Average Volume (3M)
- 212
- Market Cap
- MXN 62.45B
- Enterprise Value
- MXN 5.21B
- Total Cash (Recent Filing)
- MXN 559.90M
- Total Debt (Recent Filing)
- MXN 206.40M
- Price to Earnings (P/E)
- ―
- Beta
- -0.24
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- -10.92
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Rapid Premium And Revenue Growth
Strong growth in revenue, in-force premium, customers, and premium per customer shows expanding adoption across Lemonade’s insurance platform. Sustained growth can improve operating leverage, deepen customer data advantages, and support broader product and geographic expansion over the next several quarters.
Improving Underwriting And Claims Efficiency
Meaningful margin expansion and lower claims-handling expense indicate improving unit economics, supported by automation and better operating efficiency. If maintained, these gains can increase the amount of premium retained as gross profit and strengthen the path toward sustainable profitability.
Strengthened Liquidity And Cash Generation
The shift to positive operating and free cash flow, combined with substantial cash and investments, gives Lemonade more capacity to fund product expansion and absorb insurance volatility. This financial flexibility supports continued scaling while management works toward adjusted-EBITDA profitability.
Bears Say
GAAP Losses Remain Substantial
Lemonade has not yet converted improving gross profit into sustainable GAAP earnings, leaving returns on shareholder capital negative. Continued losses can consume capital over time and make the company more dependent on growth, operating leverage, and favorable claims performance to reach profitability.
Operating Expenses Remain Highly Elevated
Expense growth remains a significant constraint on the benefits of stronger revenue and gross profit. High sales, technology, and general administrative spending could delay break-even if premium growth slows or customer acquisition becomes less efficient, limiting near-term earnings conversion.
Cash Generation Remains Volatile
Recent positive cash generation is encouraging but has not yet demonstrated consistent durability, given the sharp period decline and quarterly operating cash outflow. Volatility can complicate capital planning and reduce confidence that reported cash improvement will translate into sustained self-funded growth.
Lemonade News
LMND FAQ
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What is Lemonade’s EPS estimate?
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What is the TipRanks Smart Score and how is it calculated?
Lemonade Stock Smart Score
Company Description
Lemonade
Lemonade, Inc. functions as an insurance provider operating across the United States and Europe, offering a diverse array of policies. Their core coverage options encompass protection against stolen or damaged personal property, as well as personal liability insurance designed to safeguard customers if they are deemed responsible for accidents or harm to others or their assets. Specifically, they provide renters, homeowners, pet, auto, life, and landlord insurance products. Additionally, the company extends its services by acting as an agent for other insurance carriers. Founded in 2015 as Lemonade Group, Inc., the New York-headquartered firm later adopted its current name, Lemonade, Inc.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Daniel Asher Schreiber
- Employees
- 1,282
- Website
- www.lemonade.com
- Address
- 5 Crosby Street, New York City, NY, 10013, US
Lemonade (LMND) Earnings & Revenues
LMND Company Deck
LMND Earnings Call
Earnings Call SentimentPositive
The call was broadly positive: strong top-line acceleration (revenue +79%, IFP +32.5%), record gross profit, meaningful improvements in adjusted EBITDA and free cash flow, industry-leading claims efficiency (LAE 5%), and positive operating momentum across car and product expansion. Key near-term challenges include elevated operating expenses, ongoing GAAP net losses, seasonal negative operating cash flow, and pressure in pet insurance from vet cost inflation. Management provided reassuring context on capital (reinsurance and financing improvements), sustainable unit economics (LTV:CAC ~3x), and guidance that targets adjusted EBITDA breakeven in Q4, supporting an overall constructive outlook.
View all MX:LMND earnings summariesLMND Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 4 | 15 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 0 | 0 | 12 |
