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LMND · Lemonade, Inc.
NEW YORK STOCK EXCHANGE, INC. - BOATS Real Time Price • USD
$45.31
-0.06
(-0.14%)
● At close: October 21 at 4:00:00 PM EDT
$45.18
-0.10
(-0.22%)
Overnight:
11:24:05 PM EDT
DAY'S RANGE
$45.31
$45.00
$46.90
52-WEEK RANGE
$45.31
$42.70
$99.90
What's happening
- LMND is down 0.14% today, trading at $45.31. — Live quote
- Volume today (49,096) is well below its 3-month average of 1,278,580. (Finnhub fundamentals)
- Reports earnings on 2026-11-05 (after market close), 14 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $-0.56 actual vs. $-0.57 estimated (+1.6%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Strong buy 3
Buy 6
Hold 8
Sell 1
Strong sell 1
Aggregate ratings for 2026-10-01 (19 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
LMND
-36.22%
vs S&P 500
-49.00%
1-YEAR RETURN
LMND
-9.04%
vs S&P 500
-23.60%
6-MONTH RETURN
LMND
-33.70%
3-MONTH RETURN
LMND
-33.84%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2026-07-26 (Q2 2026)
$-0.56
Est. $-0.57
BEAT +1.6%
2026-04-26 (Q1 2026)
$-0.47
Est. $-0.58
BEAT +18.6%
2026-01-26 (Q4 2025)
$-0.29
Est. $-0.41
BEAT +28.7%
2025-10-26 (Q3 2025)
$-0.51
Est. $-0.72
BEAT +28.9%
Valuation Measures & Ratios
Enterprise Value4$3.36B
Forward P/E5—
PEG Ratio6—
Price / Sales (TTM1)3.62
Price / Book710.00
EV4 / Revenue3.45
EV4 / EBITDA—
Profit Margin-14.19%
Operating Margin-13.67%
Return on Equity (ROE8)-26.78%
Return on Assets (ROA9)-7.08%
Avg Volume (3M)1,278,580
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $5.04B | $4.78B | $3.94B | $3.20B | $2.28B |
| P/E | -31.39 | -26.59 | -18.61 | -13.86 | -9.73 |
| Price/Sales | 5.53 | 6.22 | 6.09 | 5.58 | 4.32 |
| Price/Book | 10.09 | 9.22 | 7.62 | 6.08 | 4.18 |
| EV/Revenue | 5.13 | 5.73 | 5.55 | 4.93 | 3.73 |
| ROE | -32.15% | -34.67% | -40.97% | -43.86% | -43.01% |
| ROA | -7.98% | -9.17% | -11.02% | -11.95% | -12.64% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short11,383,738
Change from Prior Settlement+4.92%
% of Float—
Days to Cover (Short Ratio)9.23
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 79.4% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-09-08; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Net profit margin is -14.2%. Finnhub fundamentals ↗
- Trailing 52-week price return is -9.0%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on LMND
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $294.4M | $258.0M | $194.5M | $164.1M | $151.2M | $136.6M | $122.0M | $119.1M |
| Net income | -$43.4M | -$35.8M | -$37.5M | -$43.9M | -$62.4M | -$67.7M | -$57.2M | -$47.3M |
| EPS (diluted) | $-0.56 | $-0.47 | $-0.51 | $-0.60 | $-0.86 | $-0.95 | $-0.81 | $-0.67 |
| EPS (basic) | $-0.56 | $-0.47 | $-0.51 | $-0.60 | $-0.86 | $-0.95 | $-0.81 | $-0.67 |
| Net margin | -$15 | -$14 | -$19 | -$27 | -$41 | -$50 | -$47 | -$40 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.01B | $1.96B | $1.93B | $1.92B | $1.93B | $1.86B | $1.85B | $1.82B |
| Total liabilities | $1.51B | $1.44B | $1.39B | $1.40B | $1.41B | $1.31B | $1.26B | $1.23B |
| Stockholders' equity | $499.5M | $518.0M | $533.6M | $516.2M | $527.1M | $545.5M | $593.4M | $593.0M |
| Cash & equivalents | $367.6M | $374.3M | $385.0M | $345.9M | $377.5M | $309.2M | $376.0M | $329.8M |
| Marketable securities (current) | $9.2M | $19.5M | $14.1M | $23.5M | $21.3M | $20.5M | $27.5M | $31.1M |
| Property, plant & equipment | $18.9M | $16.7M | $15.8M | $15.3M | $16.0M | $16.2M | $16.1M | $16.0M |
| Goodwill | $19.0M | $19.0M | $19.0M | $19.0M | $19.0M | $19.0M | $19.0M | $19.0M |
| Intangible assets | $8.1M | $8.1M | $8.1M | $8.1M | $8.8M | $11.2M | $13.6M | $15.8M |
| Common stock & paid-in capital | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Retained earnings | -$1.54B | -$1.50B | -$1.46B | -$1.44B | -$1.41B | -$1.36B | -$1.30B | -$1.27B |
| Accumulated other comprehensive income (loss) | -$300.0K | $700.0K | $6.4M | $5.2M | $4.2M | -$3.4M | -$6.1M | -$100.0K |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$3.4M | -$600.0K | $20.7M | $4.5M | $5.5M | -$47.2M | $13.8M | $16.3M |
| Investing cash flow | -$32.2M | -$34.6M | -$18.9M | -$59.4M | $29.5M | -$40.3M | $2.5M | -$54.1M |
| Financing cash flow | $28.2M | $26.2M | $38.5M | $24.0M | $24.1M | $20.0M | $35.0M | $23.6M |
| Free cash flow | -$8.0M | -$4.1M | $17.6M | $2.6M | $3.4M | -$49.5M | $10.6M | $14.1M |
| Capital expenditures | $4.6M | $3.5M | $3.1M | $1.9M | $2.1M | $2.3M | $3.2M | $2.2M |
| Depreciation & amortization | $2.4M | $2.7M | $2.6M | $3.4M | $4.7M | $4.5M | $4.7M | $5.1M |
| Share-based compensation | $24.5M | $21.2M | $18.5M | $17.1M | $15.4M | $10.3M | $17.3M | $16.9M |
| Deferred income taxes | — | — | $0 | — | — | — | $0 | — |
| Change in accounts payable | $0 | $1.9M | -$4.6M | $2.9M | -$1.2M | -$1.1M | $3.5M | $400.0K |
| Purchases of investments | $262.8M | $150.7M | $108.9M | $191.0M | $101.2M | $75.6M | $64.5M | $115.5M |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $737.9M | $526.5M | $429.8M | $256.7M | $128.4M |
| Net income | -$165.5M | -$202.2M | -$236.9M | -$297.8M | -$241.3M |
| EPS (diluted) | $-2.24 | $-2.85 | $-3.40 | $-4.59 | $-3.94 |
| EPS (basic) | $-2.24 | $-2.85 | $-3.40 | $-4.59 | $-3.94 |
| Net margin | -$22 | -$38 | -$55 | -$116 | -$188 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $1.93B | $1.85B | $1.63B | $1.69B | $1.51B |
| Total liabilities | $1.39B | $1.26B | $924.4M | $823.9M | $522.3M |
| Stockholders' equity | $533.6M | $593.4M | $708.9M | $866.8M | $988.2M |
| Cash & equivalents | $385.0M | $376.0M | $264.5M | $282.5M | $270.6M |
| Marketable securities (current) | $14.1M | $27.5M | $45.8M | $99.8M | $110.4M |
| Property, plant & equipment | $15.8M | $16.1M | $17.4M | $19.6M | $11.7M |
| Goodwill | $19.0M | $19.0M | $19.0M | $19.0M | $0 |
| Intangible assets | $8.1M | $13.6M | $22.9M | $32.5M | $600.0K |
| Common stock & paid-in capital | $0 | $0 | $0 | $0 | $0 |
| Retained earnings | -$1.46B | -$1.30B | -$1.10B | -$859.7M | -$561.9M |
| Accumulated other comprehensive income (loss) | $6.4M | -$6.1M | -$9.0M | -$27.6M | -$3.4M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$16.5M | -$11.4M | -$119.1M | -$163.0M | -$144.6M |
| Investing cash flow | -$89.1M | $40.6M | $88.7M | $181.1M | -$804.8M |
| Financing cash flow | $106.6M | $87.7M | $15.4M | $3.6M | $649.6M |
| Free cash flow | -$25.9M | -$20.8M | -$128.3M | -$173.1M | -$154.0M |
| Capital expenditures | $9.4M | $9.4M | $9.2M | $10.1M | $9.4M |
| Depreciation & amortization | $15.2M | $20.0M | $20.0M | $12.2M | $3.7M |
| Share-based compensation | $61.3M | $64.5M | $59.9M | $59.3M | $44.1M |
| Deferred income taxes | $0 | $0 | $0 | $0 | $0 |
| Change in accounts payable | -$4.0M | $3.9M | -$500.0K | -$700.0K | -$400.0K |
| Purchases of investments | $476.7M | $305.7M | $323.7M | $133.4M | $712.0M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding LMND as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-03-03 to 2026-09-04
Recent transactions
- Insiders have net sold 102,275 shares over the last 182 days, across 0 purchases and 11 sales.
- Most recent: Peters John Sheldon (Chief Insurance Officer) — Open market sale of 2,249 shares on 2026-09-04.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)102,275 sh(11 txns)
Net Shares-102,275
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Peters John Sheldon | Chief Insurance Officer | Open market sale | 2026-09-04 | 2,249 |
| Prosor Maya | Chief Business Officer | Open market sale | 2026-09-03 | 1,040 |
| BIXBY TIMOTHY E | Chief Financial Officer | Open market sale | 2026-09-03 | 1,893 |
| Wininger Shai | President | Gift | 2026-09-02 | 1,876 |
| Eisenberg Michael A | Director | Gift | 2026-06-10 | 5,000 |
| Seeley Geoff | Director | Grant / award | 2026-06-03 | 2,848 |
| Ratanchandani Prashant | Director | Grant / award | 2026-06-03 | 2,848 |
| Schwartz Debra | Director | Grant / award | 2026-06-03 | 2,848 |
| Haj-Yehia Samer | Director | Grant / award | 2026-06-03 | 2,848 |
| Angelidis-Smith Maria | Director | Grant / award | 2026-06-03 | 2,848 |
| Schreiber Daniel A. | Chief Executive Officer | Grant / award | 2026-03-18 | 820,000 |
| Eckstein Adina | Chief Operating Officer | Grant / award | 2026-03-08 | 145,112 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-09-04 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 2,249 | $54.45 |
| 2026-09-03 | Prosor Maya | Chief Business Officer | Open market sale | 1,040 | $54.63 |
| 2026-09-03 | BIXBY TIMOTHY E | Chief Financial Officer | Open market sale | 1,893 | $54.63 |
| 2026-09-03 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 859 | $54.63 |
| 2026-09-02 | Wininger Shai | President | Gift | 1,876 | $0.00 |
| 2026-08-13 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 11,000 | $52.55 |
| 2026-07-27 | Peters John Sheldon | Chief Insurance Officer | Grant / award | 10,000 | $0.00 |
| 2026-07-07 | BIXBY TIMOTHY E | Chief Financial Officer | Open market sale | 73,000 | $79.18 |
| 2026-07-06 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 3,444 | $79.00 |
| 2026-06-10 | Eisenberg Michael A | Director | Gift | 5,000 | $0.00 |
| 2026-06-04 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 3,608 | $52.94 |
| 2026-06-03 | BIXBY TIMOTHY E | Chief Financial Officer | Open market sale | 2,227 | $53.17 |
| 2026-06-03 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 1,735 | $53.17 |
| 2026-06-03 | Prosor Maya | Chief Business Officer | Open market sale | 1,220 | $53.17 |
| 2026-06-03 | Seeley Geoff | Director | Grant / award | 2,848 | $0.00 |
| 2026-06-03 | Ratanchandani Prashant | Director | Grant / award | 2,848 | $0.00 |
| 2026-06-03 | Schwartz Debra | Director | Grant / award | 2,848 | $0.00 |
| 2026-06-03 | Haj-Yehia Samer | Director | Grant / award | 2,848 | $0.00 |
| 2026-06-03 | Angelidis-Smith Maria | Director | Grant / award | 2,848 | $0.00 |
| 2026-03-18 | Wininger Shai | President | Grant / award | 820,000 | $0.00 |
| 2026-03-18 | Wininger Shai | President | Grant / award | 180,000 | $0.00 |
| 2026-03-18 | Schreiber Daniel A. | Chief Executive Officer | Grant / award | 820,000 | $0.00 |
| 2026-03-18 | Schreiber Daniel A. | Chief Executive Officer | Grant / award | 180,000 | $0.00 |
| 2026-03-10 | Angelidis-Smith Maria | Director | Grant / award | 3,350 | $55.30 |
| 2026-03-10 | Angelidis-Smith Maria | Director | Grant / award | 5,390 | $55.70 |
| 2026-03-08 | Eckstein Adina | Chief Operating Officer | Grant / award | 145,112 | $0.00 |
| 2026-03-08 | Prosor Maya | Chief Business Officer | Grant / award | 181,389 | $0.00 |
| 2026-03-04 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 3,571 | $52.50 |
| 2026-03-03 | BIXBY TIMOTHY E | Chief Financial Officer | Open market sale | 2,135 | $50.12 |
| 2026-03-03 | Peters John Sheldon | Chief Insurance Officer | Open market sale | 1,773 | $50.12 |
| 2026-03-03 | Prosor Maya | Chief Business Officer | Open market sale | 223 | $50.12 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 04:15 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-09-08 | 4 | 2026-09-03 | View on SEC.gov → |
| 2026-09-08 | 4 | 2026-09-03 | View on SEC.gov → |
| 2026-09-08 | 4 | 2026-09-03 | View on SEC.gov → |
| 2026-09-04 | 4 | 2026-09-02 | View on SEC.gov → |
| 2026-08-17 | 4 | 2026-08-13 | View on SEC.gov → |
| 2026-08-04 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-29 | 4 | 2026-07-27 | View on SEC.gov → |
| 2026-07-29 | 8-K | 2026-07-27 | View on SEC.gov → |
| 2026-07-29 | 8-K | 2026-07-29 | View on SEC.gov → |
| 2026-07-09 | 4 | 2026-07-07 | View on SEC.gov → |
| 2026-07-08 | 4 | 2026-07-06 | View on SEC.gov → |
| 2026-06-24 | 8-K | 2026-06-22 | View on SEC.gov → |
Recent news
Headlines about LMND (Lemonade, Inc.). Links open the publisher — we don’t host full articles.
-
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Yahoo! Finance Canada · 2026-10-21 -
A Look at Lemonade Inc (LMND) After 5.2% Gain -- GF Value $74.98 vs Price $45.40
GuruFocus · 2026-10-20 -
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Yahoo Finance UK · 2026-10-20 -
Lemonade launches affordable renters insurance in Alabama starting at $5/month
Pluang · 2026-10-20 -
Lemonade Renters Insurance Expands to Alabama
Yahoo · 2026-10-20 -
Alabama renters can get coverage starting at $5 a month from Lemonade.
Stock Titan · 2026-10-20 -
2 Cash-Heavy Stocks with Promising Prospects and 1 Facing Headwinds
Yahoo · 2026-10-20 -
Lemonade To Announce Third Quarter 2026 Financial Results
Yahoo · 2026-10-19
No headlines in this category right now — try “All”.