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Upturn AI SWOT - About
LMND 
Lemonade Inc (LMND)
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Upturn Advisory Summary
08/28/2025: LMND (3-star) is a STRONG-BUY. BUY since 15 days. Profits (8.94%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $45.12
1 Year Target Price $45.12
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.39% | Avg. Invested days 21 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.99B USD | Price to earnings Ratio - | 1Y Target Price 45.12 |
Price to earnings Ratio - | 1Y Target Price 45.12 | ||
Volume (30-day avg) 9 | Beta 2.19 | 52 Weeks Range 15.27 - 60.41 | Updated Date 08/29/2025 |
52 Weeks Range 15.27 - 60.41 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -33.96% | Operating Margin (TTM) -23.52% |
Management Effectiveness
Return on Assets (TTM) -6.72% | Return on Equity (TTM) -35.1% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 3753849925 | Price to Sales(TTM) 6.64 |
Enterprise Value 3753849925 | Price to Sales(TTM) 6.64 | ||
Enterprise Value to Revenue 6.25 | Enterprise Value to EBITDA - | Shares Outstanding 73886400 | Shares Floating 62187242 |
Shares Outstanding 73886400 | Shares Floating 62187242 | ||
Percent Insiders 18.42 | Percent Institutions 53.62 |
Upturn AI SWOT
Lemonade Inc
Company Overview
History and Background
Lemonade, Inc. was founded in 2015 and went public in July 2020. It aims to disrupt the traditional insurance model by using AI and behavioral economics to offer renters, homeowners, car, pet, and term life insurance.
Core Business Areas
- Renters Insurance: Provides coverage for renters' personal belongings, liability, and additional living expenses.
- Homeowners Insurance: Offers coverage for homeowners' property, liability, and additional living expenses.
- Car Insurance: Provides coverage for auto accidents, liability, and property damage.
- Pet Insurance: Covers veterinary expenses for pets due to accidents, illnesses, and preventative care.
- Term Life Insurance: Offers coverage to pay out to beneficiaries upon death of insured.
Leadership and Structure
Daniel Schreiber (CEO) and Shai Wininger (COO) co-founded Lemonade. The company has a relatively flat organizational structure focused on empowering small, cross-functional teams.
Top Products and Market Share
Key Offerings
- Renters Insurance: Lemonade's renters insurance is a key offering, focusing on affordability and ease of use through its AI-powered platform. Market share is growing, but still relatively small compared to larger incumbents. Competitors include State Farm, Allstate, and GEICO.
- Homeowners Insurance: Lemonade offers homeowners insurance, leveraging its AI platform for quick quotes and claims processing. Market share is smaller than renters insurance, but growing. Competitors include State Farm, Allstate, Progressive and Liberty Mutual.
- Car Insurance: Lemonade car insurance expands the company's reach in insurance. Competitors include State Farm, Geico, Progressive, and Allstate.
- Market Share (%):
Market Dynamics
Industry Overview
The insurance industry is undergoing digital transformation, with increased adoption of AI and online platforms. Competition is intense with established players and emerging insurtech companies.
Positioning
Lemonade positions itself as a tech-driven, customer-centric alternative to traditional insurance companies. Its competitive advantages include its AI-powered platform, user-friendly mobile app, and focus on social good through its Giveback program.
Total Addressable Market (TAM)
The total addressable market for insurance is massive, estimated to be in the trillions of dollars globally. Lemonade is positioned to capture a larger share of this market by targeting younger demographics and offering innovative insurance solutions.
Upturn SWOT Analysis
Strengths
- AI-powered platform for efficient operations
- User-friendly mobile app
- Strong brand image among younger demographics
- Focus on social good (Giveback program)
Weaknesses
- Relatively small market share compared to incumbents
- Limited product offerings compared to larger insurers
- High customer acquisition costs
- Reliance on reinsurance
Opportunities
- Expansion into new insurance products (e.g., auto, pet, life)
- Geographic expansion into new markets
- Partnerships with other companies
- Further development of AI and data analytics capabilities
Threats
- Intense competition from established insurance companies
- Potential for regulatory changes
- Economic downturn affecting insurance demand
- Data breaches and cybersecurity risks
Competitors and Market Share
Key Competitors
- TRV
- ALL
- BRK.B
- PGR
- MET
Competitive Landscape
Lemonade differentiates itself through its technology and customer experience. However, it faces strong competition from established players with greater financial resources and brand recognition.
Major Acquisitions
Metromile
- Year: 2022
- Acquisition Price (USD millions): 145
- Strategic Rationale: The acquisition of Metromile aimed to accelerate Lemonade's car insurance business by leveraging Metromile's data science and pay-per-mile technology.
Growth Trajectory and Initiatives
Historical Growth: Lemonade has experienced rapid growth in its early years, driven by its innovative products and marketing strategies.
Future Projections: Analysts project continued revenue growth for Lemonade, but also expect the company to remain unprofitable in the near term. Future growth will depend on its ability to expand its product offerings, control its loss ratio, and acquire new customers efficiently.
Recent Initiatives: Recent initiatives include the launch of Lemonade Car, the expansion of its pet insurance product, and continued investment in its AI platform.
Summary
Lemonade is an innovative insurtech company with a strong brand and a technology-driven approach. While it faces significant competition and has yet to achieve profitability, its growth potential remains high. Successfully integrating acquisitions and controlling loss ratios are key to its future success. The company must manage customer acquisition costs while navigating a dynamic insurance landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Lemonade Investor Relations
- SEC Filings
- Third-party market research reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lemonade Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2020-07-02 | CO-Founder, Chairman & CEO Mr. Daniel Asher Schreiber | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1235 | Website https://www.lemonade.com |
Full time employees 1235 | Website https://www.lemonade.com | ||
Lemonade, Inc. provides various insurance products in the United States, Europe, and the United Kingdom. The company offers renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also provides insurance for stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.
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