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Upturn AI SWOT - About
LMND 
Lemonade Inc (LMND)
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Upturn Advisory Summary
06/13/2025: LMND (3-star) is a STRONG-BUY. BUY since 11 days. Profits (20.81%). 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.
Analysis of Past Performance
Type Stock | Historic Profit -9.89% | Avg. Invested days 20 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.09B USD | Price to earnings Ratio - | 1Y Target Price 30.43 |
Price to earnings Ratio - | 1Y Target Price 30.43 | ||
Volume (30-day avg) 2339351 | Beta 2.15 | 52 Weeks Range 14.03 - 53.85 | Updated Date 06/14/2025 |
52 Weeks Range 14.03 - 53.85 | Updated Date 06/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -38.9% | Operating Margin (TTM) -38.43% |
Management Effectiveness
Return on Assets (TTM) -7.54% | Return on Equity (TTM) -35.57% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2779581899 | Price to Sales(TTM) 5.53 |
Enterprise Value 2779581899 | Price to Sales(TTM) 5.53 | ||
Enterprise Value to Revenue 4.98 | Enterprise Value to EBITDA - | Shares Outstanding 73266200 | Shares Floating 60451917 |
Shares Outstanding 73266200 | Shares Floating 60451917 | ||
Percent Insiders 24.64 | Percent Institutions 56.03 |
Analyst Ratings
Rating 2.38 | Target Price 30.57 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell 2 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Lemonade Inc
Company Overview
History and Background
Lemonade Inc. was founded in 2015 by Daniel Schreiber and Shai Wininger. It aims to disrupt the insurance industry with AI and behavioral economics. They launched in 2016, initially offering renters and homeowners insurance.
Core Business Areas
- Renters Insurance: Provides insurance coverage for renters, covering personal property, liability, and additional living expenses.
- Homeowners Insurance: Offers insurance coverage for homeowners, protecting their dwelling, personal property, and liability.
- Pet Insurance: Provides insurance coverage for pets, covering vet bills and other related expenses.
- Car Insurance: Offers auto insurance policies, covering various aspects like liability, collision, and comprehensive damage.
- Term Life Insurance: Offers term life insurance policies.
Leadership and Structure
Daniel Schreiber serves as the Co-CEO and Shai Wininger as the President and CTO. The company has a relatively flat organizational structure with technology and customer experience at its core.
Top Products and Market Share
Key Offerings
- Renters Insurance: Lemonade's initial offering; estimates suggest they have a single-digit percentage share of the renters insurance market. Competitors include State Farm, Allstate, and Geico.
- Homeowners Insurance: Expanding segment; market share remains small, but growing. Competitors include State Farm, Allstate, and Progressive.
- Pet Insurance: A fast-growing segment; Lemonade is gaining traction but faces competition from Trupanion and Pets Best.
- Car Insurance: Relatively newer offering, small but growing market share, competing against Geico, State Farm and Progressive.
- Term Life Insurance: Relatively new offering, small but growing market share, competing against Haven Life and Bestow.
Market Dynamics
Industry Overview
The insurance industry is undergoing digital transformation with increased use of AI and data analytics. The market is competitive with established players and new entrants.
Positioning
Lemonade positions itself as a tech-driven, customer-centric insurance provider offering a simplified and transparent experience. Their competitive advantage lies in their AI-powered platform and focus on social impact.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance is estimated to be in the hundreds of billions of dollars. Lemonade, with its tech-driven approach, is positioned to capture a growing share of this market.
Upturn SWOT Analysis
Strengths
- AI-powered platform
- Customer-centric approach
- Strong brand image
- Socially conscious mission
- Efficient claims process
Weaknesses
- Relatively small market share
- High marketing expenses
- Limited product offerings compared to larger insurers
- History of net losses
Opportunities
- Expansion into new insurance products
- Geographic expansion
- Strategic partnerships
- Increased adoption of digital insurance solutions
Threats
- Competition from established insurers
- Regulatory changes
- Economic downturns
- Data security breaches
Competitors and Market Share
Key Competitors
- ALL
- BRK.A
- PGR
- TRUP
Competitive Landscape
Lemonade competes with established insurance companies and other insurtech startups. Its advantages include its AI-powered platform and customer experience, while its disadvantages include its smaller size and limited product offerings. Lemonade's competitors include larger companies like Berkshire Hathaway (BRK.A), Allstate (ALL), Progressive (PGR) and digital-first companies like Root and Metromile (acquired by Lemonade).
Major Acquisitions
Metromile
- Year: 2022
- Acquisition Price (USD millions): 145
- Strategic Rationale: The acquisition of Metromile aimed to accelerate Lemonade's car insurance business and gain access to Metromile's data and technology.
Growth Trajectory and Initiatives
Historical Growth: Lemonade has demonstrated revenue growth, although it has not yet achieved profitability. Their growth is driven by increased customer acquisition and expansion into new markets.
Future Projections: Future growth projections vary among analysts. Revenue is expected to continue growing. Continued losses are also expected.
Recent Initiatives: Lemonade has recently expanded into auto insurance and term life insurance and has invested in technology to improve its AI capabilities.
Summary
Lemonade is a disruptive insurtech company with a strong brand and innovative AI-powered platform, but it has yet to achieve profitability. Its customer-centric approach and socially conscious mission have resonated well. However, Lemonade needs to manage its high marketing expenses and expand its product offerings to compete effectively with established players. Its expansion into new insurance products and geographic markets will be crucial for its long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Reports
- Lemonade Investor Relations
- Third-party Financial Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a financial professional before making any investment decisions.
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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