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Lemonade Inc (LMND)




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Upturn Advisory Summary
06/27/2025: LMND (3-star) is a STRONG-BUY. BUY since 20 days. Profits (25.55%). Updated daily EoD!
Year Target Price $30.43
Year Target Price $30.43
0 | Strong Buy |
1 | Buy |
4 | Hold |
0 | Under performing |
4 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.35% | Avg. Invested days 21 | Today’s Advisory Strong Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.08B USD | Price to earnings Ratio - | 1Y Target Price 30.43 |
Price to earnings Ratio - | 1Y Target Price 30.43 | ||
Volume (30-day avg) - | Beta 2.15 | 52 Weeks Range 14.90 - 53.85 | Updated Date 06/29/2025 |
52 Weeks Range 14.90 - 53.85 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.04 |
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 2896075110 | Price to Sales(TTM) 5.52 |
Enterprise Value 2896075110 | Price to Sales(TTM) 5.52 | ||
Enterprise Value to Revenue 5.18 | Enterprise Value to EBITDA - | Shares Outstanding 73266200 | Shares Floating 60418214 |
Shares Outstanding 73266200 | Shares Floating 60418214 | ||
Percent Insiders 24.65 | Percent Institutions 46.27 |
Analyst Ratings
Rating 2.44 | Target Price 30.43 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 4 | Sell 2 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Lemonade Inc

Company Overview
History and Background
Lemonade Inc. was founded in 2015 and went public in 2020. It is an insurtech company utilizing AI and behavioral economics to offer insurance products. It aims to disrupt the traditional insurance model by providing a faster, more transparent, and customer-friendly experience.
Core Business Areas
- Homeowners Insurance: Offers insurance coverage for homeowners, including protection against damages, theft, and liability.
- Renters Insurance: Provides insurance for renters covering personal belongings, liability, and additional living expenses.
- Pet Insurance: Covers veterinary care and other expenses related to pet health.
- Car Insurance: Offers Auto insurance policies
- Term Life Insurance: Offers insurance coverage for a specific term, providing a death benefit to beneficiaries.
Leadership and Structure
Daniel Schreiber (CEO) and Shai Wininger (COO) lead Lemonade. The company has a modern, tech-focused organizational structure.
Top Products and Market Share
Key Offerings
- Renters Insurance: Lemonade's renters insurance is a core product, primarily targeting younger demographics. Competitors include State Farm, Allstate, and Progressive. Market share is relatively small but growing. Data unavailable for revenue specifically from renters insurance.
- Homeowners Insurance: Lemonade offers homeowners insurance, expanding its coverage options. Competitors include State Farm, Allstate, Liberty Mutual, and Progressive. Market share is smaller compared to established players. Data unavailable for revenue specifically from homeowners insurance.
- Pet Insurance: Lemonade offers insurance for pet owners covering medical expenses. Competitors include Trupanion and Pets Best. Data unavailable for revenue specifically from Pet insurance. Market share is relatively small but growing.
- Car Insurance: Lemonade offers Auto insurance and competes with industry giants, such as Geico, State Farm, and Progressive. Market share is smaller compared to established players. Data unavailable for revenue specifically from car insurance.
Market Dynamics
Industry Overview
The insurance industry is undergoing digital transformation, with insurtech companies like Lemonade attempting to disrupt traditional models. AI, automation, and data analytics are increasingly important.
Positioning
Lemonade positions itself as a technology-driven, customer-centric insurance provider. Its competitive advantages include a user-friendly app, fast claim processing, and a focus on social impact.
Total Addressable Market (TAM)
The global insurance market is multi-trillion dollar market. Lemonade, as an insurtech company, is positioned to capture a portion of this massive TAM by offering innovative and digitally-driven insurance solutions. However, due to the company's limited resources, Lemonadeu00a0Inc is focused on the USA market
Upturn SWOT Analysis
Strengths
- Innovative technology platform
- User-friendly mobile app
- Fast claims processing
- Strong brand image with younger demographics
- Socially conscious business model
Weaknesses
- High customer acquisition costs
- Relatively small market share compared to established insurers
- Limited product offerings compared to larger competitors
- High loss ratio at times
- Reliance on reinsurance
Opportunities
- Expanding product offerings (e.g., life insurance, travel insurance)
- Geographic expansion
- Partnerships with other tech companies
- Increasing adoption of digital insurance solutions
- Further development of AI and machine learning capabilities
Threats
- Competition from established insurance companies
- Regulatory changes
- Economic downturn impacting insurance demand
- Cybersecurity risks
- Natural disasters increasing claims payouts
Competitors and Market Share
Key Competitors
- ALL (The Allstate Corporation)
- PRGR (Progressive Corporation)
- TRV (The Travelers Companies, Inc.)
Competitive Landscape
Lemonade's advantages lie in its technology and customer experience. Disadvantages include its smaller size and limited product offerings compared to larger, established insurers. The company needs to continue innovation to compete effectively.
Major Acquisitions
Metromile
- Year: 2022
- Acquisition Price (USD millions): 145
- Strategic Rationale: Lemonade acquired Metromile to accelerate its entry into the car insurance market and acquire its technology and data.
Growth Trajectory and Initiatives
Historical Growth: Lemonade experienced rapid revenue growth in its early years, driven by customer acquisition and expansion into new markets. However, growth has slowed more recently.
Future Projections: Analyst estimates vary, with some projecting continued revenue growth but also ongoing losses. Profitability is expected to improve over time.
Recent Initiatives: Recent initiatives include expanding product lines (e.g., car insurance), investing in technology, and focusing on improving customer retention.
Summary
Lemonade is a tech-driven insurance company aiming to disrupt the industry, although they currently have relatively small market share. Their innovative approach and customer-centric focus are strengths, but profitability and scaling remain challenges. Expanding product offerings and managing costs are crucial for future success and continuing to compete against companies that have been around for years.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Reports
- Lemonade Investor Relations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. The AI-based rating is an estimate and should not be the sole basis for investment decisions. Market share estimations are based on available data and may not be exact.
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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