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Upturn AI Summary - About
Lemonade Inc(LMND)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LMND
09/25/2026: LMND (1-star) is currently NOT-A-BUY. Pass it for now.
Lemonade Inc is a technology-first insurance company that aims to disrupt the traditional personal lines market through AI-driven automation and behavioral economics. The company has a leading position in appealing to younger, mobile-first consumers and has successfully expanded its product portfolio into life, pet, and auto insurance. Its primary investment story centers on the scalable nature of its AI platform, which aims to improve efficiency and customer experience over time. However, investors must consider the risks related to its ongoing net losses, high customer acquisition costs, and intense competition from well-capitalized legacy insurers. Lemonade is generally suited for growth-oriented investors who are comfortable with high volatility.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit while signal remains positive | Lemonade's focus on disruption and rapid premium growth appeals to those seeking high-potential tech-driven expansion. |
| Momentum investor | Mixed fit | Momentum appeal depends on consistent signals of improved profitability and market share capture. |
| Value investor | Weak fit | The company's lack of current profitability makes it an unsuitable candidate for traditional value-based investment strategies. |
| Dividend investor | Weak fit | Lemonade does not pay dividends, making it inappropriate for income-focused portfolios. |
| Low-risk investor | Weak fit | High volatility and the absence of established profitability create risks that typically conflict with low-risk investment goals. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's growth-stage nature leads to significant price fluctuations based on sentiment and earnings misses. |
| Valuation risk | Medium / high | Valuation is sensitive to growth expectations, making the stock susceptible to corrections if growth slows. |
| Competition risk (AI competition) | High | Legacy insurers are aggressively adopting digital tools, threatening to erode Lemonade's first-mover tech advantage. |
| Business quality | Medium | The business model is innovative, but the path to sustainable, high-margin profitability is still being proven. |
| Dividend income | Low / none | There is no dividend income, so it does not meet income-generation requirements. |
| Execution risk | High | Success depends on the company's ability to maintain low loss ratios while scaling its AI platform. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit -23.13% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.50B USD | Price to earnings Ratio - | 1Y Target Price 59.22 |
Price to earnings Ratio - | 1Y Target Price 59.22 | ||
Volume (30-day avg) 1.0M shares | Beta 1.87 | 52 Weeks Range 43.28 - 99.90 | Updated Date 09/25/2026 |
52 Weeks Range 43.28 - 99.90 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Premiums | Collects premiums from customers for home, car, life, and pet insurance products. | Revenue is generated by selling insurance policies, though net profit depends on keeping claims costs lower than premiums. |
| Geographic Operations | Primary operations are focused on the United States, with some international expansion efforts. | The company relies heavily on the US insurance market, exposing it to regional regulatory and competitive dynamics. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE - | Enterprise Value 3.29B | Price to Sales(TTM) 3.59 |
Enterprise Value 3.29B | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 3.38 | Enterprise Value to EBITDA - | Shares Outstanding 77.40M | Shares Floating 71.77M |
Shares Outstanding 77.40M | Shares Floating 71.77M | ||
Percent Insiders 8.56 | Percent Institutions 61.37 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Lemonade Inc
Exchange NYSE | Headquarters 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 1282 | Website https://www.lemonade.com |
Full time employees 1282 | Website https://www.lemonade.com | ||
Lemonade, Inc. provides various insurance products in the United States, Europe, and the United Kingdom. The company provides renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also offers 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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