LMND
BEARISH
$65.77
Live
Lemonade, Inc. · NYSE
Target $65.11
(-1.0%)
$27.63
52W Range
$99.9
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 29, 2026
Market cap
$5.05B
P/E
N/A
ROE
-29.4%
Profit margin
-22.4%
Debt/Equity
0.34
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Lemonade exhibits critical financial weakness with a Piotroski F-Score of 1/9, indicating severe instability in fundamental health. While the company demonstrates impressive top-line revenue growth of 53.5%, it remains deeply unprofitable with a negative ROE of -29.37% and a negative profit margin. Insider sentiment is strongly bearish, characterized by significant selling from the CEO and CFO with zero buying activity. The current valuation represents a massive premium over book value (P/B 9.36), making the stock a high-risk speculative play despite recent price momentum.
Key Strengths
Exceptional YoY revenue growth of 53.50%
Consistent track record of beating earnings estimates (3/4 last 4 quarters)
Relatively low Debt/Equity ratio of 0.34
Strong 1-year price performance (+122.8%)
High gross margins (52.98%) indicating a scalable core product
Key Risks
Severe fundamental instability as evidenced by a Piotroski F-Score of 1/9
Persistent net losses and negative ROE (-29.37%)
Aggressive insider selling totaling $22.39M with no offsetting buys
Extremely high valuation multiples (P/B 9.36, P/S 6.85)
Tight liquidity position with a Current Ratio of 1.00 and Quick Ratio of 0.71
AI Fair Value Estimate
Based on comprehensive analysis
$65.11
-1.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
31
Weak
15
85
45
10
0
AI Verdict
Speculative Growth
Key drivers: Hyper-growth revenue, Critical financial health failure, Bearish insider activity
Confidence
90%
Value
15/100
Graham Number and Intrinsic Value are N/A due to lack of positive earnings.
Positives
No standout positives identified.
Watchpoints
- P/B of 9.36 is excessive for insurance
- Negative Forward P/E
- P/S of 6.85 is high for the sector
Future
85/100
Growth rates are the primary driver of the current stock price.
Positives
- 53.5% YoY Revenue Growth
- 53.29% Q/Q Revenue Growth
- Improving EPS surprises
Watchpoints
- Path to profitability remains unclear
Past
45/100
Recent momentum masks long-term capital erosion.
Positives
- Strong 1Y and 3Y price recovery
Watchpoints
- 5Y change is still negative (-28.9%)
- Long history of negative EPS
Health
10/100
Piotroski score indicates the company is in the weakest health tier.
Positives
- Low Debt/Equity
Watchpoints
- Piotroski F-Score 1/9
- Negative ROA and ROE
- Quick Ratio below 1.0
Dividend
0/100
Company is in a growth/loss phase; dividends are not applicable.
Positives
No standout positives identified.
Watchpoints
- No dividend paid
- No history of payouts
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$65.77
Analyst Target
$65.11
Upside/Downside
-1.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LMND and closest competitors.
Updated 2026-04-28
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LMND
Lemonade, Inc.
Primary
|
-28.9% | +506.7% | +122.8% | +14.8% | +12.0% | -0.4% |
|
IFS
Intercorp Financial Services Inc.
Peer
|
+124.9% | +126.2% | +39.4% | +12.6% | -1.6% | -4.4% |
|
HLNE
Hamilton Lane Incorporated
Peer
|
+7.1% | +35.3% | -32.0% | -21.2% | -5.5% | -2.0% |
|
AX
Axos Financial, Inc.
Peer
|
+123.1% | +117.6% | +29.3% | +8.3% | +3.2% | -2.9% |
|
ASB
Associated Banc-Corp
Peer
|
+58.3% | +79.1% | +38.4% | +12.5% | +12.5% | +0.9% |
LMN
Lemonade, Inc.
Primary
5Y
-28.9%
3Y
+506.7%
1Y
+122.8%
6M
+14.8%
1M
+12.0%
1W
-0.4%
IFS
Intercorp Financial Services Inc.
Peer
5Y
+124.9%
3Y
+126.2%
1Y
+39.4%
6M
+12.6%
1M
-1.6%
1W
-4.4%
HLN
Hamilton Lane Incorporated
Peer
5Y
+7.1%
3Y
+35.3%
1Y
-32.0%
6M
-21.2%
1M
-5.5%
1W
-2.0%
AX
Axos Financial, Inc.
Peer
5Y
+123.1%
3Y
+117.6%
1Y
+29.3%
6M
+8.3%
1M
+3.2%
1W
-2.9%
ASB
Associated Banc-Corp
Peer
5Y
+58.3%
3Y
+79.1%
1Y
+38.4%
6M
+12.5%
1M
+12.5%
1W
+0.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
-182.69
PEG Ratio
N/A
P/B Ratio
9.36
P/S Ratio
6.85
EV/Revenue
6.51
EV/EBITDA
-39.56
Market Cap
$5.05B
Profitability
Profit margins and return metrics
Profit Margin
-22.43%
Operating Margin
-3.5%
Gross Margin
52.98%
ROE
-29.37%
ROA
-4.53%
Growth
Revenue and earnings growth rates
Revenue Growth
+53.5%
Earnings Growth
N/A
Q/Q Revenue Growth
+53.29%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.34
Low debt
Current Ratio
1.0
Weak
Quick Ratio
0.71
Poor
Cash/Share
$5.22
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Net Margin
-9.5%
Total Assets
$1.9B
Liabilities
$1.4B
Equity
$0.5B
Debt/Equity
2.61x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
85%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-02-19
$-0.29
+32.6% surprise
2025-11-05
$-0.55
+22.6% surprise
2025-08-05
$-0.76
+0.2% surprise
Financial Services Sector Comparison
Comparing LMND against 864 companies in the Financial Services sector
(145 bullish, 368 neutral, 351 bearish)
Return on Equity (ROE)
-29.37%
This Stock
vs
-0.39%
Sector Avg
+7489.5%
(Excellent)
Profit Margin
-22.43%
This Stock
vs
93.92%
Sector Avg
-123.9%
(Weaker)
Debt to Equity
0.34
This Stock
vs
1.35
Sector Avg
-74.8%
(Less Debt)
Revenue Growth
53.5%
This Stock
vs
36.33%
Sector Avg
+47.3%
(Fast Growth)
Current Ratio
1.0
This Stock
vs
3.06
Sector Avg
-67.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LMND
Lemonade, Inc.
|
BEARISH | $5.05B | - | -29.4% | -22.4% | $65.77 | |
|
IFS
Intercorp Financial Services Inc.
|
NEUTRAL | $5.0B | 9.38 | 16.6% | 35.2% | $45.01 | Compare |
|
HLNE
Hamilton Lane Incorporated
|
BULLISH | $5.15B | 16.9 | 31.7% | 30.6% | $92.28 | Compare |
|
AX
Axos Financial, Inc.
|
NEUTRAL | $5.2B | 12.94 | 16.7% | 36.0% | $91.75 | Compare |
|
ASB
Associated Banc-Corp
|
BULLISH | $5.24B | 10.05 | 9.9% | 33.1% | $27.85 | Compare |
LMND
Lemonade, Inc.
BEARISH
Mkt Cap
$5.1B
P/E
-
ROE
-29.4%
Price
$65.77
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-18 | SCHREIBER DANIEL A | Chief Executive Officer | Stock Award | 1,000,000 | - |
| 2026-03-18 | WININGER SHAI | President | Stock Award | 1,000,000 | - |
| 2026-03-10 | ANGELIDIS SMITH MARIA | Director | Stock Award | 8,740 | $485,478 |
| 2026-03-10 | ANGELIDIS SMITH MARIA | Director | Purchase | 8,740 | $485,478 |
| 2026-03-06 | ECKSTEIN ADINA | Chief Operating Officer | Stock Award | 145,112 | - |
| 2026-03-06 | PROSOR MAYA | Officer | Stock Award | 181,389 | - |
| 2026-03-04 | PETERS JOHN SHELDON | Officer | Sale | 5,344 | $276,340 |
| 2026-03-03 | BIXBY TIMOTHY E | Chief Financial Officer | Sale | 2,135 | $107,006 |
| 2026-03-03 | PROSOR MAYA | Officer | Sale | 223 | $11,177 |
| 2026-02-12 | PETERS JOHN SHELDON | Officer | Option Exercise | 11,845 | $137,520 |
| 2026-01-23 | SCHREIBER DANIEL A | Chief Executive Officer | Sale | 9,108 | $902,056 |
| 2026-01-22 | SCHREIBER DANIEL A | Chief Executive Officer | Sale | 126,625 | $11,996,452 |
| 2026-01-22 | PETERS JOHN SHELDON | Officer | Sale | 9,000 | $810,000 |
| 2026-01-08 | PETERS JOHN SHELDON | Officer | Option Exercise | 18,457 | $97,084 |
| 2026-01-06 | PETERS JOHN SHELDON | Officer | Sale | 10,000 | $800,000 |
SCHREIBER DANIEL A
Chief Executive Officer
2026-03-18
1,000,000 shares
WININGER SHAI
President
2026-03-18
1,000,000 shares
ANGELIDIS SMITH MARIA
Director
2026-03-10
8,740 shares
·
$485,478
ANGELIDIS SMITH MARIA
Director
2026-03-10
8,740 shares
·
$485,478
ECKSTEIN ADINA
Chief Operating Officer
2026-03-06
145,112 shares
PROSOR MAYA
Officer
2026-03-06
181,389 shares
PETERS JOHN SHELDON
Officer
2026-03-04
5,344 shares
·
$276,340
BIXBY TIMOTHY E
Chief Financial Officer
2026-03-03
2,135 shares
·
$107,006
PROSOR MAYA
Officer
2026-03-03
223 shares
·
$11,177
PETERS JOHN SHELDON
Officer
2026-02-12
11,845 shares
·
$137,520
SCHREIBER DANIEL A
Chief Executive Officer
2026-01-23
9,108 shares
·
$902,056
SCHREIBER DANIEL A
Chief Executive Officer
2026-01-22
126,625 shares
·
$11,996,452
PETERS JOHN SHELDON
Officer
2026-01-22
9,000 shares
·
$810,000
PETERS JOHN SHELDON
Officer
2026-01-08
18,457 shares
·
$97,084
PETERS JOHN SHELDON
Officer
2026-01-06
10,000 shares
·
$800,000
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
8-K
10-Q
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
9 analysts
Morgan Stanley
2026-03-17
Equal-Weight
Overweight
Keefe, Bruyette & Woods
2026-02-24
Underperform
Underperform
Cantor Fitzgerald
2026-01-14
Overweight
Overweight
Truist Securities
2026-01-06
Buy
Keefe, Bruyette & Woods
2025-11-25
Underperform
Underperform
Citizens
2025-11-24
Market Outperform
Market Outperform
Morgan Stanley
2025-11-17
Underweight
Underweight
Morgan Stanley
2025-11-10
Underweight
Underweight
Past News Coverage
Recent headlines mentioning LMND from our newsroom.
Newest → oldest
No matching news yet.