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LMND · Lemonade, Inc.

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$53.37 +2.66 (+5.25%) At close · Aug 21
Market Cap
$4.13B
Shares
77.40M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$53.37 Open$51.60 Day$51.02–53.49 52W close$47.38–96.57 Avg vol 30d1.4M Short int10.5M · 13.5% float · 5.6d Short vol44% Last earningsJul 29, 2026 DataJul 2020–Aug 2026 Filing10-Q · Aug 4

Up next

Next earnings call
Oct 29, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 4, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Sell
      SellHoldBuy
      Technical Sell Momentum Very Weak Sentiment Bearish Fundamentals Strong Quant / Vol Very High
      Market backdrop VIX 15.1 · calm Equity put/call 0.51
      Technical
      price trend
      Sell
      50 / 200-day cross No cross
      Price vs 200-day avg −18%
      below
      Price vs 50-day avg −11%
      below
      RSI (14) 46
      neutral
      MACD trend Positive
      52-week position 12%
      near low
      Momentum
      relative strength
      Very Weak
      1-month return −11%
      trailing
      6-month return 0%
      trailing
      YTD return −25%
      this year
      Relative strength −11%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $60 › 200d $65 — 200d above 50d
      Institutional flow Distributing
      -3% holders QoQ · +58 funds added
      Insider flow Distributing
      Net -$1.0M over 90 days · 100% sells
      Short interest Rising
      13.54% of float · ▲ +3.3% MoM · 5.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      341 holders — mid 3-yr range
      Squeeze score 74
      high risk · 0–100
      Fundamentals
      Strong
      Revenue growth +40%
      Y/Y
      EPS growth +21%
      Y/Y
      Free cash flow $-25.9M
      Balance sheet $385.0M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 82%
      annualized · 1-yr
      Max drawdown −51%
      past year
      ATR 5.7%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 6 of last 6
      Latest guidance · from the 8-K filed Apr 29, 2026
      Revenue · Full Year 2026 $1.2B – $1.2B
      Stock-based compensation expense · Full Year 2026 $95M
      Prior guidance period ended · from the 8-K filed Apr 29, 2026
      Revenue · Q2 2026 $287M – $290M
      Stock-based compensation expense · Q2 2026 $24M
      Guided vs delivered · last 6 settled
      Revenue Q1 2024
      guided $111M – $113M
      $119.1M Beat +6.3%
      Revenue full year 2024
      guided $505M – $510M
      $526.5M Beat +3.7%
      Revenue fourth quarter
      guided $107M – $109M
      $115.5M Beat +6.9%
      Revenue full year
      guided $421M – $423M
      $429.8M Beat +1.8%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Sell
      3 · 2 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −18% Bearish
      Price vs 50-day avg
      −11% Bearish
      RSI (14)
      46 Neutral
      MACD trend
      Positive Bullish
      52-week position
      12% Bearish
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $60 › 200d $65 — 200d above 50d
      Institutional flow Distributing
      -3% holders QoQ · +58 funds added
      Insider flow Distributing
      Net -$1.0M over 90 days · 100% sells
      Short interest Rising
      13.54% of float · ▲ +3.3% MoM · 5.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      341 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $47 Now $53 · 12% Range high $97
      vs 200-day avg -18% vs 50-day avg -11%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted Gross Profit non-GAAP $114.4M Q2 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Gross profit 113.2M
      -9.7M Net investment income
      -1.2M Interest income and other income
      +4.9M Employee-related expense
      +6.7M Professional fees and other
      +0.5M Depreciation and amortization
      = Adjusted gross profit 114.4M
      Adjusted Gross Profit Margin non-GAAP 39% Q2 2026 —
      Annual dollar retention (end of period) 85% Three Months Ended June 30 —
      Car LAE Ratio 7% Q2 2026 —
      Gross earned premium $332.4M Three Months Ended June 30 —
      Gross loss ratio 60% Three Months Ended June 30 —
      Gross loss ratio ex-CAT 58% Q2 FY2026 —
      Gross Profit Margin 38% Q2 2026 —
      In Force Premium $1.43B Q2 2026 —
      LAE Ratio 5% Q2 2026 —
      Net Loss Ratio 61% Q2 2026 —
      Ratio of Adjusted Gross Profit to Gross Earned Premium non-GAAP 34% Q2 2026 —
      TTM gross loss ratio 59% Q2 FY2026 —
      Annual Dollar Retention (ADR) 85% Q1 2026 —
      Cost of Handling Pet Claims $14 Q4 2025 —
      TTM Gross Loss Ratio (Car) 70% Q4 2025 —
      TTM Gross Loss Ratio (Europe) 74% Q4 2025 —
      TTM Gross Loss Ratio (Pet) 70% Q4 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Insurance - Property & Casualty — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      LMND
      Lemonade, Inc.
      this stock
      		$4.13B -25.0% +40.2% — 13.5%
      CB
      Chubb Ltd
      		 $132.26B +9.2% +6.5% 12.1 1.1%
      PGR
      Progressive Corp/Oh/
      		 $127.48B -3.7% +16.3% 11.0 1.4%
      TKOMY
      Tokio Marine Holdings, Inc.
      		 $87.75B +24.9% — — 0.0%
      TRV
      Travelers Companies, Inc.
      		 $75.83B +25.3% +5.2% 9.8 3.6%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      341
      % held
      67.4%
      Net QoQ
      +1.7M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      199
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      10.5M
      Days to cover
      5.6d
      Change
      +333.7K sh
      View
      Short Volume
      Short vol %
      44%
      As of
      Aug 21, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      1
      Value
      $67
      As of
      Jul 21, 2026
      View
      Off-Exchange
      Off-exchange %
      41.6%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$1.0M
      Buyers / Sellers
      0 / 3
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      William F Hagerty, IV
      Amount
      $1.0K–$15.0K
      Traded
      May 6, 2022
      View
      Financials
      Financials
      Revenue (FY)
      $737.9M
      Net income (FY)
      $-165.5M
      EPS diluted
      $-2.24
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 4, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $578.0K
      Shares
      11.0K
      Filed
      Aug 13, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 29, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      LMND +1.4% -11.3% +0.2% +10.5% -25.0%
      SPY -1.4% +3.6% +11.6% +2.5% +12.3%
      vs SPY +2.8% -14.9% -11.4% +8.0% -37.3%
      Key facts CIK 1691421 CUSIP 52567D107 13F (30d) 302 filings 294 filers Visit website Investor relations

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