LMND Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

03

Prezzo $46.40

Capitalizzazione di Mercato (MRQ) $3.59B

P/E (TTM) -25.6

EPS (TTM) $-1.81

Ricavi (TTM) $975M

ROE (TTM) -27.0%

Intervallo 52 sett. $43–$100

LMND Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

04

intervallo

barre

La granularità delle barre si adatta al periodo selezionato — passa il mouse sul grafico per vedere apertura/massimo/minimo/chiusura di una barra.

Informazioni su Lemonade, Inc. Common Stock Panoramica della società da Wikipedia

05 · wikidata

Lemonade, Inc. is an American insurance company. The company offers renters' insurance, homeowners' insurance, car insurance, pet insurance, and term life insurance in the United States, as well as contents and liability policies in Germany and the Netherlands and renters' insurance in France. The company is based in New York City and has approximately 2.9 million customers. Lemonade's business model focuses heavily on the usage of artificial intelligence and chatbots, with the company selling 98% of its policies through AI and handling over 60% of claims with AI.

History

2015–2019

Lemonade was founded by Daniel Schreiber (former president of Powermat Technologies) and Shai Wininger (co-founder of Fiverr) in April 2015. Schreiber and Wininger were tech entrepreneurs with no insurance background.

In December 2015, the company secured $13 million in seed money from Sequoia Capital and Aleph.

In August 2016, the company raised $13 million in funding from XL Innovate (part of XL Group), followed by a $34 million Series B funding round in December 2016. The Series B round was led by General Catalyst with participation from Thrive Capital, Tusk Ventures, and GV (formerly Google Ventures).

In May 2016, Lemonade became one of the few insurance companies to receive B-Corporation certification.

In April 2017, the company announced additional investors: Allianz and Ashton Kutcher’s Sound Ventures. In December 2017, Softbank invested an additional $120 million in the company in a Series C round, increasing the total money raised by the company to around $180 million.

In April 2019, Lemonade announced a further $300 million investment in a Series D financing led by SoftBank Group, with participation from Allianz, General Catalyst, GV, OurCrowd, and Thrive Capital, increasing the total money raised by the company to $480 million.

2020–present

In April 2020, the company launched in the Netherlands.

On July 1, 2020, the company became a public company via an initial public offering. The company sold 11,000,000 shares of its common stock, each share priced at $29.00, under the ticker symbol "LMND" on the New York Stock Exchange.

In December 2020, it began offering insurance in France. It also won a trademark dispute with T-Mobile over the use of the color pink.

In May 2021, short-seller Carson Block wrote a letter to Lemonade co-founder and chief executive Daniel Schreiber sharing details of an “accidentally discovered” security flaw that exposed Lemonade customers’ personally identifiable account data. Block wrote that the bug was “unforgivably negligent,” and that his firm was shorting the company's stock “because it is clear Lemonade does not give a fuck about securing its customers’ sensitive personal information."

In November 2021, the company announced that it would fully acquire Metromile, Inc. The acquisition completed on July 29, 2022, following which Lemonade laid off 20% of Metromile's staff.

In January 2026, Lemonade partnered with Tesla to launch the Lemonade Autonomous Car Insurance, a first-of-its-kind offering designed specifically for self-driving cars.

Leggi di più Mostra meno

Fonte: Wikipedia (Inglese), CC BY-SA 4.0 · Vedi su Wikipedia ↗

Wikidata ↗

settoreFinancials industriaInsurance dipendenti1.282 paeseUS

Performance decennale Andamento di ricavi, utile netto, margini e EPS

06

Ricavi$738M

2018-12-31 → 2025-12-31

EPS$-2.24

2019-12-31 → 2025-12-31

Flusso di cassa libero$-26M

2020-12-31 → 2025-12-31

Margine netto-14.2%

2020-12-31 → 2025-12-31

Valutazione e Rapporti 07–12

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica	LMND	media 5 anni	Mediana dei peer	Verdetto
P/E (TTM)	-25.6media 5 anni ≈-12.6	≈-12.6	·	·
P/S (TTM)	3.7media 5 anni ≈7.8	≈7.8	1.9	Sopravvalutato
P/B (MRQ)	7.2media 5 anni ≈4.0	≈4.0	2.1	Sopravvalutato
Prezzo / FCF (TTM)	443.0media 5 anni ≈-73.6	≈-73.6	·	·
Prezzo / Flusso di cassa (TTM)	169.2media 5 anni ≈-118.9	≈-118.9	·	·
Prezzo / Valore contabile tangibile (MRQ)	7.3media 5 anni ≈4.2	≈4.2	·	·

La mediana dei peer viene calcolata su base standardizzata per metrica e potrebbe non corrispondere sempre alla base TTM/MRQ mostrata per questo titolo.

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica	LMND	media 5 anni	Mediana dei peer	Verdetto
EBITDA Margin (Margine EBITDA)	2.1%media 5 anni ≈3.8%	≈3.8%	0.97%	Di prim'ordine
Margine ante imposte (TTM)	-13.7%media 5 anni ≈-82.2%	≈-82.2%	20.8%	Debole
Margine di Profitto Netto (TTM)	-14.2%media 5 anni ≈-84.0%	≈-84.0%	16.2%	Debole
ROA (TTM)	-7.0%media 5 anni ≈-14.8%	≈-14.8%	7.1%	Debole
ROE (TTM)	-27.0%media 5 anni ≈-31.1%	≈-31.1%	22.2%	Debole

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica	LMND	media 5 anni	Mediana dei peer	Verdetto
Revenue YoY (Ricavi YoY)	40.2%media 5 anni ≈53.2%	≈53.2%	·	·
Revenue CAGR 3Y (CAGR Ricavi 3Y)	42.2%media 5 anni ≈56.0%	≈56.0%	·	·
Revenue CAGR 5Y (CAGR Ricavi 5Y)	50.9%	·	·	·

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica	LMND	media 5 anni	Mediana dei peer	Verdetto
EPS (Diluted) (EPS (Diluito))	$-2.24media 5 anni ≈$-3.40	≈$-3.40	·	·
Revenue / Share (Ricavi / Azione)	$9.98media 5 anni ≈$5.92	≈$5.92	·	·
Cash Flow / Share (Flusso di cassa / Azione)	$-0.22media 5 anni ≈$-1.39	≈$-1.39	·	·
Cash / Share (Liquidità / Azione)	$5.07media 5 anni ≈$4.50	≈$4.50	·	·

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica	Tendenza 5 anni	LMND	media 5 anni	Mediana dei peer	Verdetto
Asset Turnover (Rotazione delle attività)		0.4media 5 anni ≈0.2	≈0.2	0.4	In linea
Revenue / Employee (Ricavi / Dipendente)		≈$575.6K	·	·	·

valore · ≈ media 5 anni · mediana del settore · giudizio rispetto alla mediana

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

14

Sorpresa media 19.1%

Prossimo report Nov 03, 2026

Periodo	Rapporto	EPS Actual	EPS Stimato	Sorpresa
30 Giugno 2026	Ago 3, 2026	$-0.56	$-0.57	1.6%
31 Marzo 2026		$-0.47	$-0.58	18.6%
31 Dicembre 2025		$-0.29	$-0.41	28.7%
30 Settembre 2025		$-0.51	$-0.72	28.9%
30 Giugno 2025		$-0.60	$-0.81	25.8%
31 Marzo 2025		$-0.86	$-0.96	10.8%

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

15

Conto Economico 11

Metrica	2025	2024	2023	2022	2021	2020	2019
Revenue	$738M	$526M	$430M	$257M	$128M	$94M	$67M
R&D Expense	$94M	$86M	$89M	$80M	$52M	$19M	$10M
SG&A Expense	$140M	$124M	$129M	$122M	$73M	$46M	$22M
Pretax Income	$-161M	$-204M	$-230M	$-295M	$-234M	$-121M	$-108M
Income Tax	$5M	$-2M	$7M	$3M	$8M	$2M	$600.0K
Net Income	$-166M	$-202M	$-237M	$-298M	$-241M	$-122M	$-108M
EPS (Basic)	$-2.24	$-2.85	$-3.40	$-4.59	$-3.94	$-3.63	$-9.75
EPS (Diluted)	$-2.24	$-2.85	$-3.40	$-4.59	$-3.94	$-3.63	$-9.75
Shares (Basic)	73,943,632	71,023,115	69,658,912	64,921,524	61,224,433	33,654,828	11,124,397
Shares (Diluted)	73,943,632	71,023,115	69,658,912	64,921,524	61,224,433	33,654,828	11,124,397
EBITDA	$15M	$20M	$20M	$12M	·	·	·

Stato Patrimoniale 16

Metrica	2025	2024	2023	2022	2021	2020	2019
Cash & Equivalents	$385M	$376M	$264M	$282M	$271M	$571M	$270M
Short-term Investments	$14M	$28M	$46M	$100M	$110M	$0	$55M
PP&E (Net)	$16M	$16M	$17M	$20M	$12M	$6M	$3M
PP&E (Gross)	$64M	$54M	$46M	$38M	$18M	$8M	$4M
Accum. Depreciation	$48M	$38M	$28M	$18M	$6M	$2M	$700.0K
Goodwill	$19M	$19M	$19M	$19M	$0	·	·
Intangibles	$8M	$14M	$23M	$32M	$600.0K	·	·
Total Assets	$1.93B	$1.85B	$1.63B	$1.69B	$1.51B	$829M	$414M
Total Liabilities	$1.39B	$1.26B	$924M	$824M	$522M	$288M	$117M
Common Stock	$0	$0	$0	$0	$0	$0	$0
Paid-in Capital	$1.99B	$1.90B	$1.81B	$1.75B	$1.55B	$860M	$16M
Retained Earnings	$-1.46B	$-1.30B	$-1.10B	$-860M	$-562M	$-321M	$-198M
AOCI	$6M	$-6M	$-9M	$-28M	$-3M	$2M	$100.0K
Stockholders' Equity	$534M	$593M	$709M	$867M	$988M	$541M	$-182M
Liabilities + Equity	$1.93B	$1.85B	$1.63B	$1.69B	$1.51B	$829M	$414M
Shares Outstanding	75,907,215	72,720,866	70,163,703	69,275,030	61,660,996	56,774,294	11,271,228

Flusso di cassa 11

Metrica	2025	2024	2023	2022	2021	2020	2019
D&A	$15M	$20M	$20M	$12M	$4M	$2M	·
Stock-based Comp	$61M	$64M	$60M	$59M	$44M	$11M	$4M
Deferred Tax	$0	$0	$0	$0	$0	$0	$0
Other Non-cash	$72M	$106M	$38M	$63M	·	·	·
Operating Cash Flow	$-16M	$-11M	$-119M	$-163M	$-145M	$-92M	$-78M
CapEx	$9M	$9M	$9M	$10M	$9M	$4M	$3M
Investing Cash Flow	$-89M	$41M	$89M	$181M	$-805M	$50M	$-54M
Financing Cash Flow	$107M	$88M	$15M	$4M	$650M	$341M	$300M
Net Change in Cash	$11M	$114M	$-15M	$16M	$-301M	$301M	$168M
Taxes Paid	$2M	$100.0K	$-3M	·	·	·	·
Free Cash Flow	$-26M	$-21M	$-128M	$-173M	$-154M	$-96M	·

Redditività 5

Metrica	2025	2024	2023	2022	2021	2020	2019
Net Margin	-22.4%	-38.4%	-55.1%	-116.0%	-187.9%	-129.6%	·
Pretax Margin	-21.8%	-38.7%	-53.5%	-114.8%	-181.9%	-128.0%	·
EBITDA Margin	2.1%	3.8%	4.7%	4.8%	·	·	·
ROA	-8.8%	-11.6%	-14.2%	-18.6%	-20.6%	-19.7%	·
ROE	-31.2%	-34.1%	-33.0%	-33.6%	-23.7%	-22.0%	·

Efficienza 1

Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019
Asset Turnover		0.4	0.3	0.3	0.2	0.1	0.2	·

Per Azione 5

Metrica	2025	2024	2023	2022	2021	2020	2019
Book Value / Share	$7.03	$8.16	$10.10	$12.51	$16.03	$9.53	·
Revenue / Share	$9.98	$7.41	$6.17	$3.95	$2.10	·	·
Cash Flow / Share	$-0.22	$-0.16	$-1.71	$-2.51	$-2.36	·	·
Cash / Share	$5.07	$5.17	$3.77	$4.08	$4.39	$10.05	·
EPS (TTM)	$-2.24	$-2.85	$-3.40	$-4.59	$-3.94	$-3.63	·

Tassi di Crescita 3

Metrica	2025	2024	2023	2022	2021	2020	2019
Revenue YoY	40.2%	22.5%	67.4%	99.9%	36.0%	·	·
Revenue CAGR 3Y	42.2%	60.1%	65.7%	·	·	·	·
Revenue CAGR 5Y	50.9%	·	·	·	·	·	·

Valutazione (TTM) 10

Metrica	2025	2024	2023	2022	2021	2020	2019
Revenue TTM	$738M	$526M	$430M	$257M	$128M	$94M	·
Net Income TTM	$-166M	$-202M	$-237M	$-298M	$-241M	$-122M	·
Market Cap	$5.40B	$2.67B	$1.13B	$948M	$2.60B	$6.95B	·
P/E	-31.8	-12.9	-4.7	-3.0	-10.7	-33.7	·
P/S	7.3	5.1	2.6	3.7	20.2	73.7	·
P/B	10.1	4.5	1.6	1.1	2.6	12.9	·
P / Tangible Book	10.7	4.8	1.7	1.2	2.6	12.9	·
P / Cash Flow	-327.5	-234.0	-9.5	-5.8	-18.0	-75.8	·
P / FCF	-208.6	-128.2	-8.8	-5.5	-16.9	-72.4	·
Earnings Yield	-3.1%	-7.8%	-21.1%	-33.6%	-9.4%	-3.0%	·

Conto Economico 11

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Revenue	$294M	$258M	$228M	$194M	$164M	$151M	$149M	$137M	$122M	$119M	$116M	$114M	$105M	$95M	$88M	$74M
R&D Expense	$30M	$27M	$25M	$25M	$22M	$22M	$22M	$22M	$21M	$21M	$21M	$22M	$24M	$22M	$24M	$21M
SG&A Expense	$48M	$42M	$43M	$35M	$26M	$36M	$34M	$31M	$30M	$30M	$29M	$37M	$31M	$33M	$31M	$40M
Pretax Income	$-42M	$-35M	$-21M	$-36M	$-43M	$-61M	$-38M	$-66M	$-55M	$-45M	$-40M	$-60M	$-66M	$-65M	$-68M	$-89M
Income Tax	$2M	$1M	$1M	$1M	$1M	$1M	$-8M	$2M	$2M	$2M	$3M	$2M	$1M	$1M	$-4M	$2M
Net Income	$-43M	$-36M	$-22M	$-38M	$-44M	$-62M	$-30M	$-68M	$-57M	$-47M	$-42M	$-62M	$-67M	$-66M	$-64M	$-91M
EPS (Basic)	$-0.56	$-0.47	$-0.27	$-0.51	$-0.60	$-0.86	$-0.42	$-0.95	$-0.81	$-0.67	$-0.60	$-0.88	$-0.97	$-0.95	$-0.91	$-1.37
EPS (Diluted)	$-0.56	$-0.47	$-0.27	$-0.51	$-0.60	$-0.86	$-0.42	$-0.95	$-0.81	$-0.67	$-0.60	$-0.88	$-0.97	$-0.95	$-0.91	$-1.37
Shares (Basic)	76,983,877	76,307,698	·	74,194,138	73,433,379	72,921,318	·	71,138,070	70,721,227	70,284,486	·	69,753,576	69,534,731	69,334,103	·	66,877,100
Shares (Diluted)	76,983,877	76,307,698	·	74,194,138	73,433,379	72,921,318	·	71,138,070	70,721,227	70,284,486	·	69,753,576	69,534,731	69,334,103	·	66,877,100
EBITDA	·	$3M	·	·	·	$4M	·	·	·	$5M	·	·	·	$5M	·	·

Stato Patrimoniale 16

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Cash & Equivalents	$368M	$374M	$385M	$346M	$378M	$309M	$376M	$330M	$343M	$279M	·	$232M	$189M	$250M	·	$222M
Short-term Investments	$9M	$20M	$14M	$24M	$21M	$20M	$28M	$31M	$44M	$22M	·	$73M	$71M	$89M	·	$143M
PP&E (Net)	$19M	$17M	$16M	$15M	$16M	$16M	$16M	$16M	$16M	$17M	·	$17M	$19M	$20M	·	$19M
PP&E (Gross)	·	·	$64M	·	·	·	$54M	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	·	$48M	·	·	·	$38M	·	·	·	·	·	·	·	·	·
Goodwill	$19M	$19M	$19M	$19M	$19M	$19M	$19M	$19M	$19M	$19M	·	$19M	$19M	$19M	·	$11M
Intangibles	$8M	$8M	$8M	$8M	$9M	$11M	$14M	$16M	$18M	$20M	·	$25M	$28M	$30M	·	$36M
Total Assets	$2.01B	$1.96B	$1.93B	$1.92B	$1.93B	$1.86B	$1.85B	$1.82B	$1.71B	$1.65B	·	$1.65B	$1.61B	$1.64B	·	$1.71B
Total Liabilities	$1.51B	$1.44B	$1.39B	$1.40B	$1.41B	$1.31B	$1.26B	$1.23B	$1.08B	$970M	·	$921M	$842M	$819M	·	$806M
Common Stock	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	·	$0	$0	$0	·	$0
Paid-in Capital	$2.04B	$2.02B	$1.99B	$1.95B	$1.93B	$1.91B	$1.90B	$1.86B	$1.84B	$1.83B	·	$1.80B	$1.78B	$1.77B	·	$1.74B
Retained Earnings	$-1.54B	$-1.50B	$-1.46B	$-1.44B	$-1.41B	$-1.36B	$-1.30B	$-1.27B	$-1.20B	$-1.14B	·	$-1.05B	$-993M	$-926M	·	$-796M
AOCI	$-300.0K	$700.0K	$6M	$5M	$4M	$-3M	$-6M	$-100.0K	$-9M	$-9M	·	$-19M	$-21M	$-22M	·	$-35M
Stockholders' Equity	$500M	$518M	$534M	$516M	$527M	$546M	$593M	$593M	$635M	$676M	$709M	$727M	$771M	$822M	$867M	$907M
Liabilities + Equity	$2.01B	$1.96B	$1.93B	$1.92B	$1.93B	$1.86B	$1.85B	$1.82B	$1.71B	$1.65B	·	$1.65B	$1.61B	$1.64B	·	$1.71B
Shares Outstanding	77,326,718	76,786,720	75,907,215	74,665,921	73,819,710	73,212,871	72,720,866	71,378,678	71,002,862	70,478,088	70,163,703	69,909,356	69,668,176	69,449,348	69,275,030	69,120,346

Flusso di cassa 9

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
D&A	$2M	$3M	$3M	$3M	$5M	$4M	$5M	$5M	$5M	$5M	$5M	$5M	$5M	$5M	$5M	$4M
Stock-based Comp	$24M	$21M	$18M	$17M	$15M	$10M	$17M	$17M	$15M	$15M	$14M	$15M	$15M	$15M	$16M	$16M
Other Non-cash	·	$11M	·	·	·	$400.0K	·	·	·	$-2M	·	·	·	$-1M	·	·
Operating Cash Flow	$-3M	$-600.0K	$21M	$4M	$6M	$-47M	$14M	$16M	$-12M	$-30M	$-16M	$-6M	$-50M	$-46M	$-29M	$-55M
CapEx	$5M	$4M	$3M	$2M	$2M	$2M	$3M	$2M	$2M	$2M	$2M	$2M	$2M	$3M	$3M	$3M
Investing Cash Flow	$-32M	$-35M	$-19M	$-59M	$30M	$-40M	$2M	$-54M	$61M	$31M	$41M	$44M	$-11M	$15M	$88M	$81M
Financing Cash Flow	$28M	$26M	$38M	$24M	$24M	$20M	$35M	$24M	$16M	$14M	$7M	$8M	$200.0K	$100.0K	$300.0K	$2M
Net Change in Cash	$-6M	$-10M	$41M	$-30M	$66M	$-66M	$48M	$-12M	$64M	$14M	$33M	$44M	$-61M	$-32M	$62M	$25M
Free Cash Flow	·	$-4M	·	·	·	$-50M	·	·	·	$-32M	·	·	·	$-49M	·	·

Redditività 5

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Net Margin	-14.7%	-13.9%	·	-19.3%	-26.8%	-41.3%	·	-49.6%	-46.9%	-39.7%	·	-53.7%	-64.2%	-69.1%	·	-123.5%
Pretax Margin	-14.2%	-13.4%	·	-18.7%	-26.0%	-40.6%	·	-48.2%	-45.2%	-38.0%	·	-52.0%	-63.0%	-68.0%	·	-120.4%
EBITDA Margin	·	1.1%	·	·	·	3.0%	·	·	·	4.2%	·	·	·	5.4%	·	·
ROA	-2.2%	-1.9%	·	-2.0%	-2.4%	-3.6%	·	-3.9%	-3.4%	-2.9%	·	-3.7%	-4.4%	-4.2%	·	-5.7%
ROE	-8.5%	-6.7%	·	-6.8%	-7.5%	-10.2%	·	-10.3%	-8.1%	-6.3%	·	-7.5%	-8.3%	-7.6%	·	-9.3%

Efficienza 1

Metrica	Tendenza	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Asset Turnover		0.1	0.1	·	0.1	0.1	0.1	·	0.1	0.1	0.1	·	0.1	0.1	0.1	·	0.0

Per Azione 5

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Book Value / Share	$6.46	$6.75	·	$6.91	$7.14	$7.45	·	$8.31	$8.95	$9.60	·	$10.40	$11.07	$11.83	·	$13.12
Revenue / Share	$3.82	$3.38	·	$2.62	$2.23	$2.07	·	$1.92	$1.73	$1.69	·	$1.64	$1.50	$1.37	·	$1.11
Cash Flow / Share	·	$-0.01	·	·	·	$-0.65	·	·	·	$-0.42	·	·	·	$-0.67	·	·
Cash / Share	$4.75	$4.87	·	$4.63	$5.11	$4.22	·	$4.62	$4.83	$3.95	·	$3.31	$2.71	$3.60	·	$3.21
EPS (TTM)	$-1.81	$-1.85	·	$-2.39	$-2.83	$-3.04	·	$-3.03	$-2.96	$-3.12	·	$-3.71	$-4.20	$-4.33	·	$-4.83

Valutazione (TTM) 9

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Revenue TTM	$975M	$845M	·	$659M	$601M	$559M	·	$493M	$471M	$454M	·	$403M	$362M	$308M	·	$209M
Net Income TTM	$-138M	$-139M	·	$-174M	$-204M	$-217M	·	$-215M	$-208M	$-218M	·	$-258M	$-288M	$-289M	·	$-304M
Market Cap	$5.03B	$4.81B	·	$4.00B	$3.23B	$2.30B	·	$1.18B	$1.17B	$1.16B	·	$812M	$1.17B	$990M	·	$1.46B
P/E	-35.9	-33.9	·	-22.4	-15.5	-10.3	·	-5.4	-5.6	-5.3	·	-3.1	-4.0	-3.3	·	-4.4
P/S	5.2	5.7	·	6.1	5.4	4.1	·	2.4	2.5	2.5	·	2.0	3.2	3.2	·	7.0
P/B	10.1	9.3	·	7.7	6.1	4.2	·	2.0	1.8	1.7	·	1.1	1.5	1.2	·	1.6
P / Tangible Book	10.6	9.8	·	8.2	6.5	4.5	·	2.1	2.0	1.8	·	1.2	1.6	1.3	·	1.7
P / Cash Flow	·	-8021.7	·	·	·	-48.8	·	·	·	-38.8	·	·	·	-21.3	·	·
Earnings Yield	-2.8%	-2.9%	·	-4.5%	-6.5%	-9.7%	·	-18.4%	-17.9%	-19.0%	·	-31.9%	-24.9%	-30.4%	·	-22.8%

Periodo più recente a sinistra · valori nulli mostrati come ·

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

16

Metrica	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Ricavi	$738M	$526M	$430M	$257M	$128M
Utile netto	$-166M	$-202M	$-237M	$-298M	$-241M
EPS Diluito	$-2.24	$-2.85	$-3.40	$-4.59	$-3.94

Metrica	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Flusso di cassa libero	$-26M	$-21M	$-128M	$-173M	$-154M

Proprietari istituzionali (13F) 390 filer · $3.8B totale · Aggiornato al 30 Settembre 2026

17

Istituzioni che segnalano il possesso di questo titolo nel loro Modulo SEC 13F trimestrale. Solo posizioni lunghe; un singolo depositante può apparire due volte per diverse gambe di opzioni. Grandi posizioni put/call contrapposte riflettono tipicamente market-making o inventario coperto, non convinzione direzionale.

Detentori 390

Valore detenuto $3.8B

Nuove posizioni 63

Posizioni chiuse 56

Attività istituzionale — Q2 2026 vs trimestre precedente

Nuove posizioni	Posizioni chiuse	Aumentato	Diminuito	Variazione netta delle azioni
63 (-11 vs trimestre precedente)	56 (-1 vs trimestre precedente)	134 (+12 vs trimestre precedente)	95 (-24 vs trimestre precedente)	+1.8M

Confrontato con Q1 2026. Le dichiarazioni SEC Form 13F sono dovute entro 45 giorni dalla fine del trimestre più un breve margine per i dichiaranti in ritardo — i trimestri ancora all'interno di questa finestra vengono saltati a favore della coppia più recente completamente riportata.

Istituzione	Valore	Azioni	% di 13F tracciati	Tipo
VANGUARD GROUP INC	$448.822.143	6.305.453	11,76%	Azioni
BlackRock, Inc.	$393.408.186	6.047.782	10,31%	Azioni
JPMORGAN CHASE & CO	$335.529.739	5.392.829	8,79%	Azioni
VANGUARD PORTFOLIO MANAGEMENT LLC	$204.297.006	3.140.615	5,35%	Azioni
VANGUARD CAPITAL MANAGEMENT LLC	$199.779.869	3.071.174	5,23%	Azioni
BAILLIE GIFFORD & CO	$178.953.786	2.751.019	4,69%	Azioni
GOLDMAN SACHS GROUP INC	$125.844.819	1.934.586	3,30%	Azioni
STATE STREET CORP	$115.088.737	1.769.235	3,01%	Azioni
GEODE CAPITAL MANAGEMENT, LLC	$112.597.072	1.730.609	2,95%	Azioni
MORGAN STANLEY	$78.890.222	1.212.762	2,07%	Azioni
JANE STREET GROUP, LLC	$76.453.265	1.175.300	2,00%	Opzione Put
TWO SIGMA INVESTMENTS, LP	$76.360.764	1.173.878	2,00%	Azioni
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$76.199.570	1.171.400	2,00%	Opzione Call
JANE STREET GROUP, LLC	$71.255.770	1.095.400	1,87%	Opzione Call
Halter Ferguson Financial Inc.	$65.428.279	1.005.815	1,71%	Azioni
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$59.976.100	922.000	1,57%	Opzione Put
CITADEL ADVISORS LLC	$59.208.510	910.200	1,55%	Opzione Call
CITADEL ADVISORS LLC	$55.312.015	850.300	1,45%	Opzione Put
NORTHERN TRUST CORP	$45.695.023	702.460	1,20%	Azioni
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$45.568.306	700.512	1,19%	Azioni
FRONTIER CAPITAL MANAGEMENT CO LLC	$39.668.797	609.820	1,04%	Azioni
JANE STREET GROUP, LLC	$36.808.803	565.854	0,96%	Azioni
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$36.676.881	563.826	0,96%	Azioni
CAPITAL FUND MANAGEMENT S.A.	$34.344.448	527.970	0,90%	Azioni
VANGUARD FIDUCIARY TRUST CO	$31.014.409	476.778	0,81%	Azioni
CITADEL ADVISORS LLC	$30.758.047	472.837	0,81%	Azioni
UBS Group AG	$27.579.833	423.979	0,72%	Azioni
Qube Research & Technologies Ltd	$27.578.013	423.951	0,72%	Azioni
Trexquant Investment LP	$27.325.814	420.074	0,72%	Azioni
TWO SIGMA ADVISERS, LP	$24.834.560	348.898	0,65%	Azioni
CITIGROUP INC	$24.247.843	372.757	0,64%	Azioni
Woodline Partners LP	$24.182.663	371.755	0,63%	Azioni
Nuveen, LLC	$24.033.634	369.464	0,63%	Azioni
BNP PARIBAS FINANCIAL MARKETS	$21.307.843	327.561	0,56%	Azioni
BNP PARIBAS FINANCIAL MARKETS	$19.515.000	3.000	0,51%	Opzione Put
WOLVERINE TRADING, LLC	$18.001.907	331.100	0,47%	Opzione Call
WELLS FARGO & COMPANY/MN	$17.758.062	272.991	0,47%	Azioni
PEAK6 LLC	$17.732.630	272.600	0,46%	Opzione Put
Privium Fund Management B.V.	$17.580.348	270.259	0,46%	Azioni
GROUP ONE TRADING LLC	$15.056.213	231.456	0,39%	Azioni
Squarepoint Ops LLC	$14.591.170	224.307	0,38%	Azioni
Bank of New York Mellon Corp	$13.861.032	213.083	0,36%	Azioni
D. E. Shaw & Co., Inc.	$13.620.559	209.386	0,36%	Azioni
CANADA PENSION PLAN INVESTMENT BOARD	$13.549.915	208.300	0,35%	Azioni
BANK OF AMERICA CORP /DE/	$11.569.338	177.853	0,30%	Azioni
FEDERATED HERMES, INC.	$11.464.151	176.236	0,30%	Azioni
WOLVERINE TRADING, LLC	$11.341.582	208.600	0,30%	Opzione Put
PhiloSmith Capital Corp	$11.224.378	172.550	0,29%	Azioni
TUDOR INVESTMENT CORP ET AL	$10.657.207	163.831	0,28%	Azioni
Man Group plc	$8.863.518	136.257	0,23%	Azioni

Mostra tutti i 390 proprietari istituzionali →

Insider aziendali 22 insider · 7 dirigenti · 15 direttori

19

Insider	Ruolo	Ultima attività	Azioni possedute	Acquisti 12m	Vendite 12m	Netto 12m
Daniel A. Schreiber	Chief Executive Officer	18 Marzo 2026 A	1.024.327	0	2	$-12.898.508
Timothy E Bixby	Chief Financial Officer	03 Settembre 2026 S	172.370	0	6	$-8.582.453
Shai Wininger	President	02 Settembre 2026 G	4.416.873	0	0	$0
Adina Eckstein	Chief Operating Officer	08 Marzo 2026 A	333.503	0	9	$-10.233.821
John Sheldon Peters	Chief Insurance Officer	04 Settembre 2026 S	73.834	0	15	$-5.520.460
Maya Prosor	Chief Business Officer	03 Settembre 2026 S	186.533	0	4	$-147.262
Jorge Espinel	CBDO	06 Dicembre 2021 A	0	0	0	$0
Michael A Eisenberg	Direttore	10 Giugno 2026 G	195.452	0	0	$0
Prashant Ratanchandani	Direttore	03 Giugno 2026 A	6.185	0	0	$0
Geoff Seeley	Direttore	03 Giugno 2026 A	5.967	0	0	$0
Maria Angelidis-Smith	Direttore	03 Giugno 2026 A	17.744	2	0	$485.478
Samer Haj-Yehia	Direttore	03 Giugno 2026 A	27.187	0	0	$0
Debra Schwartz	Direttore	03 Giugno 2026 A	24.415	0	1	$-351.078
Mwashuma Kamata Nyatta	Direttore	24 Giugno 2024 A	23.189	0	0	$0
Irina Novoselsky	Direttore	07 Giugno 2023 A	18.462	0	0	$0
Silvija Martincevic	Direttore	07 Giugno 2023 A	18.462	0	0	$0
Joel E Cutler	Direttore	02 Giugno 2021 S	808.754	0	0	$0
Becker Caryn Seidman	Direttore	16 Marzo 2021 M	0	0	0	$0
Haim Sadger	Direttore	10 Marzo 2021 J	348.675	0	0	$0
Tom Hutton	Direttore	19 Gennaio 2021 S	15.000	0	0	$0
SoftBank Group Capital Ltd	Proprietario del 10%	13 Maggio 2025 S	7.111.441	0	0	$0
Alex Clavel	·	31 Marzo 2023 J	0	0	0	$0

Insider dai depositi SEC Modulo 3/4/5; netto = solo acquisti/vendite di mercato

Proprietà ETF Posseduti da 34 ETF

20

Il peso riflette solo le partecipazioni azionarie dirette (N-PORT); fondi a leva o basati su derivati possono detenere ulteriore esposizione swap non mostrata.

Fondo	Peso	Unità	Aggiornato al	Fonte
FNY · First Trust Exchange-Traded AlphaDE…	0,35%	42.331 NS	31 Luglio 2026	N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS	0,28%	76.977 SH	19 Agosto 2026	Giornaliero
ESSC · Strategy Shares	0,24%	1.766 NS	31 Luglio 2026	N-PORT
IWO · iShares Trust	0,23%	675.883 SH	11 Settembre 2026	Giornaliero
VTWO · VANGUARD SCOTTSDALE FUNDS	0,14%	414.124 SH	19 Agosto 2026	Giornaliero
BKSE · BNY Mellon ETF Trust	0,14%	2.469 NS	31 Luglio 2026	N-PORT
BBSC · J.P. Morgan Exchange-Traded Fund Tr…	0,13%	19.139 NS	31 Luglio 2026	N-PORT
VBK · VANGUARD INDEX FUNDS	0,12%	917.102 SH	19 Agosto 2026	Giornaliero
ISCG · iShares Trust	0,12%	22.685 SH	11 Settembre 2026	Giornaliero
IWM · iShares Trust	0,12%	1.840.059 SH	11 Settembre 2026	Giornaliero
RSSL · Global X Funds	0,11%	34.455 NS	31 Luglio 2026	N-PORT
FNX · First Trust Exchange-Traded AlphaDE…	0,11%	31.669 NS	31 Luglio 2026	N-PORT
FAD · First Trust Exchange-Traded AlphaDE…	0,11%	12.711 NS	31 Luglio 2026	N-PORT
PNQI · Invesco Exchange-Traded Fund Trust	0,10%	11.532 SH	02 Ottobre 2026	Giornaliero
ESUM · Strategy Shares	0,08%	3.175 NS	31 Luglio 2026	N-PORT
VFMO · VANGUARD WELLINGTON FUND	0,06%	18.911 SH	19 Agosto 2026	Giornaliero
ESML · iShares Trust	0,05%	29.114 SH	11 Settembre 2026	Giornaliero
VXF · VANGUARD INDEX FUNDS	0,05%	749.035 SH	19 Agosto 2026	Giornaliero
VB · VANGUARD INDEX FUNDS	0,05%	1.585.889 SH	19 Agosto 2026	Giornaliero
VFH · VANGUARD WORLD FUND	0,05%	105.818 SH	19 Agosto 2026	Giornaliero
FNCL · FIDELITY COVINGTON TRUST	0,03%	17.055 NS	31 Luglio 2026	N-PORT
WSML · iShares Trust	0,03%	4.545 SH	11 Settembre 2026	Giornaliero
PRFZ · Invesco Exchange-Traded Fund Trust	0,02%	13.868 SH	02 Ottobre 2026	Giornaliero
VTI · VANGUARD INDEX FUNDS	0,01%	2.193.559 SH	19 Agosto 2026	Giornaliero
VTHR · VANGUARD SCOTTSDALE FUNDS	0,01%	5.924 SH	19 Agosto 2026	Giornaliero
ESGV · VANGUARD WORLD FUND	0,01%	15.870 SH	19 Agosto 2026	Giornaliero
TILT · FlexShares Trust	0,01%	2.356 NS	31 Luglio 2026	N-PORT
DFAS · Dimensional ETF Trust	0,01%	16.613 NS	31 Luglio 2026	N-PORT
ITOT · iShares Trust	0,00%	84.243 SH	11 Settembre 2026	Giornaliero
IWV · iShares Trust	0,00%	16.661 SH	11 Settembre 2026	Giornaliero
VT · VANGUARD INTERNATIONAL EQUITY INDEX…	0,00%	57.859 SH	19 Agosto 2026	Giornaliero
IAK · iShares Trust	·	34.824 SH	11 Settembre 2026	Giornaliero
ISCB · iShares Trust	·	3.173 SH	11 Settembre 2026	Giornaliero
SMLF · iShares Trust	·	74.448 SH	11 Settembre 2026	Giornaliero

LMND Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

21

rating · 19 analisti MANTIENI

Target mediano $55.00 +18,5%

3 15,8% Acquisto forte

6 31,6% Compra

8 42,1% Mantieni

1 5,3% Vendi

1 5,3% Vendita forte

Target Price a 12 Mesi

9 analisti · 2026-10-04

Target medio $59.22 +27,6%

Ora Prezzo attuale $46.40

Basso$37.00 Media$59.22 Alto$92.00

Confronto Peer (GICS sub-settore industriale) Metriche chiave rispetto ai pari del settore

22

Base FY, prezzi alla chiusura dell'ultimo anno fiscale di ciascuna società.

Ticker	Capitalizzazione di Mercato	P/E	Rev YoY	Margine Netto	ROE	Margine lordo
LMND	$5.40B	-31.8	40.2%	-22.4%	-31.2%	·
MCY	$5.21B	9.6	9.4%	9.0%	24.8%	·
WTM	$5.15B	4.8	66.8%	29.6%	22.3%	·
RLI	$5.88B	14.6	6.3%	21.4%	23.0%	·
SIGI	$5.03B	11.2	9.8%	8.7%	13.9%	·
NP	·	-112.2	33.7%	23.4%	-9.9%	·
PLMR	$3.57B	18.8	58.2%	22.5%	22.0%	·
SLDE	$2.42B	5.8	36.5%	38.4%	57.4%	·
SKWD	$2.07B	12.6	23.2%	12.0%	18.9%	·
HCI	$2.49B	8.4	20.1%	33.2%	40.0%	·
STC	$2.12B	17.3	17.3%	4.0%	7.6%	·

Ultime notizie Notizie recenti che menzionano questa società

23

Il rapporto sui sinistri in miglioramento di Lemonade è la vera storia. Ecco perché è più importante della crescita. Nasdaq · 4 mesi fa BIT Capital Scarica 1,24 Milioni di Azioni Lemonade (LMND) del Valore di 86 Milioni di Dollari Nasdaq · 4 mesi, 2 settimane fa 3 Top Stocks da Comprare a Maggio Nasdaq · 4 mesi, 3 settimane fa Il titolo Lemonade è crollato dopo gli utili del Q1 2026: ecco la prossima mossa per gli investitori Nasdaq · 5 mesi fa Dovresti comprare azioni Lemonade prima del 29 aprile? Nasdaq · 5 mesi, 2 settimane fa

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26

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LMND Lemonade, Inc. Common Stock