LMND Lemonade, Inc. Common Stock
O Lemonade, Inc. Common Stock Przegląd firmy z Wikipedii
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.
Czytaj więcej
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.
Źródło: Wikipedia (Angielski), CC BY-SA 4.0 · Zobacz w Wikipedii ↗
LMND Migawka akcji Cena, kapitalizacja rynkowa, P/E, EPS, ROE, zadłużenie/kapitał własny, zakres 52-tygodniowy
LMND Wykres ceny akcji Dzienny OHLCV ze wskaźnikami technicznymi — przesuwaj, powiększaj i dostosowuj widok
Wyniki 10-letnie Trendy przychodów, zysku netto, marż i EPS
Wycena Wskaźniki P/E, P/S, P/B, EV/EBITDA — czy akcje są drogie, czy tanie?
Rentowność Marże brutto, operacyjne i netto; ROE, ROA, ROIC
Zdrowie finansowe Dług, płynność, wypłacalność — siła bilansu
Rozwój Wzrost przychodów, EPS i zysku netto: r/r, CAGR 3-letni, CAGR 5-letni
Efektywność kapitałowa Rotacja aktywów, rotacja zapasów, rotacja należności
LMND Konsensus analityków Bycze i niedźwiedzie opinie analityków, 12-miesięczny cel cenowy, potencjał wzrostu
- Mocne kupno 3 15,8%
- Kup 6 31,6%
- Trzymaj 8 42,1%
- Sprzedaj 1 5,3%
- Mocna sprzedaż 1 5,3%
12-miesięczny cel cenowy
9 analityków · 2026-08-16Historia zysków EPS faktyczny vs szacowany, zaskoczenie %, wskaźnik trafień, data następnych wyników
| Okres | EPS Actual | EPS Szacowany | Niespodzianka |
|---|---|---|---|
| 30 czerwca 2026 | $-0.56 | $-0.57 | 0.01% |
| 31 marca 2026 | $-0.47 | $-0.58 | 0.11% |
| 31 grudnia 2025 | $-0.29 | $-0.41 | 0.12% |
| 30 września 2025 | $-0.51 | $-0.72 | 0.21% |
| 30 czerwca 2025 | $-0.60 | $-0.81 | 0.21% |
| 31 marca 2025 | $-0.86 | $-0.96 | 0.10% |
Porównanie z porównywalnymi firmami (podbranża GICS) Kluczowe metryki w porównaniu do konkurentów z sektora
| Ticker | Kapitalizacja Rynkowa | P/E | Przychody r/r | Marża Netto | ROE | Marża brutto |
|---|---|---|---|---|---|---|
| LMND | $5.40B | -31.8 | 40.2% | -22.4% | -31.2% | — |
| RLI | $5.88B | 14.6 | 6.3% | 21.4% | 23.0% | — |
| MCY | $5.21B | 9.6 | 9.4% | 9.0% | 24.8% | — |
| SIGI | $5.03B | 11.2 | 9.8% | 8.7% | 13.9% | — |
| WTM | $5.15B | 4.8 | 66.8% | 29.6% | 22.3% | — |
| 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% | — |
Pełne podstawowe wskaźniki Wszystkie wskaźniki roczne — rachunek zysków i strat, bilans, przepływy pieniężne
Rachunek zysków i strat 11
| Wskaźnik | Trend | 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 | · | · | · |
Bilans 16
| Wskaźnik | Trend | 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 |
Przepływy pieniężne 11
| Wskaźnik | Trend | 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 | · |
Rentowność 5
| Wskaźnik | Trend | 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% | · |
Efektywność 1
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.2 | 0.1 | 0.2 | · |
Stopy Wzrostu 3
| Wskaźnik | Trend | 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% | · | · | · | · | · | · |
Wycena (TTM) 10
| Wskaźnik | Trend | 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% | · |
Rachunek zysków i strat 11
| Wskaźnik | Trend | 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 | -146,605,203 | 74,194,138 | 73,433,379 | 72,921,318 | -141,120,668 | 71,138,070 | 70,721,227 | 70,284,486 | -138,963,498 | 69,753,576 | 69,534,731 | 69,334,103 | -125,470,369 | 66,877,100 | |
| Shares (Diluted) | 76,983,877 | 76,307,698 | -146,605,203 | 74,194,138 | 73,433,379 | 72,921,318 | -141,120,668 | 71,138,070 | 70,721,227 | 70,284,486 | -138,963,498 | 69,753,576 | 69,534,731 | 69,334,103 | -125,470,369 | 66,877,100 | |
| EBITDA | · | $3M | · | · | · | $4M | · | · | · | $5M | · | · | · | $5M | · | · |
Bilans 16
| Wskaźnik | Trend | 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 |
Przepływy pieniężne 9
| Wskaźnik | Trend | 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 | · | · |
Rentowność 5
| Wskaźnik | Trend | 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% |
Efektywność 1
| Wskaźnik | Trend | 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 |
Wycena (TTM) 10
| Wskaźnik | Trend | 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 | $911M | $768M | · | $646M | $574M | $529M | · | $492M | $460M | $433M | · | $388M | $324M | $264M | · | $204M | |
| Net Income TTM | $-161M | $-180M | · | $-212M | $-231M | $-235M | · | $-234M | $-233M | $-242M | · | $-286M | $-292M | $-300M | · | $-300M | |
| 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 | -30.4 | -25.7 | · | -18.3 | -13.6 | -9.6 | · | -5.0 | -5.0 | -4.7 | · | -2.8 | -3.8 | -3.1 | · | -4.4 | |
| P/S | 5.5 | 6.3 | · | 6.2 | 5.6 | 4.4 | · | 2.4 | 2.5 | 2.7 | · | 2.1 | 3.6 | 3.8 | · | 7.2 | |
| 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 | · | · | |
| P / FCF | · | -1173.9 | · | · | · | -46.5 | · | · | · | -35.8 | · | · | · | -20.2 | · | · | |
| Earnings Yield | -3.3% | -3.9% | · | -5.5% | -7.3% | -10.5% | · | -20.1% | -20.2% | -21.1% | · | -35.9% | -26.1% | -32.5% | · | -22.5% |
Sprawozdania finansowe Rachunek zysków i strat, bilans, przepływy pieniężne — roczne, ostatnie 5 lat
Rachunek zysków i strat
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Przychody | $738M | $526M | $430M | $257M | $128M |
| Zysk netto | $-166M | $-202M | $-237M | $-298M | $-241M |
| Rozwodniony EPS | $-2.24 | $-2.85 | $-3.40 | $-4.59 | $-3.94 |
Przepływy pieniężne
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Wolny przepływ pieniężny | $-26M | $-21M | $-128M | $-173M | $-154M |
Najnowsze wiadomości Najnowsze nagłówki wspominające o tej firmie
- Poprawiający się wskaźnik strat Lemonade to prawdziwa historia. Oto dlaczego ma większe znaczenie niż wzrost.
- BIT Capital Sprzedaje 1,24 Miliona Akcji Lemonade (LMND) o Wartości 86 Milionów Dolarów
- 3 Najlepsze Akcje do Kupienia w Maim
- Akcje Lemonade Spadły po Wynikach za I Kwartał 2026 Roku — Co Dalej dla Inwestorów
- Czy warto kupić akcje Lemonade przed 29 kwietnia?
Moje wskaźniki Twoja osobista lista obserwowanych — wybrane wiersze z Pełnych Fundamentów
Wybierz metryki, które są dla Ciebie ważne — kliknij ➕ obok dowolnego wiersza w Pełnych Fundamentach powyżej.
Twój wybór został zapisany i będzie Ci towarzyszył we wszystkich tickerach.
Właściciele instytucjonalni (13F) 393 emitenci · $2.1B łącznie · Na dzień 30 czerwca 2026
Instytucje, które zgłaszają posiadanie tych akcji w swoich kwartalnych zgłoszeniach SEC Form 13F. Tylko pozycje długie; pojedynczy zgłaszający może pojawić się dwukrotnie dla oddzielnych transz opcji. Duże przeciwstawne pozycje put/call zazwyczaj odzwierciedlają działalność market-makingową lub zabezpieczone zapasy, a nie przekonanie kierunkowe.
| Nowe pozycje | Zamknięte pozycje | Zwiększone | Zmniejszony | Zmiana liczby akcji netto |
|---|---|---|---|---|
| 63 (-11 vs poprzedni kw.) | 56 (-1 vs poprzedni kw.) | 130 (+8 vs poprzedni kw.) | 96 (-22 vs poprzedni kw.) | +1.7M |
Porównano z Q1 2026. Zgłoszenia SEC Form 13F są wymagane w ciągu 45 dni od końca kwartału plus krótki bufor dla spóźnionych zgłoszeń — kwartały mieszczące się jeszcze w tym terminie są pomijane na rzecz ostatniej w pełni zgłoszonej pary.
| Instytucja | Wartość | Akcje | % z śledzonych 13F | Typ |
|---|---|---|---|---|
| VANGUARD PORTFOLIO MANAGEMENT LLC | $204 297 006 | 3 140 615 | 9,65% | Akcje |
| VANGUARD CAPITAL MANAGEMENT LLC | $199 779 869 | 3 071 174 | 9,43% | Akcje |
| STATE STREET CORP | $115 088 737 | 1 769 235 | 5,43% | Akcje |
| GEODE CAPITAL MANAGEMENT, LLC | $96 310 309 | 1 480 236 | 4,55% | Akcje |
| JANE STREET GROUP, LLC | $76 453 265 | 1 175 300 | 3,61% | Opcja sprzedaży |
| TWO SIGMA INVESTMENTS, LP | $76 360 764 | 1 173 878 | 3,61% | Akcje |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $76 199 570 | 1 171 400 | 3,60% | Opcja kupna |
| JANE STREET GROUP, LLC | $71 255 770 | 1 095 400 | 3,36% | Opcja kupna |
| Halter Ferguson Financial Inc. | $65 428 279 | 1 005 815 | 3,09% | Akcje |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $59 976 100 | 922 000 | 2,83% | Opcja sprzedaży |
| CITADEL ADVISORS LLC | $59 208 510 | 910 200 | 2,80% | Opcja kupna |
| CITADEL ADVISORS LLC | $55 312 015 | 850 300 | 2,61% | Opcja sprzedaży |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $45 568 306 | 700 512 | 2,15% | Akcje |
| BAILLIE GIFFORD & CO | $42 942 888 | 660 152 | 2,03% | Akcje |
| FRONTIER CAPITAL MANAGEMENT CO LLC | $39 668 797 | 609 820 | 1,87% | Akcje |
| GOLDMAN SACHS GROUP INC | $37 864 044 | 582 076 | 1,79% | Akcje |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $36 676 881 | 563 826 | 1,73% | Akcje |
| CAPITAL FUND MANAGEMENT S.A. | $34 344 448 | 527 970 | 1,62% | Akcje |
| VANGUARD FIDUCIARY TRUST CO | $31 014 409 | 476 778 | 1,46% | Akcje |
| Qube Research & Technologies Ltd | $27 578 013 | 423 951 | 1,30% | Akcje |
| Trexquant Investment LP | $27 325 814 | 420 074 | 1,29% | Akcje |
| JANE STREET GROUP, LLC | $26 595 107 | 408 841 | 1,26% | Akcje |
| TWO SIGMA ADVISERS, LP | $24 834 560 | 348 898 | 1,17% | Akcje |
| Woodline Partners LP | $24 182 663 | 371 755 | 1,14% | Akcje |
| CITIGROUP INC | $23 952 386 | 368 215 | 1,13% | Akcje |
| BNP PARIBAS FINANCIAL MARKETS | $21 307 843 | 327 561 | 1,01% | Akcje |
| BNP PARIBAS FINANCIAL MARKETS | $19 515 000 | 3 000 | 0,92% | Opcja sprzedaży |
| WOLVERINE TRADING, LLC | $18 001 907 | 331 100 | 0,85% | Opcja kupna |
| PEAK6 LLC | $17 732 630 | 272 600 | 0,84% | Opcja sprzedaży |
| Privium Fund Management B.V. | $17 580 348 | 270 259 | 0,83% | Akcje |
| GROUP ONE TRADING LLC | $15 056 213 | 231 456 | 0,71% | Akcje |
| Squarepoint Ops LLC | $14 591 170 | 224 307 | 0,69% | Akcje |
| D. E. Shaw & Co., Inc. | $13 620 559 | 209 386 | 0,64% | Akcje |
| CANADA PENSION PLAN INVESTMENT BOARD | $13 549 915 | 208 300 | 0,64% | Akcje |
| WOLVERINE TRADING, LLC | $11 341 582 | 208 600 | 0,54% | Opcja sprzedaży |
| TUDOR INVESTMENT CORP ET AL | $10 657 207 | 163 831 | 0,50% | Akcje |
| BANK OF AMERICA CORP /DE/ | $10 359 928 | 159 261 | 0,49% | Akcje |
| Man Group plc | $8 863 518 | 136 257 | 0,42% | Akcje |
| Cubist Systematic Strategies, LLC | $8 698 625 | 162 500 | 0,41% | Opcja kupna |
| BlackRock, Inc. | $8 603 708 | 132 263 | 0,41% | Akcje |
| Walleye Trading LLC | $8 599 610 | 132 200 | 0,41% | Opcja sprzedaży |
| CI INVESTMENTS INC. | $8 545 228 | 131 364 | 0,40% | Akcje |
| Swiss National Bank | $8 469 510 | 130 200 | 0,40% | Akcje |
| PhiloSmith Capital Corp | $8 326 400 | 128 000 | 0,39% | Akcje |
| CITADEL ADVISORS LLC | $8 011 103 | 123 153 | 0,38% | Akcje |
| BARCLAYS PLC | $7 293 473 | 112 121 | 0,34% | Akcje |
| FIRST TRUST ADVISORS LP | $6 816 979 | 104 796 | 0,32% | Akcje |
| GILDER GAGNON HOWE & CO LLC | $6 667 690 | 102 501 | 0,31% | Akcje |
| LPL Financial LLC | $6 628 579 | 101 900 | 0,31% | Akcje |
| Ma Investment Partnership, LP | $6 505 000 | 100 000 | 0,31% | Akcje |
| RHUMBLINE ADVISERS | $5 796 726 | 89 112 | 0,27% | Akcje |
| Hillsdale Investment Management Inc. | $5 574 785 | 85 700 | 0,26% | Akcje |
| Walleye Trading LLC | $5 334 100 | 82 000 | 0,25% | Opcja kupna |
| Point72 Asset Management, L.P. | $5 132 445 | 78 900 | 0,24% | Opcja sprzedaży |
| Balyasny Asset Management L.P. | $4 920 057 | 75 635 | 0,23% | Akcje |
| ALLIANCEBERNSTEIN L.P. | $4 912 608 | 78 376 | 0,23% | Akcje |
| PDT Partners, LLC | $4 659 987 | 71 637 | 0,22% | Akcje |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $4 568 557 | 72 887 | 0,22% | Akcje |
| EFG International AG | $4 540 022 | 69 766 | 0,21% | Akcje |
| Liontrust Investment Partners LLP | $4 509 461 | 69 323 | 0,21% | Akcje |
| Sparta 24 Ltd. | $4 445 257 | 68 336 | 0,21% | Akcje |
| Niles Investment Management, LLC | $4 441 289 | 68 275 | 0,21% | Akcje |
| Point72 Asset Management, L.P. | $3 961 545 | 60 900 | 0,19% | Opcja kupna |
| VANGUARD ASSET MANAGEMENT, Ltd | $3 880 948 | 59 661 | 0,18% | Akcje |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $3 805 685 | 58 504 | 0,18% | Akcje |
| NIA IMPACT ADVISORS, LLC | $3 754 742 | 57 721 | 0,18% | Akcje |
| VANGUARD GROUP INC | $3 697 160 | 51 941 | 0,17% | Akcje |
| Amtrust Financial Services, Inc. | $3 684 692 | 56 644 | 0,17% | Akcje |
| Baird Financial Group, Inc. | $3 529 418 | 54 257 | 0,17% | Akcje |
| TUDOR INVESTMENT CORP ET AL | $3 441 145 | 52 900 | 0,16% | Opcja kupna |
| Walleye Trading LLC | $3 145 102 | 48 349 | 0,15% | Akcje |
| D. E. Shaw & Co., Inc. | $3 115 895 | 47 900 | 0,15% | Opcja kupna |
| ZACKS INVESTMENT MANAGEMENT | $3 088 453 | 47 477 | 0,15% | Akcje |
| MORGAN STANLEY | $3 016 499 | 46 372 | 0,14% | Akcje |
| AQR CAPITAL MANAGEMENT LLC | $2 971 224 | 45 676 | 0,14% | Akcje |
| Toroso Investments, LLC | $2 919 092 | 41 010 | 0,14% | Akcje |
| Havemeyer Place LP | $2 911 053 | 44 751 | 0,14% | Akcje |
| DNB Asset Management AS | $2 896 026 | 44 520 | 0,14% | Akcje |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $2 858 493 | 43 943 | 0,13% | Akcje |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $2 736 719 | 42 071 | 0,13% | Akcje |
| MetLife Investment Management, LLC | $2 723 188 | 41 863 | 0,13% | Akcje |
| AMERIPRISE FINANCIAL INC | $2 592 243 | 39 850 | 0,12% | Akcje |
| MILLENNIUM MANAGEMENT LLC | $2 494 668 | 38 350 | 0,12% | Akcje |
| Walleye Capital LLC | $2 471 900 | 38 000 | 0,12% | Opcja sprzedaży |
| CANTOR FITZGERALD, L. P. | $2 384 993 | 36 664 | 0,11% | Akcje |
| Clear Street Group Inc. | $2 246 567 | 34 536 | 0,11% | Akcje |
| FMR LLC | $2 233 622 | 34 337 | 0,11% | Akcje |
| UDINE WEALTH MANAGEMENT, INC. | $2 176 638 | 33 461 | 0,10% | Akcje |
| Leo Wealth, LLC | $2 142 041 | 34 174 | 0,10% | Akcje |
| Walleye Capital LLC | $2 140 145 | 32 900 | 0,10% | Opcja kupna |
| TUDOR INVESTMENT CORP ET AL | $2 055 580 | 31 600 | 0,10% | Opcja sprzedaży |
| LMR Partners LLP | $1 978 040 | 30 408 | 0,09% | Akcje |
| NOMURA HOLDINGS INC | $1 863 032 | 28 640 | 0,09% | Akcje |
| Invesco Ltd. | $1 857 568 | 28 556 | 0,09% | Akcje |
| XTX Topco Ltd | $1 843 712 | 28 343 | 0,09% | Akcje |
| Quantinno Capital Management LP | $1 831 743 | 28 159 | 0,09% | Akcje |
| JANUS HENDERSON GROUP PLC | $1 824 436 | 29 077 | 0,09% | Akcje |
| FIFTH THIRD BANCORP | $1 744 771 | 26 822 | 0,08% | Akcje |
| CAPITAL FUND MANAGEMENT S.A. | $1 730 330 | 26 600 | 0,08% | Opcja kupna |
| SIMPLEX TRADING, LLC | $1 688 698 | 25 960 | 0,08% | Akcje |
Insiderzy spółki 12 insiderów · 2 dyrektorzy generalni · 8 dyrektorzy
| Insider | Rola | Ostatnia aktywność | Posiadane akcje | Kupna 12m | Sprzedaże 12m | Netto 12m |
|---|---|---|---|---|---|---|
| Timothy E Bixby | Chief Financial Officer | 7 lipca 2026 S | 174 263 | 0 | 6 | $-8 625 326 |
| Maya Prosor | Chief Business Officer | 3 czerwca 2026 S | 187 573 | 0 | 1 | $-64 867 |
| Michael A Eisenberg | Dyrektor | 10 czerwca 2026 G | 195 452 | 0 | 0 | $0 |
| Prashant Ratanchandani | Dyrektor | 3 czerwca 2026 A | 6 185 | 0 | 0 | $0 |
| Geoff Seeley | Dyrektor | 3 czerwca 2026 A | 5 967 | 0 | 0 | $0 |
| Maria Angelidis-Smith | Dyrektor | 3 czerwca 2026 A | 17 744 | 0 | 0 | $0 |
| Samer Haj-Yehia | Dyrektor | 3 czerwca 2026 A | 27 187 | 0 | 0 | $0 |
| Debra Schwartz | Dyrektor | 3 czerwca 2026 A | 24 415 | 0 | 0 | $0 |
| Joel E Cutler | Dyrektor | 2 czerwca 2021 S | 808 754 | 0 | 0 | $0 |
| Haim Sadger | Dyrektor | 10 marca 2021 J | 348 675 | 0 | 0 | $0 |
| John Sheldon Peters | — | 13 sierpnia 2026 S | 76 942 | 0 | 3 | $-942 376 |
| Alex Clavel | — | 31 marca 2023 J | 0 | 0 | 0 | $0 |
Insiderzy z zgłoszeń SEC Form 3/4/5; netto = tylko otwarty rynek P/S
Posiadanie ETF-ów Posiadane przez 49 funduszy ETF
Waga odzwierciedla wyłącznie bezpośrednie udziały kapitałowe (N-PORT); fundusze oparte na dźwigni lub instrumentach pochodnych mogą posiadać dodatkowe ekspozycje na swapy, które nie są pokazane.
| Fundusz | Waga | Jednostki | Na dzień | Źródło |
|---|---|---|---|---|
| FINX · Global X Funds | 0,78% | 26 456 NS | 31 maja 2026 | N-PORT |
| TAX · EA Series Trust | 0,61% | 2 699 NS | 29 maja 2026 | N-PORT |
| FNY · First Trust Exchange-Traded AlphaDE… | 0,48% | 43 757 NS | 30 kwietnia 2026 | N-PORT |
| SMIZ · Zacks Trust | 0,39% | 17 233 NS | 31 maja 2026 | N-PORT |
| FDMO · FIDELITY COVINGTON TRUST | 0,32% | 47 697 NS | 30 kwietnia 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0,28% | 76 977 SH | 19 sierpnia 2026 | Dziennie |
| ESSC · Strategy Shares | 0,27% | 1 246 NS | 30 kwietnia 2026 | N-PORT |
| IWO · iShares Trust | 0,22% | 655 482 SH | 19 sierpnia 2026 | Dziennie |
| TMFX · RBB Fund, Inc. | 0,21% | 1 190 NS | 31 maja 2026 | N-PORT |
| FNX · First Trust Exchange-Traded AlphaDE… | 0,19% | 43 442 NS | 30 kwietnia 2026 | N-PORT |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,16% | 20 806 NS | 30 kwietnia 2026 | N-PORT |
| BKSE · BNY Mellon ETF Trust | 0,15% | 2 143 NS | 30 kwietnia 2026 | N-PORT |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,14% | 12 034 NS | 30 kwietnia 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,14% | 414 124 SH | 19 sierpnia 2026 | Dziennie |
| VBK · VANGUARD INDEX FUNDS | 0,12% | 917 102 SH | 19 sierpnia 2026 | Dziennie |
| IWM · iShares Trust | 0,11% | 1 841 651 SH | 19 sierpnia 2026 | Dziennie |
| ISCG · iShares Trust | 0,11% | 22 612 SH | 19 sierpnia 2026 | Dziennie |
| PNQI · Invesco Exchange-Traded Fund Trust | 0,11% | 11 433 SH | 19 sierpnia 2026 | Dziennie |
| RSSL · Global X Funds | 0,11% | 26 801 NS | 30 kwietnia 2026 | N-PORT |
| ESUM · Strategy Shares | 0,10% | 2 845 NS | 30 kwietnia 2026 | N-PORT |
| FSCC · Federated Hermes ETF Trust | 0,10% | 4 966 NS | 31 maja 2026 | N-PORT |
| ITWO · ProShares Trust | 0,09% | 2 907 NS | 31 maja 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0,08% | 305 794 NS | 31 maja 2026 | N-PORT |
| VFMO · VANGUARD WELLINGTON FUND | 0,06% | 18 911 SH | 19 sierpnia 2026 | Dziennie |
| ISCB · iShares Trust | 0,05% | 3 173 SH | 19 sierpnia 2026 | Dziennie |
| UWM · ProShares Trust | 0,05% | 2 274 NS | 31 maja 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0,05% | 749 035 SH | 19 sierpnia 2026 | Dziennie |
| VB · VANGUARD INDEX FUNDS | 0,05% | 1 585 889 SH | 19 sierpnia 2026 | Dziennie |
| VFH · VANGUARD WORLD FUND | 0,05% | 105 818 SH | 19 sierpnia 2026 | Dziennie |
| ESML · iShares Trust | 0,04% | 24 812 SH | 19 sierpnia 2026 | Dziennie |
| FNCL · FIDELITY COVINGTON TRUST | 0,04% | 16 480 NS | 30 kwietnia 2026 | N-PORT |
| URTY · ProShares Trust | 0,04% | 2 301 NS | 31 maja 2026 | N-PORT |
| WSML · iShares Trust | 0,03% | 3 752 SH | 19 sierpnia 2026 | Dziennie |
| AVIE · AMERICAN CENTURY ETF TRUST | 0,03% | 47 NS | 31 maja 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,02% | 14 123 SH | 19 sierpnia 2026 | Dziennie |
| GSSC · Goldman Sachs ETF Trust | 0,02% | 3 739 NS | 31 maja 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0,02% | 2 426 NS | 31 maja 2026 | N-PORT |
| HDG · ProShares Trust | 0,02% | 58 NS | 31 maja 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,01% | 2 193 559 SH | 19 sierpnia 2026 | Dziennie |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,01% | 5 924 SH | 19 sierpnia 2026 | Dziennie |
| ESGV · VANGUARD WORLD FUND | 0,01% | 15 870 SH | 19 sierpnia 2026 | Dziennie |
| DFAS · Dimensional ETF Trust | 0,01% | 16 773 NS | 30 kwietnia 2026 | N-PORT |
| TILT · FlexShares Trust | 0,01% | 2 244 NS | 30 kwietnia 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0,01% | 36 994 NS | 31 maja 2026 | N-PORT |
| ITOT · iShares Trust | 0,00% | 84 397 SH | 19 sierpnia 2026 | Dziennie |
| IWV · iShares Trust | 0,00% | 16 535 SH | 19 sierpnia 2026 | Dziennie |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0,00% | 57 859 SH | 19 sierpnia 2026 | Dziennie |
| IAK · iShares Trust | — | 37 896 SH | 19 sierpnia 2026 | Dziennie |
| SMLF · iShares Trust | — | 73 209 SH | 19 sierpnia 2026 | Dziennie |