LMND Lemonade, Inc. Common Stock
NYSE · Insurance · Ver em SEC EDGAR ↗ fechar Out 2, 2026 10-K/10-Q Ago 4, 2026LMND Instantâneo da Ação Preço, capitalização de mercado, P/E, EPS, ROE, dívida/patrimônio, intervalo de 52 semanas
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Sobre Lemonade, Inc. Common Stock Visão geral da empresa da Wikipedia
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.
Fonte: Wikipedia (Inglês), CC BY-SA 4.0 · Ver na Wikipedia ↗
Desempenho de 10 Anos Tendências de receita, lucro líquido, margens e EPS
Avaliação Rácios P/E, P/S, P/B, EV/EBITDA — a ação está cara ou barata?
| Métrica | Tendência de 5 anos | LMND | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| P/E (TTM) | -25.7média 5A ≈-12.6 | ≈-12.6 | · | · | |
| P/S (TTM) | 3.7média 5A ≈7.8 | ≈7.8 | 1.9 | Sobreavaliado | |
| P/B (MRQ) | 7.2média 5A ≈4.0 | ≈4.0 | 2.1 | Sobreavaliado | |
| Preço / FCF (TTM) | 443.8média 5A ≈-73.6 | ≈-73.6 | · | · | |
| Preço / Fluxo de Caixa (TTM) | 169.6média 5A ≈-118.9 | ≈-118.9 | · | · | |
| Preço / Valor Patrimonial Tangível (MRQ) | 7.3média 5A ≈4.2 | ≈4.2 | · | · |
A mediana dos pares é calculada em uma base padronizada por métrica e pode não corresponder sempre à base TTM/MRQ mostrada para esta ação.
Lucratividade Margens bruta, operacional e líquida; ROE, ROA, ROIC
| Métrica | Tendência de 5 anos | LMND | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| EBITDA Margin (Margem EBITDA) | 2.1%média 5A ≈3.8% | ≈3.8% | 0.97% | Primeira linha | |
| Margem de Impostos Pré-Tributação (TTM) | -13.7%média 5A ≈-82.2% | ≈-82.2% | 20.8% | Fraco | |
| Margem de Lucro Líquido (TTM) | -14.2%média 5A ≈-84.0% | ≈-84.0% | 16.2% | Fraco | |
| ROA (TTM) | -7.0%média 5A ≈-14.8% | ≈-14.8% | 7.1% | Fraco | |
| ROE (TTM) | -27.0%média 5A ≈-31.1% | ≈-31.1% | 22.2% | Fraco |
Saúde financeira Dívida, liquidez, solvência — força do balanço patrimonial
Ainda não há dados fundamentais suficientes para calcular este grupo de proporções.
Crescimento Crescimento da receita, EPS e lucro líquido: YoY, CAGR 3 anos, CAGR 5 anos
| Métrica | Tendência de 5 anos | LMND | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| Revenue YoY (Receita Ano a Ano) | 40.2%média 5A ≈53.2% | ≈53.2% | · | · | |
| Revenue CAGR 3Y (CAGR Receita 3A) | 42.2%média 5A ≈56.0% | ≈56.0% | · | · | |
| Revenue CAGR 5Y (CAGR Receita 5A) | 50.9% | · | · | · |
Eficiência de Capital Giro de ativos, giro de estoques, giro de contas a receber
| Métrica | Tendência de 5 anos | LMND | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| Asset Turnover (Giro do Ativo) | 0.4média 5A ≈0.2 | ≈0.2 | 0.4 | Em linha | |
| Revenue / Employee (Receita anual ÷ funcionários (número de funcionários reportado, yfinance). Derivado — não é um conceito SEC-XBRL armazenado.) | ≈$575.6K | · | · | · |
valor · ≈ média 5A · mediana do setor · veredicto relativo à mediana
Histórico de Lucros EPS real vs. estimativa, surpresa %, taxa de acerto, próxima data de resultados
| Período | Relatório | EPS Actual | EPS est. | Surpresa |
|---|---|---|---|---|
| 30 de Junho de 2026 | Ago 3, 2026 | $-0.56 | $-0.57 | 1.6% |
| 31 de Março de 2026 | $-0.47 | $-0.58 | 18.6% | |
| 31 de Dezembro de 2025 | $-0.29 | $-0.41 | 28.7% | |
| 30 de Setembro de 2025 | $-0.51 | $-0.72 | 28.9% | |
| 30 de Junho de 2025 | $-0.60 | $-0.81 | 25.8% | |
| 31 de Março de 2025 | $-0.86 | $-0.96 | 10.8% |
Fundamentos Completos Todas as métricas por ano — demonstração de resultados, balanço patrimonial, fluxo de caixa
Demonstração de Resultados
| Métrica | Tendência | 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 | · | · | · |
Balanço Patrimonial
| Métrica | Tendência | 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 |
Fluxo de Caixa
| Métrica | Tendência | 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 | · |
Lucratividade
| Métrica | Tendência | 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% | · |
Eficiência
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.2 | 0.1 | 0.2 | · |
Por Ação
| Métrica | Tendência | 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 | · |
Taxas de Crescimento
| Métrica | Tendência | 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% | · | · | · | · | · | · |
Avaliação (TTM)
| Métrica | Tendência | 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% | · |
Demonstração de Resultados
| Métrica | Tendência | 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 | · | · |
Balanço Patrimonial
| Métrica | Tendência | 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 |
Fluxo de Caixa
| Métrica | Tendência | 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 | · | · |
Lucratividade
| Métrica | Tendência | 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% |
Eficiência
| Métrica | Tendência | 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 |
Por Ação
| Métrica | Tendência | 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 |
Avaliação (TTM)
| Métrica | Tendência | 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% |
Período mais recente à esquerda · valores nulos mostrados como ·
Demonstrações Financeiras Demonstração de resultados, balanço patrimonial, fluxo de caixa — anual, últimos 5 anos
| Métrica | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Receita | $738M | $526M | $430M | $257M | $128M |
| Lucro líquido | $-166M | $-202M | $-237M | $-298M | $-241M |
| EPS Diluído | $-2.24 | $-2.85 | $-3.40 | $-4.59 | $-3.94 |
Ainda não há dados fundamentais suficientes para construir esta demonstração.
| Métrica | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Fluxo de caixa livre | $-26M | $-21M | $-128M | $-173M | $-154M |
Investidores institucionais (13F) 390 declarantes · $3.8B total · Em 30 de Setembro de 2026
Instituições que relatam a posse desta ação em seu Formulário 13F trimestral da SEC. Apenas posições compradas; um único declarante pode aparecer duas vezes para opções separadas. Grandes posições de compra/venda compensatórias geralmente refletem market-making ou inventário protegido, não convicção direcional.
| Novas posições | Posições encerradas | Aumentou | Diminuído | Variação líquida de ações |
|---|---|---|---|---|
| 63 (-11 vs trimestre anterior) | 56 (-1 vs trimestre anterior) | 134 (+12 vs trimestre anterior) | 95 (-24 vs trimestre anterior) | +1.8M |
Comparado a Q1 2026. Os registros do Formulário 13F da SEC devem ser feitos em até 45 dias após o final do trimestre, mais um pequeno período de tolerância para registrantes atrasados — trimestres ainda dentro desse período são ignorados em favor do par mais recente totalmente reportado.
| Instituição | Valor | Ações | % de 13F rastreado | Tipo |
|---|---|---|---|---|
| VANGUARD GROUP INC | $448.822.143 | 6.305.453 | 11,76% | Ações |
| BlackRock, Inc. | $393.408.186 | 6.047.782 | 10,31% | Ações |
| JPMORGAN CHASE & CO | $335.529.739 | 5.392.829 | 8,79% | Ações |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $204.297.006 | 3.140.615 | 5,35% | Ações |
| VANGUARD CAPITAL MANAGEMENT LLC | $199.779.869 | 3.071.174 | 5,23% | Ações |
| BAILLIE GIFFORD & CO | $178.953.786 | 2.751.019 | 4,69% | Ações |
| GOLDMAN SACHS GROUP INC | $125.844.819 | 1.934.586 | 3,30% | Ações |
| STATE STREET CORP | $115.088.737 | 1.769.235 | 3,01% | Ações |
| GEODE CAPITAL MANAGEMENT, LLC | $112.597.072 | 1.730.609 | 2,95% | Ações |
| MORGAN STANLEY | $78.890.222 | 1.212.762 | 2,07% | Ações |
| JANE STREET GROUP, LLC | $76.453.265 | 1.175.300 | 2,00% | Opção de venda |
| TWO SIGMA INVESTMENTS, LP | $76.360.764 | 1.173.878 | 2,00% | Ações |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $76.199.570 | 1.171.400 | 2,00% | Opção de compra |
| JANE STREET GROUP, LLC | $71.255.770 | 1.095.400 | 1,87% | Opção de compra |
| Halter Ferguson Financial Inc. | $65.428.279 | 1.005.815 | 1,71% | Ações |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $59.976.100 | 922.000 | 1,57% | Opção de venda |
| CITADEL ADVISORS LLC | $59.208.510 | 910.200 | 1,55% | Opção de compra |
| CITADEL ADVISORS LLC | $55.312.015 | 850.300 | 1,45% | Opção de venda |
| NORTHERN TRUST CORP | $45.695.023 | 702.460 | 1,20% | Ações |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $45.568.306 | 700.512 | 1,19% | Ações |
| FRONTIER CAPITAL MANAGEMENT CO LLC | $39.668.797 | 609.820 | 1,04% | Ações |
| JANE STREET GROUP, LLC | $36.808.803 | 565.854 | 0,96% | Ações |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $36.676.881 | 563.826 | 0,96% | Ações |
| CAPITAL FUND MANAGEMENT S.A. | $34.344.448 | 527.970 | 0,90% | Ações |
| VANGUARD FIDUCIARY TRUST CO | $31.014.409 | 476.778 | 0,81% | Ações |
| CITADEL ADVISORS LLC | $30.758.047 | 472.837 | 0,81% | Ações |
| UBS Group AG | $27.579.833 | 423.979 | 0,72% | Ações |
| Qube Research & Technologies Ltd | $27.578.013 | 423.951 | 0,72% | Ações |
| Trexquant Investment LP | $27.325.814 | 420.074 | 0,72% | Ações |
| TWO SIGMA ADVISERS, LP | $24.834.560 | 348.898 | 0,65% | Ações |
| CITIGROUP INC | $24.247.843 | 372.757 | 0,64% | Ações |
| Woodline Partners LP | $24.182.663 | 371.755 | 0,63% | Ações |
| Nuveen, LLC | $24.033.634 | 369.464 | 0,63% | Ações |
| BNP PARIBAS FINANCIAL MARKETS | $21.307.843 | 327.561 | 0,56% | Ações |
| BNP PARIBAS FINANCIAL MARKETS | $19.515.000 | 3.000 | 0,51% | Opção de venda |
| WOLVERINE TRADING, LLC | $18.001.907 | 331.100 | 0,47% | Opção de compra |
| WELLS FARGO & COMPANY/MN | $17.758.062 | 272.991 | 0,47% | Ações |
| PEAK6 LLC | $17.732.630 | 272.600 | 0,46% | Opção de venda |
| Privium Fund Management B.V. | $17.580.348 | 270.259 | 0,46% | Ações |
| GROUP ONE TRADING LLC | $15.056.213 | 231.456 | 0,39% | Ações |
| Squarepoint Ops LLC | $14.591.170 | 224.307 | 0,38% | Ações |
| Bank of New York Mellon Corp | $13.861.032 | 213.083 | 0,36% | Ações |
| D. E. Shaw & Co., Inc. | $13.620.559 | 209.386 | 0,36% | Ações |
| CANADA PENSION PLAN INVESTMENT BOARD | $13.549.915 | 208.300 | 0,35% | Ações |
| BANK OF AMERICA CORP /DE/ | $11.569.338 | 177.853 | 0,30% | Ações |
| FEDERATED HERMES, INC. | $11.464.151 | 176.236 | 0,30% | Ações |
| WOLVERINE TRADING, LLC | $11.341.582 | 208.600 | 0,30% | Opção de venda |
| PhiloSmith Capital Corp | $11.224.378 | 172.550 | 0,29% | Ações |
| TUDOR INVESTMENT CORP ET AL | $10.657.207 | 163.831 | 0,28% | Ações |
| Man Group plc | $8.863.518 | 136.257 | 0,23% | Ações |
Executivos da empresa 22 insiders · 7 diretores · 15 conselheiros
| Investidor com informação privilegiada | Função | Última atividade | Ações detidas | Compras 12m | Vendas 12m | Líquido 12m |
|---|---|---|---|---|---|---|
| Daniel A. Schreiber | Chief Executive Officer | 18 de Março de 2026 A | 1.024.327 | 0 | 2 | $-12.898.508 |
| Timothy E Bixby | Chief Financial Officer | 3 de Setembro de 2026 S | 172.370 | 0 | 6 | $-8.582.453 |
| Shai Wininger | President | 2 de Setembro de 2026 G | 4.416.873 | 0 | 0 | $0 |
| Adina Eckstein | Chief Operating Officer | 8 de Março de 2026 A | 333.503 | 0 | 9 | $-10.233.821 |
| John Sheldon Peters | Chief Insurance Officer | 4 de Setembro de 2026 S | 73.834 | 0 | 15 | $-5.520.460 |
| Maya Prosor | Chief Business Officer | 3 de Setembro de 2026 S | 186.533 | 0 | 4 | $-147.262 |
| Jorge Espinel | CBDO | 6 de Dezembro de 2021 A | 0 | 0 | 0 | $0 |
| Michael A Eisenberg | Conselheiro | 10 de Junho de 2026 G | 195.452 | 0 | 0 | $0 |
| Prashant Ratanchandani | Conselheiro | 3 de Junho de 2026 A | 6.185 | 0 | 0 | $0 |
| Geoff Seeley | Conselheiro | 3 de Junho de 2026 A | 5.967 | 0 | 0 | $0 |
| Maria Angelidis-Smith | Conselheiro | 3 de Junho de 2026 A | 17.744 | 2 | 0 | $485.478 |
| Samer Haj-Yehia | Conselheiro | 3 de Junho de 2026 A | 27.187 | 0 | 0 | $0 |
| Debra Schwartz | Conselheiro | 3 de Junho de 2026 A | 24.415 | 0 | 1 | $-351.078 |
| Mwashuma Kamata Nyatta | Conselheiro | 24 de Junho de 2024 A | 23.189 | 0 | 0 | $0 |
| Irina Novoselsky | Conselheiro | 7 de Junho de 2023 A | 18.462 | 0 | 0 | $0 |
| Silvija Martincevic | Conselheiro | 7 de Junho de 2023 A | 18.462 | 0 | 0 | $0 |
| Joel E Cutler | Conselheiro | 2 de Junho de 2021 S | 808.754 | 0 | 0 | $0 |
| Becker Caryn Seidman | Conselheiro | 16 de Março de 2021 M | 0 | 0 | 0 | $0 |
| Haim Sadger | Conselheiro | 10 de Março de 2021 J | 348.675 | 0 | 0 | $0 |
| Tom Hutton | Conselheiro | 19 de Janeiro de 2021 S | 15.000 | 0 | 0 | $0 |
| SoftBank Group Capital Ltd | Detentor de 10% | 13 de Maio de 2025 S | 7.111.441 | 0 | 0 | $0 |
| Alex Clavel | · | 31 de Março de 2023 J | 0 | 0 | 0 | $0 |
Executivos de declarações SEC Formulário 3/4/5; líquido = apenas P/V de mercado aberto
Participação em ETFs Detido por 34 ETFs
O peso reflete apenas participações diretas em ações (N-PORT); fundos alavancados ou baseados em derivativos podem deter exposição adicional a swaps não mostrada.
| Fundo | Peso | Unidades | Em | Fonte |
|---|---|---|---|---|
| FNY · First Trust Exchange-Traded AlphaDE… | 0,35% | 42.331 NS | 31 de Julho de 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0,28% | 76.977 SH | 19 de Agosto de 2026 | Diário |
| ESSC · Strategy Shares | 0,24% | 1.766 NS | 31 de Julho de 2026 | N-PORT |
| IWO · iShares Trust | 0,23% | 675.883 SH | 11 de Setembro de 2026 | Diário |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,14% | 414.124 SH | 19 de Agosto de 2026 | Diário |
| BKSE · BNY Mellon ETF Trust | 0,14% | 2.469 NS | 31 de Julho de 2026 | N-PORT |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,13% | 19.139 NS | 31 de Julho de 2026 | N-PORT |
| VBK · VANGUARD INDEX FUNDS | 0,12% | 917.102 SH | 19 de Agosto de 2026 | Diário |
| ISCG · iShares Trust | 0,12% | 22.685 SH | 11 de Setembro de 2026 | Diário |
| IWM · iShares Trust | 0,12% | 1.840.059 SH | 11 de Setembro de 2026 | Diário |
| RSSL · Global X Funds | 0,11% | 34.455 NS | 31 de Julho de 2026 | N-PORT |
| FNX · First Trust Exchange-Traded AlphaDE… | 0,11% | 31.669 NS | 31 de Julho de 2026 | N-PORT |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,11% | 12.711 NS | 31 de Julho de 2026 | N-PORT |
| PNQI · Invesco Exchange-Traded Fund Trust | 0,10% | 11.532 SH | 2 de Outubro de 2026 | Diário |
| ESUM · Strategy Shares | 0,08% | 3.175 NS | 31 de Julho de 2026 | N-PORT |
| VFMO · VANGUARD WELLINGTON FUND | 0,06% | 18.911 SH | 19 de Agosto de 2026 | Diário |
| ESML · iShares Trust | 0,05% | 29.114 SH | 11 de Setembro de 2026 | Diário |
| VXF · VANGUARD INDEX FUNDS | 0,05% | 749.035 SH | 19 de Agosto de 2026 | Diário |
| VB · VANGUARD INDEX FUNDS | 0,05% | 1.585.889 SH | 19 de Agosto de 2026 | Diário |
| VFH · VANGUARD WORLD FUND | 0,05% | 105.818 SH | 19 de Agosto de 2026 | Diário |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 17.055 NS | 31 de Julho de 2026 | N-PORT |
| WSML · iShares Trust | 0,03% | 4.545 SH | 11 de Setembro de 2026 | Diário |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,02% | 13.868 SH | 2 de Outubro de 2026 | Diário |
| VTI · VANGUARD INDEX FUNDS | 0,01% | 2.193.559 SH | 19 de Agosto de 2026 | Diário |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,01% | 5.924 SH | 19 de Agosto de 2026 | Diário |
| ESGV · VANGUARD WORLD FUND | 0,01% | 15.870 SH | 19 de Agosto de 2026 | Diário |
| TILT · FlexShares Trust | 0,01% | 2.356 NS | 31 de Julho de 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,01% | 16.613 NS | 31 de Julho de 2026 | N-PORT |
| ITOT · iShares Trust | 0,00% | 84.243 SH | 11 de Setembro de 2026 | Diário |
| IWV · iShares Trust | 0,00% | 16.661 SH | 11 de Setembro de 2026 | Diário |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0,00% | 57.859 SH | 19 de Agosto de 2026 | Diário |
| IAK · iShares Trust | · | 34.824 SH | 11 de Setembro de 2026 | Diário |
| ISCB · iShares Trust | · | 3.173 SH | 11 de Setembro de 2026 | Diário |
| SMLF · iShares Trust | · | 74.448 SH | 11 de Setembro de 2026 | Diário |
LMND Consenso dos analistas Opiniões de analistas otimistas e pessimistas, preço-alvo de 12 meses, potencial de alta
Preço-alvo de 12 meses
9 analistas · 2026-10-04Alvo médio $59.22 +27,4%
Comparação de pares (subindústria GICS) Métricas chave vs pares do setor
Base do ano fiscal, preços no fechamento do último ano fiscal de cada empresa.
| Ticker | Capitalização de Mercado | P/E | Receita YoY | Margem Líquida | ROE | Margem Bruta |
|---|---|---|---|---|---|---|
| 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% | · |
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