LEMONADE INC (LMND) Fundamental Analysis & Valuation

NYSE:LMND • US52567D1072

Current stock price

65.96 USD
-0.1 (-0.15%)
Last:

This LMND fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. LMND Profitability Analysis

1.1 Basic Checks

  • In the past year LMND has reported negative net income.
  • In the past year LMND has reported a negative cash flow from operations.
  • In the past 5 years LMND always reported negative net income.
  • LMND had a negative operating cash flow in each of the past 5 years.
LMND Yearly Net Income VS EBIT VS OCF VS FCFLMND Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 -50M -100M -150M -200M -250M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -8.59%, LMND is doing worse than 89.80% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -31.02%, LMND is doing worse than 87.76% of the companies in the same industry.
Industry RankSector Rank
ROA -8.59%
ROE -31.02%
ROIC N/A
ROA(3y)-11.34%
ROA(5y)-13.52%
ROE(3y)-32.84%
ROE(5y)-31.46%
ROIC(3y)N/A
ROIC(5y)N/A
LMND Yearly ROA, ROE, ROICLMND Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 -20 -40 -60 -80

1.3 Margins

  • LMND does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LMND Yearly Profit, Operating, Gross MarginsLMND Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 -200 -400 -600 -800 -1K

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. LMND Health Analysis

2.1 Basic Checks

  • LMND does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LMND has been increased compared to 1 year ago.
  • LMND has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for LMND is higher compared to a year ago.
LMND Yearly Shares OutstandingLMND Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
LMND Yearly Total Debt VS Total AssetsLMND Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • LMND has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • LMND's Debt to Equity ratio of 0.30 is in line compared to the rest of the industry. LMND outperforms 53.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.94%
LMND Yearly LT Debt VS Equity VS FCFLMND Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that LMND may have some problems paying its short term obligations.
  • LMND's Current ratio of 0.09 is fine compared to the rest of the industry. LMND outperforms 66.67% of its industry peers.
  • A Quick Ratio of 0.09 indicates that LMND may have some problems paying its short term obligations.
  • The Quick ratio of LMND (0.09) is better than 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
LMND Yearly Current Assets VS Current LiabilitesLMND Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. LMND Growth Analysis

3.1 Past

  • LMND shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.70%, which is quite impressive.
  • Looking at the last year, LMND shows a very strong growth in Revenue. The Revenue has grown by 40.15%.
  • The Revenue has been growing by 50.87% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)20.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.95%
Revenue 1Y (TTM)40.15%
Revenue growth 3Y42.19%
Revenue growth 5Y50.87%
Sales Q2Q%53.29%

3.2 Future

  • The Earnings Per Share is expected to grow by 32.82% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, LMND will show a very strong growth in Revenue. The Revenue will grow by 35.37% on average per year.
EPS Next Y22.79%
EPS Next 2Y30.19%
EPS Next 3Y32.82%
EPS Next 5YN/A
Revenue Next Year65.09%
Revenue Next 2Y48.35%
Revenue Next 3Y41.52%
Revenue Next 5Y35.37%

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
LMND Yearly Revenue VS EstimatesLMND Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1B 2B 3B 4B
LMND Yearly EPS VS EstimatesLMND Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -1 -2 -3 -4

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1

4. LMND Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for LMND. In the last year negative earnings were reported.
  • Also next year LMND is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
LMND Price Earnings VS Forward Price EarningsLMND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LMND Per share dataLMND EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

  • A more expensive valuation may be justified as LMND's earnings are expected to grow with 32.82% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.19%
EPS Next 3Y32.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LMND Dividend Analysis

5.1 Amount

  • LMND does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LMND Fundamentals: All Metrics, Ratios and Statistics

LEMONADE INC

NYSE:LMND (4/22/2026, 2:03:57 PM)

65.96

-0.1 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners59.61%
Inst Owner Change-0.14%
Ins Owners9.8%
Ins Owner Change15.7%
Market Cap5.04B
Revenue(TTM)737.90M
Net Income(TTM)-165.50M
Analysts70
Price Target66.41 (0.68%)
Short Float %16.75%
Short Ratio4.3
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.82%
Min EPS beat(2)28.7%
Max EPS beat(2)28.94%
EPS beat(4)4
Avg EPS beat(4)23.57%
Min EPS beat(4)10.83%
Max EPS beat(4)28.94%
EPS beat(8)8
Avg EPS beat(8)20.26%
EPS beat(12)12
Avg EPS beat(12)18.42%
EPS beat(16)15
Avg EPS beat(16)17.39%
Revenue beat(2)2
Avg Revenue beat(2)3.48%
Min Revenue beat(2)3.35%
Max Revenue beat(2)3.61%
Revenue beat(4)4
Avg Revenue beat(4)2.34%
Min Revenue beat(4)0.32%
Max Revenue beat(4)3.61%
Revenue beat(8)7
Avg Revenue beat(8)1.76%
Revenue beat(12)11
Avg Revenue beat(12)2.82%
Revenue beat(16)15
Avg Revenue beat(16)3.76%
PT rev (1m)0%
PT rev (3m)-1.01%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)-3.03%
EPS NY rev (1m)0.96%
EPS NY rev (3m)-6.33%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)3.99%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)3.22%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.83
P/FCF N/A
P/OCF N/A
P/B 9.44
P/tB 9.95
EV/EBITDA N/A
EPS(TTM)-2.26
EYN/A
EPS(NY)-1.74
Fwd EYN/A
FCF(TTM)-0.34
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS9.66
BVpS6.99
TBVpS6.63
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -8.59%
ROE -31.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-11.34%
ROA(5y)-13.52%
ROE(3y)-32.84%
ROE(5y)-31.46%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 61.84%
Cap/Sales 1.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z N/A
F-Score4
WACC8.94%
ROIC/WACCN/A
Cap/Depr(3y)51.61%
Cap/Depr(5y)98.34%
Cap/Sales(3y)1.73%
Cap/Sales(5y)3.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.95%
EPS Next Y22.79%
EPS Next 2Y30.19%
EPS Next 3Y32.82%
EPS Next 5YN/A
Revenue 1Y (TTM)40.15%
Revenue growth 3Y42.19%
Revenue growth 5Y50.87%
Sales Q2Q%53.29%
Revenue Next Year65.09%
Revenue Next 2Y48.35%
Revenue Next 3Y41.52%
Revenue Next 5Y35.37%
EBIT growth 1Y20.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year65.32%
EBIT Next 3Y40.67%
EBIT Next 5Y36.16%
FCF growth 1Y-24.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-44.74%
OCF growth 3YN/A
OCF growth 5YN/A

LEMONADE INC / LMND Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for LEMONADE INC?

ChartMill assigns a fundamental rating of 2 / 10 to LMND.


What is the valuation status of LEMONADE INC (LMND) stock?

ChartMill assigns a valuation rating of 1 / 10 to LEMONADE INC (LMND). This can be considered as Overvalued.


What is the profitability of LMND stock?

LEMONADE INC (LMND) has a profitability rating of 0 / 10.