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LEMONADE INC (LMND) Stock Fundamental Analysis

NYSE:LMND - New York Stock Exchange, Inc. - US52567D1072 - Common Stock - Currency: USD

42.48  +0.48 (+1.14%)

After market: 42.41 -0.07 (-0.16%)

Fundamental Rating

2

LMND gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. LMND has a bad profitability rating. Also its financial health evaluation is rather negative. LMND is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

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 -50M -100M -150M -200M -250M

1.2 Ratios

With a Return On Assets value of -11.70%, LMND is not doing good in the industry: 93.75% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -39.84%, LMND is doing worse than 92.36% of the companies in the same industry.
Industry RankSector Rank
ROA -11.7%
ROE -39.84%
ROIC N/A
ROA(3y)-14.35%
ROA(5y)-14.76%
ROE(3y)-33.95%
ROE(5y)-29.77%
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 -20 -40 -60 -80

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for LMND so they could not be analyzed.
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 -200 -400 -600 -800 -1K

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2

2. Health

2.1 Basic Checks

LMND does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LMND has more shares outstanding
Compared to 5 years ago, LMND has more shares outstanding
Compared to 1 year ago, LMND has a worse debt to assets ratio.
LMND Yearly Shares OutstandingLMND Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

LMND has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of LMND (0.19) is better than 72.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.98%
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 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 has a Current ratio of 0.09. This is in the better half of the industry: LMND outperforms 65.28% of its industry peers.
LMND has a Quick Ratio of 0.09. This is a bad value and indicates that LMND is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.09, LMND is in the better half of the industry, outperforming 65.28% of the companies in the same industry.
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 20M 40M 60M 80M

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.88% over the past year.
The Revenue has grown by 23.12% in the past year. This is a very strong growth!
Measured over the past years, LMND shows a very strong growth in Revenue. The Revenue has been growing by 50.90% on average per year.
EPS 1Y (TTM)2.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-28.36%
Revenue 1Y (TTM)23.12%
Revenue growth 3Y60.06%
Revenue growth 5Y50.9%
Sales Q2Q%26.95%

3.2 Future

Based on estimates for the next years, LMND will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.91% on average per year.
LMND is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.13% yearly.
EPS Next Y0.46%
EPS Next 2Y14.26%
EPS Next 3Y18.91%
EPS Next 5YN/A
Revenue Next Year27.5%
Revenue Next 2Y29.43%
Revenue Next 3Y30.05%
Revenue Next 5Y27.13%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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 500M 1B 1.5B 2B 2.5B
LMND Yearly EPS VS EstimatesLMND Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 -1 -2 -3 -4

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4. Valuation

4.1 Price/Earnings Ratio

LMND reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for LMND. No positive earnings are expected for the next year.
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 40

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

4.3 Compensation for Growth

LMND's earnings are expected to grow with 18.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.26%
EPS Next 3Y18.91%

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0

5. Dividend

5.1 Amount

No dividends for LMND!.
Industry RankSector Rank
Dividend Yield N/A

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LEMONADE INC

NYSE:LMND (7/3/2025, 7:44:57 PM)

After market: 42.41 -0.07 (-0.16%)

42.48

+0.48 (+1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)07-30 2025-07-30/amc
Inst Owners46.26%
Inst Owner Change-0.93%
Ins Owners7.32%
Ins Owner Change-30.45%
Market Cap3.11B
Analysts47.14
Price Target29.92 (-29.57%)
Short Float %28.85%
Short Ratio7.48
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)21.22%
Min EPS beat(2)10.83%
Max EPS beat(2)31.6%
EPS beat(4)4
Avg EPS beat(4)15.32%
Min EPS beat(4)9.28%
Max EPS beat(4)31.6%
EPS beat(8)8
Avg EPS beat(8)14.97%
EPS beat(12)11
Avg EPS beat(12)14.79%
EPS beat(16)15
Avg EPS beat(16)13.28%
Revenue beat(2)2
Avg Revenue beat(2)1.37%
Min Revenue beat(2)0.66%
Max Revenue beat(2)2.09%
Revenue beat(4)3
Avg Revenue beat(4)1.16%
Min Revenue beat(4)-1.78%
Max Revenue beat(4)3.68%
Revenue beat(8)7
Avg Revenue beat(8)2.59%
Revenue beat(12)11
Avg Revenue beat(12)4.36%
Revenue beat(16)15
Avg Revenue beat(16)3.93%
PT rev (1m)-2.69%
PT rev (3m)-1.75%
EPS NQ rev (1m)-3.73%
EPS NQ rev (3m)-6.47%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)0.25%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.57
P/FCF N/A
P/OCF N/A
P/B 5.71
P/tB 6.04
EV/EBITDA N/A
EPS(TTM)-3.04
EYN/A
EPS(NY)-1.98
Fwd EYN/A
FCF(TTM)-0.52
FCFYN/A
OCF(TTM)-0.39
OCFYN/A
SpS7.62
BVpS7.45
TBVpS7.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -11.7%
ROE -39.84%
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)-14.35%
ROA(5y)-14.76%
ROE(3y)-33.95%
ROE(5y)-29.77%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 47.18%
Cap/Sales 1.65%
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
WACC8.98%
ROIC/WACCN/A
Cap/Depr(3y)58.6%
Cap/Depr(5y)137.73%
Cap/Sales(3y)2.62%
Cap/Sales(5y)3.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-28.36%
EPS Next Y0.46%
EPS Next 2Y14.26%
EPS Next 3Y18.91%
EPS Next 5YN/A
Revenue 1Y (TTM)23.12%
Revenue growth 3Y60.06%
Revenue growth 5Y50.9%
Sales Q2Q%26.95%
Revenue Next Year27.5%
Revenue Next 2Y29.43%
Revenue Next 3Y30.05%
Revenue Next 5Y27.13%
EBIT growth 1Y-4.52%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year33.09%
EBIT Next 3Y26.52%
EBIT Next 5Y25.64%
FCF growth 1Y78.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y83.05%
OCF growth 3YN/A
OCF growth 5YN/A