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LEMONADE INC (LMND) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:LMND - US52567D1072 - Common Stock

79.41 USD
-0.78 (-0.97%)
Last: 1/16/2026, 8:04:00 PM
79.15 USD
-0.26 (-0.33%)
After Hours: 1/16/2026, 8:04:00 PM
Fundamental Rating

2

LMND gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. LMND has a bad profitability rating. Also its financial health evaluation is rather negative. LMND is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • LMND had negative earnings in the past year.
  • In the past year LMND has reported a negative cash flow from operations.
  • In the past 5 years LMND always reported negative net income.
  • In the past 5 years LMND always reported negative operating cash flow.
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 -9.06%, LMND is not doing good in the industry: 92.47% of the companies in the same industry are doing better.
  • LMND has a worse Return On Equity (-33.67%) than 88.36% of its industry peers.
Industry RankSector Rank
ROA -9.06%
ROE -33.67%
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.
  • LMND has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for LMND has been increased compared to 5 years ago.
  • LMND has a worse debt/assets ratio than last year.
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

  • A Debt/Equity ratio of 0.27 indicates that LMND is not too dependend on debt financing.
  • LMND has a Debt to Equity ratio of 0.27. This is comparable to the rest of the industry: LMND outperforms 58.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.87%
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

  • LMND has a Current 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.
  • LMND's Current ratio of 0.09 is fine compared to the rest of the industry. LMND outperforms 64.38% 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.
  • LMND's Quick ratio of 0.09 is fine compared to the rest of the industry. LMND outperforms 64.38% 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 20M 40M 60M 80M

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7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.38% over the past year.
  • LMND shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.54%.
  • LMND shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 50.90% yearly.
EPS 1Y (TTM)21.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%46.32%
Revenue 1Y (TTM)33.54%
Revenue growth 3Y60.06%
Revenue growth 5Y50.9%
Sales Q2Q%42.39%

3.2 Future

  • LMND is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.70% yearly.
  • LMND is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 37.92% yearly.
EPS Next Y14.76%
EPS Next 2Y19.34%
EPS Next 3Y19.7%
EPS Next 5YN/A
Revenue Next Year38.35%
Revenue Next 2Y48.69%
Revenue Next 3Y42.52%
Revenue Next 5Y37.92%

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 1B 2B 3B
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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0

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for LMND. In the last year negative earnings were reported.
  • 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 50

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 19.70% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.34%
EPS Next 3Y19.7%

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0

5. Dividend

5.1 Amount

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

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LEMONADE INC

NYSE:LMND (1/16/2026, 8:04:00 PM)

After market: 79.15 -0.26 (-0.33%)

79.41

-0.78 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-23
Inst Owners57.49%
Inst Owner Change0.01%
Ins Owners7.1%
Ins Owner Change-1.2%
Market Cap5.93B
Revenue(TTM)658.60M
Net Income(TTM)-173.80M
Analysts53.75
Price Target67.09 (-15.51%)
Short Float %20.69%
Short Ratio4.74
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)27.37%
Min EPS beat(2)25.8%
Max EPS beat(2)28.94%
EPS beat(4)4
Avg EPS beat(4)24.29%
Min EPS beat(4)10.83%
Max EPS beat(4)31.6%
EPS beat(8)8
Avg EPS beat(8)19.82%
EPS beat(12)12
Avg EPS beat(12)18.01%
EPS beat(16)15
Avg EPS beat(16)16%
Revenue beat(2)2
Avg Revenue beat(2)1.83%
Min Revenue beat(2)0.32%
Max Revenue beat(2)3.35%
Revenue beat(4)4
Avg Revenue beat(4)1.6%
Min Revenue beat(4)0.32%
Max Revenue beat(4)3.35%
Revenue beat(8)7
Avg Revenue beat(8)1.47%
Revenue beat(12)11
Avg Revenue beat(12)3.41%
Revenue beat(16)15
Avg Revenue beat(16)3.66%
PT rev (1m)7.17%
PT rev (3m)34.7%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)3.46%
EPS NY rev (1m)1.21%
EPS NY rev (3m)8.76%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.34%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 9.01
P/FCF N/A
P/OCF N/A
P/B 11.5
P/tB 12.13
EV/EBITDA N/A
EPS(TTM)-2.39
EYN/A
EPS(NY)-1.64
Fwd EYN/A
FCF(TTM)-0.44
FCFYN/A
OCF(TTM)-0.31
OCFYN/A
SpS8.81
BVpS6.91
TBVpS6.54
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -9.06%
ROE -33.67%
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
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 Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 54.91%
Cap/Sales 1.44%
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
WACC8.87%
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)21.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%46.32%
EPS Next Y14.76%
EPS Next 2Y19.34%
EPS Next 3Y19.7%
EPS Next 5YN/A
Revenue 1Y (TTM)33.54%
Revenue growth 3Y60.06%
Revenue growth 5Y50.9%
Sales Q2Q%42.39%
Revenue Next Year38.35%
Revenue Next 2Y48.69%
Revenue Next 3Y42.52%
Revenue Next 5Y37.92%
EBIT growth 1Y13.29%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year36.34%
EBIT Next 3Y32.64%
EBIT Next 5Y27.77%
FCF growth 1Y76.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y82.22%
OCF growth 3YN/A
OCF growth 5YN/A

LEMONADE INC / LMND 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 0 / 10 to LEMONADE INC (LMND). This can be considered as Overvalued.


Can you provide the profitability details for LEMONADE INC?

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


What is the expected EPS growth for LEMONADE INC (LMND) stock?

The Earnings per Share (EPS) of LEMONADE INC (LMND) is expected to grow by 14.76% in the next year.