LMND Fundamental Analysis - LEMONADE INC

Fundamental Rating

LMND gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. Both the profitability and financial health of LMND have multiple concerns. LMND shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

In the past year LMND has reported negative net income.

LMND had a negative operating cash flow in the past year.

In the past 5 years LMND always reported negative net income.

In the past 5 years LMND always reported negative operating cash flow.

1.2 Ratios

With a Return On Assets value of -9.06%, LMND is not doing good in the industry: 93.24% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of -33.67%, LMND is doing worse than 89.19% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for LMND so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

A Debt/Equity ratio of 0.27 indicates that LMND is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.27, LMND is in line with its industry, outperforming 58.11% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.77%

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 has a better Current ratio (0.09) than 62.16% 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 62.16% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.09
Quick Ratio	0.09

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LMND shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.38%, which is quite impressive.

Looking at the last year, LMND shows a very strong growth in Revenue. The Revenue has grown by 33.54%.

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)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

Based on estimates for the next years, LMND will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.42% on average per year.

Based on estimates for the next years, LMND will show a very strong growth in Revenue. The Revenue will grow by 37.92% on average per year.

EPS Next Y13.72%

EPS Next 2Y19.34%

EPS Next 3Y19.42%

EPS Next 5YN/A

Revenue Next Year38.34%

Revenue Next 2Y48.37%

Revenue Next 3Y42.46%

Revenue Next 5Y37.92%

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.

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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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as LMND's earnings are expected to grow with 19.42% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y19.34%

EPS Next 3Y19.42%

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5. Dividend

5.1 Amount

LMND does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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LEMONADE INC

NYSE:LMND (12/26/2025, 8:04:00 PM)

After market: 74.1 -0.59 (-0.79%)

74.69

-5.11 (-6.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-05 2025-11-05/bmo

Earnings (Next)02-23 2026-02-23/amc

Inst Owners57.44%

Inst Owner Change-1.97%

Ins Owners7.12%

Ins Owner Change-1.11%

Market Cap5.58B

Revenue(TTM)658.60M

Net Income(TTM)-173.80M

Analysts52.5

Price Target62.86 (-15.84%)

Short Float %22.44%

Short Ratio5.03

Dividend

		Industry Rank	Sector 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)25.34%

PT rev (3m)27.42%

EPS NQ rev (1m)0.27%

EPS NQ rev (3m)2.25%

EPS NY rev (1m)6.25%

EPS NY rev (3m)8.04%

Revenue NQ rev (1m)0.13%

Revenue NQ rev (3m)1.39%

Revenue NY rev (1m)1.34%

Revenue NY rev (3m)1.48%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	8.47
P/FCF	N/A
P/OCF	N/A
P/B	10.81
P/tB	11.41
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 Rank	Sector 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 Rank	Sector 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

WACC8.77%

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 Y13.72%

EPS Next 2Y19.34%

EPS Next 3Y19.42%

EPS Next 5YN/A

Revenue 1Y (TTM)33.54%

Revenue growth 3Y60.06%

Revenue growth 5Y50.9%

Sales Q2Q%42.39%

Revenue Next Year38.34%

Revenue Next 2Y48.37%

Revenue Next 3Y42.46%

Revenue Next 5Y37.92%

EBIT growth 1Y13.29%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year36.35%

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.

Can you provide the valuation status for LEMONADE INC?

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.

Can you provide the expected EPS growth for LMND stock?

The Earnings per Share (EPS) of LEMONADE INC (LMND) is expected to grow by 13.72% in the next year.

LEMONADE INC (LMND) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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LEMONADE INC / LMND FAQ

Can you provide the ChartMill fundamental rating for LEMONADE INC?

Can you provide the valuation status for LEMONADE INC?

Can you provide the profitability details for LEMONADE INC?

Can you provide the expected EPS growth for LMND stock?