LEMONADE INC (LMND) Fundamental Analysis & Valuation

NYSE:LMND • US52567D1072

Current stock price

64.18 USD
-0.36 (-0.56%)
At close:
64.8 USD
+0.62 (+0.97%)
After Hours:

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

  • 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.
  • 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

  • LMND's Return On Assets of -8.59% is on the low side compared to the rest of the industry. LMND is outperformed by 89.86% of its industry peers.
  • LMND has a worse Return On Equity (-31.02%) than 86.49% of its industry peers.
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

  • 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 2025 -200 -400 -600 -800 -1K

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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.
  • LMND has more shares outstanding than it did 1 year ago.
  • LMND has more shares outstanding than it did 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 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 has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: LMND outperforms 54.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.07%
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

  • 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.
  • Looking at the Current ratio, with a value of 0.09, LMND is in the better half of the industry, outperforming 66.22% of the companies in the same industry.
  • 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.
  • The Quick ratio of LMND (0.09) is better than 66.22% 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

  • The Earnings Per Share has grown by an impressive 20.70% over the past year.
  • Looking at the last year, LMND shows a very strong growth in Revenue. The Revenue has grown by 40.15%.
  • Measured over the past years, LMND shows a very strong growth in Revenue. The Revenue has been growing by 50.87% on average per year.
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

  • LMND is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.82% yearly.
  • LMND is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.37% yearly.
EPS Next Y22.04%
EPS Next 2Y29.61%
EPS Next 3Y32.82%
EPS Next 5YN/A
Revenue Next Year64.82%
Revenue Next 2Y47.99%
Revenue Next 3Y41.52%
Revenue Next 5Y35.37%

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 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

  • LMND reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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 2Y29.61%
EPS Next 3Y32.82%

More info and screens

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 (3/20/2026, 8:06:10 PM)

After market: 64.8 +0.62 (+0.97%)

64.18

-0.36 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-04
Inst Owners59.6%
Inst Owner Change1.84%
Ins Owners6.96%
Ins Owner Change1.77%
Market Cap4.90B
Revenue(TTM)737.90M
Net Income(TTM)-165.50M
Analysts68.89
Price Target66.41 (3.47%)
Short Float %17.89%
Short Ratio4.58
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)-2.98%
PT rev (3m)13.24%
EPS NQ rev (1m)-3.76%
EPS NQ rev (3m)-7.95%
EPS NY rev (1m)-5.76%
EPS NY rev (3m)-7.36%
Revenue NQ rev (1m)3.93%
Revenue NQ rev (3m)2.94%
Revenue NY rev (1m)3.05%
Revenue NY rev (3m)3.66%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.64
P/FCF N/A
P/OCF N/A
P/B 9.19
P/tB 9.68
EV/EBITDA N/A
EPS(TTM)-2.26
EYN/A
EPS(NY)-1.76
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 NumberN/A
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
WACC9.07%
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 Y22.04%
EPS Next 2Y29.61%
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 Year64.82%
Revenue Next 2Y47.99%
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.


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 22.04% in the next year.