Lemonade, Inc. provides various insurance products in the United States and Europe. More Details
Flawless balance sheet with limited growth.
Share Price & News
How has Lemonade's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LMND is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: LMND's weekly volatility (8%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: LMND underperformed the US Insurance industry which returned 36.4% over the past year.
Return vs Market: LMND underperformed the US Market which returned 33% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Lemonade's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall StDon't Ignore The Fact That This Insider Just Sold Some Shares In Lemonade, Inc. (NYSE:LMND)
1 month ago | Simply Wall StHere's What Lemonade, Inc.'s (NYSE:LMND) Shareholder Ownership Structure Looks Like
2 months ago | Simply Wall StShould Lemonade (NYSE:LMND) Be Disappointed With Their 15% Profit?
Is Lemonade undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate LMND's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate LMND's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: LMND is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: LMND is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate LMND's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: LMND is overvalued based on its PB Ratio (3.9x) compared to the US Insurance industry average (1.1x).
How is Lemonade forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LMND is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: LMND is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: LMND is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: LMND's revenue (48.7% per year) is forecast to grow faster than the US market (9.8% per year).
High Growth Revenue: LMND's revenue (48.7% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LMND is forecast to be unprofitable in 3 years.
How has Lemonade performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LMND is currently unprofitable.
Growing Profit Margin: LMND is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: LMND is unprofitable, and losses have increased over the past 5 years at a rate of 37.6% per year.
Accelerating Growth: Unable to compare LMND's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: LMND is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (76%).
Return on Equity
High ROE: LMND has a negative Return on Equity (-15.38%), as it is currently unprofitable.
How is Lemonade's financial position?
Financial Position Analysis
Short Term Liabilities: LMND's short term assets ($1.4B) exceed its short term liabilities ($317.8M).
Long Term Liabilities: LMND's short term assets ($1.4B) exceed its long term liabilities ($67.9M).
Debt to Equity History and Analysis
Debt Level: LMND is debt free.
Reducing Debt: LMND has not had any debt for past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: LMND has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: LMND has sufficient cash runway for more than 3 years if free cash flow continues to reduce at historical rates of 37.1% each year
What is Lemonade current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate LMND's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate LMND's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if LMND's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if LMND's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of LMND's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Daniel Schreiber (50 yo)
Mr. Daniel Asher Schreiber serves as Co-founder at Lemonade, Inc. in June 2015 and has been its Chairman since June 2015 and served as its Chief Executive Officer since June 2015 until July 21, 2021. Mr. S...
CEO Compensation Analysis
Compensation vs Market: Daniel's total compensation ($USD373.74K) is below average for companies of similar size in the US market ($USD5.25M).
Compensation vs Earnings: Daniel's compensation has increased whilst the company is unprofitable.
Experienced Management: LMND's management team is considered experienced (2.9 years average tenure).
Experienced Board: LMND's board of directors are considered experienced (3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: LMND insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8.8%.
Lemonade, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Lemonade, Inc.
- Ticker: LMND
- Exchange: NYSE
- Founded: 2015
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$4.508b
- Shares outstanding: 61.56m
- Website: https://www.lemonade.com
Number of Employees
- Lemonade, Inc.
- 5 Crosby Street
- 3rd Floor
- New York
- New York
- United States
Lemonade, Inc. provides various insurance products in the United States and Europe. Its insurance products cover stolen or damaged property, and personal liability that protects its customers if they are r...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/20 22:39|
|End of Day Share Price||2021/09/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.