Lemonade, Inc. (LMND)
Lemonade is a digital-first insurance company that uses artificial intelligence and chatbots to handle everything from buying policies to processing claims.
Is Lemonade, Inc. a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Rapid revenue growth shows strong demand for their digital approach. Worth weighing: The company is not yet profitable, relying on cash reserves to fund operations.
Is this normal for this company?
Each figure against the range this same company has produced recently. Neither end of a range is the good end.
Profit as a share of sales, from the company's own quarterly statements. The range covers the 5 quarters we hold, and the figure shown is its most recent one.
How these ranges are built
Every number here is the company's own reported figure, not a comparison with other companies. The ranges come from this company's own results and its share price. Where it reports in a different currency from the one its shares trade in, the price-to-earnings range is left out rather than mixing the two.
What does Lemonade, Inc. do?
Lemonade aims to make insurance less of a headache by replacing paperwork and brokers with a slick mobile app and clever algorithms. Premiums collected from customers provide the income, though the firm currently spends more on growth and technology than it brings in through insurance profits. Much depends on whether their technology can hold claims costs low enough to eventually deliver consistent profit.
On our factor screen it looks strongest on growth and value, and weakest on momentum.
- !Pays no dividend - the whole return rides on the share price
- ✓Growing - revenue up about 79% over the year
- Growth screens high
- Momentum screens low
- Income screens low
Does Lemonade, Inc. pay a dividend?
No - Lemonade, Inc. doesn't currently pay a dividend, so the whole return would rest on the share price. Plenty of growing companies reinvest their profits instead of paying them out - neither approach is better or worse, they're just different.
What do Lemonade, Inc.'s numbers mean?
How has it performed?
Growth of £1,000, the worst fall, and year by year
Over about 2 years to 2026-09-11. This is the share price only; any dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Lemonade, Inc. actually fallen?
Over the last 2 years of daily prices, Lemonade, Inc. fell as much as −52% from a high to a later low. Falls like this are normal when you own a share.
Past falls are not a forecast - it can fall further, or recover.
How has it done year by year?
Calendar-year total return - the share price with dividends reinvested - from adjusted closing prices. The current year is only part-complete. Past returns are not a guide to the future.
A closer look at the numbers
Ownership, earnings history, where the money goes, and the outlook range
Does the share price tell you if it's cheap or expensive?
Who owns Lemonade, Inc.?
About 61% of Lemonade, Inc., or about 61 in every 100 shares, is held by big institutions such as pension and index funds, and company insiders hold about 9%. The rest, roughly 30%, is held by the public and smaller investors.
What this does and doesn't tell you
This is a recent snapshot of the share register, and it moves. We don't read anything into who owns what - a high institutional share is common for any large listed company and is not a signal about it.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
How much money does Lemonade, Inc. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
When does Lemonade, Inc. report earnings, and how did recent quarters go?
Lemonade, Inc. is next scheduled to report on about 2026-11-04 - dates can move, and we don't predict results; this just tells you when to look.
‘Beat’ and ‘missed’ are against what analysts expected, not whether the business is doing well.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-29 | $-0.56 | $-0.56 | In line |
| 2026-04-29 | $-0.57 | $-0.49 | Beat +14% |
| 2026-02-19 | $-0.43 | $-0.29 | Beat +33% |
| 2025-11-05 | $-0.70 | $-0.51 | Beat +28% |
| 2025-08-05 | $-0.76 | $-0.76 | In line |
| 2025-05-06 | $-0.84 | $-0.76 | Beat +9% |
Across the last 6 quarters here, Lemonade, Inc. came in ahead of what analysts expected 4 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Where these figures come from
Each quarter a company reports its results against a consensus of analyst forecasts. The figures here are reported versus expected earnings per share from published results; the expectation is that analyst consensus, not our view. Report dates are estimates and can move.
What are the scenarios for Lemonade, Inc.?
An illustrative range for the year ahead — not a prediction or a price target.
What are the pros, cons and common questions?
The case each way, and the questions people ask
AI-driven efficiency gains lead to industry-leading profit margins.
The business model fails to scale profitably against traditional insurers.
What are the pros and cons of Lemonade, Inc.?
A balance check, not a score or verdict.
- Rapid revenue growth: How fast the company's sales grew versus a year ago. shows strong demand for their digital approach.
- User-friendly technology creates a distinct experience compared to traditional insurers.
- High gross margins suggest the core insurance product has potential to be profitable.
- The company is not yet profitable, relying on cash reserves to fund operations.
- High volatility makes the share price prone to sharp swings.
- No dividend payments mean investors rely entirely on share price growth.
- Traditional insurance giants could adopt similar technology to compete.
- Unexpectedly high claims from natural disasters could hurt financial stability.
- Regulatory hurdles in different regions could slow down expansion plans.
The write-up's own warning lights — if these start happening, the case above changes.
- The company achieves consistent net profitability.
- Revenue growth stalls significantly for several consecutive quarters.
Common questions about Lemonade, Inc.
Does Lemonade, Inc. pay a dividend?
No - Lemonade, Inc. does not currently pay a dividend, so the return would rest on the share price. Many growing companies reinvest profits instead of paying them out.
When does Lemonade, Inc. report earnings next?
Lemonade, Inc. is next scheduled to report results on about 2026-11-04. Report dates are estimates and can move; this is a diary note for when to look, not a forecast of the outcome.
More in Financial Services
Nu Holdings Ltd.
SoFi Technologies, Inc.
Berkshire Hathaway Inc.
Upstart Holdings, Inc.
Riot Platforms, Inc.
Destiny Tech100 Inc.
CleanSpark, Inc.
MARA Holdings, Inc.Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.