(LMND) Lemonade - Ratings and Ratios
Renters, Homeowners, Car, Pet, Life
LMND EPS (Earnings per Share)
LMND Revenue
Description: LMND Lemonade
Lemonade, Inc. is a modern insurance company offering a range of insurance products, including renters, homeowners, car, pet, and life insurance, primarily in the US, Europe, and the UK. The companys business model is built around using technology to simplify and streamline insurance processes, making it more accessible and user-friendly.
Notably, Lemonade operates on a giveback model, where a portion of premiums go towards charitable causes chosen by its customers, enhancing customer engagement and brand loyalty. As an insurance provider, key performance indicators (KPIs) such as loss ratio, expense ratio, and customer acquisition costs are crucial. A lower loss ratio indicates better risk management, while a lower expense ratio suggests operational efficiency. Lemonades ability to manage these ratios effectively will be pivotal in its long-term profitability.
From a growth perspective, the insurance market is vast and expanding, driven by increasing demand for personalized insurance products. Lemonades focus on using AI and machine learning to underwrite policies and handle claims could provide a competitive edge. KPIs such as customer retention rates, revenue growth, and the ratio of gross written premiums to earned premiums will be important indicators of the companys success. Additionally, metrics like the number of policies in force and the average revenue per user (ARPU) will offer insights into its operational performance.
Lemonades financial health, reflected in its market capitalization of $2.67 billion, indicates a significant investor interest. However, the absence of a P/E ratio and a negative RoE of -36.72% suggest that the company is currently not profitable, which is not uncommon for tech-driven insurance companies in their early stages. Investors will be closely watching its path to profitability, focusing on how effectively it can scale its operations while managing costs.
LMND Stock Overview
| Market Cap in USD | 3,713m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2020-07-02 |
LMND Stock Ratings
| Growth Rating | 51.5% |
| Fundamental | 39.4% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 161% |
| Analyst Rating | 2.44 of 5 |
LMND Dividends
Currently no dividends paidLMND Growth Ratios
| Growth Correlation 3m | 63.2% |
| Growth Correlation 12m | 60.2% |
| Growth Correlation 5y | -45.3% |
| CAGR 5y | 36.15% |
| CAGR/Max DD 3y | 0.64 |
| CAGR/Mean DD 3y | 1.19 |
| Sharpe Ratio 12m | 0.48 |
| Alpha | 207.33 |
| Beta | 0.919 |
| Volatility | 76.26% |
| Current Volume | 3974.9k |
| Average Volume 20d | 1879k |
| Stop Loss | 53.3 (-6%) |
| Signal | 0.58 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-204.0m TTM) > 0 and > 6% of Revenue (6% = 36.0m TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 8.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 73.28% (prev 135.8%; Δ -62.51pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -11.6m > Net Income -204.0m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 2.50 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (73.4m) change vs 12m ago 3.83% (target <= -2.0% for YES) |
| Gross Margin 39.87% (prev 31.61%; Δ 8.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 37.23% (prev 36.44%; Δ 0.78pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' -2.78
| (A) 0.23 = (Total Current Assets 732.7m - Total Current Liabilities 292.5m) / Total Assets 1.93b |
| (B) -0.73 = Retained Earnings (Balance) -1.41b / Total Assets 1.93b |
| (C) -0.13 = EBIT TTM -207.6m / Avg Total Assets 1.61b |
| (D) -1.00 = Book Value of Equity -1.40b / Total Liabilities 1.41b |
| Total Rating: -2.78 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 39.38
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -0.64% = -0.32 |
| 3. FCF Margin -3.46% = -1.30 |
| 4. Debt/Equity 0.41 = 2.42 |
| 5. Debt/Ebitda -1.14 = -2.50 |
| 6. ROIC - WACC -40.40% = -12.50 |
| 7. RoE -36.12% = -2.50 |
| 8. Rev. Trend 97.98% = 4.90 |
| 9. Rev. CAGR 33.59% = 2.50 |
| 10. EPS Trend 67.11% = 1.68 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of LMND shares?
Over the past week, the price has changed by +6.98%, over one month by -1.20%, over three months by +35.05% and over the past year by +209.90%.
Is Lemonade a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LMND is around 52.31 USD . This means that LMND is currently overvalued and has a potential downside of -7.71%.
Is LMND a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 4
- Sell: 2
- Strong Sell: 2
What are the forecasts/targets for the LMND price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45.1 | -20.4% |
| Analysts Target Price | 45.1 | -20.4% |
| ValueRay Target Price | 58.5 | 3.2% |
Last update: 2025-09-08 05:00
LMND Fundamental Data Overview
CCE Cash And Equivalents = 670.3m USD (Cash And Short Term Investments, last quarter)
P/S = 6.1808
P/B = 7.0438
Beta = 2.28
Revenue TTM = 600.7m USD
EBIT TTM = -207.6m USD
EBITDA TTM = -188.6m USD
Long Term Debt = 123.5m USD (from longTermDebt, last quarter)
Short Term Debt = 92.4m USD (from shortTermDebt, last fiscal year)
Debt = 215.9m USD (Calculated: Short Term 92.4m + Long Term 123.5m)
Net Debt = -233.8m USD (from netDebt column, last quarter)
Enterprise Value = 3.26b USD (3.71b + Debt 215.9m - CCE 670.3m)
Interest Coverage Ratio = unknown (Ebit TTM -207.6m / Interest Expense TTM 0.0)
FCF Yield = -0.64% (FCF TTM -20.8m / Enterprise Value 3.26b)
FCF Margin = -3.46% (FCF TTM -20.8m / Revenue TTM 600.7m)
Net Margin = -33.96% (Net Income TTM -204.0m / Revenue TTM 600.7m)
Gross Margin = 39.87% ((Revenue TTM 600.7m - Cost of Revenue TTM 361.2m) / Revenue TTM)
Tobins Q-Ratio = -2.33 (set to none) (Enterprise Value 3.26b / Book Value Of Equity -1.40b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 215.9m)
Taxrate = 21.0% (US default)
NOPAT = -207.6m (EBIT -207.6m, no tax applied on loss)
Current Ratio = 2.50 (Total Current Assets 732.7m / Total Current Liabilities 292.5m)
Debt / Equity = 0.41 (Debt 215.9m / last Quarter total Stockholder Equity 527.1m)
Debt / EBITDA = -1.14 (Net Debt -233.8m / EBITDA -188.6m)
Debt / FCF = -10.38 (Debt 215.9m / FCF TTM -20.8m)
Total Stockholder Equity = 564.8m (last 4 quarters mean)
RoA = -10.54% (Net Income -204.0m, Total Assets 1.93b )
RoE = -36.12% (Net Income TTM -204.0m / Total Stockholder Equity 564.8m)
RoCE = -30.16% (Ebit -207.6m / (Equity 564.8m + L.T.Debt 123.5m))
RoIC = -31.51% (NOPAT -207.6m / Invested Capital 658.8m)
WACC = 8.88% (E(3.71b)/V(3.93b) * Re(9.40%)) + (D(215.9m)/V(3.93b) * Rd(0.0%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 93.94 | Cagr: 0.85%
Discount Rate = 9.40% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -20.8m)
EPS Correlation: 67.11 | EPS CAGR: 0.0% | SUE: 2.86 | # QB: True
Revenue Correlation: 97.98 | Revenue CAGR: 33.59%
Additional Sources for LMND Stock
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Fund Manager Positions: Dataroma | Stockcircle