Lemonade Inc (LMND)

Lemonade's stock has been impacted by several events over the past six months. In Q2 2025, Lemonade reported revenues of $164.1 million, a 34.5% year-over-year increase, and the stock was up 28.5% since this report. The company renewed its reinsurance program, reducing the ceded proportion of its quota share reinsurance from approximately 55% to 20%, effective July 1, 2025. In Q3 2025, Lemonade announced an 8th consecutive quarter of accelerating In-Force Premium (IFP) growth, reaching $1.16 billion IFP (30% YoY growth). As of November 27, 2025, LMND was trading at $78.47, with a 6-month increase of 141.65%.

The provided information does not explicitly detail seasonal fluctuations in demand. Lemonade has demonstrated strong financial growth through increased customer acquisition, expansion of product lines, and entry into new geographic markets. The company has reported accelerating In-Force Premium (IFP) growth for eight consecutive quarters, indicating a steady upward trend. Lemonade's strategy involves attracting young consumers and growing with them as they progress through different life stages.

Lemonade, Inc. is an American insurance company using a digital and AI-based platform to offer insurance products and streamline claims. Founded in 2015, it aims to disrupt the traditional insurance industry using technology, data, AI, and a focus on social impact. Lemonade offers renters', homeowners', car, pet, and term life insurance, utilizing AI chatbots for customer interactions and claims processing. As a certified B-Corp, Lemonade donates unused premiums to non-profits through its Giveback program.

Lemonade, Inc. operates primarily in the United States and Europe. In the U.S., its products are available in states including California, Texas, New York, and others. In Europe, Lemonade offers policies in Germany, the Netherlands, France, and the United Kingdom. The company is headquartered in New York, NY.

Lemonade has cultivated a strong brand reputation in the digital insurance sector. The company is recognized for its innovative use of AI and has received positive customer feedback for its quick and efficient service. Lemonade has a Net Promoter Score (NPS) of 70 and has been recognized as a top-rated insurance company. No specific negative events significantly impacted Lemonade's brand reputation in the past year.

Lemonade, Inc. has a diverse ownership structure. Institutions hold approximately 51% to 63% of the company's ownership, with major shareholders including Vanguard Group Inc., BlackRock, Inc., and Softbank Group Corp. Individual insiders, such as co-founders Shai Wininger and Daniel A. Schreiber, hold substantial stakes. Shai Wininger is the largest individual shareholder, owning 15.38 million shares, representing 20.58% of the company. The general public owns approximately 29.3% to 32% of the company.