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Lemonade

NYQ:LMND · US52567D1072
InsuranceMedium

360

11
Profit price—
Owner Earnings Yield1
Dividend Yield1
Price/Sales14
EV / Gross Profit18
Price/Book1
Returns on capital1
Profit margins1
Accruals93
Owner Earnings Margin1
Sales growth100
Profit growth4
Reinvestment4
Price momentum95
Debt load25
Debt serviceability52
Liquidity4
Analyst ratings12
Opinion Changes50
Price Target Upside43
Market mood21
Value Creation6/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Lemonade doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2015
Employees1,142
Websitelemonade.com
ISINUS52567D1072
Last UpdateApr 2, 2026
Index & Theme
Process AutomationAnti-FraudArtificial IntelligenceNatural Language ProcessingMachine LearningInsurtechFinancial ServicesInternetInternet of ThingsMobilePayments

Description

Lemonade, Inc. (Lemonade) provides personal property and casualty insurance products within the United States and Europe, including the U.K. Lemonade is rebuilding insurance from the ground up on a digital substrate and an innovative business model.…

Analysis

Story stock

Lemonade, Inc. is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

Valuation data is not available for this company.

The trajectory is solid and the balance sheet is adequate. The company scores 6/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
1
2023202420252026

All-time high

17

Jan 2023

All-time low

1

Jun 2026

Average rank

7

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
14
11
26
3
Price/Earnings
100
55
55
4
Price/Book
1
14
57
22
Dividend Yield
1
1
1
1
Value (overall)
11
13
32
15

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →