LMND · Lemonade Inc
Price
Snapshot
50 fields · last close| Market Cap | $3.64B |
| P/E | — |
| Float | 70.69M |
| Beta | 2.05 |
| Volatility | 51.2% |
| Exchange | NYSE |
| Sector | Insurance |
| Cap tier | Mid cap |
| Macro sensitivity | Very High |
| Clavix score | 47 |
| Price | 47.40 |
| Change | +0.66% |
| Prev Close | 47.09 |
| Open | 48.85 |
| Day Low | 46.99 |
| Day High | 49.41 |
| Avg Vol | 1 |
| Avg $ Vol | $45.77M |
| 52W High | 99.90 |
| 52W Low | 46.16 |
| 52W Pos | 2.3% |
| From High | −52.55% |
| From Low | +2.69% |
| Max DD 1Y | −51.24% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | −7.98% |
| SMA 50 | −14.03% |
| SMA 200 | −25.18% |
| RSI (14) | 34.6 |
| Vol 30D | 39.1% |
| Vol 90D | 71.7% |
| 1Y Range | 46–100 |
| Daily bars | 516 |
| Perf Week | −4.68% |
| Perf Month | −8.12% |
| Perf Quarter | −19.97% |
| Perf Half Y | −27.04% |
| Perf Year | −15.62% |
| Perf YTD | −37.60% |
| Prev Day | +0.66% |
| Clavix | D+ |
| Debt / Eq | 2.61 |
| Curr Ratio | 0.09 |
| Int Cover | — |
| FCF Margin | −3.5% |
| Rev Growth | +0.4% |
| Profit | Unprofitable |
| Leverage | Low |
| Sector rank | 31 / 31 |
Clavix risk grade
regraded every trading dayLMND grades D+, 47 of 100. Steadiest on News Sentiment (64), most exposed on Sector Resilience (34, weak). 0 of the 4 weighted dimensions sit above the Insurance median. Ranks 31 of 31 in Insurance by Clavix score.
How rough the ride is
| LMND | Insurance median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 2.05 | 0.51 |
| Volatilityannualized | 51.2% | 12.7% |
| Max drawdown, past yearworst peak-to-trough fall | −51.2% | — |
| Typical daily movemedian absolute daily change | 2.54% | — |
| Days beyond ±3%of the last 252 sessions | 10642% | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| LMND | Insurance median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 2.05 | 0.51 |
| Macro sensitivityrate, dollar and credit exposure bucket | Very High | Low74% of 31 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Insurance names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| LMND | |
|---|---|
| 1 week | −4.7% |
| 1 month | −8.1% |
| Year to date | −37.6% |
| 1 year | −15.6% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| LMND | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 21since 22 Jul |
| Average score0 most bearish, 100 most bullish | 59 |
| Bullish · bearisharticles above 60 · below 40 | 14 · 5 |
| Directionarticles whose tone is improving vs worsening | 14 ↑ 5 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 31 Insurance names Clavix covers; the tick is the sector median.
Growth
| LMND | |
|---|---|
| Revenue growthyear over year | +0.4% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Insurance median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openLemonade says it expects to report its first quarter of positive EBITDA, meaning operating profit before interest, taxes, and depreciation, in the fourth quarter. The article also notes that Chief Financial Officer Tim Bixby is moving from the finance role to a seat on the company's board.
Lemonade's CFO Tim Bixby said the digital insurer expects to reach its first quarter where core profits exceed operating costs (called an EBITDA-positive quarter) in the fourth quarter. He also announced he is transitioning from CFO to a board role, while the company continues to focus on growth, new products, and using technology to set prices.
A federal district court in New York approved a $10.5 million class action settlement by Lemonade over a data breach that exposed the driver license numbers of up to 190,644 people to outside companies through its online auto insurance quote tool.
Lemonade's CFO discussed plans to expand into self-driving car insurance and grow through cross-selling, while the New York-based insurance company founded in 2015 faces pressure to hit profitability targets.
Lemonade's loss ratio improved to 60% and gross profit rose 76%, but its stock is still 49% below its 52-week high. The article uses AI and chatbots to price policies and handle customer sign-ups and claims, and questions whether the dip is a buying opportunity or a value trap.
Nearest peers by size
Insurance| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| AXS | AXIS Capital Holdings Ltd | B+ | $7.24B | 6.55 | 0.42 | Compare |
| KNSL | Kinsale Capital Group Inc | B | $8.13B | 14.29 | 0.82 | Compare |
| OSCR | Oscar Health Inc | C | $9.69B | 17.59 | 2.58 | Compare |
| ERIE | Erie Indemnity Co | B- | $11.13B | 19.29 | 0.26 | Compare |
| GL | Globe Life Inc | A- | $13.33B | 10.99 | 0.45 | Compare |
| RNR | Renaissancere Holdings Ltd | A- | $13.59B | 5.16 | 0.12 | Compare |
| AIZ | Assurant Inc | A | $13.92B | 13.09 | 0.54 | Compare |
| EG | Everest Group Ltd | A- | $14.37B | 7.51 | 0.25 | Compare |
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