LMND · Lemonade Inc
Price
Snapshot
50 fields · last close| Market Cap | $3.60B |
| P/E | — |
| Float | 70.69M |
| Beta | 2.02 |
| Volatility | 50.6% |
| Exchange | NYSE |
| Sector | Insurance |
| Cap tier | Mid cap |
| Macro sensitivity | Very High |
| Clavix score | 49.4 |
| Price | 46.49 |
| Change | +0.00% |
| Prev Close | 46.49 |
| Open | 48.00 |
| Day Low | 45.94 |
| Day High | 48.47 |
| Avg Vol | 1 |
| Avg $ Vol | $57.05M |
| 52W High | 99.90 |
| 52W Low | 43.28 |
| 52W Pos | 5.7% |
| From High | −53.46% |
| From Low | +7.42% |
| Max DD 1Y | −54.53% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | −2.46% |
| SMA 50 | −8.65% |
| SMA 200 | −24.75% |
| RSI (14) | 42.4 |
| Vol 30D | 42.5% |
| Vol 90D | 71.0% |
| 1Y Range | 43–100 |
| Daily bars | 526 |
| Perf Week | +3.47% |
| Perf Month | −12.51% |
| Perf Quarter | −40.93% |
| Perf Half Y | −24.37% |
| Perf Year | −11.30% |
| Perf YTD | −38.80% |
| Prev Day | +0.00% |
| Clavix | D+ |
| Debt / Eq | 0.30 |
| Curr Ratio | 0.09 |
| Int Cover | — |
| FCF Margin | −3.5% |
| Rev Growth | +40.1% |
| Profit | Unprofitable |
| Leverage | Low |
| Sector rank | 31 / 31 |
Clavix risk grade
regraded every trading dayLMND grades D+, 49.4 of 100. Steadiest on News Sentiment (51), most exposed on Sector Resilience (38, fragile). 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 | 2.02 | 0.50 |
| Volatilityannualized | 50.6% | 12.6% |
| Max drawdown, past yearworst peak-to-trough fall | −54.5% | — |
| Typical daily movemedian absolute daily change | 2.46% | — |
| Days beyond ±3%of the last 252 sessions | 104 (41%) | — |
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 | 2.02 | 0.50 |
| Macro sensitivityrate, dollar and credit exposure bucket | Very High | Low 74% 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 | +3.5% |
| 1 month | −12.5% |
| Year to date | −38.8% |
| 1 year | −11.3% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| LMND | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 22 Jul |
| Average score0 most bearish, 100 most bullish | 61 |
| Bullish · bearisharticles above 60 · below 40 | 21 · 6 |
| Directionarticles whose tone is improving vs worsening | 21 ↑ 6 ↓ |
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 | +40.1% |
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's premium growth, AI-driven efficiency, and improving margins are described as supporting its path to turning a positive core operating profit (EBITDA, meaning earnings before interest, taxes, depreciation and amortization) by late 2026. The article is essentially a thematic summary rather than a report of a specific event.
Lemonade is growing the money customers pay it for insurance policies, getting more efficient using AI, and seeing its profit margins improve, which the article says puts the company on track to reach operating profitability by late 2026. EBITDA (operating profit before interest, taxes, and certain accounting costs) is the measure being tracked.
The article body is too short to fully summarize, but it reports that California passed new legislation (formerly Senate Bill 1301) that adds rules for home insurance nonrenewal, including updated notification and disclosure requirements.
The article discusses Trupanion's stock performance, noting a 36.5% year-to-date drop and that it still trades at a premium relative to its industry. Slower pet population growth and rising claims costs are pressuring margins, even as the company pursues expansion plans.
Lemonade announced that its renters insurance is now available in Alaska, with coverage starting at $5 per month.
Nearest peers by size
Insurance| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| AXS | AXIS Capital Holdings Ltd | B+ | $6.92B | 6.27 | 0.42 | Compare |
| KNSL | Kinsale Capital Group Inc | B | $7.51B | 13.21 | 0.85 | Compare |
| OSCR | Oscar Health Inc | C | $9.33B | 16.94 | 2.51 | Compare |
| ERIE | Erie Indemnity Co | B- | $10.30B | 17.84 | 0.26 | Compare |
| GL | Globe Life Inc | A- | $12.73B | 10.50 | 0.45 | Compare |
| AIZ | Assurant Inc | A | $13.19B | 12.40 | 0.54 | Compare |
| RNR | Renaissancere Holdings Ltd | A- | $13.53B | 5.14 | 0.14 | Compare |
| UNM | Unum Group | A- | $14.02B | 19.95 | 0.24 | Compare |
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