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Wednesday 4 November 2026
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Lemonade, Inc.
LMND Financial Insurance Property & Casualty
Lemonade, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $737.9 million, up 40.2% from fiscal 2024.
- Revenue
- +79.4%
- EPS
- +6.67%
- Free cash flow
- −335.3%
- Total debt
- +67.1%
Quarter to June 2026, against a year earlier
45.65
4.31
+10.43%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 6 | 4 | 4 | 3 | — | — | — | — |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/S ratio |
7.13 | 4.95 | 2.76 | 3.47 | 20.08 | 43.67 | 9.28 | 9.28 | 9.28 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
254.27 | 188.78 | (73.73) | (31.17) | (51.67) | (199.17) | (51.91) | (51.91) | (51.91) |
P/B ratio |
9.86 | 4.39 | 1.67 | 1.03 | 2.61 | 7.62 | 0.00 | 0.00 | 0.00 |
Price to Tangible BV |
10.39 | 4.65 | 1.78 | 1.09 | 2.61 | 7.63 | 0.00 | 0.00 | 0.00 |
EV/Sales |
6.81 | 4.37 | 2.16 | 2.36 | 17.97 | 37.62 | 6.37 | 6.37 | 6.37 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(304.52) | (202.00) | (7.81) | (3.71) | (15.96) | (38.73) | (7.49) | (7.49) | (7.49) |
EV/FCF |
(194.00) | (110.71) | (7.25) | (3.49) | (14.98) | (36.95) | (7.18) | (7.18) | (7.18) |
Quick Ratio |
0.87 | 0.92 | 0.91 | 1.03 | 1.35 | 3.41 | 3.56 | — | — |
Current Ratio |
0.87 | 0.92 | 0.91 | 1.03 | 1.35 | 3.41 | 3.56 | — | — |
Net Debt/EBITDA |
1.58 | 1.59 | 1.21 | 1.04 | 1.16 | 4.78 | 2.51 | 0.00 | — |
Debt/Assets |
8.21% | 4.51% | 0.91% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.30 | 0.14 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.39 | 0.30 | 0.26 | 0.16 | 0.11 | 0.15 | 0.30 | 1.10 | 0.03 |
Operating CF/Net income |
0.10 | 0.06 | 0.50 | 0.55 | 0.60 | 0.75 | 0.72 | 0.77 | 0.68 |
Capex/Depreciation |
(1.00) | (0.68) | (0.53) | (0.53) | 18.80 | (3.38) | (27.00) | (7.00) | — |
| (29.37%) | (31.05%) | (30.07%) | (32.11%) | (31.56%) | (68.23%) | 82.98% | 98.88% | 52.52% | |
| (8.77%) | (11.61%) | (14.25%) | (18.61%) | (20.63%) | (19.68%) | (47.66%) | (258.05%) | (30.88%) | |
ROIC |
(34.10%) | (43.78%) | (31.75%) | (31.75%) | (20.35%) | 0.00% | (246.12%) | 0.00% | 0.00% |
Return on Tangible Assets |
124.91% | 354.74% | 506.20% | (761.64%) | (175.75%) | (24.20%) | (43.24%) | (5,290.00%) | 0.00% |
Average Days of Receivables |
274.88 | 326.94 | 306.06 | 478.32 | 616.29 | 522.37 | 403.51 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
49.36% | 55.23% | 53.79% | 101.52% | 166.82% | 134.22% | 163.45% | 226.67% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.02 | 0.03 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
8.31% | 12.25% | 13.94% | 23.10% | 34.35% | 11.23% | 6.39% | 9.33% | 0.00% |
Graham Net Nets |
(0.08) | (0.15) | (0.25) | (0.23) | (0.01) | 0.10 | 0.25 | 0.25 | 0.25 |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
(3.18%) | (7.77%) | (20.01%) | (33.58%) | (9.33%) | (4.98%) | (14.12%) | (14.12%) | (14.12%) |
Free Cash Flow Yield |
(0.49%) | (0.80%) | (10.81%) | (19.42%) | (5.97%) | (2.33%) | (9.56%) | (9.56%) | (9.56%) |
Revenue per Share |
9.98 | 7.41 | 6.17 | 3.95 | 2.10 | 2.80 | 6.05 | 2.06 | 0.04 |
Operating CF per Share |
(0.22) | (0.16) | (1.71) | (2.51) | (2.36) | (2.72) | (7.02) | (3.73) | (0.34) |
Capex per Share |
(0.13) | (0.13) | (0.13) | (0.16) | (0.15) | (0.13) | (0.24) | (0.06) | 0.00 |
Free Cash Flow per Share |
(0.35) | (0.29) | (1.84) | (2.67) | (2.52) | (2.86) | (7.26) | (3.80) | (0.34) |
Cash per Share |
5.37 | 5.43 | 3.90 | 4.41 | 4.42 | 16.98 | 24.30 | 0.00 | 0.00 |
Shareholders Equity per Share |
7.22 | 8.36 | 10.18 | 13.35 | 16.14 | 16.07 | 26.76 | 0.00 | 0.57 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
7.22 | 8.36 | 10.18 | 13.35 | 16.14 | 16.07 | 26.76 | 0.00 | 0.57 |
Free Cash Flow |
(25.90) | (20.80) | (128.30) | (173.10) | (154.00) | (96.10) | (80.80) | (41.50) | (19.10) |
Working Capital |
(148.30) | (73.10) | (64.20) | 19.50 | 125.60 | 499.60 | 247.80 | — | — |
Capital Expenditures |
(9.40) | (9.40) | (9.20) | (10.10) | (9.40) | (4.40) | (2.70) | (0.70) | (0.30) |
Net Current Asset Value |
(439.60) | (398.40) | (292.50) | (201.00) | (34.90) | 418.80 | 228.10 | 0.00 | (9.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.04 | 0.07 | 0.05 | 0.04 | 0.03 | 0.00 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.59 | 0.86 | 1.00 | 0.96 | (0.04) | 0.23 | 0.03 | 0.10 | 0.00 |
Cash ROIC |
(2.38%) | (1.96%) | (12.89%) | (15.01%) | (12.23%) | (8.64%) | (14.23%) | 0.00% | (59.69%) |
Accounts Receivable Turnover |
1.44 | 1.27 | 1.23 | 0.93 | 0.73 | 0.90 | 0.64 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.39 | 0.36 | 0.44 | 0.35 | 0.25 | 0.36 | 0.30 | 0.00 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
991.60 | 1,116.08 | 886.73 | 1,316.44 | 1,836.68 | 1,380.59 | 772.24 | 0.00 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Receivables |
513.65 | 416.00 | 348.40 | 276.60 | 175.95 | 104.75 | 104.75 | — | — |
Average Payables |
894.85 | 764.10 | 642.30 | 482.60 | 284.35 | 151.90 | 151.90 | — | — |
Average Assets |
1,887.40 | 1,741.20 | 1,662.00 | 1,600.60 | 1,169.60 | 621.50 | 227.65 | 20.50 | 91.00 |
Average Common Equity |
563.50 | 651.15 | 787.85 | 927.50 | 764.60 | 179.25 | (130.75) | (53.50) | (53.50) |
Columns are period end dates