Lemonade, Inc.

  • Moat Score
  • Market Cap $2.16B
  • PE -11
  • Debt -
  • Cash $385.70M
  • EV -
  • FCF -$20.80M

Earnings

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Sales & Net Margins

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Earnings-$202.20M
EBIT-$203.90M
ROE-34%
ROA-11%
FCF-$20.80M
Equity$593.40M
Growth Stability1
PE-10.66
PB3.63
P/FCF-103.61
P/S4.09
Price/Cash0.18
Net Margins-38%
Op. Margins-39%
Sales Growth YoY29%
Sales Growth QoQ9%
Sales CAGR57%
Equity CAGR-6%
Earnings Growth YoY-29%
Earnings Growth QoQ-56%
Sales CAGR 5Y60%
Equity CAGR 5Y-7%
Earnings CAGR 3Y59%
Sales CAGR 3Y59%
Equity CAGR 3Y-16%
Market Cap$2.16B
Revenue$526.50M
Assets$1.85B
Cash$385.70M
Shares Outstanding70.95M
Moat Score3%
Shares Growth 3y6%
Equity Growth QoQ0%
Equity Growth YoY-16%

Assets & ROA

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Stockholders Equity & ROE

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Lemonade Inc operates in the insurance industry. The company offers digital and artificial intelligence based platform for various insurances and for settling claims and paying premiums. The platform ensures transparency in issuing policies and settling disputes.

SEC Filings

Direct access to Lemonade, Inc. (LMND) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Lemonade, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Lemonade, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Lemonade, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Lemonade, Inc..

= -$208M
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fcf-$21M-$21M-$21M-$21M-$21M-$21M-$21M-$21M-$21M-$21M-$21M-$208M
DCF-$19M-$17M-$16M-$14M-$13M-$12M-$11M-$9.7M-$8.8M-$8M-$80M
Value-$208M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins-235%-161%-130%-188%-116%-55%-38%-38%
ROA--26%-15%-15%-17%-14%-11%-11%
ROE-59%-23%-24%-34%-33%-34%-34%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF--------
Debt over Equity--------
Growth Stability-------1

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-199%40%36%100%67%22%60%
Earnings YoY growth-105%13%97%23%-20%-15%-
Equity YoY growth-131%-396%83%-12%-18%-16%-7%
FCF YoY growth-95%19%60%12%-26%-84%-