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About the company
Lemonade, Inc. offers renters, homeowners, car, pet, and life insurance. The Company's full stack insurance carriers, powered by artificial intelligence, in the United States and the European Union replace brokers and bureaucracy with bots and machine learning. The Company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, collecting and deploying data. Its technology includes Data Advantage, AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper. AI Maya, its onboarding and customer experience bot, uses natural language to guide customers in joining the Company. AI Jim, its claims bot, takes the first notice of loss from its customer making a claim, paying the claimant or declining the claim without human intervention. It offers pet insurance that covers diagnostics, procedures, medication, accidents or illness. Even its basic pet insurance offering covers blood tests, urinalysis, lab work, and computed tomography scans.
- Revenue in USD (TTM)493.20m
- Net income in USD-214.60m
- Incorporated2015
- Employees1.26k
- LocationLemonade Inc5 CROSBY STREET, 3RD FLOORNEW YORK 10013United StatesUSA
- Phone+1 (844) 733-8666
- Websitehttps://www.lemonade.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bowhead Specialty Holdings Inc | -100.00bn | -100.00bn | 1.07bn | 216.00 | -- | 3.15 | -- | -- | -- | -- | -- | 10.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.00 | -- | 51.06 | -- | 122.52 | -- | -- | -- |
| International General Insuranc Hldgs Ltd | 530.87m | 134.40m | 1.09bn | -- | 7.82 | 1.65 | -- | 2.06 | 3.04 | 3.04 | 12.01 | 14.37 | 0.2826 | -- | -- | 1,323,853.00 | 7.36 | 4.56 | -- | -- | -- | -- | 26.03 | 17.18 | -- | -- | 0.00 | 11.44 | 24.54 | 20.58 | 31.50 | 34.08 | 23.16 | -- |
| Amerisafe, Inc. | 301.42m | 61.42m | 1.12bn | 350.00 | 18.44 | 3.58 | 17.95 | 3.73 | 3.20 | 3.20 | 15.71 | 16.50 | 0.2363 | -- | -- | 861,197.10 | 4.81 | 5.18 | -- | -- | -- | -- | 20.38 | 22.49 | -- | -- | 0.00 | 129.34 | 0.9233 | -4.15 | 11.70 | -2.81 | -13.26 | 9.10 |
| Root Inc | 1.04bn | -15.70m | 1.24bn | 680.00 | -- | 6.76 | 951.65 | 1.18 | -1.28 | -1.28 | 68.72 | 19.59 | 0.7456 | -- | -- | 1,536,177.00 | -1.08 | -27.29 | -- | -- | -- | -- | -1.46 | -92.19 | -- | 0.7355 | 0.4995 | -- | 46.40 | 60.07 | 50.49 | -- | 21.85 | -- |
| HCI Group Inc | 702.22m | 148.06m | 1.24bn | 547.00 | 9.57 | 2.78 | 7.00 | 1.77 | 12.40 | 12.40 | 58.75 | 42.72 | 0.386 | -- | -- | 1,283,759.00 | 9.38 | 1.59 | -- | -- | -- | -- | 24.30 | 4.88 | -- | 32.22 | 0.339 | 90.99 | 8.04 | 18.80 | 238.80 | 32.88 | 24.35 | 1.64 |
| Safety Insurance Group Inc | 1.01bn | 50.70m | 1.28bn | 539.00 | 25.04 | 1.58 | 21.66 | 1.27 | 3.45 | 3.45 | 68.78 | 54.61 | 0.4838 | -- | -- | 1,875,221.00 | 2.44 | 4.28 | -- | -- | -- | -- | 5.04 | 10.14 | -- | -- | 0.0357 | 61.50 | 10.73 | 2.05 | -59.47 | -25.65 | -30.73 | 2.38 |
| Employers Holdings Inc | 889.80m | 135.90m | 1.32bn | 717.00 | 9.99 | 1.21 | 8.55 | 1.48 | 5.34 | 5.34 | 35.01 | 44.20 | 0.2491 | -- | -- | 1,241,004.00 | 3.80 | 2.94 | -- | -- | -- | -- | 15.27 | 14.75 | -- | 284.50 | 0.00009 | 37.16 | 19.26 | 1.23 | 144.01 | -3.47 | -26.42 | 6.58 |
| Horace Mann Educators Corporation | 1.58bn | 104.10m | 1.66bn | 1.70k | 16.23 | 1.29 | 12.77 | 1.05 | 2.51 | 2.51 | 38.13 | 31.60 | 0.1125 | -- | -- | 930,235.30 | 0.7402 | 0.8313 | -- | -- | -- | -- | 6.58 | 7.86 | -- | 9.94 | 0.2981 | 47.37 | 4.60 | 4.56 | 127.27 | 19.66 | -- | 2.98 |
| Skyward Specialty Insurance Group Inc | 1.07bn | 133.50m | 1.95bn | 515.00 | 14.86 | 2.44 | 14.38 | 1.82 | 3.26 | 3.26 | 26.21 | 19.89 | 0.3322 | -- | -- | 2,080,085.00 | 4.15 | -- | -- | -- | -- | -- | 12.48 | -- | -- | -- | 0.1298 | -- | 37.75 | -- | 310.91 | -- | -- | -- |
| Stewart Information Services Corp | 2.40bn | 59.38m | 2.01bn | 6.80k | 34.21 | 1.43 | 14.78 | 0.8375 | 2.12 | 2.12 | 85.56 | 50.77 | 0.8874 | -- | -- | 352,274.80 | 2.74 | 7.41 | -- | -- | -- | -- | 3.09 | 6.43 | -- | 12.44 | 0.2396 | 25.74 | -26.45 | 3.42 | -81.25 | -8.52 | 28.77 | 9.04 |
| Lemonade Inc | 493.20m | -214.60m | 2.03bn | 1.26k | -- | 3.42 | -- | 4.12 | -3.04 | -3.04 | 6.99 | 8.31 | 0.2842 | -- | -- | 392,050.90 | -12.37 | -18.86 | -- | -- | -- | -- | -43.51 | -103.09 | -- | -- | 0.1021 | -- | 67.43 | 80.39 | 20.45 | -- | 67.39 | -- |
| Fidelis Insurance Holdings Ltd | 2.15bn | 450.90m | 2.15bn | 77.00 | 4.86 | 0.8347 | 6.81 | 1.00 | 3.82 | 3.82 | 18.24 | 22.25 | 0.1973 | -- | -- | 27,940,260.00 | 4.14 | -- | -- | -- | -- | -- | 20.96 | -- | -- | 34.68 | 0.1670 | -- | 132.10 | -- | 3,954.18 | -- | -- | -- |
| Palomar Holdings Inc | 496.26m | 108.50m | 2.65bn | 213.00 | 23.74 | 3.76 | -- | 5.34 | 4.22 | 4.22 | 19.30 | 26.59 | 0.2543 | -- | -- | 2,329,855.00 | 5.56 | 4.51 | -- | -- | -- | -- | 21.86 | 15.84 | -- | -- | 0.00 | 2.62 | 14.93 | 38.80 | 51.81 | 34.17 | 105.92 | -- |
| NMI Holdings Inc | 635.85m | 357.35m | 2.94bn | 229.00 | 8.49 | 1.34 | 7.97 | 4.63 | 4.37 | 4.37 | 7.77 | 27.67 | 0.2091 | -- | -- | 2,671,626.00 | 11.75 | 11.31 | -- | -- | -- | -- | 56.20 | 49.58 | -- | 13.09 | 0.1589 | 0.00 | 10.64 | 16.05 | 9.97 | 24.44 | 3.06 | -- |
Data as of Nov 11 2024. Currency figures normalised to Lemonade Inc's reporting currency: US Dollar USD
26.58%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 30 Jun 2024 | 5.17m | 7.28% |
| Baillie Gifford & Co.as of 30 Sep 2024 | 3.73m | 5.25% |
| BlackRock Fund Advisorsas of 30 Jun 2024 | 3.61m | 5.08% |
| Geode Capital Management LLCas of 30 Jun 2024 | 1.27m | 1.79% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 1.22m | 1.72% |
| D. E. Shaw & Co. LPas of 30 Jun 2024 | 989.58k | 1.39% |
| Marshall Wace LLPas of 30 Jun 2024 | 859.46k | 1.21% |
| Halter Ferguson Financial, Inc.as of 30 Jun 2024 | 744.13k | 1.05% |
| Legal & General Investment Management Ltd.as of 30 Jun 2024 | 652.35k | 0.92% |
| Susquehanna Financial Group LLLPas of 30 Jun 2024 | 641.38k | 0.90% |
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Data from 30 Jun 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
