LMND
Lemonade·NYSE
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LMND fundamentals
Lemonade (LMND) released its earnings on Nov 5, 2025: revenue was 194.50M (YoY +42.39%), beat estimates; EPS was -0.51 (YoY +46.32%), beat estimates.
Revenue / YoY
194.50M
+42.39%
EPS / YoY
-0.51
+46.32%
Report date
Nov 5, 2025
LMND Earnings Call Summary for Q3,2025
- Revenue Surge: 42% YoY revenue growth to $195M, driven by 30% IFP expansion and 50%+ cross-sell of car insurance to existing customers.
- Profitability Leap: Gross profit doubled to $80M, gross margin hit 41%, and loss ratio improved to 62% (down 11 points YoY).
- AI Efficiency: 7% LAE ratio vs. industry 9%, claims handled 3x faster with AI. European business grew 170% YoY, with U.K. renters leading at 50%+ retention.
- Cash Flow Strength: Positive free cash flow ($18M) and adjusted EBITDA loss narrowing to $26M (50% YoY improvement).
- Strategic Reinsurance: Ceding rate dropping to 20% by mid-2026, enabling margin retention and 30%+ top-line growth.
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Key Indicators
Lemonade (LMND) key financial stats and ratios, covering profitability, financial health, and leverage.
Lemonade (LMND)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Lemonade (LMND)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Lemonade (LMND)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Lemonade (LMND) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Lemonade (LMND) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is Lemonade's gross profit margin?What factors drove the changes in Lemonade's revenue and profit?What were the key takeaways from Lemonade’s earnings call?What were the key takeaways from Lemonade's earnings call?What is Lemonade's latest dividend and current dividend yield?Did Lemonade beat or miss consensus estimates last quarter?What guidance did Lemonade's management provide for the next earnings period?What is the revenue and EPS growth rate for Lemonade year over year?
