Lemonade, Inc.
LMNDFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframePart of the financial services sector, Lemonade, Inc. (LMND) is listed under Insurance - Property & Casualty. The $4.51B market capitalization puts LMND squarely in mid-cap range for its industry. The company provides renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products.
Market Cap
$4.51B
Beta
1.85
P/E (TTM)
—
P/E (Fwd)
-156.59
EPS (TTM)
$-2.11
EPS (Fwd)
$-0.38
ROE
-26.1%
ROA
-3.5%
Cash
$393.8M
Total Debt
$200.4M
Free CF
$90.9M
52W Change
67.3%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $393.8M in cash comfortably exceeding the $200.4M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $90.9M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at -26.1%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Revenue has grown from $128.4M (2021) to $737.9M (2025), reflecting a 475% increase over the period.
Lemonade, Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing LMND.