Lemonade Financials

LMND Stock  USD 49.16  0.77  1.54%   
Based on the measurements of operating efficiency obtained from Lemonade's historical financial statements, Lemonade may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Lemonade's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Net Tangible Assets is expected to grow to about 984.5 M, whereas Total Stockholder Equity is forecasted to decline to about 451.8 M. Key indicators impacting Lemonade's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.01680.0189
Fairly Down
Slightly volatile
Current Ratio1.251.3146
Notably Down
Pretty Stable
The financial analysis of Lemonade is a critical element in measuring its lifeblood. Investors should not minimize Lemonade's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(248.75 Million)

  
Understanding current and past Lemonade Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Lemonade's financial statements are interrelated, with each one affecting the others. For example, an increase in Lemonade's assets may result in an increase in income on the income statement.
Please note, the presentation of Lemonade's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Lemonade's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Lemonade's management manipulating its earnings.

Lemonade Stock Summary

Lemonade competes with Argo Group, Donegal Group, and Selective Insurance. Lemonade, Inc. provides various insurance products in the United States and Europe. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York. Lemonade operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 1119 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS52567D1072
CUSIP52567D107
LocationNew York; U.S.A
Business Address5 Crosby Street,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.lemonade.com
Phone844 733 8666
CurrencyUSD - US Dollar

Lemonade Key Financial Ratios

Lemonade Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets414.3M828.7M1.5B1.7B1.3B933.0M
Other Current Liab(4.6M)(18.1M)(29.8M)(19.5M)145.3M152.6M
Other Liab28.8M48.2M155.3M85.3M98.1M61.1M
Net Tangible Assets(183.1M)540.4M987.6M815.3M937.6M984.5M
Net Debt(270M)(570.8M)(248.3M)(247.3M)(228.4M)(239.8M)
Retained Earnings(198.3M)(320.6M)(561.9M)(859.7M)(1.1B)(1.0B)
Accounts Payable4.6M14.4M19.7M19.5M23.8M13.8M
Cash270M570.8M270.6M282.5M271.5M280.4M
Other Assets(55.3M)97.9M(629.2M)1.1B1.00.95
Net Receivables74.7M140.5M231.3M362.4M381.3M193.9M
Capital Surpluse15.7M859.8M1.6B1.8B2.0B2.1B
Other Current Assets382M663.8M595.1M833.6M821.2M544.8M
Total Liab4.6M287.7M522.3M823.9M589.7M388.1M
Total Current Assets405.3M717.9M1.3B565.9M821.2M628.4M
Inventory(382M)(663.8M)(595.1M)(1.7B)(1.3B)(1.3B)
Net Invested Capital(182.5M)541M988.2M866.8M723.8M524.0M

Lemonade Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision600K1.5M7.7M3M7.1M7.5M
Total Revenue67.3M94.4M128.4M256.7M429.8M451.3M
Gross Profit67.3M94.4M128.4M256.7M429.8M451.3M
Operating Income(107.9M)(66.1M)(161.7M)(119.1M)57.3M60.2M
Ebit(107.9M)(66.1M)(161.7M)(119.1M)57.3M60.2M
Ebitda(107.3M)(64.4M)(158M)(106.9M)77.3M81.2M
Income Before Tax(107.9M)(120.8M)(233.6M)(294.8M)(229.8M)(241.3M)
Net Income(108.5M)(122.3M)(241.3M)(297.8M)(236.9M)(248.7M)
Income Tax Expense600K1.5M7.7M3M7.1M7.5M

Lemonade Key Cash Accounts

201920202021202220232024 (projected)
Investments(54M)50.1M(795.4M)92.4M88.7M93.1M
Change In Cash167.9M301.1M(300.8M)15.9M(15M)(14.3M)
Free Cash Flow(81.4M)(96.1M)(154M)(173.1M)(128.3M)(134.7M)
Depreciation600K1.7M3.7M12.2M20M21M
Other Non Cash Items900K14.4M6.2M15.4M109.1M114.6M
Capital Expenditures3.3M4.4M9.4M10.1M9.2M5.9M
Net Income(108.5M)(122.3M)(241.3M)(297.8M)(236.9M)(248.7M)
End Period Cash Flow270.3M571.4M270.6M286.5M271.5M281.2M
Change To Netincome4.7M24.7M46.1M68M78.2M82.1M
Change To Inventory64.7M68.1M121.2M54.8M63.0M76.5M

Lemonade Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Lemonade's current stock value. Our valuation model uses many indicators to compare Lemonade value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Lemonade competition to find correlations between indicators driving Lemonade's intrinsic value. More Info.
Lemonade is currently regarded as number one stock in return on equity category among its peers. It also is currently regarded as number one stock in return on asset category among its peers . At present, Lemonade's Return On Equity is projected to increase slightly based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Lemonade by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Lemonade Systematic Risk

Lemonade's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Lemonade volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was four with a total number of output elements of fifty-seven. The Beta measures systematic risk based on how returns on Lemonade correlated with the market. If Beta is less than 0 Lemonade generally moves in the opposite direction as compared to the market. If Lemonade Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Lemonade is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Lemonade is generally in the same direction as the market. If Beta > 1 Lemonade moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Lemonade Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Lemonade's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Lemonade growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.19

At present, Lemonade's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Lemonade November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Lemonade help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Lemonade. We use our internally-developed statistical techniques to arrive at the intrinsic value of Lemonade based on widely used predictive technical indicators. In general, we focus on analyzing Lemonade Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Lemonade's daily price indicators and compare them against related drivers.

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When running Lemonade's price analysis, check to measure Lemonade's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Lemonade is operating at the current time. Most of Lemonade's value examination focuses on studying past and present price action to predict the probability of Lemonade's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Lemonade's price. Additionally, you may evaluate how the addition of Lemonade to your portfolios can decrease your overall portfolio volatility.
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