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Lemonade, Inc.

  • Market Cap: Small Cap
  • Industry: Insurance
  • ISIN: US52567D1072
USD
76.80
3.21 (4.36%)

Dec 04

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Palomar Holdings, Inc.
Horace Mann Educators Corp.
Mercury General Corp.
SiriusPoint Ltd.
NMI Holdings, Inc.
Safety Insurance Group, Inc.
AMERISAFE, Inc.
Kemper Corp.
ProAssurance Corp.
Lemonade, Inc.
Employers Holdings, Inc.
Why is Lemonade, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 0%
  • Poor long term growth as Operating profit has grown by an annual rate of 0%
2
Flat results in Jun 25
  • INTEREST COVERAGE RATIO(Q) Lowest at 117.5
  • INTEREST(Q) Highest at USD 4 MM
3
Risky -
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of 63.24%, its profits have risen by 0.5%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Lemonade, Inc. for you?

High Risk, High Return

Absolute
Risk Adjusted
Volatility
Lemonade, Inc.
66.52%
4.18
87.41%
S&P 500
13.22%
0.64
20.20%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
37.91%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
1.27%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
67.44%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
5.36
EV to EBIT
NA
EV to EBITDA
121.72
EV to Capital Employed
-818.43
EV to Sales
5.14
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-39.84%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company
OPERATING CASH FLOW(Y)

Highest at USD -11.6 MM

NET PROFIT(HY)

Higher at USD -106.3 MM

DEBT-EQUITY RATIO (HY)

Lowest at -45.97 %

NET SALES(Q)

Highest at USD 133.7 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

OPERATING PROFIT MARGIN(Q)

Highest at -28.87 %

-14What is not working for the Company
INTEREST COVERAGE RATIO(Q)

Lowest at 117.5

INTEREST(Q)

Highest at USD 4 MM

Here's what is working for Lemonade, Inc.
Operating Cash Flow
Highest at USD -11.6 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales
Highest at USD 133.7 MM and Grown
In each period in the last five periods
MOJO Watch
Near term sales trend is very positive

Net Sales (USD MM)

Net Profit
Higher at USD -106.3 MM
than preceding 12 month period ended Jun 2025
MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (USD MM)

Debt-Equity Ratio
Lowest at -45.97 % and Grown
In each half year in the last five Semi-Annual periods
MOJO Watch
The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Operating Profit Margin
Highest at -28.87 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Lemonade, Inc.
Interest Coverage Ratio
Lowest at 117.5 and Fallen
In each period in the last five periods
MOJO Watch
The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Interest
At USD 4 MM has Grown at 21.21%
period on period (QoQ)
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Interest
Highest at USD 4 MM
in the last five periods and Increased by 21.21% (QoQ)
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

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