Lemonade is a high-potential, tech-enabled insurance company showing strong growth in in-force premiums [IFP] and profitability. The company is expanding through Lemonade Car and European markets, both driving improved loss ratios and substantial cross-sell opportunities. The company is reducing its reinsurance share from 55% to 20%, allowing greater upside capture as its book of business scales.
Lemonade, Inc.'s in-force premiums surpassed $1.07 billion in Q2 2025, with 2.6 million active users across U.S. and Europe. Gross loss ratio improved to 67% in Q2 2025, down from 79% a year earlier, signaling underwriting progress. Pet insurance premiums reached $350 million, with only 4% U.S. penetration versus 25% in the U.K. market.
Does Lemonade (LMND) have what it takes to be a top stock pick for momentum investors? Let's find out.
Lemonade's in-force premium rose 29% year-over-year to $1.08 billion, marking the seventh straight quarter of accelerating growth. Gross loss ratio improved 12 points to 67%, enabling a quota-share reduction from 55% to 20% during renewal. European premiums surged over 200% to $43 million, contributing more than 20% of net new customer additions.
LMND's second-quarter results reflect higher in-force premiums, improved underwriting results, and net investment income, offset by escalating expenses.
Lemonade (LMND) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, LMND broke through the 20-day moving average, which suggests a short-term bullish trend.
After reaching an important support level, Lemonade (LMND) could be a good stock pick from a technical perspective. LMND surpassed resistance at the 50-day moving average, suggesting a short-term bullish trend.
Lemonade, Inc. (NYSE:LMND ) Q2 2025 Earnings Conference Call August 5, 2025 8:00 AM ET Company Participants Daniel Asher Schreiber - CO-Founder, Chairman & CEO Nicholas Stead - Corporate Participant Shai Wininger Gavish - Co-Founder, President & Director Timothy E. Bixby - CFO, Principal Accounting Officer & Treasurer Conference Call Participants Andrew E.
Although the revenue and EPS for Lemonade (LMND) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Lemonade (LMND) came out with a quarterly loss of $0.6 per share versus the Zacks Consensus Estimate of a loss of $0.81. This compares to a loss of $0.81 per share a year ago.
Lemonade is an insurtech company automating policies and claims with AI, enabling advantages in scalability and efficiency. Loss ratios have improved materially, now more in line with industry averages, marking a key inflection point in underwriting performance. In Force Premiums are growing at 21% CAGR, while non-growth OpEx remains flat, highlighting strong operating leverage.
Why investors should use the Zacks Earnings ESP tool to help find stocks that are poised to top quarterly earnings estimates.