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About the company
Lemonade, Inc. offers renters, homeowners, car, pet, and life insurance. The Company operates through the United States, Europe, including the United Kingdom, providing insurance products to customers through various sales channels. The Company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, collecting, and deploying data. Its technology includes Data Advantage, AI Maya, AI Jim, CX.AI, Forensic Graph, Blender, and Cooper. AI Maya, its onboarding and customer experience bot, uses natural language to guide customers in joining the Company. AI Jim, its claims bot, takes the first notice of loss from its customer without human intervention. It offers pet insurance that covers diagnostics, procedures, medication, accidents or illness. Even its basic pet insurance offering covers blood tests, urinalysis, lab work, and computed tomography scans.
- Revenue in USD (TTM)658.60m
- Net income in USD-173.80m
- Incorporated2015
- Employees1.24k
- LocationLemonade Inc5 CROSBY STREET, 3RD FLOORNEW YORK 10013United StatesUSA
- Phone+1 (844) 733-8666
- Websitehttps://www.lemonade.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NMI Holdings Inc | 706.44m | 388.93m | 3.01bn | 225.00 | 8.06 | 1.17 | 7.53 | 4.27 | 4.92 | 4.92 | 8.94 | 33.98 | 0.1965 | -- | -- | 3,139,733.00 | 10.82 | 11.19 | -- | -- | -- | -- | 55.05 | 54.17 | -- | 18.55 | 0.1386 | 0.00 | 8.52 | 10.27 | 8.00 | 17.78 | -11.02 | -- |
| Palomar Holdings Inc | 866.19m | 197.07m | 3.50bn | 253.00 | 18.40 | 3.72 | -- | 4.04 | 7.18 | 7.18 | 31.56 | 35.54 | 0.326 | -- | -- | -- | 7.42 | 6.08 | -- | -- | -- | -- | 22.75 | 20.72 | -- | -- | -- | -- | 60.14 | 39.06 | 67.62 | 99.37 | -- | -- |
| Assured Guaranty Ltd. | 814.00m | 403.00m | 3.98bn | 361.00 | 10.65 | 0.7128 | -- | 4.89 | 8.11 | 8.11 | 16.30 | 121.13 | 0.0667 | -- | -- | 2,254,848.00 | 3.50 | 2.73 | -- | -- | -- | -- | 52.46 | 54.29 | -- | -- | 0.2288 | 16.79 | -11.02 | -5.36 | -49.12 | -1.33 | -- | 10.94 |
| Hagerty Inc | 1.36bn | 33.35m | 4.13bn | 1.73k | 31.86 | 19.49 | 26.44 | 3.03 | 0.3785 | 0.3785 | 6.21 | 0.8666 | 0.6852 | -- | -- | 784,776.10 | 6.50 | 1.05 | -- | -- | -- | -- | 9.49 | 1.43 | -- | 285.17 | 0.1989 | 0.00 | 19.98 | 24.74 | -43.96 | 16.17 | 16.80 | -- |
| Radian Group Inc | 1.25bn | 587.45m | 4.45bn | 1.00k | 8.04 | 0.9557 | 7.34 | 3.54 | 4.08 | 4.00 | 8.70 | 34.34 | 0.1509 | -- | -- | 1,254,678.00 | 7.07 | 7.71 | -- | -- | -- | -- | 46.82 | 45.37 | -- | 9.83 | 0.1951 | 21.71 | 4.01 | -3.31 | 0.219 | -2.11 | -35.13 | 150.18 |
| Lemonade Inc | 658.60m | -173.80m | 4.76bn | 1.24k | -- | 9.22 | -- | 7.23 | -2.38 | -2.38 | 9.01 | 6.91 | 0.352 | -- | -- | 533,279.40 | -9.29 | -16.20 | -- | -- | -- | -- | -26.39 | -76.65 | -- | -- | 0.2122 | -- | 22.50 | 50.90 | 14.65 | -- | 23.29 | -- |
| Mercury General Corp | 5.82bn | 439.62m | 5.18bn | 4.20k | 11.78 | 2.32 | 10.09 | 0.8891 | 7.94 | 7.94 | 105.13 | 40.30 | 0.6645 | -- | -- | 1,386,397.00 | 5.02 | 1.99 | -- | -- | -- | -- | 7.55 | 3.13 | -- | 51.15 | 0.2047 | 78.02 | 18.27 | 6.63 | 385.75 | 7.89 | 2.85 | -12.76 |
| Selective Insurance Group Inc | 5.32bn | 457.21m | 5.19bn | 2.80k | 11.53 | 1.52 | 10.60 | 0.9751 | 7.49 | 7.49 | 87.20 | 60.07 | 0.3715 | -- | -- | 1,901,690.00 | 3.25 | 2.83 | -- | -- | -- | -- | 8.76 | 7.80 | -- | 43.88 | 0.1999 | 24.18 | 9.48 | 12.65 | 131.13 | 13.16 | 11.92 | 6.36 |
| White Mountains Insurance Group Ltd | -100.00bn | -100.00bn | 5.43bn | 893.00 | -- | 1.00 | -- | -- | -- | -- | -- | 2,187.93 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.118 | -- | -- | -- | -- | -- | -- | -- |
| RLI Corp | 1.88bn | 403.34m | 5.66bn | 1.15k | 14.11 | 3.18 | -- | 3.01 | 4.37 | 4.37 | 20.37 | 19.35 | 0.3193 | -- | -- | -- | 6.84 | 7.62 | -- | -- | -- | -- | 21.43 | 23.83 | -- | 55.51 | 0.0532 | 9.70 | 6.33 | 13.86 | 16.65 | 20.75 | -- | 21.80 |
| MGIC Investment Corp | 1.21bn | 738.35m | 5.85bn | 555.00 | 8.49 | 1.14 | 10.17 | 4.82 | 3.14 | 3.14 | 5.16 | 23.47 | 0.1841 | -- | -- | -- | 11.20 | 11.05 | -- | -- | -- | -- | 60.84 | 62.59 | -- | 27.23 | 0.1115 | 15.00 | 0.4889 | 0.2405 | -3.23 | 10.60 | -- | 18.47 |
| Essent Group Ltd | 1.26bn | 689.97m | 5.86bn | 510.00 | 8.91 | 1.02 | 10.88 | 4.65 | 6.89 | 6.89 | 12.60 | 60.31 | 0.1733 | -- | -- | -- | 9.48 | 11.59 | -- | -- | -- | -- | 54.72 | 64.31 | -- | 26.14 | 0.0792 | 14.10 | 1.45 | 5.71 | -5.41 | 10.81 | -- | 14.14 |
| Hanover Insurance Group Inc | 6.58bn | 660.70m | 6.08bn | 4.90k | 9.47 | 1.71 | -- | 0.9245 | 18.13 | 18.18 | 180.49 | 100.37 | 0.4084 | -- | -- | -- | 4.10 | 2.26 | -- | -- | -- | -- | 10.04 | 5.62 | -- | 88.38 | 0.2544 | 35.09 | 5.61 | 6.33 | 55.35 | 12.79 | -- | 6.61 |
| Enact Holdings Inc | 1.24bn | 674.24m | 6.25bn | 421.00 | 9.58 | 1.17 | -- | 5.06 | 4.52 | 4.52 | 8.28 | 37.09 | 0.1843 | -- | -- | -- | 10.05 | 10.73 | -- | -- | -- | -- | 54.56 | 56.49 | -- | 18.38 | 0.122 | -- | 2.83 | 2.20 | -2.01 | 12.73 | -- | -- |
| First American Financial Corp | 7.52bn | 621.80m | 6.85bn | 19.04k | 11.18 | -- | 8.14 | 0.9108 | 6.01 | 6.01 | 72.61 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 8.31 | 6.76 | -- | 4.67 | -- | -- | 21.00 | 1.01 | 374.29 | -2.24 | -- | 4.14 |
Data as of Feb 13 2026. Currency figures normalised to Lemonade Inc's reporting currency: US Dollar USD
31.99%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2025 | 5.77m | 7.73% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 4.20m | 5.62% |
| Baillie Gifford & Co.as of 31 Dec 2025 | 2.87m | 3.84% |
| JPMorgan Investment Management, Inc.as of 31 Dec 2025 | 2.26m | 3.02% |
| BIT Capital GmbHas of 31 Dec 2025 | 1.83m | 2.44% |
| D. E. Shaw & Co. LPas of 30 Sep 2025 | 1.82m | 2.43% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 1.50m | 2.00% |
| Geode Capital Management LLCas of 31 Dec 2025 | 1.44m | 1.93% |
| JPMorgan Securities LLC (Investment Management)as of 31 Dec 2025 | 1.18m | 1.58% |
| Morgan Stanley & Co. LLCas of 31 Dec 2025 | 1.05m | 1.40% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
