Lemonade (LMND) Q1 2025 Earnings Call May 06, 2025 08:00 AM ET Speaker0 Hello, and welcome everyone to the Lemonade Q1 '20 '20 '5 Earnings Call. My name is Maxine, and I'll be coordinating the call today. I will now hand over to the Lemonade team to begin. Please go ahead. Speaker1 Good morning, and welcome to Lemonade's first quarter twenty twenty five earnings call. Joining us on our call today, we have Daniel Schreiber, CEO and Co Founder Michal Langer, Chief Product Officer and Leader of our Car busines ...

Lemonade Shareholder Letter Q1 2025 $1,008M 127% $396 14% 2,545,496 121% TOTAL CUSTOMERS IN FORCE PREMIUM (IFP) PREMIUM PER CUSTOMER KEY METRICS ($s in m) IN FORCE PREMIUM ($s in m) ADJUSTED EBITDA NET LOSS GEP @ NET LOSS/GEP $1,008 $234 $188 $154 $794 (27%) ($34) (25%) $653 (43%) ($47) ($47) ($51) ($62) ($66) Q123 Q1 25 Q1 25 Q124 Q1 23 Q124 ADJUSTED GROSS PROFIT ($s in m) ADJUSTED GP GAAP GP & ADJUSTED GP / GEP ADJUSTED FREE CASH FLOW ($s in m) ADJUSTED FREE CASH FLOW CASH FLOW FROM OPERATING ACTIVITIES $ ...

Bert Hochfeld graduated with a degree in economics from the University of Pennsylvania and received an MBA from Harvard. Mr. Hochfeld has enjoyed a long career in the tech world, working for IBM, Memorex/Telex, Raytheon Data Systems, and BMC Software. Starting in the 1990s, Mr. Hochfeld worked as a sell-side analyst and won awards from the Wall Street Journal for his coverage of the software space. In 2001, Mr. Hochfeld formed his own independent research company, Hochfeld Independent Research Group, which ...

Wall Street analysts forecast that Lemonade (LMND) will report quarterly loss of $0.94 per share in its upcoming release, pointing to a year-over-year decline of 40.3%. It is anticipated that revenues will amount to $143.93 million, exhibiting an increase of 20.9% compared to the year-ago quarter.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projecti ...

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Lemonade TodayLMNDLemonade$26.82 -0.08 (-0.28%) 52-Week Range$14.03▼$53.85Price Target$28.00Add to WatchlistAmid the tariff-induced market volatility, some stocks in the finance sector are directly untouchable by tariffs. Artificial intelligence (AI) powered digital insurance fintech Lemonade Inc. NYSE: LMND stands out as one of them with its disruptive model, solid growth metrics and technological edge. The company leverages sophisticated AI models and machine learning (ML) algorithms to analyze oceans of ...

Core Insights - The article emphasizes the importance of identifying "divergent stocks," which are innovative companies with strong fundamentals and significant growth potential but currently undervalued prices [1]. Group 1 - The investment strategy focuses on long-term growth and seeks to find companies that contribute positively to society [1]. - The author highlights the concept of "disruptive companies" that can reshape their respective industries [1]. - The article does not provide specific stock recommendations or investment advice [2].

Company Overview - Lemonade (NYSE: LMND) provides various insurance products including renters, home, auto, pet, and life insurance in the US, and is in the early stages of expanding into Europe [1] - The company is disrupting traditional insurance incumbents such as Allstate, Farmers, Liberty Mutual, State Farm, and Geico through the use of pure AI technology [1] Investment Insights - MMMT Wealth, led by Oliver, focuses on investment strategies and stock analysis, aiming to gather insights from investor calls, presentations, and financial news to form opinions on stocks with a 3-5 year time horizon [1] - Oliver has 5 years of investing experience and 4 years as a CPA, emphasizing the importance of thorough research in identifying high-potential businesses [1]

Lemonade (LMND 7.20%) stock has been disappointing investors for years now, although it's been up and down over that time. It actually made some incredible progress last year, both in its business and its stock price, but it's lost some of those gains and is 81% off of its highs from 2021. Is it finally time to buy Lemonade stock?Turning lemons into LemonadeLemonade is an insurance technology company that's challenging legacy insurers, and customers are signing up for its digital, easy-to-use products at a ...

Core Viewpoint - Lemonade's Q4 2024 earnings report indicates a potential turning point for the company, showcasing significant growth metrics and improvements in profitability, driven by its AI-driven business model [2][17]. Financial Performance - In-force premium (IFP) reached $944 million, a 26% year-over-year growth, marking the fifth consecutive quarter of accelerating IFP growth [2]. - Gross Earned Premium (GEP) was $226 million, a 25% increase compared to the previous year [2]. - Revenue for Q4 was $148.8 million, reflecting a 29% year-over-year increase, surpassing analyst expectations [3]. - The gross loss ratio improved to 63% for Q4 2024, down from 77% in Q4 2023 and 73% in Q3 2024, with a trailing twelve-month gross loss ratio of 73% [4]. - Adjusted gross profit reached $66 million in Q4, an 88% year-over-year increase, and $174.9 million for the full year, a 98% growth compared to the prior year [5]. - Adjusted EBITDA loss was -$23.8 million for Q4, an 18% improvement year-over-year, with the company achieving positive adjusted EBITDA excluding growth-related spending for the first time [6]. - Positive adjusted free cash flow (Adj. FCF) of $26.5 million in Q4 and $48 million for the full year 2024, marking its first full year of positive Adj. FCF [7]. - Q4 earnings per share (EPS) was -$0.42, beating the consensus estimate of -$0.61 [8]. Technology and Operations - Lemonade's AI technology is integral to its operations, enhancing customer acquisition, claims processing, and underwriting [9]. - AI-powered chatbots, such as AI Maya and AI Jim, facilitate customer interactions and claims processing [9]. - The company employs advanced telematics for car insurance, improving pricing and underwriting precision [11]. - Despite growth, Lemonade reduced its total headcount by 2% year-over-year, indicating increased operational efficiency [12]. - Stability in Technology Development expenses amidst revenue growth further underscores operational efficiency [13]. Strategic Initiatives - Lemonade is focusing on car insurance as a significant growth engine, leveraging its telematics technology and customer base for market share expansion [14]. - The company is pursuing a gradual and focused rollout strategy for its car insurance product [14]. Market Challenges - Lemonade faces intense competition in the insurance sector, which may affect customer acquisition and retention [15]. - The company must continue investing in growth, which could strain finances in the short term [15]. - As an insurance provider, Lemonade is vulnerable to external factors like catastrophic events that could impact profitability [16].