Fundamental Analysis of LEMONADE INC(NYSE:LMND) stock

Fundamental Rating

Taking everything into account, LMND scores 2 out of 10 in our fundamental rating. LMND was compared to 141 industry peers in the Insurance industry. Both the profitability and financial health of LMND have multiple concerns. LMND shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

In the past year LMND has reported negative net income.

In the past year LMND has reported a negative cash flow from operations.

LMND had negative earnings in each of the past 5 years.

LMND had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of LMND (-11.77%) is worse than 96.43% of its industry peers.

With a Return On Equity value of -36.19%, LMND is not doing good in the industry: 92.86% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-11.77%
ROE	-36.19%
ROIC	N/A

ROA(3y)-16.03%

ROA(5y)-17.81%

ROE(3y)-30.73%

ROE(5y)-30.25%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LMND does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LMND does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for LMND has been increased compared to 1 year ago.

LMND has more shares outstanding than it did 5 years ago.

The debt/assets ratio for LMND is higher compared to a year ago.

2.2 Solvency

LMND has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.11, LMND belongs to the top of the industry, outperforming 81.43% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.06%

2.3 Liquidity

A Current Ratio of 0.14 indicates that LMND may have some problems paying its short term obligations.

With a decent Current ratio value of 0.14, LMND is doing good in the industry, outperforming 69.29% of the companies in the same industry.

A Quick Ratio of 0.14 indicates that LMND may have some problems paying its short term obligations.

LMND's Quick ratio of 0.14 is fine compared to the rest of the industry. LMND outperforms 69.29% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.14
Quick Ratio	0.14

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

LMND shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.50%, which is quite good.

The Revenue has grown by 22.47% in the past year. This is a very strong growth!

LMND shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 80.39% yearly.

EPS 1Y (TTM)18.5%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-7.95%

Revenue 1Y (TTM)22.47%

Revenue growth 3Y65.74%

Revenue growth 5Y80.39%

Sales Q2Q%19.3%

3.2 Future

The Earnings Per Share is expected to grow by 15.60% on average over the next years. This is quite good.

The Revenue is expected to grow by 26.12% on average over the next years. This is a very strong growth

EPS Next Y9.28%

EPS Next 2Y11.73%

EPS Next 3Y15.6%

EPS Next 5YN/A

Revenue Next Year22.47%

Revenue Next 2Y24.59%

Revenue Next 3Y28.04%

Revenue Next 5Y26.12%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

LMND reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Also next year LMND is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

LMND's earnings are expected to grow with 15.60% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y11.73%

EPS Next 3Y15.6%

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5. Dividend

5.1 Amount

LMND does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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LEMONADE INC

NYSE:LMND (11/22/2024, 8:04:00 PM)

After market: 48.98 -0.3 (-0.61%)

49.28

-1.08 (-2.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap3.52B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-11.77%
ROE	-36.19%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.27

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	0.14
Quick Ratio	0.14
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)18.5%

EPS 3YN/A

EPS 5Y

EPS Q2Q%

EPS Next Y9.28%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)22.47%

Revenue growth 3Y65.74%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

LEMONADE INC (LMND)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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