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LEMONADE INC (LMND) Stock Fundamental Analysis

NYSE:LMND - New York Stock Exchange, Inc. - US52567D1072 - Common Stock - Currency: USD

33.42  -1.79 (-5.08%)

After market: 33.9288 +0.51 (+1.52%)

Fundamental Rating

2

LMND gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. LMND has a bad profitability rating. Also its financial health evaluation is rather negative. LMND shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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0

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.
In the past 5 years LMND always reported negative net income.
In the past 5 years LMND always reported negative operating cash flow.
LMND Yearly Net Income VS EBIT VS OCF VS FCFLMND Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 -50M -100M -150M -200M -250M

1.2 Ratios

Looking at the Return On Assets, with a value of -11.77%, LMND is doing worse than 96.45% of the companies in the same industry.
Looking at the Return On Equity, with a value of -36.19%, LMND is doing worse than 94.33% of the companies in the same industry.
Industry RankSector 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
LMND Yearly ROA, ROE, ROICLMND Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 -20 -40 -60 -80

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for LMND so they could not be analyzed.
Industry RankSector 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
LMND Yearly Profit, Operating, Gross MarginsLMND Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 -200 -400 -600 -800 -1K

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2

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.
Compared to 5 years ago, LMND has more shares outstanding
Compared to 1 year ago, LMND has a worse debt to assets ratio.
LMND Yearly Shares OutstandingLMND Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
LMND Yearly Total Debt VS Total AssetsLMND Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.2 Solvency

A Debt/Equity ratio of 0.11 indicates that LMND is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.11, LMND belongs to the best of the industry, outperforming 80.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.04%
LMND Yearly LT Debt VS Equity VS FCFLMND Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M

2.3 Liquidity

LMND has a Current Ratio of 0.14. This is a bad value and indicates that LMND is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.14, LMND is doing good in the industry, outperforming 68.79% 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.
The Quick ratio of LMND (0.14) is better than 68.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
LMND Yearly Current Assets VS Current LiabilitesLMND Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.50% over the past year.
Looking at the last year, LMND shows a very strong growth in Revenue. The Revenue has grown by 22.47%.
Measured over the past years, LMND shows a very strong growth in Revenue. The Revenue has been growing by 80.39% on average per year.
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

Based on estimates for the next years, LMND will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.01% on average per year.
Based on estimates for the next years, LMND will show a very strong growth in Revenue. The Revenue will grow by 24.66% on average per year.
EPS Next Y9.53%
EPS Next 2Y10.35%
EPS Next 3Y13.01%
EPS Next 5YN/A
Revenue Next Year22.44%
Revenue Next 2Y24.64%
Revenue Next 3Y26.97%
Revenue Next 5Y24.66%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
LMND Yearly Revenue VS EstimatesLMND Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B
LMND Yearly EPS VS EstimatesLMND Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 -1 -2 -3 -4

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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.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for LMND. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
LMND Price Earnings VS Forward Price EarningsLMND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LMND Per share dataLMND EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

LMND's earnings are expected to grow with 13.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.35%
EPS Next 3Y13.01%

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5. Dividend

5.1 Amount

LMND does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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LEMONADE INC

NYSE:LMND (2/21/2025, 8:04:00 PM)

After market: 33.9288 +0.51 (+1.52%)

33.42

-1.79 (-5.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)02-25 2025-02-25/amc
Inst Owners47.37%
Inst Owner Change9.8%
Ins Owners7.59%
Ins Owner Change-8.5%
Market Cap2.39B
Analysts49.33
Price Target30.75 (-7.99%)
Short Float %31.13%
Short Ratio8.19
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.43%
Min EPS beat(2)9.28%
Max EPS beat(2)9.58%
EPS beat(4)4
Avg EPS beat(4)15.34%
Min EPS beat(4)9.28%
Max EPS beat(4)25.12%
EPS beat(8)8
Avg EPS beat(8)14.87%
EPS beat(12)11
Avg EPS beat(12)13.23%
EPS beat(16)15
Avg EPS beat(16)11.28%
Revenue beat(2)1
Avg Revenue beat(2)0.95%
Min Revenue beat(2)-1.78%
Max Revenue beat(2)3.68%
Revenue beat(4)3
Avg Revenue beat(4)1.34%
Min Revenue beat(4)-1.78%
Max Revenue beat(4)3.68%
Revenue beat(8)7
Avg Revenue beat(8)4.32%
Revenue beat(12)11
Avg Revenue beat(12)4.34%
Revenue beat(16)15
Avg Revenue beat(16)4.37%
PT rev (1m)-3.65%
PT rev (3m)53.59%
EPS NQ rev (1m)2.28%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)0.33%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.84
P/FCF N/A
P/OCF N/A
P/B 4.02
P/tB 4.27
EV/EBITDA N/A
EPS(TTM)-3.04
EYN/A
EPS(NY)-2.67
Fwd EYN/A
FCF(TTM)-0.7
FCFYN/A
OCF(TTM)-0.58
OCFYN/A
SpS6.91
BVpS8.31
TBVpS7.82
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -11.77%
ROE -36.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.79%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.14
Quick Ratio 0.14
Altman-Z N/A
F-Score4
WACC9.04%
ROIC/WACCN/A
Cap/Depr(3y)127.61%
Cap/Depr(5y)238.33%
Cap/Sales(3y)4.47%
Cap/Sales(5y)4.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.95%
EPS Next Y9.53%
EPS Next 2Y10.35%
EPS Next 3Y13.01%
EPS Next 5YN/A
Revenue 1Y (TTM)22.47%
Revenue growth 3Y65.74%
Revenue growth 5Y80.39%
Sales Q2Q%19.3%
Revenue Next Year22.44%
Revenue Next 2Y24.64%
Revenue Next 3Y26.97%
Revenue Next 5Y24.66%
EBIT growth 1Y20.48%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year37.71%
EBIT Next 3Y20.66%
EBIT Next 5Y23.13%
FCF growth 1Y74.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y77.59%
OCF growth 3YN/A
OCF growth 5YN/A