LEMONADE INC (LMND)
US52567D1072 - Common Stock
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. LMND has a bad profitability rating. Also its financial health evaluation is rather negative. LMND shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
LMND had negative earnings in the past year.
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.
1.2 Ratios
The Return On Assets of LMND (-11.77%) is worse than 96.40% of its industry peers.
LMND's Return On Equity of -36.19% is on the low side compared to the rest of the industry. LMND is outperformed by 94.24% of its industry peers.
| 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
2. Health
2.1 Basic Checks
LMND does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LMND has more shares outstanding
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
A Debt/Equity ratio of 0.11 indicates that LMND is not too dependend on debt financing.
LMND has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. LMND outperforms 80.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.22%
2.3 Liquidity
A Current Ratio of 0.14 indicates that LMND may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.14, LMND is in the better half of the industry, outperforming 69.06% of the companies in the same industry.
LMND has a Quick 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.
LMND has a Quick ratio of 0.14. This is in the better half of the industry: LMND outperforms 69.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.50% over the past year.
LMND shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.47%.
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
Based on estimates for the next years, LMND will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.08% 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 Y9.23%
EPS Next 2Y10.38%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue Next Year22.45%
Revenue Next 2Y24.55%
Revenue Next 3Y26.57%
Revenue Next 5Y24.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for LMND. In the last year negative earnings were reported.
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 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 13.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.38%
EPS Next 3Y13.08%
5. Dividend
5.1 Amount
LMND does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
LEMONADE INC
NYSE:LMND (1/6/2025, 4:37:37 PM)
After market: 38.56 0 (0%)38.56
+0.61 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners42.5%
Inst Owner Change0%
Ins Owners7.64%
Ins Owner Change-8.5%
Market Cap2.75B
Analysts49.33
Price Target31.91 (-17.25%)
Short Float %29.61%
Short Ratio5.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)25.14%
PT rev (3m)58.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.42%
EPS NY rev (1m)0.18%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.64 | ||
| P/tB | 4.93 | ||
| 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 Rank | Sector 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 Rank | Sector 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
WACC9.22%
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 Y9.23%
EPS Next 2Y10.38%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue 1Y (TTM)22.47%
Revenue growth 3Y65.74%
Revenue growth 5Y80.39%
Sales Q2Q%19.3%
Revenue Next Year22.45%
Revenue Next 2Y24.55%
Revenue Next 3Y26.57%
Revenue Next 5Y24.66%
EBIT growth 1Y20.48%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year37.71%
EBIT Next 3Y20.69%
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