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    Lemonade, Inc.

    Company overview

    Market capitalization
    $3.40B
    Employees
    1,291
    Latest publication
    2026-09-29
    About Lemonade, Inc.

    Lemonade, Inc. provides various insurance products in the United States, Europe, Louisiana, and the United Kingdom. The company provides renters and homeowners, building, car, pet, and life insurance products, as well as landlord insurance products. It also offers insurance for stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ4 20182018-12-31 · USDQ3 20182018-09-30 · USDQ2 20182018-06-30 · USDQ1 20182018-03-31 · USD
    Total Revenue7,900,000USD7,900,000USD3,350,000USD3,350,000USD
    Gross Profit7,900,000USD7,900,000USD3,350,000USD3,350,000USD
    Selling General Administrative3,250,000USD4,550,000USD3,550,000USD3,550,000USD
    Selling And Marketing Expenses11,950,000USD12,150,000USD8,650,000USD8,650,000USD
    Unclassified Operating Expenses2,050,000USD———
    Total Operating Expenses17,250,000USD17,250,000USD12,700,000USD12,700,000USD
    Operating Income-9,350,000USD-9,350,000USD-9,350,000USD-9,350,000USD
    Income Before Tax-14,550,000USD-14,550,000USD-11,750,000USD-11,750,000USD
    Income Tax Expense50,000USD50,000USD100,000USD100,000USD
    Tax Provision300,000USD———
    Net Income-14,600,000USD-14,600,000USD-11,850,000USD-11,850,000USD
    Ebit-9,350,000USD-9,350,000USD-9,350,000USD-9,350,000USD
    Ebitda5,200,000USD5,200,000USD2,400,000USD2,400,000USD
    Depreciation And Amortization14,550,000USD14,550,000USD11,750,000USD11,750,000USD
    Total Other Income Expense Net-5,200,000USD-5,200,000USD-2,400,000USD-2,400,000USD
    Net Income Applicable To Common Shares-52,900,000USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20172017-12-31 · USD
    Total Revenue2,400,000USD
    Gross Profit2,400,000USD
    Selling General Administrative8,000,000USD
    Selling And Marketing Expenses12,600,000USD
    Unclassified Operating Expenses8,100,000USD
    Total Operating Expenses28,700,000USD
    Operating Income-26,300,000USD
    Interest Expense0USD
    Income Before Tax-28,000,000USD
    Income Tax Expense100,000USD
    Tax Provision100,000USD
    Net Income-28,100,000USD
    Ebit-26,300,000USD
    Ebitda1,700,000USD
    Depreciation And Amortization28,000,000USD
    Total Other Income Expense Net-1,700,000USD
    Net Income Applicable To Common Shares-28,100,000USD
    SourceLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Assets1,957,900,000USD1,925,700,000USD1,918,800,000USD1,934,600,000USD1,856,600,000USD1,849,100,000USD1,823,000,000USD1,713,900,000USD
    Intangible Assets22,300,000USD20,200,000USD21,600,000USD21,400,000USD22,600,000USD25,800,000USD27,700,000USD18,200,000USD
    Other Current Assets136,100,000USD167,500,000USD213,000,000USD290,100,000USD274,000,000USD272,200,000USD262,700,000USD-1,387,100,000USD
    Total Liab1,439,900,000USD1,392,100,000USD1,402,600,000USD1,407,500,000USD1,311,100,000USD1,255,700,000USD1,230,000,000USD1,078,700,000USD
    Total Stockholder Equity518,000,000USD533,600,000USD516,200,000USD527,100,000USD545,500,000USD593,400,000USD593,000,000USD635,200,000USD
    Other Current Liab588,100,000USD602,300,000USD649,600,000USD697,600,000USD660,600,000USD640,000,000USD614,800,000USD-57,900,000USD
    Capital Stock0USD0USD0USD0USD0USD0USD0USD0USD
    Retained Earnings-1,500,100,000USD-1,464,300,000USD-1,442,600,000USD-1,405,100,000USD-1,361,200,000USD-1,298,800,000USD-1,268,800,000USD-1,201,100,000USD
    Good Will19,000,000USD19,000,000USD19,000,000USD19,000,000USD19,000,000USD19,000,000USD19,000,000USD19,000,000USD
    Cash374,300,000USD385,000,000USD345,900,000USD377,500,000USD309,200,000USD376,000,000USD329,800,000USD343,200,000USD
    Cash And Short Term Investments577,800,000USD1,107,900,000USD586,800,000USD670,300,000USD639,800,000USD1,010,900,000USD585,300,000USD924,400,000USD
    Total Current Assets1,308,500,000USD1,843,300,000USD1,362,800,000USD1,484,900,000USD1,413,900,000USD1,762,300,000USD1,335,600,000USD827,300,000USD
    Total Current Liabilities1,239,500,000USD1,210,000,000USD1,250,900,000USD1,263,800,000USD1,187,400,000USD1,148,500,000USD1,141,200,000USD187,600,000USD
    Current Deferred Revenue619,800,000USD580,800,000USD574,300,000USD515,300,000USD481,600,000USD458,100,000USD457,700,000USD7,000,000USD
    Net Debt-173,900,000USD-202,900,000USD-194,200,000USD-233,800,000USD-185,500,000USD-268,800,000USD-241,000,000USD-275,900,000USD
    Short Term Debt179,600,000USD165,300,000USD139,000,000USD—101,900,000USD92,400,000USD67,400,000USD43,900,000USD
    Short Long Term Debt Total200,400,000USD182,100,000USD151,700,000USD143,700,000USD123,700,000USD107,200,000USD88,800,000USD67,300,000USD
    Long Term Debt179,600,000USD158,100,000USD139,000,000USD123,500,000USD101,900,000USD83,400,000USD67,400,000USD43,900,000USD
    Long Term Investments751,300,000USD722,900,000USD705,300,000USD645,800,000USD676,100,000USD634,900,000USD640,800,000USD581,200,000USD
    Short Term Investments203,500,000USD722,900,000USD240,900,000USD292,800,000USD330,600,000USD634,900,000USD255,500,000USD581,200,000USD
    Net Receivables594,600,000USD567,900,000USD563,000,000USD524,500,000USD500,100,000USD479,200,000USD487,600,000USD462,700,000USD
    Accounts Payable31,600,000USD26,900,000USD27,000,000USD34,600,000USD31,200,000USD31,100,000USD42,900,000USD34,500,000USD
    Property Plant Equipment Net16,700,000USD35,600,000USD15,300,000USD16,000,000USD16,200,000USD31,300,000USD16,000,000USD16,300,000USD
    Accumulated Other Comprehensive Income700,000USD6,400,000USD5,200,000USD4,200,000USD-3,400,000USD-6,100,000USD-100,000USD-8,600,000USD
    Common Stock Shares Outstanding76,307,698shares71,818,181shares74,194,138shares73,433,379shares72,921,318shares71,023,115shares71,138,070shares70,721,227shares
    Non Current Assets Total649,400,000USD82,400,000USD556,000,000USD449,700,000USD442,700,000USD86,800,000USD487,400,000USD465,400,000USD
    Non Current Liabilities Total200,400,000USD182,100,000USD151,700,000USD143,700,000USD123,700,000USD107,200,000USD88,800,000USD469,900,000USD
    Non Currrent Assets Other43,600,000USD1,100,000USD35,700,000USD40,300,000USD39,400,000USD4,000,000USD39,400,000USD-634,700,000USD
    Unclassified Non Current Assets-203,500,000USD-1,800,100,000USD-1,366,500,000USD-2,227,400,000USD-2,187,200,000USD-2,477,300,000USD-2,078,500,000USD-1,883,200,000USD
    Unclassified Current Liabilities-179,600,000USD-165,300,000USD-139,000,000USD16,300,000USD-87,900,000USD-73,100,000USD-41,600,000USD102,200,000USD
    Unclassified Non Current Liabilities20,800,000USD24,000,000USD12,700,000USD20,200,000USD21,800,000USD23,800,000USD21,400,000USD426,000,000USD
    Unclassified Equity2,017,400,000USD1,991,500,000USD1,953,600,000USD1,928,000,000USD1,910,100,000USD1,898,300,000USD1,861,900,000USD1,844,900,000USD
    Other Assets—1,083,700,000USD1,125,600,000USD1,934,600,000USD1,856,600,000USD1,849,100,000USD1,823,000,000USD1,713,900,000USD
    Inventory——————-891,000,000USD-653,400,000USD
    Unclassified Current Assets———————-559,800,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets1,925,700,000USD1,849,100,000USD1,298,600,000USD1,690,700,000USD1,510,500,000USD828,700,000USD414,300,000USD153,800,000USD
    Intangible Assets20,200,000USD25,800,000USD22,900,000USD32,500,000USD6,800,000USD600,000USD2,400,000USD600,000USD
    Other Current Assets167,500,000USD272,200,000USD821,200,000USD833,600,000USD160,200,000USD-717,900,000USD-405,300,000USD135,500,000USD
    Total Liab1,392,100,000USD1,255,700,000USD589,700,000USD823,900,000USD522,300,000USD287,700,000USD596,800,000USD232,900,000USD
    Total Stockholder Equity533,600,000USD593,400,000USD708,900,000USD866,800,000USD988,200,000USD541,000,000USD-182,500,000USD-79,100,000USD
    Other Current Liab602,300,000USD640,000,000USD145,300,000USD-19,500,000USD260,500,000USD-17,900,000USD-8,100,000USD-5,000,000USD
    Capital Stock0USD0USD0USD0USD0USD0USD0USD0USD
    Retained Earnings-1,464,300,000USD-1,298,800,000USD-1,096,600,000USD-859,700,000USD-561,900,000USD-320,600,000USD-198,300,000USD-89,800,000USD
    Good Will19,000,000USD19,000,000USD19,000,000USD19,000,000USD0USD—-1,800,000USD—
    Other Assets1,083,700,000USD1,849,100,000USD1USD1,053,700,000USD1,510,500,000USD828,700,000USD414,300,000USD-5,500,000USD
    Cash385,000,000USD376,000,000USD271,500,000USD282,500,000USD270,600,000USD570,800,000USD270,000,000USD102,200,000USD
    Cash And Short Term Investments1,107,900,000USD1,010,900,000USD937,700,000USD1,032,600,000USD1,072,400,000USD577,400,000USD330,600,000USD111,400,000USD
    Total Current Assets1,843,300,000USD1,762,300,000USD821,200,000USD565,900,000USD1,463,900,000USD717,900,000USD405,300,000USD149,100,000USD
    Total Current Liabilities1,210,000,000USD1,148,500,000USD201,200,000USD19,500,000USD500,000,000USD14,400,000USD4,600,000USD3,800,000USD
    Current Deferred Revenue580,800,000USD458,100,000USD7,100,000USD10,700,000USD209,700,000USD———
    Net Debt-202,900,000USD-268,800,000USD-228,400,000USD-247,300,000USD-248,300,000USD-570,800,000USD-270,000,000USD-102,200,000USD
    Short Term Debt165,300,000USD92,400,000USD25,000,000USD8,800,000USD————
    Short Long Term Debt Total182,100,000USD107,200,000USD43,100,000USD144,800,000USD22,300,000USD———
    Long Term Debt158,100,000USD83,400,000USD14,900,000USD136,000,000USD103,100,000USD62,100,000USD——
    Long Term Investments722,900,000USD634,900,000USD673,200,000USD750,100,000USD801,800,000USD6,600,000USD60,600,000USD9,200,000USD
    Short Term Investments722,900,000USD634,900,000USD301,300,000USD750,100,000USD801,800,000USD6,600,000USD60,600,000USD9,200,000USD
    Net Receivables567,900,000USD479,200,000USD381,300,000USD362,400,000USD231,300,000USD140,500,000USD74,700,000USD37,700,000USD
    Accounts Payable26,900,000USD31,100,000USD23,800,000USD19,500,000USD19,700,000USD14,400,000USD4,600,000USD3,800,000USD
    Property Plant Equipment Net35,600,000USD31,300,000USD34,800,000USD46,000,000USD33,600,000USD5,700,000USD3,100,000USD1,000,000USD
    Accumulated Other Comprehensive Income6,400,000USD-6,100,000USD-9,000,000USD-27,600,000USD-3,400,000USD1,800,000USD100,000USD—
    Common Stock Shares Outstanding71,818,181shares71,023,115shares69,658,912shares64,921,524shares61,224,433shares55,321,364shares43,612,686shares43,612,686shares
    Non Current Assets Total82,400,000USD86,800,000USD477,399,999USD71,100,000USD46,600,000USD12,900,000USD64,300,000USD10,200,000USD
    Non Current Liabilities Total182,100,000USD107,200,000USD388,500,000USD19,500,000USD22,300,000USD22,400,000USD68,000,000USD26,300,000USD
    Non Currrent Assets Other1,100,000USD4,000,000USD35,800,000USD-776,500,000USD2,800,000USD-12,900,000USD-64,300,000USD-10,200,000USD
    Unclassified Non Current Assets-1,800,100,000USD-2,477,300,000USD-308,300,002USD-1,830,200,000USD-2,308,900,000USD-828,700,000USD-416,100,000USD—
    Unclassified Current Liabilities-165,300,000USD-73,100,000USD—-19,500,000USD10,100,000USD———
    Unclassified Non Current Liabilities24,000,000USD23,800,000USD373,600,000USD-804,100,000USD-596,900,000USD-258,000,000USD39,200,000USD13,100,000USD
    Unclassified Equity1,991,500,000USD1,898,300,000USD1,814,500,000USD1,754,100,000USD1,553,500,000USD1,688,500,000USD15,700,000USD10,700,000USD
    Inventory——-1,319,000,000USD-1,662,700,000USD-595,100,000USD-663,800,000USD-382,000,000USD-135,500,000USD
    Unclassified Current Assets——-954,100,000USD-1,662,700,000USD———-135,500,000USD
    Other Liab———85,300,000USD155,300,000USD48,200,000USD28,800,000USD13,200,000USD
    Non Current Liabilities Other———602,300,000USD360,800,000USD170,100,000USD——
    Net Tangible Assets———815,300,000USD987,600,000USD540,400,000USD-183,100,000USD-79,100,000USD
    Common Stock—————-828,700,000USD——
    Property Plant Equipment Gross—————5,700,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income-35,800,000USD-21,700,000USD-37,500,000USD-43,900,000USD-62,400,000USD-30,000,000USD-67,700,000USD-57,200,000USD
    Depreciation2,700,000USD11,500,000USD3,400,000USD4,700,000USD4,500,000USD4,700,000USD5,100,000USD5,200,000USD
    Stock Based Compensation21,200,000USD18,500,000USD17,100,000USD15,400,000USD10,300,000USD17,300,000USD16,900,000USD15,400,000USD
    Other Non Cash Items4,600,000USD-2,300,000USD1,500,000USD2,900,000USD3,000,000USD1,500,000USD70,100,000USD900,000USD
    Change To Account Receivables-44,800,000USD-700,000USD-43,700,000USD-28,800,000USD-33,000,000USD12,900,000USD107,600,000USD-57,600,000USD
    Change In Working Capital6,700,000USD14,700,000USD20,000,000USD26,400,000USD-2,600,000USD20,300,000USD-8,100,000USD24,000,000USD
    Total Cash From Operating Activities-600,000USD20,700,000USD4,500,000USD5,500,000USD-47,200,000USD13,800,000USD16,300,000USD-11,700,000USD
    Capital Expenditures-3,499,999USD-3,100,000USD-1,900,000USD-2,100,000USD-2,300,000USD-3,200,000USD-2,200,000USD-1,500,000USD
    Free Cash Flow-4,099,999USD17,600,000USD2,600,000USD3,400,000USD-49,500,000USD10,600,000USD14,100,000USD-13,200,000USD
    Investments-31,100,000USD-15,800,000USD-59,400,000USD29,500,000USD-40,300,000USD2,500,000USD-54,100,000USD61,300,000USD
    Total Cashflows From Investing Activities-34,600,000USD-18,900,000USD-59,400,000USD29,500,000USD-40,300,000USD2,500,000USD-54,100,000USD61,300,000USD
    Net Borrowings21,500,000USD19,100,000USD15,500,000USD21,600,000USD18,500,000USD15,900,000USD23,500,000USD—
    Total Cash From Financing Activities26,200,000USD38,500,000USD24,000,000USD24,100,000USD20,000,000USD35,000,000USD23,600,000USD15,600,000USD
    Change In Cash-10,300,000USD41,300,000USD-30,500,000USD66,300,000USD-66,000,000USD47,900,000USD-11,900,000USD64,500,000USD
    Begin Period Cash Flow396,800,000USD355,500,000USD386,000,000USD319,700,000USD385,700,000USD337,800,000USD349,700,000USD285,200,000USD
    End Period Cash Flow386,500,000USD396,800,000USD355,500,000USD386,000,000USD319,700,000USD385,700,000USD337,800,000USD349,700,000USD
    Unclassified Financing Cash Flow4,700,000USD-19,100,000USD—-21,600,000USD———-45,700,000USD
    Other Cashflows From Investing Activities—28,600,000USD-63,900,000USD-6,400,000USD———62,800,000USD
    Other Cashflows From Financing Activities—38,500,000USD8,500,000USD24,100,000USD1,500,000USD19,100,000USD100,000USD61,300,000USD
    Unclassified Investing Cash Flow—-28,600,000USD65,800,000USD8,500,000USD2,300,000USD3,200,000USD2,200,000USD-61,300,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income-165,500,000USD-202,200,000USD-236,900,000USD-297,800,000USD-241,300,000USD-122,300,000USD-108,500,000USD-52,900,000USD
    Depreciation15,200,000USD20,000,000USD20,000,000USD12,200,000USD3,700,000USD1,700,000USD600,000USD100,000USD
    Stock Based Compensation61,300,000USD64,500,000USD59,900,000USD59,300,000USD44,100,000USD10,600,000USD4,300,000USD2,100,000USD
    Other Non Cash Items14,000,000USD5,200,000USD9,200,000USD15,400,000USD6,200,000USD14,400,000USD400,000USD200,000USD
    Change To Account Receivables-106,200,000USD-122,200,000USD-32,100,000USD-96,400,000USD-88,000,000USD-62,900,000USD-37,600,000USD-28,900,000USD
    Change In Working Capital58,500,000USD101,100,000USD28,700,000USD47,900,000USD46,900,000USD4,200,000USD25,100,000USD9,700,000USD
    Total Cash From Operating Activities-16,500,000USD-11,400,000USD-119,100,000USD-163,000,000USD-144,600,000USD-91,700,000USD-78,100,000USD-40,800,000USD
    Capital Expenditures-9,400,000USD-9,400,000USD-9,200,000USD-10,100,000USD-9,400,000USD-4,400,000USD-3,300,000USD-700,000USD
    Free Cash Flow-25,900,000USD-20,800,000USD-128,300,000USD-173,100,000USD-154,000,000USD-96,100,000USD-81,400,000USD-41,500,000USD
    Investments-79,700,000USD40,600,000USD88,700,000USD92,400,000USD-795,400,000USD50,100,000USD-54,000,000USD6,400,000USD
    Total Cashflows From Investing Activities-89,100,000USD40,600,000USD88,700,000USD181,100,000USD-804,800,000USD50,100,000USD-54,000,000USD6,400,000USD
    Net Borrowings74,700,000USD68,400,000USD14,900,000USD0USD0USD———
    Total Cash From Financing Activities106,600,000USD87,700,000USD15,400,000USD3,600,000USD649,600,000USD341,100,000USD300,100,000USD119,900,000USD
    Change In Cash11,100,000USD114,200,000USD-15,000,000USD15,900,000USD-300,800,000USD301,100,000USD167,900,000USD85,500,000USD
    Begin Period Cash Flow385,700,000USD271,500,000USD286,500,000USD270,600,000USD571,400,000USD270,300,000USD102,400,000USD16,900,000USD
    End Period Cash Flow396,800,000USD385,700,000USD271,500,000USD286,500,000USD270,600,000USD571,400,000USD270,300,000USD102,400,000USD
    Other Cashflows From Investing Activities-79,700,000USD50,000,000USD—92,400,000USD-795,400,000USD54,500,000USD-600,000USD7,100,000USD
    Other Cashflows From Financing Activities106,600,000USD19,300,000USD500,000USD3,600,000USD9,300,000USD1,800,000USD300,100,000USD119,900,000USD
    Unclassified Investing Cash Flow79,700,000USD-40,600,000USD9,200,000USD6,400,000USD795,400,000USD-50,100,000USD3,900,000USD-6,400,000USD
    Unclassified Financing Cash Flow-74,700,000USD——-3,600,000USD-9,300,000USD—-300,100,000USD-119,900,000USD
    Change To Inventory——54,800,000USD—121,200,000USD68,100,000USD64,700,000USD38,900,000USD
    Issuance Of Capital Stock——0USD0USD640,300,000USD339,300,000USD299,400,000USD119,800,000USD
    Change To Liabilities———89,800,000USD97,600,000USD56,500,000USD39,500,000USD21,600,000USD
    Sale Purchase Of Stock———3,600,000USD649,600,000USD339,800,000USD300,100,000USD119,900,000USD
    Cash And Cash Equivalents Changes———21,700,000USD-299,800,000USD299,500,000USD——
    Unclassified Operating Cash Flow————-4,200,000USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

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    Revenue breakdown

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    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.