# Lemonade Inc. (LMND) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $53.41, market value $4.1 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Lemonade Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 4.2×**. Each dollar of revenue is priced at 4.2×.
- **Price / book: 8.3×**. The shares trade at 8.3× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 0.2%** (5-yr avg -7.6%). Free cash flow equals 0.2% of the market value, above its five-year average of -7.6%, so the shares are cheaper on cash than they have usually been.

## Profitability
- **Net margin: -22.4%**. The company reported a net loss over the last twelve months.
- **Return on equity: -31.0%**. Return on equity is negative because earnings are negative.
- **Return on assets: -7.2%**. Each dollar of assets produces -7.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 40.2%** (3-yr 42.2%/yr, 5-yr 50.9%/yr). Revenue grew 40.2% over the last year, against 50.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 21.4%**. Earnings per share rose 21.4%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Lemonade Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 5.3%** (YTD -25.0%, 3-mo 3.8%). The shares are up 5.3% over twelve months including dividends.
- **From 52-week high: -46.5%** (15.7% above the low). Trading 47% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 2.78** (volatility 81%). Beta of 2.78 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LMND · Page: https://foliofundamentals.com/stocks/lmnd

Not investment advice.