LMND Stock Analysis & Forecast (2026)

Lemonade, Inc. Financial Services Insurance - Property & Casualty
$67.72
Current Price
63%
Hold
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Data refreshed: April 22, 2026

Key Financial Metrics

Market Cap
$5.17B
Revenue Growth
53.5%
Gross Margin
53.0%
Net Margin
-22.4%
Return on Equity
-29.4%
Debt/Equity
0.34

AI Analysis Summary

Lemonade, Inc. (LMND) is a Financial Services company in the Insurance - Property & Casualty industry with a 63% Hold Score. Key strengths include Revenue Growth (53.5%), Gross Margin (53.0%). Areas to watch: Net Margin (-22.4%), Return on Equity (-29.4%). Our AI evaluates 8 fundamental categories including revenue growth, margin quality, balance sheet strength, cash flow generation, return on capital, and valuation metrics.

Revenue Growth: Strong Gross Margin: Excellent Net Margin: Negative Return on Equity: Negative Debt/Equity: Moderate

This analysis is generated by StrongBuyAnalytics AI using publicly available financial data from SEC filings, earnings reports, and market feeds. It is not personalized investment advice. See our methodology and disclaimer.

LMND Fundamental Analysis Report
PDF Report Preview
63%
Strong Buy Score
  • 8 Fundamental Categories Analyzed
  • Revenue & Growth Trends
  • Margin & Profitability Analysis
  • Balance Sheet Strength
  • Cash Flow Quality
  • Valuation Assessment
  • AI-Powered Investment Insights
Get Your Free LMND Report

How It Works: AI Stock Analysis in 60 Seconds

See how our AI analyzes LMND fundamentals to generate buy/sell signals and Strong Buy Scores.

Why LMND Has a 63% Score

Our AI evaluates Lemonade, Inc.'s fundamentals across multiple dimensions. Here is what is driving the current Hold rating:

Recent Catalysts for LMND

Key developments and data points that may impact Lemonade, Inc.'s trajectory:

Wall Street consensus target is $65.11 (-3.9% from current price), based on 9 analyst estimates.
Analyst consensus recommendation: Hold.
Institutional ownership at 59.7% — strong smart-money backing.
Short ratio of 5.3 days to cover — elevated short interest could fuel a squeeze on positive news.

LMND vs. Peers

How Lemonade, Inc. stacks up against comparable Financial Services companies on key metrics:

Ticker Price Market Cap P/E Rev Growth Net Margin ROE
LMND $67.72 $5.17B 53.5% -22.4% -29.4%
JPM $314.21 $847.43B 15.0x 12.7% 33.9% 16.5%
BAC $53.66 $383.47B 13.3x 11.8% 29.0% 10.6%
WFC $81.63 $251.01B 12.6x 5.7% 26.7% 12.0%
GS $938.50 $278.50B 17.1x 14.5% 29.4% 14.6%

Main Risks for LMND Investors

Every investment carries risk. Here are the specific risk factors our analysis identified for Lemonade, Inc.:

Net Margin (-22.4%)
Return on Equity (-29.4%)
High beta of 2.04 means the stock is 104% more volatile than the market — expect larger drawdowns in corrections.
Short interest is elevated with a 5.3-day cover ratio, indicating bearish bets against the stock.

Generate the full PDF report for a detailed risk-reward framework and bear-case scenarios.

LMND Balance Sheet & Cash Flow

A snapshot of Lemonade, Inc.'s financial health based on the most recent filings:

Total Cash
$399.10M
Total Debt
$182.10M
Current Ratio
1.00
FCF Yield
2.2%
EBITDA
$-121,500,000
Operating Margin
-3.5%

Data sourced from the latest SEC filings. Generate the full PDF report for detailed balance sheet and cash flow commentary.

LMND Valuation Snapshot

Price / Book
9.6x
High intangible value
Analyst Target (Mean)
$65.11
Range: $33 – $98
52-Week Price Range — LMND is trading at 55% of its range
$27.63 (52W Low) $99.90 (52W High)

Is LMND a Buy Right Now?

Based on our AI-powered fundamental analysis, LMND has a Strong Buy Score of 63%, earning a "Hold" rating. This score synthesizes 8 key financial metrics to provide an objective investment signal.

Moderate Buy Signal

Lemonade, Inc. shows mixed fundamentals with some strengths and areas to monitor. Positives include Revenue Growth (53.5%). Watch for Net Margin (-22.4%).

LMND AI Buy & Sell Signals Explained

Our AI analyzes Lemonade, Inc.'s financial statements to generate buy/sell signals based on quantitative metrics, not market sentiment or news headlines. Here's what drives the 63% score:

  • Revenue Growth: 53.5% year-over-year (above average)
  • Gross Margin: 53.0% (strong pricing power)
  • Net Margin: -22.4% (unprofitable)
  • Return on Equity: -29.4% (negative returns)

Generate the full PDF report for complete category-by-category scoring and AI-powered investment recommendations.

Key Support / Demand Zones

Technical traders can view real-time demand and supply zones for LMND on our Demand Zones page. These zones identify key price levels where institutional buying or selling has historically occurred.

With LMND currently trading at $67.72, our system monitors proximity to these critical levels and can alert you when the stock approaches support or resistance zones.

Subscribe to demand zone alerts to receive real-time notifications when LMND reaches key technical levels.

Earnings & Revenue Outlook

Lemonade, Inc. operates in the Financial Services sector, specifically in Insurance - Property & Casualty. Understanding earnings trends is crucial for forecasting LMND's trajectory.

Current revenue growth of 53.5% significantly outpaces the average company. This strong growth trajectory supports a higher valuation multiple.

Visit our Earnings Calendar to track upcoming LMND earnings dates and historical beat/miss patterns. Sign up for earnings alerts to get notified before announcements.

LMND Stock Forecast (Next 3–12 Months)

Our AI projects LMND's trajectory based on current fundamentals and historical patterns. With a 63% Strong Buy Score, here's what the data suggests:

Mixed Outlook: Lemonade, Inc. shows moderate fundamental strength. Revenue growth at 53.5% is positive but warrants monitoring. The stock may trade sideways or experience modest gains depending on execution and market conditions.

For a complete 12-month price forecast with specific bull/bear scenarios, generate the full PDF report.

Valuation Metrics (P/E, Growth, Margins)

Understanding valuation is critical for determining if LMND is fairly priced. Here's the current snapshot:

  • Market Capitalization: $5.17B
  • Debt/Equity: 0.34 (conservative balance sheet)

Our AI weighs these metrics against growth rates and margin quality to determine if LMND offers compelling risk-adjusted returns at current prices.

Bull Case for LMND

Here's why investors are bullish on Lemonade, Inc.:

  • Revenue Growth (53.5%)
  • Gross Margin (53.0%)

While these positives exist, investors should weigh them against the risks outlined in the bear case below.

Bear Case & Risks for LMND

Every investment carries risk. Here are potential concerns for LMND investors:

  • Net Margin (-22.4%)
  • Return on Equity (-29.4%)

The full PDF report includes a detailed bear case analysis with specific risk ratings for each category.

Summary / 12-Month Outlook

LMND Summary: Lemonade, Inc. earns a 63% Hold Score based on AI analysis of fundamental data. Trading at $67.72 with a $5.17B market cap, the stock presents a balanced risk/reward profile for the coming year.

Bull Case: Revenue Growth (53.5%), Gross Margin (53.0%)

Watch: Net Margin (-22.4%), Return on Equity (-29.4%)

For the complete analysis with specific price considerations, growth projections, and AI-powered buy/hold/sell recommendations, generate your free LMND PDF report.

Learn More About Stock Analysis

Deepen your understanding of the concepts used in this LMND analysis:

Fundamental Analysis Guide

Learn how to evaluate stocks using financial statements and key metrics.

Understanding P/E Ratio

What P/E ratio tells you about a stock's valuation and growth expectations.

Return on Equity (ROE)

Why ROE matters for stock selection and how to interpret it.

Stock Valuation Methods

Compare DCF, P/E, and other approaches to value stocks like LMND.

What Are Demand Zones?

Find key support and resistance levels for LMND and other stocks.

How to Read Earnings Reports

Understand earnings per share, revenue surprises, and guidance.

Related Tools for LMND

Demand Zone Analyzer LMND Live Chart LMND SEC Filing News Earnings Calendar Institutional Ownership Sector Scanner Average Down Calculator

LMND SEC Filing News

Latest SEC filings for LMND explained in plain English — insider buys/sells (Form 4), proposed sales (Form 144), material events (8-K), and quarterly & annual reports.

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Frequently Asked Questions about LMND

Is LMND a good buy right now?
LMND currently has a Strong Buy Score of 63% (Hold). LMND shows moderate buy signals. The stock has mixed fundamentals worth reviewing in detail. Generate a free PDF report for specific buy/hold/sell recommendations.
What is the LMND stock forecast for 2026?
Our AI forecasts LMND based on current fundamentals: revenue growth of 53.5%, net margin of -22.4%. The 63% Strong Buy Score reflects our outlook combining growth trajectory, margin quality, and valuation. See the full 12-month projection in your PDF report.
What are key support and resistance levels for LMND?
View real-time LMND demand zones (support) and supply zones (resistance) on our Demand Zones page. With LMND currently at $67.72, you can see how close the stock is to key technical levels. Subscribe to get alerts when LMND approaches these zones.
How do LMND fundamentals compare to peers?
Lemonade, Inc. operates in the Financial Services sector. Key metrics for peer comparison: Gross margin 53.0%, ROE -29.4%, Debt/Equity 0.34. The 63% Strong Buy Score factors in how these metrics stack up against industry averages. Data is refreshed daily.
Is the LMND analysis PDF report free?
Yes! Your first LMND fundamental analysis report is completely free with no credit card required. The PDF includes the full Strong Buy Score breakdown, all 8 fundamental categories analyzed, AI-powered insights, and specific investment recommendations. Additional reports are available through our subscription plans starting at $24/month.
What is Lemonade, Inc.'s market cap and P/E ratio?
Lemonade, Inc. (LMND) has a market cap of $5.17B. These valuation metrics are key factors in our Strong Buy Score calculation. See all metrics in the PDF report for comprehensive valuation analysis.

This LMND analysis is for educational and informational purposes only and does not constitute financial advice. All data is sourced from public filings and market feeds. Past performance does not guarantee future results. Read our full disclaimer.