{"filings":[{"id":1922081,"accession_number":"0001691421-26-000050","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-07-28T23:11:55+00:00","items":["5.02"],"status":"ready","headline":"Lemonade CFO Tim Bixby to transition to board; Nick Stead named new CFO effective Jan 1, 2027","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tim Bixby to step down as CFO and become Class III board member effective Jan 1, 2027.","Nick Stead, current SVP Finance, appointed CFO effective Jan 1, 2027; will be principal financial and accounting officer.","Stead previously served as VP Finance, SVP Finance, and was instrumental in IPO, secondary offering, and strategic acquisition.","Transition agreement and compensation terms for both executives to be disclosed in a future 8-K amendment.","No family relationships or material interests between Stead and any director or executive officer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1922083,"accession_number":"0001691421-26-000047","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-07-28T23:00:09+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 IFP up 32% to $1.43B; Adj. EBITDA loss narrows 54%; expects positive Adj. EBITDA in Q4 2026","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP $1.43B (+32% YoY), revenue $294M (+79%), gross profit $113M (+76%).","Adj. EBITDA loss ($19)M, improved 54% YoY; net loss ($43)M in line with prior year.","LAE ratio dropped to 5% from 13% a year ago, a record low.","Reinsurance renewal reduces quota share to ~18%, expands catastrophe protection to $40M per event.","Guidance: Q3 Adj. EBITDA loss ($23)-($20)M; full year loss ($51)-($47)M; Q4 Adj. EBITDA positive ~$8M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1231837,"accession_number":"0001691421-26-000041","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-06-24T12:01:58+00:00","items":["1.01","2.03"],"status":"ready","headline":"Lemonade secures up to $250M financing from Hannover Re for growth spend through 2028","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Hannover Re will provide up to $150M in 2027 and up to $250M in 2028 for sales and marketing (Growth Spend).","Financing covers up to 80% of monthly Growth Spend, max $20M per customer cohort; repayments based on premium collections.","Return rate is the greater of 0% or 3-year U.S. Treasury rate plus 5.8%.","After full repayment, Lemonade retains all future premiums from financed cohorts."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":888038,"accession_number":"0001691421-26-000038","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-06-05T20:02:05+00:00","items":["5.07"],"status":"ready","headline":"Lemonade shareholders re-elect Eisenberg & Schwartz, ratify E&Y, approve say-on-pay at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Michael Eisenberg: 27,119,000 for, 7,419,671 withheld; Debra Schwartz: 30,242,730 for, 4,295,941 withheld; both re-elected to Class III through 2029.","Ratification of Ernst & Young as FY2026 auditor: 53,510,757 for, 227,383 against, 128,380 abstentions.","Advisory say-on-pay approved: 26,476,061 for, 7,955,312 against, 107,298 abstentions; broker non-votes 19,327,849.","53,866,520 shares voted (70.12% of voting power) as of record date April 9, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94723,"accession_number":"0001691421-26-000029","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q1 2026 IFP up 32%, Gross Profit +159% YoY, Adj. EBITDA Loss Narrows to $17M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["In Force Premium reached $1.33B, up 32% YoY; revenue $258M, up 71% YoY.","Gross profit $100M, up 159% YoY; Adj. EBITDA loss ($17M), 64% improvement.","Net loss ($36M), 43% improvement; Adj. Free Cash Flow $17M from ($31M) a year ago.","Pet insurance IFP surpassed $500M; Car IFP grew 60% YoY, fastest growth rate.","Guidance raised: FY 2026 IFP growth 33%, Adj. EBITDA loss improved to ($51)-($47)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":258000000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107313,"accession_number":"0001691421-26-000006","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-02-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q4 2025: IFP $1.24B (+31%), revenue $228M (+53%), Adj. EBITDA loss narrows to $5M; guides FY26 IFP growth 32%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 revenue $228M (+53% YoY); GAAP net loss $22M improves 28%; gross profit $111M (+73%) with gross loss ratio 52%.","In Force Premium $1.237B (+31%); total customers 2.98M (+23%); premium per customer $414 (+7%).","Adjusted EBITDA loss $5M, improving $19M YoY; Adj. free cash flow $37M, operating cash flow $21M.","FY 2026 guidance: IFP growth 32% (up 200bps from prior view); Adj. EBITDA loss ($52M)-($48M) (>50% improvement); expects positive Adj. EBITDA in Q4 2026.","Segment highlights: Pet IFP $439M (+55%), Europe IFP $60M (+150%), Car IFP $187M (+53%) with loss ratio improvements of 1pt, 16pts, 23pts respectively."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":737900000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107312,"accession_number":"0001691421-26-000003","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Lemonade's Metromile-related warrants expire Feb 9; trading suspended after Feb 5","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 7,846,646 warrants with exercise price $218.51 from 2021 Metromile merger.","Warrants expire Monday, February 9, 2026 at 5:00 PM Eastern Time.","NYSE will suspend trading of LMND.WS after market close on February 5, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123671,"accession_number":"0001691421-25-000146","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q3 IFP growth accelerates to 30%; gross profit more than doubles YoY to $80M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP $1,158M (+30% YoY); eighth consecutive quarter of accelerating growth; Car IFP $163M (+40% YoY).","Gross profit $80M (+113% YoY); margin 41% (+14 pts); gross loss ratio 62% (+11 pts YoY, best ever).","Net loss $38M (improved 45%); Adj. EBITDA loss $26M (improved 48%); Adj. FCF +$18M, operating cash flow +$5M.","Raised FY25 guidance: IFP $1,218-1,223M, Adj. EBITDA loss ($130)-($127)M; expect positive Adj. EBITDA in Q4 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":509800000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123670,"accession_number":"0001691421-25-000142","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-10-15T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Lemonade appoints Prashant Ratanchandani to Board as Class II director effective Oct 15, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Mr. Ratanchandani joins as a Class II director with term expiring at 2028 annual meeting.","Receives annual cash retainer of $30,000, paid quarterly for board service.","Initial RSU award of $175,000 vests in equal annual installments over three years.","Annual RSU award of $150,000 granted after each annual meeting, vesting one year later.","No family relationships or material interests with other directors or officers disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123669,"accession_number":"0001691421-25-000138","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-10-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Lemonade appoints Geoff Seeley to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective October 6, 2025; Seeley serves as Class I director through 2027 annual meeting.","Eligible for standard non-employee director compensation: $30k annual cash retainer.","Initial RSU award of $175k vesting over 3 years; annual RSU award of $150k vesting in 1 year.","Entered into standard indemnification agreement; no family relationships or material interests."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140354,"accession_number":"0001691421-25-000120","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 IFP $1.08B (+29%), gross profit +109%, raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP $1.08B (+29% YoY), 7th consecutive quarter of accelerating growth; revenue grew 35%.","Gross loss ratio 67% in Q2 (12 pts YoY improvement); TTM loss ratio 70%, down 3 pts sequentially.","Gross profit $64.3M (+109%), margin 39% (+14 pts); net loss ($44M) improved 23% YoY.","Car segment IFP +12% sequentially; gross loss ratio 82% (13 pts YoY improvement).","Raised FY2025 IFP/GEP/revenue guidance; reiterated Adj. EBITDA; expect positive Adj. FCF and Adj. EBITDA by end FY2026."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":315300000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140353,"accession_number":"0001691421-25-000108","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-07-02T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"Lemonade reduces ceded quota share reinsurance from ~55% to ~20% effective July 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New reinsurance program effective July 1, 2025 through June 30, 2026 with Hannover and MAPFRE.","Ceded proportion reduced from approximately 55% to approximately 20% under quota share contracts.","Variable ceding commission rate expected to be roughly equivalent to the expiring agreements.","Other ancillary reinsurance programs expected to renew at terms roughly in line with expiring agreements.","Contracts to be filed as exhibits to Q2 2025 10-Q with confidential redactions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158001,"accession_number":"0001691421-25-000081","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-06-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Lemonade holds 2025 annual meeting; elects directors, ratifies EY, approves say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["68.41% of voting power represented; Shai Wininger and Dr. Samer Haj-Yehia elected as Class II directors.","Wininger received 30,267,707 votes for, 4,925,086 withheld; Haj-Yehia 30,967,997 for, 4,224,797 withheld.","Ernst & Young ratified as independent auditor for FY2025 with 48,501,890 votes for, 193,927 against.","Advisory vote on named executive officer compensation passed with 33,871,425 for, 1,070,302 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158000,"accession_number":"0001691421-25-000062","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q1 2025: IFP crosses $1B (+27% YoY); Adj. EBITDA loss $47M in line with guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["In Force Premium $1,008M (+27% YoY); revenue $151.2M (+27%).","TTM gross loss ratio 73% (within target); Q1 loss ratio 78% due to California Wildfires (16 pts).","Net loss $62.4M ($0.86/share); Adj. EBITDA loss $47M, includes ~$22M wildfire impact.","FY2025 guidance: IFP growth 28% reiterated; Adj. EBITDA loss $140-135M; GEP raised to $1,028-1,031M.","Lemonade Car had first quarter where sequential IFP growth outpaced rest of book; state coverage >40%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":151200000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157999,"accession_number":"0001691421-25-000053","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-04-09T23:59:59+00:00","items":["1.02","8.01"],"status":"ready","headline":"Lemonade ends Chewy warrant deal; 190K driver's license numbers exposed","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["Terminated warrant agreement with Chewy; 3,170,834 remaining shares cancelled, 181,191 previously exercised.","Agency agreement with Chewy remains in effect; omnibus agreement also terminated.","Data incident: ~190,000 driver's license numbers sent unencrypted via API call to third-party provider.","Company states operations not compromised and incident is not material; regulators notified."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176393,"accession_number":"0001691421-25-000021","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-02-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade's best quarter ever: Q4 IFP $944M (+26%), gross loss ratio 63%, Adj. 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EBITDA loss ($49)-($46)M including wildfire impact."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.85,"consensus_revenue_estimate":null,"consensus_revenue_actual":526500000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176392,"accession_number":"0001691421-25-000010","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-02-07T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Lemonade expands customer investment financing to $200M for 2026 growth","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amended customer investment agreement increases 2026 commitment from $140M to $200M for sales and marketing.","Investors provide up to 80% of Growth Spend; repayment continues until 16% IRR is achieved.","Previous agreement: up to $150M through Dec 2024 and $140M for 2025; new amendment covers 2026.","Financing backed by Reference Income from customer cohorts; retains standard representations and covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176391,"accession_number":"0001691421-25-000007","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2025-01-06T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Lemonade President confirms company has not yet reached $1B in-force premium","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Confirms Lemonade's in-force premium has not yet reached $1 billion as of January 2, 2025.","President and Co-Founder Shai Wininger made the disclosure in response to a Twitter post.","Filing does not provide an updated in-force premium figure or timeline to reach the milestone."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193246,"accession_number":"0001691421-24-000128","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q3 NCF positive $48M, IFP +24% to $889M, loss ratio improves 10pts to 73%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $136.6M (+19% YoY); gross profit $37.5M (+71% YoY) on higher premium and lower loss ratio.","Gross loss ratio 73% (down 10pts YoY); TTM gross loss ratio 77% (down 11pts), 5th consecutive sequential improvement.","Net cash flow positive $48M; operating cash flow $16M. Reiterates sustainable NCF positivity exiting 2024.","Net loss $68M (+10% YoY); Adj EBITDA loss $49M (+22% YoY) driven by 3x increase in growth spend.","Customer count up 17% to 2.3M; premium per customer $384 (+6%); ADR 87% (+2pts); headcount down 7% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":377700000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209610,"accession_number":"0001691421-24-000100","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 2024 turns net cash flow positive; loss ratio improves 15 pts to 79%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net cash flow positive in Q2; expects to remain positive except Q4 2024 due to seasonality.","In Force Premium $838.8M (+22% YoY); revenue $122.0M (+17%); gross loss ratio 79%.","Gross profit $30.8M (+155%); gross margin doubled to 25%; operating expense up 13%.","Adjusted EBITDA loss -$43M (-18% YoY); net loss -$57M (-15%).","Non-renewing CAT-exposed homeowners policies; IFP impact of $20-25M built into guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":241100000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227716,"accession_number":"0001691421-24-000073","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-06-11T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Lemonade holds 2024 annual meeting; all stockholder proposals approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Daniel Schreiber and Mwashuma Nyatta re-elected as Class I directors with 24.99M and 23.99M votes for, respectively.","Ratification of Ernst & Young as auditor for FY2024: 44.02M for, 268K against, 310K abstain.","Advisory vote on executive compensation approved: 24.58M for, 3.52M against, 257K abstain.","Approximately 46.6M shares voted, representing 66.15% of outstanding common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227715,"accession_number":"0001691421-24-000054","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q1 2024: revenue +25%, net loss narrows to $47M; pushes cash-flow breakeven to year-end 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP $794M (+22% YoY), revenue $119M (+25%), gross profit $34.7M (+110%), gross loss ratio 79% (improved 8 pts YoY).","Net loss ($47.3M) vs ($65.8M) a year ago; adjusted EBITDA loss ($33.9M), improved 33% YoY.","Cash-flow breakeven target accelerated from H1 2025 to year-end 2024; expects positive cash flow by Q1 2025.","Customers 2.09M (+13%), premium per customer $379 (+8%), ADR 88% (+1 ppt). Headcount down 11% YoY.","Guidance: FY 2024 IFP $940-944M, revenue $511-515M, adj EBITDA loss ($155)-($151)M; Q2 IFP $839-841M, revenue $118-120M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":119100000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246527,"accession_number":"0001691421-24-000019","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-02-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Lemonade Q4 revenue up 31% YoY; guides 2024 IFP growth ~26% with improving bottom line","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $115.5M (+31% YoY); net loss $42.4M ($0.61/shr) improves 33% YoY.","Gross loss ratio 77% (improved 12 pts YoY); gross profit $33.6M (+165% YoY).","2024 guidance: IFP $938-942M (~26% growth); Adj. EBITDA loss $160-155M (~10% improvement).","Cash & investments $945M; on track for positive cash flow H1 2025, Adj. EBITDA positive by 2026.","Europe contributes ~30% of net-new customers; homeowners rebalancing continues."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":429800000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246526,"accession_number":"0001691421-24-000006","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2024-01-11T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Lemonade amends customer investment deal, lines up up to $290M for growth","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Investors commit up to $150M through Dec 2024 and $140M through Dec 2025 for sales and marketing.","Investors fund up to 80% of Growth Spend per Reference Cohort; payback via share of Reference Income.","Company pays investors until they achieve 16% IRR; thereafter Company retains all future income.","Agreement carries standard representations, warranties, and covenants; may be terminated per terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":263945,"accession_number":"0001691421-23-000137","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-12-20T23:59:59+00:00","items":["5.03","5.02"],"status":"ready","headline":"Lemonade shifts from co-CEOs to single CEO; Schreiber CEO, Wininger President","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Effective Jan 1, 2024, Shai Wininger becomes President, Daniel Schreiber becomes CEO.","No changes to compensatory arrangements for either executive.","Board also approved bylaw amendments addressing universal proxy rules and stockholder nominations.","Bylaw changes require additional disclosures and proxy card color other than white for non-Board solicitations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":263944,"accession_number":"0001691421-23-000121","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-11-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Lemonade board replaces Novoselsky and Martincevic with Schwartz and Haj-Yehia","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Directors Irina Novoselsky and Silvija Martincevic resigned Nov 21, 2023; not due to any disagreement with company.","Debra Schwartz (Class III) and Samer Haj-Yehia (Class II) appointed to fill vacant seats effective immediately.","Schwartz joins Audit and Nominating & Corp Gov committees; Haj-Yehia joins Audit and Compensation committees.","Schwartz appointed Chair of Nominating & Corp Gov; Haj-Yehia appointed Chair of Audit Committee.","New directors receive standard non-employee director compensation including $30k cash retainer and equity awards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":263943,"accession_number":"0001691421-23-000108","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q3 revenue $114.5M (+55% YoY); expects cash-flow positive by late 2025","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $114.5M (+55% YoY); gross profit $21.9M (+170%); IFP $719M (+18%).","Net loss $61.5M improved 33% YoY; Adjusted EBITDA loss $40.2M improved 39%.","Gross loss ratio improved to 83% from 94% a year ago.","Expects to turn cash-flow positive in late 2025 (sooner than prior outlook); Adjusted EBITDA profitable in 2026.","California approved 51% rate increase for Car product (~50% of Car book in CA)."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":314300000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":281178,"accession_number":"0001691421-23-000092","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 IFP up 50% to $687M, net loss $67.2M; raises FY 2023 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net loss $67.2M ($0.97/share) vs $67.9M prior year; Adj EBITDA loss $52.7M, better than expected despite 4x CAT losses.","IFP $686.6M (+50% YoY), revenue $104.6M (+109%); gross loss ratio 94% including 21 pts from severe convective storms.","55% quota share reinsurance renewed oversubscribed; new 'Synthetic Agents' CAC financing expected to boost capital efficiency.","California approved 30% homeowners rate hike and 23% pet rate increase; ~50% of new rates yet to earn in.","Raised full-year guidance: FY 2023 IFP $710-715M, revenue $402-408M, Adj EBITDA loss ($199)-($196)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":199800000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299922,"accession_number":"0001691421-23-000084","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-06-29T23:59:59+00:00","items":["1.01","2.03","7.01"],"status":"ready","headline":"Lemonade enters up to $150M customer investment agreement for sales and marketing","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Investors provide up to $150M over 18 months; Lemonade pays share of Reference Income.","Investors fund up to 80% of Growth Spend for each Reference Cohort.","Company pays Investor Sharing Percentage until investors achieve 16% IRR, then retains all future income.","Agreement created direct financial obligation; blog post with long-term projections published.","Standard representations, warranties, and termination provisions apply."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299921,"accession_number":"0001691421-23-000078","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-06-27T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"Lemonade enters 2024 reinsurance program ceding ~55% of premium to Hannover, MAPFRE, Swiss Re","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reinsurance program effective July 1, 2023 to June 30, 2024 with three reinsurers.","Proportional quota share cedes ~55% of premium across all products/geographies; per risk cap $750,000.","Separate PPR contract cedes claims >$750k 100% up to $2.25M; automatic facultative contract covers claims >$3M with up to $10M+ recovery.","Contracts include loss ratio caps, variable commissions to align interests with reinsurers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299920,"accession_number":"0001691421-23-000065","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-06-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Lemonade holds 2023 annual meeting; all shareholder proposals approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Both director nominees elected: Silvija Martincevic (30.1M for) and Michael Eisenberg (29.4M for) to serve until 2026.","Ratification of Ernst & Young as independent auditor for FY2023 approved (46.8M for, 256K against).","Advisory vote on named executive officer compensation approved (26.6M for, 5.7M against, 14.7M broker non-votes).","Meeting held June 7, 2023; 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gross loss ratio 87% (down from 90% YoY); ADR all-time high 87% (+5pp).","Adjusted EBITDA loss $50.8M, improved 11% from $57.4M loss in Q1 2022.","FY 2023 guidance raised: IFP $700-705M (from $695-700M); Adj EBITDA loss ($205)-($200)M (from ($245)-($240)M).","Q2 2023 guidance: IFP $665-668M, revenue $96-98M, Adj EBITDA loss ($58)-($55)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.95,"consensus_revenue_estimate":null,"consensus_revenue_actual":95200000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320022,"accession_number":"0001691421-23-000041","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-03-10T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Lemonade says SVB liquidity exposure immaterial, less than $7,000 in cash at bank","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Cash held at Silicon Valley Bank is less than $7,000, below FDIC-insured limit of $250,000.","Company uses large financial institutions for commercial banking services not currently exposed to liquidity risk.","Believes cash and assets are well diversified to minimize overall risk."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320021,"accession_number":"0001691421-23-000021","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-03-02T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Lemonade's Chief Business Development Officer Jorge Espinel resigns effective March 1, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jorge Espinel resigns as Chief Business Development Officer, effective March 1, 2023.","Company extends exercise period for his vested stock options from 90 days to three years in exchange for a general release of claims.","No successor has been announced for the role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320020,"accession_number":"0001691421-23-000012","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2023-02-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q4 2022: IFP $625M (+64% YoY), loss ratio 89%, guides Q1 2023 EBITDA loss $63-65M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2022 IFP $625.1M (+64% YoY); customers 1.81M (+27%); premium per customer $346 (+30%).","Gross loss ratio 89% (down from 94% Q3 and 96% Q4 2021); net loss ratio 97%.","Revenue $88.4M (+116% YoY); net loss $63.7M ($0.93/share) vs $70.3M ($1.14) in Q4 2021.","Adjusted EBITDA loss $51.7M (vs $51.2M in Q4 2021); cash & investments $1.04B.","Guidance: Q1 2023 IFP $635-637M, revenue $87-89M, Adj. EBITDA loss ($65)-($63)M; FY 2023 IFP $695-700M, Adj. EBITDA loss ($245)-($240)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-4.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":256700000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338180,"accession_number":"0001691421-22-000080","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-11-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q3 revenue $74M (+107%), net loss $91M; gross loss ratio jumps to 94%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $74.0M (+107% YoY); net loss $91.4M ($1.37/sh) vs $66.4M ($1.08).","In-force premium $609.2M (+76%); customers 1.78M (+30%); premium per customer $343 (+35%).","Gross loss ratio 94% (up from 77%) due to Metromile integration and Hurricane Ian; net loss ratio 105%.","Q4 2022 guidance: IFP $612-615M; revenue $77-80M; adj. EBITDA loss ($65)-($62)M.","Chewy partnership (Spring 2023) for pet insurance; UK contents product launched; growth slowdown to 20-25%."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":168300000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338179,"accession_number":"0001691421-22-000073","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-10-20T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"Lemonade issues warrant to Chewy Insurance Services for up to 3.35M shares at $0.01","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Warrant to purchase 3,352,025 shares of common stock at $0.01 per share, vesting over five years with performance conditions.","Entered into commercial agency agreement with Chewy Insurance Services on same date.","Amended investors' rights agreement to grant registration rights to Chewy and file Form S-3 by Dec 31, 2023.","Warrant issued in private placement, unregistered under Securities Act; contains 4.999% beneficial ownership limitation.","Chewy may transfer warrant to affiliates, lenders, or with company consent; subject to restrictions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338178,"accession_number":"0001691421-22-000068","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K/A","filed_at":"2022-10-11T23:59:59+00:00","items":["9.01","2.01"],"status":"ready","headline":"Lemonade files pro forma financials for Metromile acquisition showing combined net loss of $448M in FY2021","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Pro forma FY2021 combined net loss $448.1M; diluted EPS loss $6.58.","Pro forma Q1 2022 combined net loss $107.5M; diluted EPS loss $1.57.","Bargain purchase gain of $19.1M from net assets ($156.8M) exceeding purchase price ($137.7M).","Acquired identifiable intangible assets valued at $36.0M (tech & licenses); tech amortized over 3 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":355553,"accession_number":"0001691421-22-000052","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 beats expectations: IFP $457.6M, Net Loss $67.9M; guides FY22 adj EBITDA loss ($245-240)M; Metromile closed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 results ahead of expectations: IFP $457.6M (+54% YoY), revenue $50M (+77%), Net Loss $67.9M ($1.10/share), Adj EBITDA loss $50.3M.","Metromile acquisition closed July 28 for ~$145M in stock; added $110M IFP, >$155M cash, 49 state licenses.","FY22 consolidated guidance: IFP $610-615M, Adj EBITDA loss ($245-240)M, improved from prior standalone ($280-265)M; peak losses expected Q3 2022.","Gross loss ratio improved to 86% from 96% in Q4 2021; cross-sells/upsells 23% of sales; LTV6 model deployed to rebalance portfolio.","Company fully funded to profitability; moderated growth spend and hiring; expects to achieve profitability without further capital raise."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":94300000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":355552,"accession_number":"0001104659-22-083465","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["2.01","5.02","7.01","9.01"],"status":"ready","headline":"Lemonade completes Metromile acquisition for ~$145M in stock; receives $155M cash and $110M premiums","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Deal closed July 28, 2022; Metromile shareholders received 7.3 million LMND shares.","Lemonade gains over $155M cash, over $110M in auto premiums, and insurance licenses in 49 states.","Metromile CEO Dan Preston becomes SVP of Strategic Initiatives; most Metromile employees transition.","Metromile brand to sunset after customer migration; MILE stock ceases trading on Nasdaq."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373753,"accession_number":"0001691421-22-000049","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-06-14T23:59:59+00:00","items":["5.02","5.07","8.01"],"status":"ready","headline":"Lemonade updates Metromile acquisition timeline; close expected early Q3 2022","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Metromile acquisition (all-stock, 19:1) expected early Q3 2022; DOJ approved.","Director Mwashuma Nyatta reclassified from Class II to Class I effective June 13, 2022 to rebalance board.","Annual meeting: stockholders elected three directors, ratified EY as auditor, and recommended annual say-on-pay votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373752,"accession_number":"0001691421-22-000036","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q1 IFP $419M up 66% YoY; net loss $74.8M; guides FY22 IFP $535-545M ex-Metromile","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP at $419M, up 66% YoY; customers up 37% to 1.5M; premium per customer $279 (+22%).","Revenue $44.3M (+89%); adjusted gross profit $16.3M (+226%); gross loss ratio 90% vs 121% prior year.","Net loss $74.8M ($1.21/sh) vs $49M loss; adjusted EBITDA loss $57.4M vs $41.3M loss.","Q2 guidance: IFP $445-450M, adj EBITDA loss $70-65M; FY22 IFP $535-545M (ex-Metromile), adj EBITDA loss $280-265M.","Illinois mega-bundle customers show 40% higher bundle rates; overall annual dollar retention 82%."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":44300000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373751,"accession_number":"0001691421-22-000026","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-04-14T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Caryn Seidman-Becker resigns from Lemonade board effective June 8, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Resignation announced on April 14, 2022, effective after the 2022 Annual Meeting of Stockholders.","Seidman-Becker served as a Class I director with term expiring at 2024 Annual Meeting.","No reason for resignation was disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":392426,"accession_number":"0001691421-22-000017","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-03-09T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Lemonade approves $848,747 special cash bonus to COO Adina Eckstein","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board approved one-time cash bonus of $848,747 to COO Adina Eckstein.","Bonus is effective immediately as of March 6, 2022.","No other executive compensation changes or arrangements disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":392425,"accession_number":"0001691421-22-000012","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2022-02-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q4 revenue $41M (+100% YoY), net loss $70.3M; gross loss ratio 96%; 2022 peak loss year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $41.0M (+100% YoY); gross earned premium $89.3M (+79%). Net loss $70.3M ($1.14 loss per share) vs $33.9M loss in Q4 2020.","Gross loss ratio 96% (up from 73% Q4 2020, 77% Q3 2021), driven by unfavorable prior-period development and mix shift to home & pet.","Customers 1.43M (+43%), in-force premium $380.1M (+78%), premium per customer $266 (+25%), annual dollar retention 82% (+4ppts).","FY 2022 guidance (ex-Metromile): IFP $530-540M, revenue $202-205M, Adj EBITDA loss $(290)-(275)M. Calls 2022 'peak losses'; Metromile deal expected Q2 close."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":128400000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":410772,"accession_number":"0001691421-21-000092","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2021-11-09T23:59:59+00:00","items":["1.01","2.02","7.01","9.01"],"status":"ready","headline":"Lemonade to acquire Metromile (0.05263x); Q3 IFP $347M (+84% YoY)","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger: each Metromile share converts to 0.05263 LMND shares; termination fee $12.5M; expected close by Aug 8, 2022.","Q3 IFP $347M, up 84% YoY; record $50M sequential IFP increase.","Customer count ~1.4M; non-renters share 47% (up from 44%); pet 15%, life 2%, homeowners 30%.","Advertising efficiency declined 26% YoY due to industry-wide media cost increases.","Lemonade Car launched; Metromile acquisition expected to enhance car insurance with sensor data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":4469049281.865619,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":429536,"accession_number":"0001691421-21-000077","cik":1691421,"company_name":"Lemonade, Inc.","ticker":"LMND","form_type":"8-K","filed_at":"2021-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lemonade Q2 IFP up 91% to $297M; net loss $55.6M; reinsurance cut to 70% cede","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["IFP $296.8M (+91% YoY); customers 1.21M (+48%); premium per customer $246 (+29%)","Net loss $55.6M ($0.90/share) vs $21.0M loss in Q2 20; adjusted EBITDA loss $40.4M","Quota share reinsurance renewed; cede reduced from 75% to 70% starting Q3 21","Q3 21 guidance: IFP $336-339M, revenue $32.5-33.5M, adj. 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