Lemonade Q4 revenue $41M (+100% YoY), net loss $70.3M; gross loss ratio 96%; 2022 peak loss year

Lemonade, Inc.

2021-FY EPS reported -$3.94 revenue$128,400,000

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.

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