{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-22-000012","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2022-02-23T23:59:59+00:00","discovered_at":"2026-05-14T18:04:07.831486+00:00","generated_at":"2026-06-27T05:32:51.244288+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lemonade Q4 revenue $41M (+100% YoY), net loss $70.3M; gross loss ratio 96%; 2022 peak loss year","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-22-000012","json":"https://secwatch.observer/filing/0001691421-22-000012.json","markdown":"https://secwatch.observer/filing/0001691421-22-000012.md","text":"https://secwatch.observer/filing/0001691421-22-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000012/0001691421-22-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000012/lmnd-20220223.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T05:32:51.244288+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}