{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-22-000036","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2022-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.857628+00:00","generated_at":"2026-06-25T22:29:35.083436+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Lemonade Q1 IFP $419M up 66% YoY; net loss $74.8M; guides FY22 IFP $535-545M ex-Metromile","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-22-000036","json":"https://secwatch.observer/filing/0001691421-22-000036.json","markdown":"https://secwatch.observer/filing/0001691421-22-000036.md","text":"https://secwatch.observer/filing/0001691421-22-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000036/0001691421-22-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000036/lmnd-20220509.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T22:29:35.083436+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"}