{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-22-000052","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2022-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.675469+00:00","generated_at":"2026-06-24T02:52:37.825690+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Lemonade Q2 beats expectations: IFP $457.6M, Net Loss $67.9M; guides FY22 adj EBITDA loss ($245-240)M; Metromile closed","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-22-000052","json":"https://secwatch.observer/filing/0001691421-22-000052.json","markdown":"https://secwatch.observer/filing/0001691421-22-000052.md","text":"https://secwatch.observer/filing/0001691421-22-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000052/0001691421-22-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000052/lmnd-20220808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T02:52:37.825690+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"}