{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-22-000080","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2022-11-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.725005+00:00","generated_at":"2026-06-22T03:57:29.146511+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Lemonade Q3 revenue $74M (+107%), net loss $91M; gross loss ratio jumps to 94%","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-22-000080","json":"https://secwatch.observer/filing/0001691421-22-000080.json","markdown":"https://secwatch.observer/filing/0001691421-22-000080.md","text":"https://secwatch.observer/filing/0001691421-22-000080.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000080/0001691421-22-000080-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000080/lmnd-20221108.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T03:57:29.146511+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":[{"claim_id":"fa2f3aa9b8f1b025f8efdb6ddd1cd2d5f3301df0","claim":"Lemonade, Inc. reported the quarter ended September 30, 2022 results: revenue $74.0 million, net income Net loss for the period was $91 million.. Guidance reaffirmed.","evidence_excerpt":"by $56.8 million or 71% as compared to the third quarter of 2021, primarily due to the increase of in force premium earned during the quarter. Revenue Third quarter revenue of $74.0 million increased by $38.3 million or 107% as compared to the third quarter of 2021, primarily due to the increase of gross earned premium during the quarter, and to a lesser extent, a","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1691421/000169142122000080/0001691421-22-000080-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Revenue","value":"$74.0 million"},{"label":"Net income","value":"Net loss for the period was $91 million."},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}