{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-23-000012","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2023-02-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.162977+00:00","generated_at":"2026-06-19T05:04:18.672467+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lemonade Q4 2022: IFP $625M (+64% YoY), loss ratio 89%, guides Q1 2023 EBITDA loss $63-65M","bullets":["Q4 2022 IFP $625.1M (+64% YoY); customers 1.81M (+27%); premium per customer $346 (+30%).","Gross loss ratio 89% (down from 94% Q3 and 96% Q4 2021); net loss ratio 97%.","Revenue $88.4M (+116% YoY); net loss $63.7M ($0.93/share) vs $70.3M ($1.14) in Q4 2021.","Adjusted EBITDA loss $51.7M (vs $51.2M in Q4 2021); cash & investments $1.04B.","Guidance: Q1 2023 IFP $635-637M, revenue $87-89M, Adj. EBITDA loss ($65)-($63)M; FY 2023 IFP $695-700M, Adj. EBITDA loss ($245)-($240)M."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-23-000012","json":"https://secwatch.observer/filing/0001691421-23-000012.json","markdown":"https://secwatch.observer/filing/0001691421-23-000012.md","text":"https://secwatch.observer/filing/0001691421-23-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000012/0001691421-23-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000012/lmnd-20230222.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T05:04:18.672467+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":"4aeaedb7ceaa49b19465096278820d228e2d5fd4","claim":"Lemonade, Inc. reported the quarter ended December 31, 2022 results: net income $64 million. Guidance initiated.","evidence_excerpt":"Bottom line: Adjusted EBITDA Loss contracted to $52 million, down from $66 million in Q3; while Net Loss for the period was $64 million, down from $91 million in the prior quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000012/0001691421-23-000012-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$64 million"},{"label":"Guidance","value":"initiated"},{"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"}