{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-23-000051","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2023-05-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:40.065012+00:00","generated_at":"2026-06-16T01:14:25.031470+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lemonade Q1 net loss improves to $65.8M, guides 2023 EBITDA loss lower to ($205)-($200)M","bullets":["Q1 net loss $65.8M ($0.95/sh), improved 12% YoY; revenue $95.2M (+115% YoY) on strong premium growth.","In Force Premium $653.3M (+56% YoY); gross loss ratio 87% (down from 90% YoY); ADR all-time high 87% (+5pp).","Adjusted EBITDA loss $50.8M, improved 11% from $57.4M loss in Q1 2022.","FY 2023 guidance raised: IFP $700-705M (from $695-700M); Adj EBITDA loss ($205)-($200)M (from ($245)-($240)M).","Q2 2023 guidance: IFP $665-668M, revenue $96-98M, Adj EBITDA loss ($58)-($55)M."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-23-000051","json":"https://secwatch.observer/filing/0001691421-23-000051.json","markdown":"https://secwatch.observer/filing/0001691421-23-000051.md","text":"https://secwatch.observer/filing/0001691421-23-000051.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000051/0001691421-23-000051-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000051/lmnd-20230503.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T01:14:25.031470+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"}