{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-23-000092","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2023-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.874478+00:00","generated_at":"2026-06-12T14:01:30.535836+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 Q2 IFP up 50% to $687M, net loss $67.2M; raises FY 2023 guidance","bullets":["Q2 net loss $67.2M ($0.97/share) vs $67.9M prior year; Adj EBITDA loss $52.7M, better than expected despite 4x CAT losses.","IFP $686.6M (+50% YoY), revenue $104.6M (+109%); gross loss ratio 94% including 21 pts from severe convective storms.","55% quota share reinsurance renewed oversubscribed; new 'Synthetic Agents' CAC financing expected to boost capital efficiency.","California approved 30% homeowners rate hike and 23% pet rate increase; ~50% of new rates yet to earn in.","Raised full-year guidance: FY 2023 IFP $710-715M, revenue $402-408M, Adj EBITDA loss ($199)-($196)M."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-23-000092","json":"https://secwatch.observer/filing/0001691421-23-000092.json","markdown":"https://secwatch.observer/filing/0001691421-23-000092.md","text":"https://secwatch.observer/filing/0001691421-23-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000092/0001691421-23-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000092/lmnd-20230802.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T14:01:30.535836+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":"4af21ce50dca2794671838692752fe6af30ee010","claim":"Lemonade, Inc. reported the three and six months ended June 30, 2023 results: net income Net loss for the quarter was $67 million..","evidence_excerpt":"On August 2, 2023, Lemonade, Inc. (the \"Company\") announced its financial results for the three and six months ended June 30, 2023 by issuing a letter to shareholders.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000092/0001691421-23-000092-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and six months ended June 30, 2023"},{"label":"Net income","value":"Net loss for the quarter was $67 million."},{"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"}