{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-23-000108","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.072946+00:00","generated_at":"2026-06-09T02:52:41.690142+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Lemonade Q3 revenue $114.5M (+55% YoY); expects cash-flow positive by late 2025","bullets":["Revenue $114.5M (+55% YoY); gross profit $21.9M (+170%); IFP $719M (+18%).","Net loss $61.5M improved 33% YoY; Adjusted EBITDA loss $40.2M improved 39%.","Gross loss ratio improved to 83% from 94% a year ago.","Expects to turn cash-flow positive in late 2025 (sooner than prior outlook); Adjusted EBITDA profitable in 2026.","California approved 51% rate increase for Car product (~50% of Car book in CA)."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-23-000108","json":"https://secwatch.observer/filing/0001691421-23-000108.json","markdown":"https://secwatch.observer/filing/0001691421-23-000108.md","text":"https://secwatch.observer/filing/0001691421-23-000108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000108/0001691421-23-000108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142123000108/lmnd-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T02:52:41.690142+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"}