{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-24-000019","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2024-02-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.134772+00:00","generated_at":"2026-06-05T12:10:44.271434+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lemonade Q4 revenue up 31% YoY; guides 2024 IFP growth ~26% with improving bottom line","bullets":["Q4 revenue $115.5M (+31% YoY); net loss $42.4M ($0.61/shr) improves 33% YoY.","Gross loss ratio 77% (improved 12 pts YoY); gross profit $33.6M (+165% YoY).","2024 guidance: IFP $938-942M (~26% growth); Adj. EBITDA loss $160-155M (~10% improvement).","Cash & investments $945M; on track for positive cash flow H1 2025, Adj. EBITDA positive by 2026.","Europe contributes ~30% of net-new customers; homeowners rebalancing continues."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-24-000019","json":"https://secwatch.observer/filing/0001691421-24-000019.json","markdown":"https://secwatch.observer/filing/0001691421-24-000019.md","text":"https://secwatch.observer/filing/0001691421-24-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000019/0001691421-24-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000019/lmnd-20240227.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T12:10:44.271434+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":"efc1cc19ec20cc6790ae193b11e62e857f3cefef","claim":"Lemonade, Inc. reported financial results for the quarter and year ended December 31, 2023.","evidence_excerpt":"On February 27, 2024, Lemonade, Inc. (the \"Company\") announced its financial results for the quarter and year ended December 31, 2023 by issuing a letter to shareholders.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000019/0001691421-24-000019-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2023"},{"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"}