{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-24-000100","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2024-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.127476+00:00","generated_at":"2026-05-31T15:20:39.007091+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 2024 turns net cash flow positive; loss ratio improves 15 pts to 79%","bullets":["Net cash flow positive in Q2; expects to remain positive except Q4 2024 due to seasonality.","In Force Premium $838.8M (+22% YoY); revenue $122.0M (+17%); gross loss ratio 79%.","Gross profit $30.8M (+155%); gross margin doubled to 25%; operating expense up 13%.","Adjusted EBITDA loss -$43M (-18% YoY); net loss -$57M (-15%).","Non-renewing CAT-exposed homeowners policies; IFP impact of $20-25M built into guidance."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-24-000100","json":"https://secwatch.observer/filing/0001691421-24-000100.json","markdown":"https://secwatch.observer/filing/0001691421-24-000100.md","text":"https://secwatch.observer/filing/0001691421-24-000100.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000100/0001691421-24-000100-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000100/lmnd-20240730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:20:39.007091+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"}