{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-24-000128","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.243658+00:00","generated_at":"2026-05-30T08:21:07.501408+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lemonade Q3 NCF positive $48M, IFP +24% to $889M, loss ratio improves 10pts to 73%","bullets":["Revenue $136.6M (+19% YoY); gross profit $37.5M (+71% YoY) on higher premium and lower loss ratio.","Gross loss ratio 73% (down 10pts YoY); TTM gross loss ratio 77% (down 11pts), 5th consecutive sequential improvement.","Net cash flow positive $48M; operating cash flow $16M. Reiterates sustainable NCF positivity exiting 2024.","Net loss $68M (+10% YoY); Adj EBITDA loss $49M (+22% YoY) driven by 3x increase in growth spend.","Customer count up 17% to 2.3M; premium per customer $384 (+6%); ADR 87% (+2pts); headcount down 7% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-24-000128","json":"https://secwatch.observer/filing/0001691421-24-000128.json","markdown":"https://secwatch.observer/filing/0001691421-24-000128.md","text":"https://secwatch.observer/filing/0001691421-24-000128.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000128/0001691421-24-000128-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142124000128/lmnd-20241030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:21:07.501408+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"}