{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-25-000021","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2025-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.462991+00:00","generated_at":"2026-05-26T04:48:53.784703+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Lemonade's best quarter ever: Q4 IFP $944M (+26%), gross loss ratio 63%, Adj. FCF $27M","bullets":["FY 2024: IFP $944M (+26% YoY), revenue +29%, gross profit nearly doubled to $167M, Adj. EBITDA loss ($150M) improved 13%.","Q4 2024: Gross profit $64M (+90% YoY), gross margin 43% (+14pts); Adj. EBITDA loss ($24M) improved 18%; net loss ($30M) improved 29%.","CA wildfires estimated to cause $45M gross losses in Q1 2025, $20M Adj. EBITDA impact; company maintains FY25 Adj. EBITDA loss guidance of ($140)-($135)M.","Pet insurance IFP $283M (+57% YoY); Synthetic Agent program extended to Dec 2026, $200M additional availability, net outstanding $83M.","FY25 guidance: IFP $1,203-1,208M (+28% growth), revenue $655-657M, Q1 Adj. EBITDA loss ($49)-($46)M including wildfire impact."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-25-000021","json":"https://secwatch.observer/filing/0001691421-25-000021.json","markdown":"https://secwatch.observer/filing/0001691421-25-000021.md","text":"https://secwatch.observer/filing/0001691421-25-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000021/0001691421-25-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000021/lmnd-20250225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T04:48:53.784703+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"}