Lemonade Q1 2025: IFP crosses $1B (+27% YoY); Adj. EBITDA loss $47M in line with guidance

Lemonade, Inc.

2025-Q1 EPS reported -$0.86 revenue$151,200,000

In Force Premium $1,008M (+27% YoY); revenue $151.2M (+27%).
TTM gross loss ratio 73% (within target); Q1 loss ratio 78% due to California Wildfires (16 pts).
Net loss $62.4M ($0.86/share); Adj. EBITDA loss $47M, includes ~$22M wildfire impact.
FY2025 guidance: IFP growth 28% reiterated; Adj. EBITDA loss $140-135M; GEP raised to $1,028-1,031M.
Lemonade Car had first quarter where sequential IFP growth outpaced rest of book; state coverage >40%.

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