{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-25-000062","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2025-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.355715+00:00","generated_at":"2026-05-22T12:46:54.974264+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 Q1 2025: IFP crosses $1B (+27% YoY); Adj. EBITDA loss $47M in line with guidance","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-25-000062","json":"https://secwatch.observer/filing/0001691421-25-000062.json","markdown":"https://secwatch.observer/filing/0001691421-25-000062.md","text":"https://secwatch.observer/filing/0001691421-25-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000062/0001691421-25-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000062/lmnd-20250506.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T12:46:54.974264+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"}