{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-25-000120","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2025-08-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.679367+00:00","generated_at":"2026-05-17T20:48:22.352909+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 IFP $1.08B (+29%), gross profit +109%, raises FY guidance","bullets":["IFP $1.08B (+29% YoY), 7th consecutive quarter of accelerating growth; revenue grew 35%.","Gross loss ratio 67% in Q2 (12 pts YoY improvement); TTM loss ratio 70%, down 3 pts sequentially.","Gross profit $64.3M (+109%), margin 39% (+14 pts); net loss ($44M) improved 23% YoY.","Car segment IFP +12% sequentially; gross loss ratio 82% (13 pts YoY improvement).","Raised FY2025 IFP/GEP/revenue guidance; reiterated Adj. EBITDA; expect positive Adj. FCF and Adj. EBITDA by end FY2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-25-000120","json":"https://secwatch.observer/filing/0001691421-25-000120.json","markdown":"https://secwatch.observer/filing/0001691421-25-000120.md","text":"https://secwatch.observer/filing/0001691421-25-000120.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000120/0001691421-25-000120-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000120/lmnd-20250805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T20:48:22.352909+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"}