---
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"
generated_at: "2026-05-17T20:48:22.352909+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Lemonade Q2 IFP $1.08B (+29%), gross profit +109%, raises FY guidance

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001691421-25-000120
- JSON: https://secwatch.observer/filing/0001691421-25-000120.json
- Plain text: https://secwatch.observer/filing/0001691421-25-000120.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.