secwatch.observer — SEC 8-K summary
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Issuer:     Lemonade, Inc. (LMND)
CIK:        0001691421
Form:       8-K
Filed at:   2025-08-05T23:59:59+00:00
Accession:  0001691421-25-000120
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1691421/000169142125000120/0001691421-25-000120-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1691421/000169142125000120/lmnd-20250805.htm
  HTML page:      https://secwatch.observer/filing/0001691421-25-000120

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer