Lemonade Q3 IFP growth accelerates to 30%; gross profit more than doubles YoY to $80M

Lemonade, Inc.

2025-Q3 EPS reported -$1.96 revenue$509,800,000

IFP $1,158M (+30% YoY); eighth consecutive quarter of accelerating growth; Car IFP $163M (+40% YoY).
Gross profit $80M (+113% YoY); margin 41% (+14 pts); gross loss ratio 62% (+11 pts YoY, best ever).
Net loss $38M (improved 45%); Adj. EBITDA loss $26M (improved 48%); Adj. FCF +$18M, operating cash flow +$5M.
Raised FY25 guidance: IFP $1,218-1,223M, Adj. EBITDA loss ($130)-($127)M; expect positive Adj. EBITDA in Q4 2026.

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