{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-25-000146","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.158444+00:00","generated_at":"2026-05-17T00:19:39.813738+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 Q3 IFP growth accelerates to 30%; gross profit more than doubles YoY to $80M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-25-000146","json":"https://secwatch.observer/filing/0001691421-25-000146.json","markdown":"https://secwatch.observer/filing/0001691421-25-000146.md","text":"https://secwatch.observer/filing/0001691421-25-000146.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000146/0001691421-25-000146-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142125000146/lmnd-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:19:39.813738+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"}