Lemonade Q4 2025: IFP $1.24B (+31%), revenue $228M (+53%), Adj. EBITDA loss narrows to $5M; guides FY26 IFP growth 32%

Lemonade, Inc.

2025-FY EPS reported -$2.24 revenue$737,900,000

Q4 2025 revenue $228M (+53% YoY); GAAP net loss $22M improves 28%; gross profit $111M (+73%) with gross loss ratio 52%.
In Force Premium $1.237B (+31%); total customers 2.98M (+23%); premium per customer $414 (+7%).
Adjusted EBITDA loss $5M, improving $19M YoY; Adj. free cash flow $37M, operating cash flow $21M.
FY 2026 guidance: IFP growth 32% (up 200bps from prior view); Adj. EBITDA loss ($52M)-($48M) (>50% improvement); expects positive Adj. EBITDA in Q4 2026.
Segment highlights: Pet IFP $439M (+55%), Europe IFP $60M (+150%), Car IFP $187M (+53%) with loss ratio improvements of 1pt, 16pts, 23pts respectively.

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