{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-26-000006","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2026-02-19T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.904059+00:00","generated_at":"2026-05-16T01:46:41.343284+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Lemonade Q4 2025: IFP $1.24B (+31%), revenue $228M (+53%), Adj. EBITDA loss narrows to $5M; guides FY26 IFP growth 32%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-26-000006","json":"https://secwatch.observer/filing/0001691421-26-000006.json","markdown":"https://secwatch.observer/filing/0001691421-26-000006.md","text":"https://secwatch.observer/filing/0001691421-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000006/0001691421-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000006/lmnd-20260219.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:46:41.343284+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"}