{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-26-000029","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.744449+00:00","generated_at":"2026-05-15T02:18:43.717835+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Lemonade Q1 2026 IFP up 32%, Gross Profit +159% YoY, Adj. EBITDA Loss Narrows to $17M","bullets":["In Force Premium reached $1.33B, up 32% YoY; revenue $258M, up 71% YoY.","Gross profit $100M, up 159% YoY; Adj. EBITDA loss ($17M), 64% improvement.","Net loss ($36M), 43% improvement; Adj. Free Cash Flow $17M from ($31M) a year ago.","Pet insurance IFP surpassed $500M; Car IFP grew 60% YoY, fastest growth rate.","Guidance raised: FY 2026 IFP growth 33%, Adj. EBITDA loss improved to ($51)-($47)M."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-26-000029","json":"https://secwatch.observer/filing/0001691421-26-000029.json","markdown":"https://secwatch.observer/filing/0001691421-26-000029.md","text":"https://secwatch.observer/filing/0001691421-26-000029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000029/0001691421-26-000029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000029/lmnd-20260429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-15T02:18:43.717835+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":[{"claim_id":"55d0e4de4bd8b1f9523c4369dcbfdcacb8feb50d","claim":"Lemonade, Inc. reported financial results for the three months ended March 31, 2026.","evidence_excerpt":"On April 29, 2026, Lemonade, Inc. (the \"Company\") announced its financial results for the three months ended March 31, 2026, by issuing a letter to shareholders.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000029/0001691421-26-000029-index.htm","confidence":0.7,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}