Recent 8-K filings for LMND

• April 29, 2026, 7:59 PM ET earnings materiality 0.90 positive item 2.02item 9.01 ◈ Earnings Releases

  Lemonade Q1 2026 IFP up 32%, Gross Profit +159% YoY, Adj. EBITDA Loss Narrows to $17M

  In Force Premium reached $1.33B, up 32% YoY; revenue $258M, up 71% YoY.

• February 19, 2026, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

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

  Q4 2025 revenue $228M (+53% YoY); GAAP net loss $22M improves 28%; gross profit $111M (+73%) with gross loss ratio 52%.

• November 5, 2025, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  IFP $1,158M (+30% YoY); eighth consecutive quarter of accelerating growth; Car IFP $163M (+40% YoY).

• August 5, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Lemonade Q2 IFP $1.08B (+29%), gross profit +109%, raises FY guidance

  IFP $1.08B (+29% YoY), 7th consecutive quarter of accelerating growth; revenue grew 35%.

• July 2, 2025, 7:59 PM ET other material materiality 0.60 neutral item 1.01

  Lemonade reduces ceded quota share reinsurance from ~55% to ~20% effective July 2025

  New reinsurance program effective July 1, 2025 through June 30, 2026 with Hannover and MAPFRE.

• May 6, 2025, 7:59 PM ET earnings materiality 0.75 neutral item 2.02item 9.01

  Lemonade Q1 2025: IFP crosses $1B (+27% YoY); Adj. EBITDA loss $47M in line with guidance

  In Force Premium $1,008M (+27% YoY); revenue $151.2M (+27%).

• April 9, 2025, 7:59 PM ET cyber materiality 0.65 negative item 1.02item 8.01

  Lemonade ends Chewy warrant deal; 190K driver's license numbers exposed

  Terminated warrant agreement with Chewy; 3,170,834 remaining shares cancelled, 181,191 previously exercised.

• February 25, 2025, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Lemonade's best quarter ever: Q4 IFP $944M (+26%), gross loss ratio 63%, Adj. FCF $27M

  FY 2024: IFP $944M (+26% YoY), revenue +29%, gross profit nearly doubled to $167M, Adj. EBITDA loss ($150M) improved 13%.

• February 7, 2025, 6:59 PM ET debt materiality 0.75 positive item 1.01item 2.03

  Lemonade expands customer investment financing to $200M for 2026 growth

  Amended customer investment agreement increases 2026 commitment from $140M to $200M for sales and marketing.

• January 6, 2025, 6:59 PM ET other material materiality 0.60 negative item 7.01

  Lemonade President confirms company has not yet reached $1B in-force premium

  Confirms Lemonade's in-force premium has not yet reached $1 billion as of January 2, 2025.

• October 30, 2024, 7:59 PM ET earnings materiality 0.75 neutral item 2.02item 9.01

  Lemonade Q3 NCF positive $48M, IFP +24% to $889M, loss ratio improves 10pts to 73%

  Revenue $136.6M (+19% YoY); gross profit $37.5M (+71% YoY) on higher premium and lower loss ratio.

• July 30, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Lemonade Q2 2024 turns net cash flow positive; loss ratio improves 15 pts to 79%

  Net cash flow positive in Q2; expects to remain positive except Q4 2024 due to seasonality.

• April 30, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Lemonade Q1 2024: revenue +25%, net loss narrows to $47M; pushes cash-flow breakeven to year-end 2024

  IFP $794M (+22% YoY), revenue $119M (+25%), gross profit $34.7M (+110%), gross loss ratio 79% (improved 8 pts YoY).

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.90 · Median 0.75 · Most common event earnings

8 positive 2 negative 8 neutral

source · LMND on sec.gov