Lemonade, Inc. (LMND) is a publicly traded company in the Financial Services — Insurance - Property & Casualty industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Lemonade, Inc. functions as an insurance provider operating across the United States and Europe, offering a diverse array of policies. Their core coverage options encompass protection against stolen or damaged personal property, as well as personal liability insurance designed to safeguard customers if they are deemed responsible for accidents or harm to others or their assets. Specifically, they provide renters, homeowners, pet, auto, life, and landlord insurance products.
Is Lemonade, Inc. stock overvalued or undervalued in 2026?
As of October 30, 2026, Lemonade, Inc. (LMND) trades at $42.94 with no positive earnings over the last twelve months, according to Kaplio. At a P/B justified by its ROE del −26,8 % (0.9×) $6 (-86 %); at its peers' median (2.0×) $13 (-70 %).
Kaplio overview: Lemonade, Inc.
Market cap $3B · 52 weeks $43 – $97 (52 % below the high) · P/E no earnings · Dividend none · Next earnings November 5, 2026 · expected EPS $-0.58 · Closing price, Oct 30 · accounts published Jul 29.
- Valuation: P/B 6.6× (expensive).
- Business: 5-year op. margin −82.2 % (weak).
- Balance sheet: Debt/Equity 0.41 (fragile).
- Earnings: 8 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROE del −26,8 % (0.9×) $6 (-86 %); at its peers' median (2.0×) $13 (-70 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in insurance: 0 of 4 pass
- Op Margin 5y (Combined Ratio proxy) −82.2 %, fails.
- Book Value / Share growth −5.3 %, fails.
- Debt / Equity 0.41, fails.
- P/B (Price / Book) 6.6×, fails.
- Dividend growth streak n/a: it pays no dividend, info.
Against its peers (reference peers) — Lemonade, Inc.: P/E —; P/B 6.6×; ROE -26.8 %; $3.3B. Hagerty, Inc. (P/E 158×; P/B 5.2×; ROE 9.8 %; $5.4B), Mercury General Corporation (P/E 6.0×; P/B 2.0×; ROE 37.2 %; $5.7B), Selective Insurance Group, Inc. (P/E 12.3×; P/B 1.8×; ROE 14.3 %; $5.9B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 6.6× · median 3.7× · minimum 0.8× · maximum 55.8× · cheap below 1.6× · expensive above 9.1×. It has been cheaper than today 63% of the time over its last ten fiscal years.
Profitability
| Return on Equity | -26.78% |
| Return on Invested Capital | 36.10% |
| Return on Assets | -6.88% |
| Gross Margin | 47.85% |
| Operating Margin | -14.32% |
| Net Margin | -14.87% |
Financial Health
| Debt / Equity | 0.41 |
| Current Ratio | 0.68 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 1.64 |
Price Performance
| 1 month | -1.82% |
| 3 months | -4.97% |
| Year-to-date | -35.50% |
| 1 year | -23.59% |
| 3 years | +317.36% |
| 5 years | -30.35% |
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Explore sector: Financial Services · Insurance - Property & Casualty
More sections of LMND: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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