LEMONADE INC (LMND)
Financials · InsurTech · NYSE
Lemonade is a technology-driven insurance company using AI and digital automation to replace traditional insurance brokers and bureaucracy with a fast, transparent, and user-centric platform.
What LEMONADE INC does
Lemonade is a digital-first, artificial intelligence-powered insurance company that offers renters, homeowners, life, pet, and car insurance products. It utilizes proprietary AI algorithms and digital platforms to underwrite policies, process claims, and interact with customers through a mobile-first interface. The company operates as a full-stack insurance carrier while also managing its business through reinsurance arrangements.
Themes: InsurTech / digital insurance, AI automation in insurance, Fintech, Consumer technology, Telematics
Fundamentals
- Price$53.37 as of 2026-08-21 close
- Market cap$4.1B as of 2026-08-21
- 1-year return-4.9% 2025-08-21 close $56.10 → 2026-08-21 close $53.37
- P/En/a negative earnings
- Net margin-14.2% as of 2026-08-24
- ROE-26.8% as of 2026-08-24
- Debt / equity0.41 as of 2026-08-24
- Revenue growth (YoY)+62.3% as of 2026-08-24
- Revenue CAGR (3y)+42.2% SEC XBRL
- Beta1.93 as of 2026-08-24
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
How LMND compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
LMND is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
34.0 #1584 of 1,704 scored · #266 of 277 in Financials
Setup 52nd: no Elliott-wave labelling currently fits its swings; momentum 39th: MACD momentum is positive; weakest is volume and participation 24th: it gapped 20.8% below the previous close and has not traded back through the level it left behind — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How LEMONADE INC looks technically
LEMONADE INC (LMND) is trading 18.5% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 84 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 18 trading days ago. It is 46.6% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 18.5% below its 200-day average, the long-term trend line — a long-term downtrend | -18.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $59.71 | $59.71 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $65.49 | $65.49 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 54.4. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible downward five-wave sequence, in wave 3 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 84 trading days ago — a "death cross", a bearish long-term signal | 84 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control | 28.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30) | 46.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($48.84 to $55.05) — its "stochastic" reading is 73 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 73.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $99.90 | $99.90 |
|---|---|---|
| From the 52-week high | it is 46.6% below its 52-week high (its highest price of the past year) | -46.6% |
| Above the 52-week low | it is 15.6% above its 52-week low (its lowest price of the past year) | +15.6% |
| Below the 52-week high | it is 46.6% below its highest point of the past year | 46.6% |
| Since a 20-day breakout | it made a new 20-day low about 18 trading days ago | 18 sessions |
| Since a 55-day breakout | it made a new 55-day low about 18 trading days ago | 18 sessions |
| All-time high | its highest closing price on record is $147.07 (set on 2021-02-22) | $147.07 |
| Given back of the 52-week move | over the past year its closes ranged ($47.38 to $96.57), and it has recovered only a small part of its fall from last year’s high — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $77.78 to $79.35. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.2% |
| From the all-time high | it is 63.7% below its all-time high | -63.7% |
| Nearest price level | it is trading 1.4% below a resistance level at $54.13 — a price it turned at twice since 2024-11-25, most recently on 2026-08-14. Since 2024-08-21 it has 8 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.4% |
| All-time low | its lowest closing price on record is $10.27 (set on 2023-10-30) | $10.27 |
| Above the all-time low | it is 419.9% above its all-time low | +419.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 72% of it) | 28th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $3.01 between its high and its low — about 5.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $3.01 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $45.26 and $59.80 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $45.26 – $52.53 – $59.80 |
| Typical daily range (% of price) | its price moves about 5.7% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.7% |
| Stretch from the 200-day average | it is trading 4.0 daily ranges below its 200-day average price (18.5% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.0 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.83× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 1.7% since the prior reading | -1.7% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +1.8% |
|---|---|---|
| Open gap | it gapped 20.8% below the previous close 17 sessions ago and has not traded back through the level it left behind at 62.11 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -20.8% |
| Gap filled | a 2.9% gap up opened on 2026-07-27 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 18 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 24.6 percentage points (the stock lost 22.2% while the market gained 2.3%) | -24.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 9.5 percentage points (the stock lost 6.5% while the market gained 3.1%) | -9.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 17.9 percentage points (the stock lost 6.9% while the market gained 11.1%) | -17.9% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 25.3 percentage points (the stock lost 4.9% while the market gained 20.5%) | -25.4% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 19% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.3% of the share price. | -18.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 17% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $64.00 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | -16.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $50.38 — a volume-weighted average of daily closes over 18 sessions, not a true tick-by-tick VWAP. | +5.9% |
Price levels it has turned at before
LMND last closed at $53.37 on 2026-08-21. Since 2024-08-21 it has turned at 8 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $54.13 | Resistance | 1.4% above the last close | turned there twice · 2024-11-25 to 2026-08-14 |
| $52.26 | Support | 2.1% below the last close | turned there three times · 2026-03-12 to 2026-05-07 |
| $50.02 | Support | 6.3% below the last close | turned there twice · 2025-09-25 to 2026-06-08 |
| $48.21 | Support | 9.7% below the last close | turned there twice · 2025-09-05 to 2026-02-24 |
| $60.36 | Resistance | 13.1% above the last close | turned there twice · 2025-08-13 to 2026-05-27 |
| $61.90 | Resistance | 16.0% above the last close | turned there twice · 2025-09-23 to 2026-06-15 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $54.40.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-08-21.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · Analyst price target recently CUT · lagging the market · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.91 mean, 1=Strong Buy…5=Strong Sell) — 9 analysts
- Mean price target$59.22 range $37.00 – $92.00; median $55.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for LMND
- Consensus EPS estimate-$0.57 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["History of net losses with no guarantee of achieving future profitability.","Reliance on proprietary AI algorithms for risk underwriting, pricing, and claims processing which may malfunction or produce inaccurate results.","Dependency on reinsurance contracts and capital adequacy requirements to maintain regulatory operating authority."]
What changed in the latest 10-Q
AI-assisted comparison of LMND's 10-Q filed 2026-04-30 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Customer Investment Agreement section now specifies the agreement 'under which GC agreed to provide' (explicit agency language) versus older version's 'will be provided'
- Newer filing specifies Investment Amount range of '50% to 80%' versus older filing's 'up to 80%'
- Newer filing states agreement was 'amended in April 2024, June 2024 and December 2025' while older omits December 2025 amendment
- Newer filing reports $179.6 million outstanding borrowings as of March 31, 2026 and $6.2 million interest expense for three months ended March 31, 2026
- Current Macroeconomic Environment section in newer filing includes detailed discussion of U.S. tariff policy, including February 2026 Supreme Court ruling on IEEPA, tariffs on building materials, automotive parts, and consumer goods, and potential lag in rate adjustments
- Newer filing includes statement: 'Following the ruling, the administration invoked alternative statutory authorities imposing a global tariff'
- Removed:
- Older filing's description of agreement as having '18 months which expired on December 31, 2024' is removed from newer version's narrative structure
- Older filing's statement 'such interest is included in General and Administrative expense in the condensed consolidated statements of operations and comprehensive loss' is not present in newer filing
- Older filing's discussion of Israel operations and political/military instability in Israel and surrounding region is absent from newer filing
- Older filing's reference to October 1, 2025 U.S. government shutdown and SEC regulatory agency impact is removed
- Older filing's statement 'The actual effects of the current and potential future impact on our results remains to be unknown and cannot be estimated with precision' is replaced with more specific tariff discussion
- Reworded:
- Older 'Current Macroeconomic Environment' opens with 'Changing U.S. and global economic conditions, including the potential impact from evolving tariff policy' while newer version states 'Evolving U.S. trade policy, including tariffs imposed on imported goods in 2025, could affect our claims costs'
- Older filing references 'capital market volatility may' while newer filing completes this thought with additional macroeconomic discussion
- Customer Investment Agreement section reorganized: older version presents chronological narrative of amendments; newer version consolidates amendment dates into single sentence about multiple amendments
- Notes:
- The newer filing appears to be truncated mid-sentence ('Capital market volatility may a'), limiting assessment of complete Current Macroeconomic Environment section
- Comparison reflects filing date difference of approximately 6 months (2025-11-05 to 2026-04-30), so some removals may reflect different reporting periods rather than editorial choices
Risk Factors
- Added:
- Added to newer filing (2026-04-30): 'our ability to achieve profitability and expand our business' in forward-looking statements list
- Added to newer filing (2026-04-30): 'the adequacy of our loss and loss adjustment reserves and pricing' regarding reinsurance contracts
- Added to newer filing (2026-04-30): 'changes in trade policy and tariffs on our claims costs' as macroeconomic impact factor
- Added to newer filing (2026-04-30): 'our ability to develop and deploy artificial intelligence and technology, maintain relationships with third-party service providers' as separate bullet point
- Added to newer filing (2026-04-30): 'anticipated benefits of and our ability to maintain our financing arrangements' in forward-looking statements
- Added to newer filing (2026-04-30): 'the impact of current and future laws and regulations including tax legislation' in forward-looking statements
- Added to newer filing (2026-04-30): 'the outcome and potential impact of litigation and legal proceedings' in forward-looking statements
- Added to newer filing (2026-04-30): 'the sufficiency of our capital and liquidity' in forward-looking statements
- Added to newer filing (2026-04-30): new bullet 'If we are unable to maintain and implement relationships with third-party service providers...'
- Added to newer filing (2026-04-30): new bullet 'If we are unable to expand our product offerings, or penetrate new markets...'
- Added to newer filing (2026-04-30): new bullet 'We rely on artificial intelligence, telematics, mobile technology, and our digital platforms to collect data...'
- Added to newer filing (2026-04-30): new bullet 'Our pricing model for self-driving technologies and reliance on direct vehicle telemetry...'
- Added to newer filing (2026-04-30): new bullet 'Interruptions or delays in the services provided by our sole provider of third-party data centers...'
- Added to newer filing (2026-04-30): new bullet 'We may face particular privacy, data security, and data protection risks as we continue to expand into Europe and the UK...'
- Added to newer filing (2026-04-30): new bullet 'We may be unable to prevent or address the misappropriation of our data'
- Added to newer filing (2026-04-30): new bullet 'If our customers were to claim that the policies they purchased failed to provide adequate or appropriate coverage...'
- Added to newer filing (2026-04-30): new bullet 'Litigation and legal proceedings filed by or against us and our subsidiaries...'
- Added to newer filing (2026-04-30): new bullet 'There may be an adverse impact of the Customer Investment Agreement'
- Removed:
- Removed from newer filing (2026-04-30): 'If we fail to add new customers or retain current customers, our business, revenue, operating results and financial condition could be harmed' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'Our limited operating history makes it difficult to evaluate our current business performance, implementation of our business model, and our future prospects' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'We may not be able to manage our growth effectively' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'The novelty of our business model makes its efficacy unpredictable and susceptible to unintended consequences' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'We could be forced to modify or eliminate our Giveback, which could undermine our business model...' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'Regulators may limit our ability to develop or implement our proprietary artificial intelligence algorithms...' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'Existing and new legislation or legal requirements may affect how we communicate with our customers...' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'The insurance business...is historically cyclical in nature...' (was in 2025-11-05)
- Removed from newer filing (2026-04-30): 'Security incidents or real or perceived errors, failures or bugs in our systems, website or app could impair our operations...' (was in 2025-11-05, now replaced with shorter version)
- Removed from newer filing (2026-04-30): 'In addition, insurance regulators of other states in which we are licensed to operate may also conduct examinations...' (second part of regulator examination bullet removed)
- Removed from newer filing (2026-04-30): 'Our expansion within the United States and any future international expansion strategy will subject us to additional costs and risks and our plans may not be successful' (shortened in newer version)
- Removed from newer filing (2026-04-30): references to 'enterprise risk on insurance holding company systems' and 'insurance holding company' in regulation bullet
- Reworded:
- Changed in newer filing (2026-04-30): 'Our success and ability to grow our business depend on retaining and expanding our customer base' - removed 'If we fail to add new customers or retain current customers, our business, revenue, operating results and financial condition could be harmed' suffix
- Changed in newer filing (2026-04-30): 'Our future revenue growth depends on our ability to increase the lifetime value of our customers and attaining greater value from each customer' - rephrased from 'Our future revenue growth and prospects depend on attaining greater value from each user'
- Changed in newer filing (2026-04-30): Reinsurance bullet shortened - removed 'Furthermore, reinsurance subjects us to counterparty risk and may not be adequate to protect us against losses, which could have a material adverse effect on our results of operations and financial condition'
- Changed in newer filing (2026-04-30): 'If we are unable to expand our product offerings, or penetrate new markets, our future growth may be limited' - changed from 'If we are unable to expand our product offerings, our prospects for future growth may be adversely affected'
- Changed in newer filing (2026-04-30): Data collection bullet shortened and separated - original longer description split into multiple focused bullets
- Changed in newer filing (2026-04-30): 'Our product development cycles are complex and subject to regulatory approval, and we may incur significant expenses before we generate revenues' - removed 'if any, from new products'
- Changed in newer filing (2026-04-30): 'Our expansion within the United States and any future international expansion strategy will subject us to additional costs and risks' - removed 'and our plans may not be successful'
- Changed in newer filing (2026-04-30): Forward-looking statements introduction restructured with different punctuation - 'as amended and' changed to 'as amended, and'
- Notes:
- The newer filing (2026-04-30) text appears truncated at the end ('the unavailability or inaccuracy of which could limit the functionality of our products and disrupt our'), making a complete comparison of the full risk factors section impossible
- The older filing (2025-11-05) text also appears truncated at the end ('with which we must comply as an insurance holding compan'), limiting full comparison
- Item numbers for various sections changed between filings (e.g., Item 1A moved from page 47 to page 44), but this reflects page numbering differences rather than content changes
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 6 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 6 sells ($7M) — 3 selling insiders
- Last 180 days2 buys ($485478) · 6 sells ($7M) — 1 buying, 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-07. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about LMND's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding LMND as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 8,997,670
- Reported value $563,974,011
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
LMND had 10,479,821 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
LMND had 13.5% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.62 days to cover at the same settlement.
- Reported short interest (shares) 10,479,821
- Short interest (% of shares outstanding) 13.5%
- Prior settlement (shares) 10,146,150
- Reported change 3.29%
- Days to cover (reported) 5.62
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Allstate (ALL)
- Progressive (PGR)
- Geico (BRK.B)
- State Farm
- Root (ROOT)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does LEMONADE INC (LMND) do?
Lemonade is a digital-first, artificial intelligence-powered insurance company that offers renters, homeowners, life, pet, and car insurance products. It utilizes proprietary AI algorithms and digital platforms to underwrite policies, process claims, and interact with customers through a mobile-first interface. The company operates as a full-stack insurance carrier while also managing its business through reinsurance arrangements.
What sector is LEMONADE INC (LMND) in?
LEMONADE INC (LMND) is classified in the Financials sector. Its industry is InsurTech. It trades on NYSE.
Who are LEMONADE INC's (LMND) competitors?
Notable peers of LEMONADE INC (LMND) include Allstate, Progressive, Geico, State Farm and Root. This peer set is informational only — not financial advice.
Is LEMONADE INC (LMND) overbought or oversold right now?
LEMONADE INC (LMND) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 46, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LMND come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.