Jun 2026 (Q2 FY26) — Jul 29, 2026
Lemonade Q2 FY26 — Accelerating Growth and Path to Profitability
Read the full callLemonade (LMND) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Lemonade earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 294 | +79.4% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | -43.4 | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. The year-earlier figure was zero or a loss, so no percentage is shown. |
Price
$43.15 −2.38% · −$1.05
Performance −10.3% 1Y
1Y: $48.12 on 17 Oct 2025 → $43.15. High $96.57 (22 Jan 2026), low $43.15 (19 Oct 2026).
- Previous close
- $44.2
- 52-week range
- $43.15 – $96.57
- One year
- −13.54%
Overview
- Symbol
- LMND
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Mar 2026 (Q1 FY26) — Apr 29, 2026
Lemonade Q1 FY26 — Accelerating Growth and Path to Profitability
Read the full callEvery analysed call
Lemonade earnings calls (LMND)
Financials
What the filings say
Net profit, year on year: +1% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 137 | 149 | 151 | 164 | 195 | 228 | 258 | 294 |
| Profit before tax | -66 | -38 | -61 | -43 | -36 | -21 | -35 | -42 |
| Tax rate | −2.9% | 20.6% | −1.6% | −3.0% | −3.3% | −5.3% | −3.5% | −3.8% |
| Net profit | -68 | -30 | -62 | -44 | -37 | -22 | -36 | -43 |
| EPS ($ per share) | -0.95 | — | -0.86 | -0.60 | -0.51 | — | -0.47 | -0.56 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | — | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | — | -198 | -321 | -562 | -860 | -1,097 | -1,299 | -1,464 |
| Total liabilities | — | 117 | 288 | 522 | 824 | 924 | 1,256 | 1,392 |
| Fixed assets | — | 3 | 6 | 12 | 20 | 17 | 16 | 16 |
| Investments | — | 55 | 0 | 110 | 100 | 46 | 28 | 14 |
| Total assets | — | 414 | 829 | 1,511 | 1,691 | 1,633 | 1,849 | 1,926 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | -41 | -78 | -92 | -145 | -163 | -119 | -11 | -16 |
| Cash from investing | 6 | -54 | 50 | -805 | 181 | 89 | 41 | -89 |
| Cash from financing | 120 | 300 | 341 | 650 | 4 | 15 | 88 | 107 |
| Net cash flow | 86 | 168 | 301 | -301 | 16 | -15 | 114 | 11 |
| Capital expenditure | -1 | -3 | -4 | -9 | -10 | -9 | -9 | -9 |
| Free cash flow | -41 | -81 | -96 | -154 | -173 | -128 | -21 | -26 |
LMND operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| In-force premium | $1.33BIn the first quarter, in-force premium reached $1.33 billion, growing 32% year-over-year.Source: earnings call transcript | $1.43BIn-force premium reached $1.43 billion, growing about 32.5% year-over-year and extending our streak of accelerating growth to 11 consecutive quarters.Source: earnings call transcript | +7.5% |
| Employees | 1,291Headcount increased slightly by about 2% to 1,291 in Q1 as compared to the prior year.Source: earnings call transcript | 1,339Headcount increased slightly by 65 or about 5% year-over-year to 1,339 in Q2.Source: earnings call transcript | +3.7% |
| LAE ratio | 6%I think one place in particular, you can really see the impact of AI-powered automation at scale is in the cost of adjudicating claims, and that's our LAE ratio, which is currently at 6%, which we consider levels that are roughly -- that are best-in-class today and materially improved over time.Source: earnings call transcript | 5%In the second quarter, we delivered our best ever LAE ratio result of 5%.Source: earnings call transcript | -1 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
63 filings between Nov 7, 2025 and Sep 4, 2026.
Open market
decisions to buy or sellPurchases
$485.5K
2 purchases by 1 insider
Sales
$37.73M
37 sales by 6 insiders
65% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 12
- Award — granted as compensation
- 8
- Option exercise — converted options into shares
Also filed: 4 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Schreiber Daniel A. | — | $12.90M | Jan 23, 2026 |
| Eckstein Adina | — | $10.23M | Dec 11, 2025 |
| BIXBY TIMOTHY E | — | $8.58M | Sep 3, 2026 |
| Peters John Sheldon | — | $5.52M | Sep 4, 2026 |
| Angelidis-Smith Maria | $485.5K | — | Mar 10, 2026 |
| Schwartz Debra | — | $351.1K | Dec 11, 2025 |
| Prosor Maya | — | $147.3K | Sep 3, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 4, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 2,249 | $122.5K |
| Sep 3, 2026 | Prosor Maya Chief Business Officer | Sale | 1,040 | $56.8K |
| Sep 3, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 859 | $46.9K |
| Sep 3, 2026 | BIXBY TIMOTHY E Chief Financial Officer | Sale | 1,893 | $103.4K |
| Sep 2, 2026 | Wininger Shai President | Gift | 1,876 | $0 |
| Aug 13, 2026 | Peters John Sheldon Chief Insurance Officer | Sale | 11,000 | $578.0K |
| Jul 27, 2026 | Peters John Sheldon Chief Insurance Officer | Award | 10,000 | $0 |
| Jul 7, 2026 | BIXBY TIMOTHY E Chief Financial Officer | Sale 10b5-1 plan | 73,000 | $5.78M |
| Jul 6, 2026 | Peters John Sheldon Chief Insurance Officer | Sale | 3,444 | $272.1K |
| Jun 10, 2026 | Eisenberg Michael A Director | Gift | 5,000 | $0 |
| Jun 4, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 3,608 | $191.0K |
| Jun 3, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 1,735 | $92.2K |
| Jun 3, 2026 | Seeley Geoff Director | Award | 2,848 | $0 |
| Jun 3, 2026 | Ratanchandani Prashant Director | Award | 2,848 | $0 |
| Jun 3, 2026 | Angelidis-Smith Maria Director | Award | 2,848 | $0 |
| Jun 3, 2026 | BIXBY TIMOTHY E Chief Financial Officer | Sale | 2,227 | $118.4K |
| Jun 3, 2026 | Prosor Maya Chief Business Officer | Sale | 1,220 | $64.9K |
| Jun 3, 2026 | Haj-Yehia Samer Director | Award | 2,848 | $0 |
| Jun 3, 2026 | Schwartz Debra Director | Award | 2,848 | $0 |
| Mar 18, 2026 | Schreiber Daniel A. Chief Executive Officer | Award | 180,000 | $0 |
| Mar 18, 2026 | Schreiber Daniel A. Chief Executive Officer | Award | 820,000 | $0 |
| Mar 18, 2026 | Wininger Shai President | Award | 180,000 | $0 |
| Mar 18, 2026 | Wininger Shai President | Award | 820,000 | $0 |
| Mar 10, 2026 | Angelidis-Smith Maria Director | Purchase | 5,390 | $300.2K |
| Mar 10, 2026 | Angelidis-Smith Maria Director | Purchase | 3,350 | $185.3K |
| Mar 8, 2026 | Prosor Maya Chief Business Officer | Award | 181,389 | $0 |
| Mar 8, 2026 | Eckstein Adina Chief Operating Officer | Award | 145,112 | $0 |
| Mar 4, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 3,571 | $187.5K |
| Mar 3, 2026 | BIXBY TIMOTHY E Chief Financial Officer | Sale | 2,135 | $107.0K |
| Mar 3, 2026 | Prosor Maya Chief Business Officer | Sale | 223 | $11.2K |
| Mar 3, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 1,773 | $88.9K |
| Feb 12, 2026 | Peters John Sheldon Chief Insurance Officer | Option exercise | 11,845 | $137.5K |
| Jan 23, 2026 | Schreiber Daniel A. Chief Executive Officer | Sale 10b5-1 plan | 9,108 | $902.1K |
| Jan 22, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 9,000 | $810.0K |
| Jan 22, 2026 | Schreiber Daniel A. Chief Executive Officer | Sale 10b5-1 plan | 126,625 | $12.00M |
| Jan 8, 2026 | Peters John Sheldon Chief Insurance Officer | Option exercise | 18,457 | $97.1K |
| Jan 6, 2026 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 10,000 | $800.0K |
| Dec 11, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 7,919 | $666.4K |
| Dec 11, 2025 | Schwartz Debra Director | Sale | 4,200 | $351.1K |
| Dec 10, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 7,919 | $642.6K |
| Dec 10, 2025 | Peters John Sheldon Chief Insurance Officer | Sale | 3,554 | $287.9K |
| Dec 9, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 29,237 | $2.26M |
| Dec 9, 2025 | Eckstein Adina Chief Operating Officer | Option exercise 10b5-1 plan | 29,237 | $1.30M |
| Dec 8, 2025 | Eckstein Adina Chief Operating Officer | Option exercise 10b5-1 plan | 1,549 | $69.0K |
| Dec 8, 2025 | Eckstein Adina Chief Operating Officer | Option exercise 10b5-1 plan | 16,250 | $397.6K |
| Dec 8, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 15,839 | $1.25M |
| Dec 8, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 7,919 | $625.1K |
| Dec 8, 2025 | Eckstein Adina Chief Operating Officer | Sale 10b5-1 plan | 17,799 | $1.41M |
| Dec 3, 2025 | Peters John Sheldon Chief Insurance Officer | Sale 10b5-1 plan | 2,667 | $193.0K |
| Dec 2, 2025 | BIXBY TIMOTHY E Chief Financial Officer | Sale | 2,862 | $208.2K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
Your own record
Start an Inve Case for Lemonade, Inc.
Free account. Everything above stays public.
Write why you follow Lemonade, Inc. and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.
Keep reading