Stocktoria
Lemonade, Inc. LMND
NYSE · XNYS · stock · Fire, Marine & Casualty Insurance · website · IPO 2020-07-02
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Valuation · market cap as of 2026-06-29
Market cap$4.5B
P / S6.1×
P / B8.5×
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $737.9M | $526.5M | $429.8M | $256.7M | $128.4M |
| Net income | -$165.5M | -$202.2M | -$236.9M | -$297.8M | -$241.3M |
| Operating cash flow | -$16.5M | -$11.4M | -$119.1M | -$163.0M | -$144.6M |
| Free cash flow | -$25.9M | -$20.8M | -$128.3M | -$173.1M | -$154.0M |
| Total assets | $1.9B | $1.8B | $1.6B | $1.7B | $1.5B |
| Total liabilities | $1.4B | $1.3B | $924.4M | $823.9M | $522.3M |
| Shareholders' equity | $533.6M | $593.4M | $708.9M | $866.8M | $988.2M |
| Ratios | |||||
| Net margin | -22.4% | -38.4% | -55.1% | -116.0% | -187.9% |
| FCF margin | -3.5% | -4.0% | -29.9% | -67.4% | -119.9% |
| Return on assets | -8.6% | -10.9% | -14.5% | -17.6% | -16.0% |
| Return on equity | -31.0% | -34.1% | -33.4% | -34.4% | -24.4% |
| Revenue growth | 40.2% | 22.5% | 67.4% | 99.9% | 36.0% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 59,000 | $3.7M |
| Bridgewater Associates, LP | 42,648 | $2.7M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001691421 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.