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lemonade inc hey investors welcome home skip to main content renters homeowners car pet life giveback my account feed feed quarterly results news events stock info filings governance founders letter faqs welcome home lemonade delivers ai powered renters pet car homeowners and life insurance across the us and eu we process claims instantly keep costs low and donate unused premiums to causes our customers choose investor presentation finance dashboard q1 2026 shareholder letter q1 2026 earnings call q1 2026 10 q report view all quarters lemonade updates april 29 2026 a snapshot lemonade q1 2026 earnings results 10th consecutive quarter of accelerating ifp growth topline at 1 33b ifp 32 yoy revenue grew 71 to 258m gross profit increased 159 yoy to 100 million 3 14m customers 23 yoy adj free cash flow at 17m looking forward increased 2026 guidance for both top and bottom line we continue to expect positive adj ebitda in q4 investor day in nyc november 17 shareholder letter for q1 2026 april 10 2026 join our upcoming quarterly earnings call for q1 2026 on april 29 2026 at 8 00 am et register here march 2 2026 in lemonade s new blog post why incumbents won t catch up our ceo daniel schreiber explains why layering ai onto legacy systems is not the same as being ai native from day one he highlights three measurable kpis that help investors quantify ai s real impact and see who is truly built for what comes next read more here february 19 2026 a snapshot lemonade q4 2025 earnings results 9th consecutive quarter of accelerating ifp growth top line of 1 24b grew 31 yoy 3m customers increased 23 yoy record breaking lmnd gross loss ratio now at 52 revenue increased 53 yoy while gross profit grew 73 adj ebitda loss improved 81 to 5m in the fourth quarter cash flow generated 37m adj fcf looking forward guiding to 32 ifp growth in 2026 revenue growth above 60 expecting positive adj ebitda in q4 2026 full year adj ebitda profitability in 2027 announcing our 3rd investor day nyc nov 26 q4 2025 shareholder letter january 27 2026 join our upcoming quarterly update call on february 19 2026 at 8 00 am et register here january 21 2026 today we are launching lemonade autonomous car insurance it is a first of its kind product for self driving cars and a new generation of smarter safer evs self driving miles are priced at approximately 50 the human driven per mile rate and the safer the autonomous driving tech becomes the more our prices will drop lemonade autonomous car insurance becomes available in arizona on jan 26 and oregon next month tesla owners will be able to get a quote for the new product in seconds through the lemonade app or online at tesla lemonade com fsd january 14 2026 we just passed 3 000 000 customers 4 years to reach 1 million 3 years to reach 2 million 2 years to reach 3 million our customers are proof that people are ready for insurance to work differently here s to the next million december 11 2025 lemonade now connected to tesla cars view post on x november 5 2025 a snapshot lemonade q3 2025 earnings results 8th consecutive quarter of accelerating ifp growth topline at 1 16 billion ifp reached 30 yoy growth ahead of schedule gross profit increased 113 yoy to 80m gross profit margin at 41 2 87 million customers increased 24 yoy adj ebitda loss almost cut in half vs prior year now at 26 million gross loss ratio at an all time low 62 car gross loss ratio improving fast now at 76 looking forward raised full year 2025 guidance for all metrics car growth to continue to accelerate fueled by tam expansion from new state launches on plan to sustain 30 ifp growth in 2026 generate positive adj ebitda in q4 2026 q3 2025 shareholder letter october 16 2025 join our upcoming quarterly update call on november 5 at 8 00 am et register here october 15 2025 lemonade adds meta s vp of ai products to its board of directors october 6 2025 lemonade adds paypal s cmo to its board of directors september 9 2025 lemonade has expanded its homeowners insurance business to the netherlands view post on x august 5 2025 a snapshot lemonade q2 2025 earnings results 7th q of accelerating growth 29 yoy 1 083 billion in force premium loss ratio 67 12pt improvement yoy generated 25m of adj free cash flow gross margin up 14pts to 39 gross profit 109 2 7m customers revenue up 35 car gross loss ratio 82 13pt improvement lowest since launch car europe growth engines accelerating looking forward raised fy 25 guidance across ifp gep revenue expecting fy 25 to be our second consecutive year of positive adj free cash flow expect to achieve positive adj ebitda before eoy 26 q2 2025 shareholder letter july 17 2025 join our upcoming quarterly update call on august 5 at 8 00 am et register here july 14 2025 lemonade s 2025 giveback donates over 2 1m to nonprofits see the impact lemonade helped create july 8 2025 lemonade car expands to indiana and gets a major tech upgrade see shai wininger s post on the llm powered platform driving the launch view post on x july 1 2025 lemonade turns 10 a decade of ai powered insurance dive into how our ai first strategy became our edge and why we believe it will compound even faster in the decade ahead read daniel schreiber s letter june 30 2025 lemonade announces successful renewal of reinsurance program read more may 6 2025 a snapshot lemonade q1 2025 earnings results sixth consecutive quarter of accelerating growth with ifp hitting 1 008m a 27 increase ttm glr in line with target range at 73 despite impact of ca wildfires 2 5m customers 21 increase revenue growth at 27 car growth picking up steam with growth in q1 outpacing the rest of our book q1 2025 shareholder letter april 21 2025 join our upcoming quarterly update call on may 6 at 8 00 am et register here april 9 2025 a look behind the scenes of lemonade s work with openai and their realtime api in our voice agents platform view post on x march 25 2025 lemonade hits 1b in premiums expands car to colorado read more march 19 2025 lemonade ceo daniel schreiber joined insurtech insights uk to talk ai automation and how technology is changing the game watch on youtube february 25 2025 a snapshot lemonade q4 2024 earnings results generated 48m in adj free cash flow and 27m in q4 alone marking our first ever fcf positive year 12 months ahead of plan 1 02b in cash investments 76m more than beginning of year record loss ratio 63 in q4 ttm loss ratio at 73 12pt yoy improvement 2 4m customers 944m in force premium 26 ifp growth 29 revenue growth record annual gross profit 167m nearly doubled yoy ebitda improved 18 yoy net loss down 29 5th consecutive quarter of accelerating top line growth q4 2024 shareholder letter november 19 2024 lemonade 2024 investor day watch on youtube october 31 2024 a snapshot lemonade q3 2024 earnings results 48 million of positive net cash flow generated in q3 reiterating ncf positivity from q1 25 and onwards gross loss ratio at 73 best in 4 years gross profit increased by 71 yoy continued accelerating growth with 27 million of additional investment in marketing and customer acquisition in force premium at 889m 24 yoy operating expense excluding growth spend stayed flat q3 2024 shareholder letter subscribe to lemonade updates sign up for the latest news delivered to your inbox email address subscribe contact us at email protected products renters renters insurance renters insurance hub what is renters insurance renters insurance coverage renters insurance cost how to get renters insurance car and renters bundle car car insurance car insurance hub pay per mile car insurance car insurance coverage car insurance cost comprehensive car insurance car insurance by vehicle pet pet insurance pet insurance hub dog insurance cat insurance compare pet insurance pet insurance coverage pet insurance cost homeowners homeowners insurance home insurance hub what is homeowners insurance homeowners insurance coverage homeowners insurance cost how much home insurance do i need car and home 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insurance hub life insurance coverage no exam life insurance how does life insurance work how much life insurance do i need contingent beneficiary features claims giveback policy 2 0 api vet clinics features claims giveback policy 2 0 api vet clinics company join the team partners program investor relations transparency reviews company join the team partners program investor relations transparency reviews 1 844 733 8666 email protected united states germany deutsch germany english netherlands nederlands netherlands english france français france english united kingdom united states germany deutsch germany english netherlands nederlands netherlands english france français france english united kingdom lemonade insurance 5 crosby st 3rd floor new york ny 10013 terms of service telematics terms of service legal stuff privacy pledge accessibility manage cookies do not share my personal information property and casualty insurance is provided by lemonade insurance company lic and metromile insurance company mic 5 crosby st 3rd floor new york ny 10013 home insurance policies in kansas kentucky minnesota north carolina new mexico and utah are underwritten by member companies of homesite group inc 1 federal street suite 400 boston ma 02110 member companies include homesite insurance company of the midwest homesite insurance company and homesite indemnity company home insurance features prices coverages and available discounts may vary by state and are subject to qualifications coverage is subject to policy terms and conditions and may not be available in all states lemonade insurance agency llc lia and metromile insurance services llc mis are licensed insurance agents and appointed by lic and mic and both lia and mis receive compensation based on the premiums for the insurance policies each sells further information is available upon request lemonade life insurance agency llc llia is acting as the agent of banner life whose life insurance products are underwritten and issued by banner life insurance company urbana md banner life products are distributed in 49 states and in dc banner life is not authorized as an insurer and does not do business in new york opterm policy form icc21 dtcv and state variations riseterm form icc24 dtcv3 icc23 dt1 sch and state variations premiums based on preferred plus non tobacco preferred non tobacco standard plus non tobacco standard non tobacco preferred tobacco and standard tobacco underwriting classes policy descriptions provided here are not a statement of contract please refer to the policy forms for full disclosure of all benefits and limitations llia receives compensation for the insurance policies it sells products or issue ages may not be available in all jurisdictions limitations or restrictions may apply our application asks about your lifestyle and health car policies in texas are underwritten by home state county mutual insurance company 4315 lake shore dr j waco tx 76710