| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — |
| Net Margin | -22.43% | -38.40% | -55.12% | -116.01% | -187.93% | -129.56% | -161.22% | -235.11% |
| Current Ratio | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — | — | — | — |
| ROE | -31.02% | -34.07% | -33.42% | -34.36% | -24.42% | -22.61% | 59.45% | — |
| ROA | -8.59% | -10.94% | -14.50% | -17.61% | -15.97% | -14.76% | -26.19% | — |
| Asset Turnover | 0.38 | 0.28 | 0.26 | 0.15 | 0.09 | 0.11 | 0.16 | — |
| Book Value / Share | 7.22 | 8.36 | 10.18 | 13.35 | 16.14 | 16.07 | -16.41 | — |
Lemonade Inc. is a technology-driven insurance company that provides a range of property and casualty insurance products through a fully digital platform. The company focuses on renters, homeowners, condo, and pet health insurance, and in some markets offers additional coverages such as liability and personal property protection. Customers interact with Lemonade primarily via its mobile app and website, where artificial intelligence is used to underwrite policies, manage onboarding, and handle claims with a high degree of automation. This digital-first model is designed to simplify the insurance experience, from quote to claim, while reducing administrative friction. Operating across multiple U.S. states and select international markets, Lemonade targets consumers who prefer a streamlined, app-based approach over traditional insurance channels. Headquartered in New York City and founded in 2015, Lemonade today positions itself within the broader financial services and insurtech landscape as a provider of accessible, transparent property and casualty coverage for individuals and households.