Lemonade, Inc.

NYSE

LMND

Stock

Yield per half year: -38.07%
Dividend yield: 0%
Sector: Financials

Reporting Lemonade, Inc.

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд $				1.65	1.45	1.17	1.08		0.9749	1.34	-10.05
Выручка, млрд $	0.0024	0.0225	0.0673	0.0944	0.1284	0.2567	0.4298	0.5265	0.5265	0.2872	41.02
Чистая прибыль, млрд $	-0.0281	-0.0529	-0.1085	-0.1223	-0.2413	-0.2978	-0.2369	-0.2022	-0.2022	-0.2201	10.58
EV, млрд $		-0.1022	-0.27	3.41	2.24	0.6233	0.8952	2.34	2.34	1.90	-7.25
EBIT, млрд $		-0.0526	-0.1079	-0.1208	-0.2336	-0.1191	-0.2298	-0.2039	-0.2039	-0.1814	11.04
EBITDA, млрд $	0.028	-0.0525	-0.1073	-0.1191	-0.2299	-0.1069	-0.2098	-0.1839	-0.1839	-0.1699	9.08
OIBDA, млрд $				-0.1176	-0.2222	-0.2796	-0.2027	-0.1856	-0.1856	-0.2015	9.56
Баланс стоимость, млрд $	-0.0369	-0.0791	-0.1825	0.541	0.9882	0.8668	0.7089	0.5934	0.5934	0.7397	1.87
FCF, млрд $	-0.0194	-0.0415	-0.0814	-0.0961	-0.154	-0.1731	-0.1283	-0.0208	-0.0208	-0.1145	-26.37
Операционный денежный поток, млрд $	-0.0191	-0.0408	-0.0781	-0.0917	-0.1446	-0.163	-0.1191	-0.0114	-0.0114	-0.1060	-34.10
Операционная прибыль, млрд $	-0.028	-0.0526	-0.1079	-0.1208	-0.2336	-0.1191	-0.2298	-0.2039	-0.2039	-0.1814	11.04
Операционные расходы, млрд $	0.0269	0.075	0.175	0.126	0.213	0.3758	0.6596	0.7304	0.7304	0.4210	42.11
CAPEX, млрд $	0.0003	0.0007	0.0033	0.0044	0.0094	0.0101	0.0092	0.0094	0.0094	0.0085	16.40

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд $	4.96	3.47	1.75	1.3	1.52	1.28	1.05	1.09	1.12	1.05					1.12	-3.88
Выручка, млрд $					0.074	0.0884	0.0952	0.0996	0.1145	0.1155	0.1191	0.122	0.1366	0.1488	0.1284	5.20
Чистая прибыль, млрд $					-0.0914	-0.0637	-0.0658	-0.0672	-0.0615	-0.0424	-0.0473	-0.0572	-0.0677	-0.03	-0.0489	-6.69
EV, млрд $					1.23	0.6233	0.6398	1.02	0.5995	0.9008	0.9104	0.8633	0.9847	2.34	1.20	21.04
EBIT, млрд $					-0.0891	-0.0681	-0.0647	-0.071	-0.0646	-0.0396	-0.0452	-0.0551	-0.0658	-0.0378	-0.0487	-0.93
EBITDA, млрд $					-0.0854	-0.0627	-0.0596	-0.0659	-0.0596	-0.0348	-0.0402	-0.0499	-0.0607	-0.0331	-0.0437	-1.00
OIBDA, млрд $										-0.032	-0.0381	-0.0478	-0.0588	-0.0409	-0.0435	5.03
Баланс стоимость, млрд $					0.9068	0.8668	0.8218	0.771	0.7269	0.7089	0.6764	0.6352	0.593	0.5934	0.6414	-3.49
FCF, млрд $					-0.0576	-0.0312	-0.0491	-0.0522	-0.0085	-0.0185	-0.0323	-0.0132	0.0141	0.0106	-0.0079	-189.46
Операционный денежный поток, млрд $					-0.0547	-0.0286	-0.0464	-0.0503	-0.0063	-0.0161	-0.0298	-0.0117	0.0163	0.0138	-0.0055	-196.96
Операционная прибыль, млрд $					-0.0891	-0.0681	-0.0647	-0.0659	-0.0596	-0.0396	-0.0452	-0.0551	-0.0658	-0.0378	-0.0487	-0.93
Операционные расходы, млрд $					0.0977	0.1683	0.0827	0.0796	0.0831	0.1551	0.1643	0.1771	0.2024	0.1866	0.1771	3.77
CAPEX, млрд $					0.0029	0.0026	0.0027	0.0019	0.0022	0.0024	0.0025	0.0015	0.0022	0.0032	0.0024	5.92

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $	0.0168	0.1022	0.27	0.5708	0.2706	0.2825	0.2715	0.376	0.376	0.3543	-8.01
Short Term Investments $	0.0131	0.0092	0.0606	0.0066	0.8018	0.7501	0.3013	0.6349	0.6349	0.4989	149.25
Long term investments $		0.0092	0.0606	0.0066	0.8018	0.7501	0.6732			0.4585	61.86
Total Receivables $	0.0059	0.0377	0.0747	0.1405	0.2313	0.3624	0.3813	0.3012	0.3012	0.2833	16.48
Total Current Assets $	0.0359	0.1491	0.4053	0.7179	1.3	0.5659	0.8212	0.6869	0.6869	0.8184	-0.88
Чистые активы, млрд $	0.032	0.149	0.4053	0.7179	1.3	0.0196	0.5292		0.0196	0.5944	5.48
Активы, млрд $	0.0442	0.1538	0.4143	0.8287	1.51	1.69	1.3	1.85	1.85	1.44	17.42
Short Term Debt $						0.0088	0.025		0.025	0.0169	68.55
Long Term Debt $				0.0621	0.1031	0.136	0.0149	0.0834	0.0834	0.0799	6.08
Задолженность, млрд $	0.0122	0.2329	0.5968	0.2877	0.5223	0.8239	0.5897	1.26	1.26	0.6967	34.36
Чистый долг, млрд $	-0.0169	-0.1022	-0.27	-0.5708	-0.2483	-0.2473	-0.2284	-0.2688	-0.2688	-0.3127	-13.98
Долг, млрд $					0.0223	0.1448	0.0431	0.1072	0.1072	0.0794	48.07
Interest income $		0.001		0.001	0.0004	0.0012	0.0042			0.0016	33.24
Чист. проц. доходы, млрд $		0.001		0.001	0.0004	0.0012	0.0042		0.0042	0.0016	33.24
Goodwill $			-0.0018			0.019	0.019			0.0121	-319.36
Амортизация, млрд $	0.028	0.0001	0.0006	0.0017	0.0037	0.0122	0.02	0.02	0.02	0.0115	63.73
Товарно материальные запасы $		-0.1355	0.382	0.6638	0.5951	1.66	1.32		1.32	0.9242	28.15

	2019Q4	2020Q1	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд $										0.222	0.2825	0.2501	0.1886	0.2317	0.2715	0.2852	0.3497	0.3378	0.376	0.3240	6.73
Short Term Investments $										0.8359	0.7501	0.7379	0.3717	0.3263	0.3013	0.2458	0.2179	0.0311	0.6349	0.2862	16.08
Long term investments $						0.8051	0.8018	0.6947	0.6741	0.8359	0.7501	0.7379	0.7481	0.7068	0.6732					0.7232	-2.14
Total Receivables $										0.324	0.3624	0.3387	0.3622	0.3678	0.3813	0.4072	0.4627	0.2977	0.4754	0.4049	4.51
Total Current Assets $										0.5555	0.5659	0.5292	0.4629	0.5347	0.8212	0.7681	0.8273	0.6666	1.75	0.9666	16.34
Чистые активы, млрд $					1.1	1.05	0.9882	1.26	0.4331	0.5555	0.0196	0.0198	0.019	0.0174						0.1263	-49.98
Активы, млрд $										1.71	1.69	1.64	1.61	1.65	1.3	1.27	1.29	1.82	1.85	1.51	7.31
Short Term Debt $											0.0088			0.0077	0.025	0.0283	0.0439	0.0674		0.0345	54.32
Long Term Debt $										0.1317	0.136	0.1291	0.1293	0.0077	0.0149	0.0283	0.0439	0.0674	0.0834	0.0476	41.12
Задолженность, млрд $										0.8061	0.8239	0.8194	0.8421	0.9207	0.5897	0.5954	0.6575	1.23	1.26	0.8665	16.40
Чистый долг, млрд $										-0.1854	-0.2473	-0.2165	-0.1569	-0.1943	-0.2284	-0.231	-0.2824	-0.241	-0.2688	-0.2503	3.31
Долг, млрд $										0.0366	0.0352	0.0336	0.0317	0.0374	0.0431	0.0542	0.0673	0.0888	0.1072	0.0721	19.99
Interest income $			0.0001	0.0002	0.0001	0.0001				0.0003	0.0008	0.0012	0.001	0.0008	0.0012					0.0010	8.45
Чист. проц. доходы, млрд $				0.0002	0.0001	0.0001				0.0003	0.0008	0.0012	0.001	0.0008	0.0012	0.0015				0.0011	4.56
Goodwill $	-0.0018	-0.0021							-0.0074	0.0109	0.019	0.019	0.019	0.019	0.019					0.0190	0.00
Амортизация, млрд $										0.0037	0.0054	0.0051	0.0051	0.005	0.0048	0.005	0.0052	0.0051	0.0047	0.0050	-0.42
Себестоимость, млрд $													-0.005				-0.0165	-0.024		-0.0152	68.69
Товарно материальные запасы $									-1.66	-1.63	1.66	1.54	1.22	1.18	1.32	1.33	0.6534	0.891		1.07	-5.46

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-1.21	-2.49	-3.63	-3.94	-4.59	-3.4	-2.85		-2.85	-3.6820	-4.72
Цена акции ао			50.06	122.5	15.94	16.13	36.68	30.92	30.92	44.43	-24.07
Число акций ао, млн	43	39	33	61	64.92	69.66	71.02		71.02	59.92	16.57
FCF/акцию	-0.9516	-1.87	-2.86	-2.52	-2.67	-1.84	-0.2929		-0.2929	-2.0366	-36.60

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS					-1.37	-0.9812	-0.949	-0.9664	-0.8817	-0.6057	-0.673	-0.8088	-0.9517	-0.4224			-0.6923	-6.95
Цена акции ао			28.32	21.07	22.73	19.77	15.2	15.65	16.04	15.07					36.62	30.92	22.86	14.59
Число акций ао, млн	61.58	61.7	61.7	61.82	66.88	64.92	69.33	69.53	69.75	70							68.71	1.52
FCF/акцию					-0.8613	-0.4806	-0.7082	-0.7507	-0.1219	-0.2643	-0.4596	-0.1866	0.1982	0.1492			-0.1126	-189.19

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-87.81	224.63	82.95	-68.23	-31.56	-32.11	-30.07	-31.05		-31.05	23.22	-38.6040	-14.57
ROA, %	-63.57	-53.43	-38.2	-19.68	-20.63	-18.61	-15.85	-12.85		-12.85	4.05	-17.5240	-8.17
ROS, %	-1170.83	-235.11	-161.22	-129.56	-187.93	-116.01	-55.12	-38.4	-38.4	-38.4	22.65	-87.1720	-27.21
ROCE, %		-45.78	-26.34	-14.83	-15.67	-7.13	-20.94	-11.27	-34.36	-34.36	26.26	-17.8740	17.00
Ebit margin, %			-160.33	-127.97	-181.93	-46.4	-53.47	-38.73	-38.73	-38.73		-71.8520	-26.61
Рентаб EBITDA, %	1166.67	-233.33	-159.44	-126.17	-179.05	-41.64	-48.81	-34.93	-34.93	-34.93	36.41	-67.8720	-27.88
Чистая рентаб, %	-1170.83	-235.11	-161.22	-129.56	-187.93	-116.01	-55.12	-38.4		-38.4	22.53	-105.4040	-21.59
Operation Margin, %	-1166.67	-233.78	-160.33	-127.97	-181.93	-46.4	-53.47	-38.73	-38.73	-38.73	34.06	-71.8520	-26.61
Чистая процентная маржа, %		-235.11	-161.22	-129.56	-187.93					-179.02	25.36	-178.4550	-5.45
Доходность FCF, %				-2.34	-2.81	-11.61	-11.83					-7.1475	49.95

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					-9.81	-7.09	-7.54	-7.89	-7.51	-5.46	-6.4	-8.13	-10.1	-4.7		23.22	-6.9580	-2.95
ROA, %					-5.76	-3.74	-3.95	-4.13	-3.77	-2.88	-3.68	-4.46	-4.35	-1.63		4.05	-3.4000	-10.76
ROS, %						-72.06	-69.12	-67.47	-53.71	-36.71	-39.71	-46.89	-49.56	-20.16	-38.4	22.65	-38.9440	-0.67
ROCE, %						-4.34	-4.02	-4.31	-3.98	-2.68	-3.35	-4.49	-5.18	-2.72	-34.36	26.26	-10.0200	59.29
Ebit margin, %								-71.29	-56.42	-34.29	-37.95	-45.16	-48.17	-25.4	-38.73		-39.0820	0.41
Рентаб EBITDA, %						-70.93	-62.61	-66.16	-52.05	-30.13	-33.75	-40.9	-44.44	-22.24	-34.93	36.41	-35.2520	0.69
Чистая рентаб, %					-123.51	-72.06	-69.12	-67.47	-53.71	-36.71	-39.71	-46.89	-49.56	-20.16		22.53	-38.6060	-11.30
Operation Margin, %						-77.04	-67.96	-66.16	-52.05	-34.29	-37.95	-45.16	-48.17	-25.4	-38.73	34.06	-39.0820	0.41
Доходность FCF, %	-0.8239	-1.5	-2.42	-3.22	-3.79	-2.43	-4.66	-4.8	-0.7597	-1.75							-2.8799	-6.35

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				-33.64	-22.68	-5	-4.58				24.94	-16.4750	-39.26
P/BV				7.36	2.52	1	1.58	4.39		4.39	5.58	3.37	-9.82
P/S				42.19	19.39	3.39	2.61	4.95		4.95	5.06	14.51	-34.86
P/FCF				-42.81	-35.54	-8.61	-5.63	-7.6	-46.87	-46.87	7.71	-20.8500	5.69
E/P				-0.0297	-0.0441	-0.1998	-0.2185	-0.243	-0.2074	-0.2074	1.16	-0.1826	36.29
EV/EBIT			2.5	-28.24	-9.59	-5.23	-3.9	-11.46	-11.46	-11.46		-8.3280	3.63
EV/EBITDA		1.95	2.52	-28.65	-9.75	-5.83	-4.27	-12.7		-12.7	-3.80	-12.2400	-15.02
EV/S			-4.01	36.14	17.45	2.43	2.08	4.44	4.44	4.44	5.74	6.17	-23.95
EV/FCF			3.32	-35.5	-14.55	-3.6	-6.98	-112.32	-112.32	-112.32	13.03	-49.9540	50.49
Debt/EBITDA					-0.097	-1.35	-0.2054	-0.5829	-0.5829	-0.5829	-6.66	-0.5636	43.14
Netdebt/Ebitda	-0.6036	1.95	2.52	4.79	1.08	2.31	1.09	1.46	1.46	1.46	-13.63	1.48	6.21
Debt/Ratio					0.0148	0.0856	0.0332	0.058	0.058	0.058	0.19	0.0499	31.41
Debt/Equity					0.0226	0.1671	0.0608	0.1807	2.12	2.12	8.96	0.5102	148.00
Debt/Net Income					-0.0924	-0.4862	-0.1819	-0.5302	-0.5302	-0.5302	23.77	-0.3642	41.83
PEG									0	0
Бета				0	-5.44	1.57	3.34	18.21	1.07	1.07	0.72	3.75	-172.24
Индекс Альтмана				5.38	2.86	-2.2	0.4472	0.5985	0.508	0.508	4.70	0.4427	-29.22

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	-74.76	-49.32	-23.36	-19.18	-16.63	-20.15	-16.02	-16.19	-18.19	-24.88							24.94	-19.0860	4.31
P/BV					1.56	1	1.04	1.53	1.09	1.59	1.69	1.8	2.07	4.39			5.58	2.31	22.52
P/S					6.43	3.36	2.66	3.21	1.96	2.61	2.5	2.41	2.47	4.93			5.06	2.98	13.56
P/FCF		-66.81	-41.3	-31.01	-26.39	-41.14	-21.47	-20.84	-131.63	-57.01						-46.87	7.71	-55.5640	16.90
E/P		-0.0203	-0.0428	-0.0521	-0.0601	-0.0496	-0.0624	-0.0618	-0.055	-0.0402						-0.2074	1.16	-0.0854	27.15
EV/EBIT								-14.35	-9.28	-22.75	-20.14	-15.67	-14.97	-61.81		-11.46		-24.8100	-10.66
EV/EBITDA					-4.29	-2.21	-2.36	-3.72	-2.42	-4.29	-4.78	-4.81	-5.31	-12.7			-3.80	-6.3780	24.24
EV/S						12.96		10.23	5.24	7.8	7.64	7.08	7.21	15.7		4.44	5.74	8.41	-10.29
EV/FCF						-36.73		-19.52	-70.53	-48.69	-28.19	-65.4	69.84	220.41		-112.32	13.03	16.87	31.85
Debt/EBITDA				-0.3454		-2.31		-0.481	-0.6275	-1.24	-1.35	-1.35	-1.46	-3.24		-0.5829	-6.66	-1.5966	-15.46
Netdebt/Ebitda						3.94	3.63	2.38	3.26	6.56	5.75	5.66	3.97	8.12		1.46	-13.63	4.99	-23.98
Debt/Ratio						0.0856		0.0197	0.0227	0.0332	0.0426	0.0521	0.0487	0.058		0.058	0.19	0.0519	6.37
Debt/Equity						0.1671		0.0411	0.0515	0.0608	0.0801	0.106	0.1497	0.1807		2.12	8.96	0.5273	92.55
Debt/Net Income						-2.27		-0.4717	-0.6081	-1.02	-1.15	-1.18	-1.31	-3.57		-0.5302	23.77	-1.5480	-14.35
Бета															2.97	1.07	0.72	2.02	-39.98
Индекс Альтмана		2.54	1.17	0.9936	0.807	0.7407	0.5979	0.6052	0.659						0.5985	0.508	4.70	0.5937	-3.21

Dividends

IFRS

Reporting Annual

	2020	2021	2022	2023	LTM	Industry average	5 year average	CAGR 5
Дивиденд					0
Див доход, ао, %	0	0	0	0	0	2.44
Дивиденды / прибыль, %	0	0	0		0	43.17

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	4.66	7.32	3.93	2.14	1.79	1.79	-17.42
Персонал, чел		567	1 119	1 367	1 258		22.05

	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	CAGR 5
CAPEX/Выручка, %	2.08	2.1	1.23	1.61	2.15	0.66

	CAGR 5