What is the 13F Pro Quality Score for LMND?

13F Pro ranks Lemonade, Inc. (LMND) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View LMND's current score at https://13fpro.ai/research/LMND (free sign-up required for the full ranking).

Where does 13F Pro source LMND data?

All Lemonade, Inc. fundamentals and ownership data come directly from SEC EDGAR. Lemonade, Inc. files with the SEC under CIK 1691421. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is LMND in?

Lemonade, Inc. (LMND) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is LMND research updated on 13F Pro?

LMND's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Lemonade, Inc.(LMND)Stock Analysis

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SEC EDGAR: CIK 1691421 LMND stock profile & AI dashboard →

13F Pro Quality Score

36.8/100

Rank #2,081 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

88.7/100

Profitability

17.2/100

Balance Sheet

18.5/100

Earnings Quality

30.0/100

Free Cash Flow

22.4/100

Institutional Flow

7.2/100

Revenue Scale

44.5/100

Dilution Risk

19.1/100

LMND Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Lemonade, Inc. (LMND), a Financials sector company. 13F Pro's AI-powered ranking engine scores LMND at 36.8/100 on a 32-signal composite quality model, placing it at rank #2,081 of 2,879 stocks — the bottom half of the AI-ranked universe. LMND scores in the top quartile across revenue growth (88.7). Areas of concern include institutional flow (7.2) and profitability (17.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 19.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Lemonade, Inc. reports quarterly revenue of $258.0M, net income of $-35.8M, free cash flow of $-4.1M. Top institutional holders of LMND by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. LMND trades on the NYSE exchange and files with the SEC under CIK 1691421. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LMND daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Lemonade, Inc. directly from SEC EDGAR. Lemonade, Inc.'s 13F Pro composite quality score has ranged between 8 and 78 since 2021, currently 36.8 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about Lemonade, Inc.

Quirks, history, and lore behind LMND — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance company · small-cap · listed on the NYSE · headquartered in New York City.
2
The Numbers
Annual revenue in the low hundreds of millions of dollars, with a loss history that's longer than its profit history — classic hypergrowth insurer still chasing the break-even line.
3
The History
Founded in 2015 by a pair of tech entrepreneurs, it went public in 2020 and was briefly a Wall Street darling before the cold reality of insurance loss ratios brought everyone back to earth.
4
The Secret
It runs entirely on artificial intelligence and behavioral economics — its app can approve a policy in 90 seconds and pay a claim in as little as three minutes, no humans required.
5
The Lore
It takes a flat fee from premiums and donates leftover money to charities chosen by policyholders — a model it calls Giveback — to remove the insurer's incentive to deny claims.
6
The Giveaway
Renters, pet, and homeowners insurance — served ice cold, via an app, with a name that sounds refreshingly simple and a stock ticker that's basically a pun on its own product.

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Revenue

Q1 2026

$258.0M

Net Income

Q1 2026

$-35.8M

Free Cash Flow

Q1 2026

$-4.1M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+40.2% YoY

$737.9MFY 2025

FY22 $256.7MFY23 $429.8MFY24 $526.5MFY25 $737.9M

Net Income

+17.9% YoY

$-166.0MFY 2025

FY22 $-297.8MFY23 $-236.9MFY24 $-202.2MFY25 $-166.0M

EPS (Diluted)

+21.4% YoY

$-2.24FY 2025

FY22 $-4.59FY23 $-3.40FY24 $-2.85FY25 $-2.24

Total Assets

+4.1% YoY

$1.93BFY 2025

FY22 $1.69BFY23 $1.63BFY24 $1.85BFY25 $1.93B

Op. Cash Flow

-44.7% YoY

$-16.5MFY 2025

FY22 $-163.0MFY23 $-119.1MFY24 $-11.4MFY25 $-16.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$737.9M +40.2%	$526.5M +22.5%	$429.8M +67.4%	$256.7M +99.9%	$128.4M +90.8%	$67.3M
Net Income	$-166.0M +17.9%	$-202.2M +14.6%	$-236.9M +20.4%	$-297.8M -23.4%	$-241.3M -122.4%	$-108.5M
EPS (Diluted)	$-2.24 +21.4%	$-2.85 +16.2%	$-3.40 +25.9%	$-4.59 -16.5%	$-3.94 +59.6%	$-9.75
Total Assets	$1.93B +4.1%	$1.85B +13.2%	$1.63B -3.4%	$1.69B +11.9%	$1.51B +264.6%	$414.3M
Operating Cash Flow	$-16.5M -44.7%	$-11.4M +90.4%	$-119.1M +26.9%	$-163.0M -12.7%	$-144.6M -85.1%	$-78.1M

AI Insight: LMND Financial Trends

Lemonade accelerated revenue growth to 71% year-over-year in Q1 2026 while narrowing losses from $57M to $22M in Q4 2025.

• Revenue surged from $122M in Q2 2024 to $258M in Q1 2026, with acceleration from 12% sequential growth in Q2 2025 to 13% in Q1 2026.

• Net losses improved significantly from $68M in Q3 2024 to $22M in Q4 2025 before widening to $36M in Q1 2026.

• Operating cash flow remains volatile, swinging from $21M positive in Q4 2025 to $1M negative in Q1 2026.

⚠ Equity declined from $635M in Q2 2024 to $518M in Q1 2026 amid continued losses.

⚠ Net losses widened 64% from Q4 2025's $22M to Q1 2026's $36M despite strong revenue growth.

AI Insight: LMND Ratio Trends

Lemonade's operating margin improved dramatically from -48.2% in Q3 2024 to -9.0% in Q4 2025, but deteriorated to -13.4% in Q1 2026.

• Operating margin improved 39.2pp from Q3 2024's -48.2% to Q4 2025's -9.0%.

• ROIC recovered from -45.0% in Q1 2025 to -15.4% in Q4 2025.

• Net profit margin narrowed losses from -49.6% in Q3 2024 to -9.5% in Q4 2025.

⚠ Operating margin deteriorated from -9.0% in Q4 2025 to -13.4% in Q1 2026.

⚠ ROE worsened from -16.3% in Q4 2025 to -27.6% in Q1 2026.

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Available Research

13F Pro tracks comprehensive data for Lemonade, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of LMND

BlackRock, Inc.
$311.5M4,968,901 sh
VANGUARD CAPITAL MANAGEMENT LLC
$189.2M3,018,092 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$186.9M2,981,857 sh
BAILLIE GIFFORD & CO
$173.4M2,766,426 sh
GEODE CAPITAL MANAGEMENT, LLC
$107.6M1,715,851 sh
STATE STREET CORP
$97.4M1,554,499 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$93.7M1,495,600 sh
JANE STREET GROUP, LLC
$77.1M1,229,900 sh
JANE STREET GROUP, LLC
$76.4M1,218,215 sh
MORGAN STANLEY
$73.0M1,164,638 sh

Fund	Value	Shares
BlackRock, Inc.	$311.5M	4,968,901
VANGUARD CAPITAL MANAGEMENT LLC	$189.2M	3,018,092
VANGUARD PORTFOLIO MANAGEMENT LLC	$186.9M	2,981,857
BAILLIE GIFFORD & CO	$173.4M	2,766,426
GEODE CAPITAL MANAGEMENT, LLC	$107.6M	1,715,851
STATE STREET CORP	$97.4M	1,554,499
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$93.7M	1,495,600
JANE STREET GROUP, LLC	$77.1M	1,229,900
JANE STREET GROUP, LLC	$76.4M	1,218,215
MORGAN STANLEY	$73.0M	1,164,638

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Is LMND a good stock to buy?

13F Pro's AI-powered analysis of Lemonade, Inc. (LMND) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LMND are available on the LMND stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own LMND?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LMND. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Lemonade, Inc.'s investment landscape.