Lemonade Inc (LMND)

NYSE · Financial · Insurance - Property & Casualty · USA

Lemonade Inc is a mid cap company (market value between $2 billion and $10 billion) in the Insurance - Property & Casualty industry.

Lemonade offers renters, homeowners, pet, car, and life insurance through a digital platform powered by artificial intelligence and chatbots. The company operates insurance subsidiaries across North America and Europe, including the UK, employing proprietary technology for customer acquisition, underwriting, and claims handling. Customers purchase policies and file claims via automated systems, with reinsurance managing risk exposure.

From its FY2025 annual report (Form 10-K)

Intrinsic value, DCF valuation, financial health and value investing analysis for the Lemonade Inc stock.

Our verdict on LMND

Overvalued: intrinsic value $6.46 per share, market price $43.15, margin of safety -568.0% (as of 2026-10-19).

Book value and earnings at sector multiples values the shares at $6.46; the price of $43.15 is 568% above that value.

ETFs with the most weight in LMND

17 more funds hold it; the full list is part of the paid plan.

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Cheaper than LMND in Insurance - Property & Casualty

32 more in this industry show a wider margin of safety.

Is LMND undervalued or overvalued?

LMND is overvalued (as of the 2026-10-19 close). Book value and earnings at sector multiples values the shares at $6.46; the price of $43.15 is 568% above that value.

What is the intrinsic value of LMND?

$6.46 per share (as of the 2026-10-19 close), against a market price of $43.15. That is a margin of safety of -568.0%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.