LMND Lemonade, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: vertically-integrated, AI-powered digital insurance platform offering renters, homeowners, pet, car, and life insurance with high automation and customer alignment
• • New emphasis on specialized car insurance pricing using direct vehicle telemetry to differentiate autonomous miles at significant discount
• • Strategic refinement of reinsurance portfolio to balance capital efficiency (55% reinsured through mid-2025) with stable, growing gross margin
• • Pet insurance claims efficiency improved 78% with cost per claim dropping from $65 to $14; pet insurance book grew over 35x in incidents filed
• • Over 3 million customers served with platform operating in 41 US states plus multiple European countries, leveraging AI bots for 96% automated first-loss claim notices

Risk Factors

• • Regulatory risk: Compliance with EU Artificial Intelligence Act effective August 2026, imposing extensive obligations and fines up to 7% global turnover
• • Macroeconomic threat: California Proposition 103 restricts telematics use in largest car insurance market, limiting risk assessment and underwriting accuracy
• • Operational vulnerability: Dependence on third-party providers for life insurance product; loss or unfavorable contract renewal could disrupt operations and finances
• • Competitive threat: Intense competition from incumbents Progressive, GEICO, and tech entrants adopting AI threatens market share and profitability
• • Financial risk: Accumulated deficit $1,464.3M as of Dec 31, 2025; net loss $165.5M in 2025 with ongoing significant investments and profitability uncertain

Management Discussion & Analysis

• • Revenue $737.9M in 2025 vs $526.5M in 2024, up $211.4M or 40.2% YoY
• • Gross profit margin 40% in 2025 vs 32% in 2024; adjusted gross profit margin 41% vs 33%
• • Best performing segment: growth in customers to 2,984,513 from 2,430,056 (+554,457)
• • Worst performing metric: net loss $165.5M in 2025 vs $202.2M in 2024 (smaller loss but still negative)
• • Cash: $158.1M outstanding borrowings under Customer Investment Agreement; interest expense $17.3M; plan to invest heavily in sales and marketing growth, no capex or dividends disclosed
• • Outlook/risk: macroeconomic uncertainty including tariffs, inflation, geopolitical risks in Israel, and reinsurance availability could impact costs, loss ratios and returns

What are the latest LMND SEC filings in 2026?

Lemonade, Inc. (LMND) has filed a 10-K annual report on February 25, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on July 29, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did LMND file its most recent 10-K annual report?

Lemonade, Inc. (LMND) filed its most recent 10-K annual report on February 25, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view LMND 10-Q quarterly reports?

Lemonade, Inc. (LMND)'s most recent 10-Q quarterly report was filed on April 30, 2026. SignalX displays every LMND 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has LMND filed recently?

Lemonade, Inc. (LMND)'s most recent 8-K was filed on July 29, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find LMND insider trading activity (Form 4)?

SignalX aggregates every LMND Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does LMND file with the SEC?

Lemonade, Inc. (LMND) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new LMND filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Lemonade, Inc. (LMND).

What is LMND's SEC CIK number?

Lemonade, Inc. (LMND)'s SEC CIK (Central Index Key) number is 1691421. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1691421 to look up all LMND filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find LMND return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Lemonade, Inc. (LMND) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.