US · LMND
Lemonade, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- New York City, NY 10013
- Website
- lemonade.com
Price · as of 2025-12-31
$56.66
Market cap 3.87B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $40.31 | -28.86% |
| Intrinsic Value(DCF) | $279.93 | +394.05% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $0.00 | $0.00 | |||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $104.54 | $67.21 | $10,706.83 | $0.00 | $0.00 |
| 2021 | $18.83 | $21.41 | $630.03 | $0.00 | $0.00 |
| 2022 | $13.52 | $26.64 | $13,116.95 | $0.00 | $0.00 |
| 2023 | $17.77 | $28.34 | $20,323.20 | $0.00 | $0.00 |
| 2024 | $36.16 | $38.01 | $3,923.41 | $0.00 | $0.00 |
| 2025 | $53.26 | $40.31 | $964.59 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates Lemonade, Inc.'s (LMND) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $40.31
- Current price
- $56.66
- AI upside
- -28.86%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$279.93
+394.05% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LMND | Lemonade, Inc. | $56.66 | 3.87B | -29% | +394% | — | — | -23.11 | 7.17 | 5.52 | -23.53 | — | 7.55 | 36.27% | -23.60% | -24.15% | -29.37% | 188.70% | -8.77% | 0.00 | — | — | — | 2.72 | -1930.00% | 3172.00% | 2452.00% | -0.68% | — | 29.86% | 0.00% | 0.00% | 3.35% | -20.94 | -132.36 | 4.94 | 1.16 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| ALL | The Allstate Corporation | $214.52 | 56.14B | +12% | -44% | +10% | +130% | 5.41 | 1.82 | 0.84 | 4.45 | 4.33 | 2.61 | 33.23% | 19.80% | 15.47% | 39.51% | 33.27% | 8.89% | 0.24 | 32.97 | — | — | 0.49 | 12478.00% | 464.00% | 1331.00% | 17.78% | — | 32.03% | 2.07% | 11.20% | 5.32% | 4.74 | 6.32 | 0.94 | 2.14 |
| FLG | Flagstar Financial, Inc. | $12.69 | 5.28B | +99% | -1% | +38% | -42% | -30.22 | 0.66 | 1.14 | -6.46 | — | 0.69 | 37.61% | -4.22% | -3.77% | -2.17% | -42.40% | -0.19% | 1.50 | -0.07 | 0.54 | 0.54 | -58.74 | -8539.00% | -2646.00% | -46200.00% | -3.38% | -0.01 | -43.35% | 0.00% | 0.00% | 0.00% | -6.46 | -7.07 | 0.27 | -0.12 |
| HGTY | Hagerty, Inc. | $11.74 | 4.03B | +683% | +518% | -32% | +242% | 6.95 | 3.37 | 0.71 | 7.30 | 0.50 | 9.89 | 81.90% | 75.41% | 8.87% | 65.13% | -608.30% | 7.85% | 0.76 | 26.86 | — | — | -1.77 | 138000.00% | 2223.00% | 2490.00% | 18.76% | — | -116.08% | 0.54% | 3.80% | 11.13% | 0.25 | 1.41 | 0.19 | 3.24 |
| LAZ | Lazard Ltd | $50.60 | 4.8B | +106% | -48% | -58% | -46% | 20.91 | 5.67 | 1.55 | 13.04 | — | 10.35 | 31.79% | 13.03% | 7.43% | 31.37% | 20.99% | 4.87% | 2.95 | 4.74 | 29.35 | 31.84 | 2.39 | -1903.00% | 325.00% | -2755.00% | 10.20% | 6.66 | 33.32% | 0.00% | 0.00% | 1.84% | 14.11 | 11.60 | 1.84 | 2.65 |
| MCY | Mercury General Corporati… | $90.58 | 5.02B | +6% | +295% | -20% | +85% | 9.37 | 2.10 | 0.85 | 5.67 | 60.01 | 2.14 | 33.87% | 11.07% | 9.03% | 24.80% | 33.54% | 6.06% | 0.25 | 23.19 | 66.98 | 66.98 | -0.94 | 1562.00% | 944.00% | 381.00% | 20.28% | 35.33 | 63.77% | 1.39% | 13.00% | 12.99% | 6.56 | 4.23 | 0.73 | 1.88 |
| RDN | Radian Group Inc. | $34.52 | 4.7B | +46% | -24% | +16% | -40% | 8.28 | 1.01 | 3.87 | 6.80 | 147.46 | 1.01 | 92.30% | 61.19% | 46.73% | 12.39% | 16.57% | 6.94% | 0.24 | 11.64 | 0.14 | 0.14 | 1.24 | 561.00% | -336.00% | -15048.00% | 6.98% | 0.32 | 9.32% | 3.02% | 25.00% | 37.30% | 7.77 | 17.62 | 4.75 | 2.08 |
| RLI | RLI Corp. | $62.32 | 5.73B | -9% | -30% | -98% | 0% | 14.35 | 3.26 | 3.08 | 10.78 | 86.59 | 3.36 | 29.82% | 27.53% | 21.43% | 24.44% | 25.71% | 7.31% | 0.06 | 96.73 | 1.33 | 2.96 | 0.09 | 1658.00% | 633.00% | 957.00% | 10.51% | 4.73 | 37.89% | 4.17% | 59.90% | 4.38% | 11.03 | 9.39 | 3.04 | 1.95 |
| SIGI | Selective Insurance Group… | $84.04 | 5.08B | -8% | -60% | -14% | +59% | 11.12 | 1.44 | 0.97 | 7.21 | 8.45 | 1.67 | 40.86% | 11.05% | 8.74% | 13.86% | 16.12% | 3.25% | 0.25 | 11.95 | 650.38 | 164.40 | 1.34 | 13158.00% | 978.00% | 1539.00% | 23.79% | 75.28 | 42.63% | 1.97% | 21.90% | 3.75% | 8.21 | 3.92 | 0.91 | 1.94 |
| WTM | White Mountains Insurance… | $2,220.51 | 5.51B | +29% | +420% | +93% | +339% | 5.18 | 1.06 | 2.12 | 4.53 | 1.37 | 1.40 | 53.72% | 49.08% | 40.87% | 22.33% | 24.14% | 9.95% | 0.15 | 22.60 | — | — | 0.46 | 37905.00% | 1499.00% | -10123.00% | -0.13% | — | -0.14% | 0.05% | 0.20% | 0.05% | 4.80 | -886.67 | 2.36 | 1.70 |
About Lemonade, Inc.
Lemonade, Inc. provides various insurance products in the United States and Europe. Its insurance products include stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. The company also offers renters, homeowners, pet, car, and life insurance products, as well as landlord insurance policies. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. and changed its name to Lemonade, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.
- CEO
- Daniel Asher Schreiber
- Employees
- 1.24K
- Beta
- 2.05
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($279.93 ÷ $56.66) − 1 = +394.05% (DCF, example).