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Lemonade (LMND)
NYSE:LMND
Earnings Data
Report Date
May 13, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
-0.88Last Year’s EPS
-0.67Same Quarter Last Year
Based on 7 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 25, 2025
|% Change Since: 11.75%
|Next Earnings Date:May 13, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted Lemonade's record-breaking financial performance in Q4 2024, with significant growth in gross profit and cash flow positivity. While there are challenges such as the impact of California Wildfires and a slight decline in annual dollar retention, the company's strategic positioning and operational efficiencies indicate a strong potential for future growth. The overall sentiment is positive, with more emphasis on achievements and future projections than on the challenges faced.Company Guidance
In the Lemonade Fourth Quarter 2024 earnings call, the company provided optimistic guidance for 2025, expecting in-force premium (IFP) growth of 28% as they scale operations and focus on profitability. Their 2024 results showed a 26% increase in IFP, a gross loss ratio of 63%, and a record adjusted free cash flow of $48 million, marking their first cash-flow-positive year. Despite the impact of the California wildfires, which is expected to have a $20 million EBITDA impact, Lemonade aims to maintain a positive adjusted free cash flow and improve EBITDA sequentially in 2025. The company plans to increase growth spend by 40% year-over-year, focusing on expanding their car insurance product and leveraging their AI platform to drive operational efficiencies. As they navigate inflationary pressures and catastrophe (CAT) events, Lemonade emphasizes their cautious underwriting and strong reinsurance programs, positioning them well for continued growth and margin expansion.Best Quarter and Year to Date
Q4 2024 was Lemonade's best quarter ever across KPIs, marking a 26% IFP growth. 2024 was their best year with cash flow positive results of $48 million.
Record Gross Profit Growth
Gross profit doubled year-over-year to $167 million, indicating significant margin expansion and operational efficiency.
Positive Adjusted Free Cash Flow
Lemonade achieved a positive adjusted free cash flow of $27 million in Q4 2024, ensuring a cash flow positive year overall.
Improved Loss Ratios
The trailing 12-month gross loss ratio ended at 73%, a 12-point improvement year-over-year, contributing to margin expansion.
Strong Operational Leverage
Operating expenses excluding growth spend declined in inflation-adjusted terms, and EBITDA was positive for the first time in Q4.
Guidance for Further Growth
For 2025, Lemonade expects IFP growth of 28% and plans to ramp growth spend by approximately 40% year-over-year.
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LMND Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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LMND Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 25, 2025 | $31.99 | $31.48 | -1.59% |
| Oct 30, 2024 | $18.75 | $23.77 | +26.77% |
| Jul 30, 2024 | $22.63 | $18.03 | -20.33% |
| Apr 30, 2024 | $17.23 | $17.34 | +0.64% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Lemonade (LMND) report earnings?
Lemonade (LMND) is schdueled to report earning on May 13, 2025, TBA Not Confirmed.
What is Lemonade (LMND) earnings time?
Lemonade (LMND) earnings time is at May 13, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LMND EPS forecast?
LMND EPS forecast for the fiscal quarter 2025 (Q1) is -0.88.
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