Lemonade Inc (LMND) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lemonade Inc stock (LMND) is currently trading at $65.47. Lemonade Inc PS ratio (Price-to-Sales) is 6.78. Analyst consensus price target for LMND is $65.78. WallStSmart rates LMND as Sell.
- LMND PE ratio analysis and historical PE chart
- LMND PS ratio (Price-to-Sales) history and trend
- LMND intrinsic value — DCF, Graham Number, EPV models
- LMND stock price prediction 2025 2026 2027 2028 2029 2030
- LMND fair value vs current price
- LMND insider transactions and insider buying
- Is LMND undervalued or overvalued?
- Lemonade Inc financial analysis — revenue, earnings, cash flow
- LMND Piotroski F-Score and Altman Z-Score
- LMND analyst price target and Smart Rating
Lemonade Inc
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Smart Analysis
Lemonade Inc (LMND) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in revenue growth, institutional own.. Concerns around return on equity and operating margin. Significant fundamental concerns warrant caution or avoidance.
Lemonade Inc (LMND) Key Strengths (3)
Revenue surging 53.50% year-over-year
59.66% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Lemonade Inc (LMND) Areas to Watch (5)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Very expensive at 9.6x book value
Premium valuation at 6.8x annual revenue
Supporting Valuation Data
Lemonade Inc (LMND) Detailed Analysis Report
Overall Assessment
This company scores 29/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 3 register as strengths (avg 8.3/10) while 5 fall into concern territory (avg 1.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, Institutional Own., Market Cap. Growth metrics are encouraging with Revenue Growth at 53.50%.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Some valuation metrics including Price/Sales (6.78), Price/Book (9.57) suggest expensive pricing. Profitability pressure is visible in Return on Equity at -29.40%, Operating Margin at -3.50%, Profit Margin at -22.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -29.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 53.50% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LMND Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LMND's Price-to-Sales ratio of 6.78x sits near its historical average of 6.1x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 2% below its historical high of 6.92x set in Mar 2026, and 29% above its historical low of 5.24x in Mar 2026. Over the past 12 months, the PS ratio has expanded from ~5.2x, reflecting growing market expectations outpacing revenue growth.
Compare LMND with Competitors
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Data-driven financial summary for Lemonade Inc (LMND) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Lemonade Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 738M with 54% growth year-over-year. The company is currently unprofitable, posting a -22.4% profit margin.
Key Findings
Revenue growing at 54% YoY, reaching 738M. This pace significantly outperforms most INSURANCE - PROPERTY & CASUALTY peers.
Generating 18M in free cash flow and 21M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -22.4% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Growth sustainability: can Lemonade Inc maintain 54%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 2.22, so expect amplified moves relative to the broader market.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Lemonade Inc.
Bottom Line
Lemonade Inc is a high-conviction growth story with revenue accelerating at 54% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -22.4% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(21 last 3 months)
| Insider | Type | Shares |
|---|---|---|
PETERS, JOHN SHELDON Chief Insurance Officer | Sell | -3,571 |
| Insider | Type | Shares |
|---|---|---|
SCHREIBER, DANIEL A. Director, Chief Executive Officer | Sell | -9,108 |
| Insider | Type | Shares |
|---|---|---|
PETERS, JOHN SHELDON Chief Insurance Officer | Sell | -10,000 |
Data sourced from SEC Form 4 filings
Last updated: 8:24:19 AM
About Lemonade Inc(LMND)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Lemonade, Inc. offers various insurance products in the United States and Europe. The company is headquartered in New York, New York.