Stock Ratings / Financials / LMND / forecast

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Lemonade Inc. (LMND) 12-Month Stock Forecast & Price Target Cone

$45.91 +1.21% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Lemonade Inc. (LMND) carries a Roarable Rating of D- (Sell) with 38/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $3.55B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LMND)Realized 20D OHLCV Swing Band: ±8.9%

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your LMND Position Size: $10,000

Shares at $45.91: 217.8 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $32.59

$7,099

$-2,901 (-29.0%)

12M Consensus BaseTarget $41.78

$9,100

$-900 (-9.0%)

12M Bull Case BreakoutTarget $104.90

$22,849

+$12,849 (+128.5%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 9

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$43	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$99	69%	B
JP MorganUS Large-Cap Research	SELL	$37	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LMND)

✓Walkthrough of LMND's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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LMND // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -18.94%▼ DESCENDING CHANNEL

2026-10-30O $44.49H $45.91L $42.53C $45.91VOL 1.39M

RES: $51.97SUP: $41.93SMA50: $47.87SMA200: $58.41

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LMND Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LMND Butterfly Map → + Track LMND →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +40.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LMND today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LMND. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LMND today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LMND)

Financials Rank #1004 of 1096 ⚔️ PLMR vs LMND Full Matrix →

1. Head-to-Head Financials Peer Comparison (LMND vs. PLMR, NMIH, SLDE, AGO)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Lemonade Inc. (LMND) ranks #1004 by composite RQD confidence (38/100, grade D-) and #329 by equity capitalization ($3.55B). Within this direct 5-issuer industry benchmark cohort, AGO leads on earnings valuation at 6.2x trailing P/E, while SLDE leads on capital efficiency and profitability with 39.9% ROIC and — gross margin. SLDE currently holds the highest overall quantitative score in the immediate peer group at 82/100 (A-) compared with LMND at 38/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LMND ACTIVE Lemonade Inc.	D-	38/100	—	—	-31.1%	+1.21%	$3.55B	Benchmark Subject
PLMR Palomar Holdings Inc.	B	75/100	18.3x	—	20.9%	+0.54%	$3.61B	/plmr-vs-lmnd →
NMIH NMI Holdings Inc.	C+	68/100	8.4x	—	15.0%	+2.54%	$3.25B	/nmih-vs-lmnd →
SLDE Slide Insurance Holdings Inc.	A-	82/100	7.2x	—	39.9%	+1.29%	$3.22B	/slde-vs-lmnd →
AGO Assured Guaranty Ltd.	C	63/100	6.2x	—	8.9%	+2.25%	$3.12B	/ago-vs-lmnd →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001691421

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lemonade Inc. (LMND) reported GAAP revenue of $737.9M (+40.2% vs. FY2024 revenue of $526.5M , and +71.7% cumulative change since FY2023) , GAAP net income of -$166.0M, operating cash flow of -$16.5M, and free cash flow of -$25.9M (-24.5% YoY). On the balance sheet, LMND closed FY2025 with $1.93B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$737.9M	-$166.0M	-$16.5M	-$25.9M	$1.93B	—
FY2024 (FY)	2024-12-31	$526.5M	-$202.2M	-$11.4M	-$20.8M	$1.85B	—
FY2023 (FY)	2023-12-31	$429.8M	-$236.9M	-$119.1M	-$119.1M	—	—

3. LMND Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LMND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Lemonade Inc. (NYSE: LMND) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 38/100 at a spot price of $45.91 (+1.21% 1D, market cap $3.55B). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, LMND ranks #1004 in composite RQD confidence.

How does LMND compare to PLMR and NMIH in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), LMND carries a Roarable D- (38/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -31.1%. By comparison, PLMR (Palomar Holdings Inc.) holds a B grade (75/100 RQD, P/E 18.3x, ROIC 20.9%, cap $3.61B) and NMIH (NMI Holdings Inc.) posts a C+ grade (68/100 RQD, P/E 8.4x, ROIC 15.0%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LMND?

Per LMND's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001691421), Lemonade Inc. generated $737.9M in revenue (+40.2% YoY), -$166.0M in net income, and -$25.9M in free cash flow against $1.93B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LMND trading relative to its 50-day, 200-day, and 52-week technical levels?

LMND last traded at $45.91 (+1.21% on volume of 1,060,441 shares), positioning the stock -4.09% below its 50-day simple moving average ($47.87) and -21.40% below its 200-day simple moving average ($58.41). Across its 52-week range of $42.53 to $99.90, LMND sits at the 5.9% percentile with a 14-day RSI of 38.1 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($41.82 to $50.00).

LMND Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is LMND's 12-month stock price target?

Lemonade Inc. (LMND) carries a 12-month consensus base price target of $41.78 (-9% from $45.91), with a bull-case target of $104.9 and a bear-case floor of $32.59.

Is LMND stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates LMND D- (Sell — SELL) with an RQD Confidence score of 38/100.

Direct Sub-Reports: LMND RQD Cockpit LMND 12M Forecast LMND Earnings & Move LMND Dividends & DRIP LMND Insiders & 13F LMND Whale Options LMND Profit Sankey LMND News & Why