CATALYSTYahoo • 2d ago
PRU Gears Up to Report Q3 Earnings: Here's What to ExpectPrudential Financial's Q3 results may reflect stronger investment income and PGIM fees, with mixed segment trends and higher expenses shaping performance.
Why LMND Stock advanced +1.21% Today — RQD Quant Desk Flash
$45.91 +1.21% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $45.92
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
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Click Any Pre-Computed AI Quant Specialist Briefing on LMND Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is LMND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does LMND compare to PLMR and NMIH in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for LMND?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $45.92 (+0.03%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record Warning: Scores below 50 (38/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.8% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →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%
Deterministic 5-Pillar Attribution (38/100 Composite)
🔍 WHY LMND SCORES 38/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (37% of score)
20D Institutional Volume Accumulation (±8.9% realized swing band)
▲ #2 Bullish Driver: Macro Regime Fit+10/20 pts (26% of score)
FRED Regime × Technicals: 6% of 52W Range • RSI-14 at 38.1 (NEUTRAL RANGE)
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$46.46-4.9% Next Q
46
Q2 (-2Q)Grade D$44.20+1.6% Next Q
43
Q3 (-1Q)Grade D$44.92+2.2% Next Q
41
CurrentGrade D-$45.91-7.8% Hist 90D α
38
Trajectory: D (46) → D- (38)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a LMND Turnaround Squeeze
While LMND currently carries a cautious 38/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($47.87) and Max Pain ($48.21) forces dealer call-delta covering toward $104.90.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $LMND• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LMND Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why LMND Stock advanced +1.21% Today — RQD Quant Desk Flash
Lemonade Inc. (LMND) advanced +1.21% to $45.91, trading at 6% of its 52-week range ($42.53 – $99.9). Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 6% of its 52-week range ($42.53 – $99.9) with RSI-14 at 38.1 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8.9% around $45.91 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
Live LMND Headlines & Catalysts
MARKET WIREBenzinga • 2d ago
Apollo Commercial Real Estate Finance shares are trading higher after the company announced it entered into a definitive agreement to sell the company's commercial real estate loan portfolio to Athene Holding.CATALYSTYahoo • 3d ago
Lemonade (LMND) Expected to Beat Earnings Estimates: Can the Stock Move Higher?Lemonade (LMND) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
MARKET WIREYahoo • 5d ago
Lemonade Renters Insurance Expands to IdahoLemonade (NYSE: LMND), the tech-first insurance company, today announced the availability of its renters insurance in Idaho. The expansion gives renters across the state a simple, fast way to get coverage that fits their
CATALYSTYahoo • 10d ago
Procter & Gamble Q1 Earnings Call HighlightsProcter & Gamble (NYSE:PG) reported a 4.0% increase in organic sales for the first quarter of fiscal 2027, led primarily by volume growth, while maintaining its full-year outlook despite rising commodity, energy and tran
MARKET WIREYahoo • 12d ago
Lemonade Renters Insurance Expands to AlabamaLemonade (NYSE: LMND), the tech-first insurance company, today announced the availability of its renters insurance in Alabama. The expansion gives renters across the state a simple, fast way to get coverage that fits the
CATALYSTYahoo • 12d ago
2 Cash-Heavy Stocks with Promising Prospects and 1 Facing HeadwindsCompanies with more cash than debt can be financially resilient, but that doesn’t mean they’re all strong investments. Some lack leverage because they struggle to grow or generate consistent profits, making them unattrac
MARKET WIREYahoo • 13d ago
Lemonade To Announce Third Quarter 2026 Financial ResultsLemonade (NYSE: LMND) today announced it will release its third quarter 2026 financial results on Thursday, November 5, 2026 prior to market open, and will host a conference call that same day to discuss the results.
MARKET WIREYahoo • 13d ago
JustAI Reinvents Marketing Around Revenue with a Full-Stack AI PlatformJustAI today launched its full-stack agentic marketing platform, which brings CRM, orchestration, creative, delivery infrastructure and measurement into a single AI-native system. The platform is built around two simple
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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
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 0001691421In 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 ENABLEDIs 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 × FREDWhy is LMND stock moving today?
Why LMND Stock advanced +1.21% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.