Insider buying last 90 days
No open-market insider purchases were filed for LMND in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every LMND insider filing, plotted on the chart in Gekko.Open LMND in Gekko
NYSE: LMND
Lemonade (LMND) Stock Analysis & Forecast
Oct 12 close
$45.15−1.31 (−2.8%)
Gekko Brief
AI summaryOct 12 closeThis week's news centers on Lemonade's product expansion rather than new financial results. The company extended its Autonomous Car insurance to Tesla vehicles equipped with HW3 hardware running FSD (Supervised) v14 Lite, letting drivers in Arizona, Colorado, and Tennessee save 30% on miles driven with FSD engaged, while those with newer HW4 hardware and later FSD versions save 50%. Separately, Lemonade expanded its renters insurance into Hawaii, with coverage starting at $5 per month and roughly 40% of claims processed instantly through its app. Commentary also revisited the company's Q2 results, noting revenue up 79.4% and in-force premium growth for an 11th consecutive quarter, alongside continued unprofitability.
Shares closed at $45.15, down 2.8% on the day, sitting below both the 50-day average of $49.89 and the 200-day average of $60.73, with the shorter average also below the longer one. The stock's one-month return stands at -8.6% and its three-month return at -35.6%. The GekkoIndex reads 65.6, placing it in the Accumulation zone, while price sits 15.4% below the Gekko Fair Value of $53.35.
Lemonade next reports earnings on 4 November 2026, before the open, 23 days away and within a typical 20-trading-day holding window; the prior print saw a -21.8% reaction despite meeting the EPS estimate. No insider, Congress, or unusual options activity appears in their respective windows. Seasonality data shows the next 20 trading days have averaged +34.8% over 5 years, rising in 4 of those years. Consensus among 5 covering firms stands at 1 buy and 4 hold, with a consensus target of $58.44.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Lemonade price vs fair value
Close $45.15200-day averageGekko Fair Value $53.35
Lemonade quick facts
- Market cap
- $3.47B
- P/E ratio
- —
- Forward P/E
- —
- EPS, TTM
- −$1.82
- Revenue, TTM
- $975.0M
- Profit margin
- -14.2%
- Dividend yield
- —
- Beta
- 1.87
- Volume
- 1.29M avg 1.14M
- 1-year return
- −15.6%
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±12.6%
- 50-day average
- $49.89
- 200-day average
- $60.73
- Next earnings
- Nov 4 before open
- Shares outstanding
- 77.40M
Lemonade swing-trade checklist
Lemonade scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $45.15 is below the 50-day ($49.89) and 200-day ($60.73) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
65.6, Accumulation
Reading 65.6 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
15.4% below
Price is 15.4% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 23 days
Reports on Nov 4, 2026, 23 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+34.8% on average
From this point in the calendar, the next 20 trading days averaged +34.8% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Lemonade stock chart and price history
Lemonade closed at $45.15 on Oct 12, 2026, −15.6% over the past year, inside a 52-week range of $43.28 to $99.90.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −8.6%
- 3 months
- −35.6%
- 6 months
- −23.1%
- 1 year
- −15.6%
The full LMND chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open LMND in Gekko
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About Lemonade
Lemonade sells insurance to individuals in the United States and Europe, covering renters, homeowners, pet, auto, life, and landlord needs. Its policies center on two main protections: coverage for personal belongings that are lost, stolen, or damaged, and liability coverage that applies when a customer is held responsible for injury to another person or damage to their property.
Beyond writing its own policies, Lemonade also works as an agent placing business with other insurance carriers, broadening the range of products it can offer customers without underwriting every policy itself.
The company was founded in 2015 under the name Lemonade Group, Inc. before changing its name to Lemonade, Inc., and it is headquartered in New York. Its shares are listed on the NYSE under the ticker LMND.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Property/Casualty insurance
- Website
- lemonade.com
Lemonade GekkoIndex: the smart money zone
Lemonade’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.6, in the Accumulation zone, up 2.6 points over five sessions.
65.6Accumulation
Up 2.6 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 21 | +4.6% | +23.7% | ||
| Accumulation (current zone) | 213 | +2.4% | +9.0% | ||
| Neutral | 388 | +0.3% | +4.4% | ||
| Distribution | 53 | +3.4% | −0.4% | ||
| Selling | 7 | Too few readings yet | |||
Average LMND share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the LMND price, zone by zone.Track LMND in Gekko
Is Lemonade stock overvalued? Gekko Fair Value
Lemonade trades 15.4% below Gekko Fair Value of $53.35, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Lemonade shares are worth, recalculated every trading day.
$53.35
Gekko Fair Value, Oct 10, 2026
15.4% Undervalued
At the end of Aug 2026 the price was 11.7% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open LMND in Gekko
Lemonade insider and Congress trading
No open-market insider purchases were filed for Lemonade, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in LMND were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for LMND, plotted on the chart in Gekko.Open LMND in Gekko
Hedge funds and billionaires quarter ended Mar 31
0of the funds Gekko tracks hold LMND.
0added0opened0trimmed2sold out
Which funds are on each side, name by name.Unlock in Gekko
Lemonade earnings: next date and track record
Lemonade reports on Nov 4, 2026, before the open (23 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Nov 4, 2026
Expected before the open, 23 days away
- EPS estimate
- −$0.58
- Revenue estimate
- $322.6M
7 of 8reports beat the EPS estimate
±19.7%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 29, 2026 AI summary
- What they said
- Lemonade reported strong Q2 2026 results with in-force premium reaching $1.43 billion, up 32.5% YoY, extending 11 consecutive quarters of accelerating growth. Revenue surged 79% to $294 million and gross profit grew 76% to a record $113 million. Adjusted EBITDA loss improved 54% to $19 million. The company completed reinsurance renewal with stronger catastrophe protection and secured $250 million in synthetic agent growth financing at 9.8% cost.
- Guidance
- Management reiterated IFP and EBITDA guidance while raising gross earned premium and revenue guidance. First positive adjusted EBITDA quarter expected in Q4 2026, followed by positive full-year adjusted EBITDA in 2027. IFP growth expected to outpace spend growth beginning 2027.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 29, 2026 | −$0.56 est −$0.56 | $294.4M est $291.0M | −21.8% |
| Apr 29, 2026 | −$0.47 est −$0.58 | $258.0M est $251.5M | −13.9% |
| Feb 19, 2026 | −$0.29 est −$0.41 | $228.1M est $217.9M | −12.8% |
| Nov 5, 2025 | −$0.51 est −$0.72 | $194.5M est $218.1M | +28.1% |
| Aug 5, 2025 | −$0.60 est −$0.81 | $164.1M est $184.0M | +38.0% |
| May 6, 2025 | −$0.86 est −$0.94 | $151.2M est $145.0M | +1.8% |
| Feb 25, 2025 | −$0.42 est −$0.61 | $148.8M est $144.8M | −9.3% |
| Oct 30, 2024 | −$0.95 est −$1.02 | $136.6M est $145.1M | +31.5% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Lemonade stock forecast and analyst price targets
Analysts’ average 12-month price target for Lemonade is $58.44, +29.4% from the last close, from 5 firms rating the stock in the last 90 days.
$58.44consensus 12-month target, +29.4% from the last close
Now $45.15Avg $58.44
Low $48High $51
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | Morgan Stanley | $48 | +6.3% |
| Aug 19 | Morgan Stanley | $56 | +24.0% |
| Aug 5 | Morgan Stanley | $65 | +44.0% |
| Jul 30 | Truist Financial | — | — |
| Jul 30 | Piper Sandler | $51 | +13.0% |
+9.0%average 20-day move after past Accumulation readings
+34.8%average move over the next 20 trading days in the last 5 years
±3.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Lemonade seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Lemonade averaged +34.8% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +6.4% | 5 of 5 |
| Next 10 trading days | +4.9% | 4 of 5 |
| Next 15 trading days | +9.3% | 4 of 5 |
| Next 20 trading days | +34.8% | 4 of 5 |
| Next 30 trading days | +44.9% | 3 of 5 |
For scale, LMND’s typical 20-trading-day move in either direction is about 12.6%.
Lemonade market cap and key statistics
Lemonade’s market cap is $3.47B and revenue of $975.0M over the last twelve months.
Valuation
- Market cap
- $3.47B
- EPS, TTM
- −$1.82
- Gekko Fair Value
- $53.35
Trading
- Volume
- 1.29M
- Avg volume, 20 days
- 1.14M
- 52-week high
- $99.90
- 52-week low
- $43.28
- Shares outstanding
- 77.40M
Financials
- Revenue, TTM
- $975.0M
- Profit margin
- -14.2%
- Return on equity
- -27%
- Quarterly earnings growth, YoY
- 0.0%
Risk and income
- Beta
- 1.87
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±12.6%
Lemonade stock news this week
Coverage of Lemonade this week reads positive: 6 positive, 2 neutral and 0 negative headlines.
- Comparing AON (NYSE:AON) & Lemonade (NYSE:LMND)Defense World, Oct 12
- Does Lemonade’s Growth Signal Profits Ahead?MarketBeat, Oct 8
- Lemonade expands Tesla insurance discounts to older modelsInvesting.com, Oct 8
- Lemonade adds support for Tesla FSD V14 Lite, expanding its Autonomous Car insurance to Teslas running HW3PR Newswire, Oct 8
- Tesla drivers with FSD Lite save 30% on miles driven in select states via Lemonade insurancePluang, Oct 8
- Lemonade Expands Renters Insurance to HawaiiMorningstar, Oct 7
Lemonade peers
Lemonade’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BRK.ABerkshire Hathaway | Neutral | 0.1% above |
| BRK.BBerkshire Hathaway | Neutral | 1.2% below |
| CBChubb | Neutral | 1.8% below |
| TRVTravelers Companies | Neutral | 1.6% above |
| HIGHartford Insurance | Neutral | 7.1% below |
| MKLMarkel | Neutral | 3.3% below |
A peer links to its own page where one exists.
Lemonade stock FAQ
What is Lemonade’s market cap?
Lemonade’s market cap is $3.47B at the Oct 12, 2026 close of $45.15, with 77.40M shares outstanding.
What is the Lemonade stock forecast?
The consensus analyst 12-month price target for Lemonade is $58.44, +29.4% from the last close. Of the 5 firms that rated the stock in the last 90 days, 1 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Lemonade stock overvalued or undervalued?
On Gekko’s estimate Lemonade is undervalued: the Oct 12, 2026 close of $45.15 is 15.4% below Gekko Fair Value of $53.35. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Lemonade report earnings next?
Lemonade is expected to report on Nov 4, 2026, before the market opens (23 days away). Analysts expect earnings of −$0.58 per share on revenue of $322.6M. Lemonade beat the earnings estimate in 7 of its last 8 reports, moving 19.7% on average across the report.
What is Lemonade’s 52-week high and low?
Lemonade’s 52-week high is $99.90 and its 52-week low is $43.28; it closed at $45.15 on Oct 12, 2026, −15.6% over the past year.
Is Lemonade stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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