Lemonade, Inc. Financial Ratios — LMND Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	-31.56	-32.11	-30.07	-31.05	-29.37
Return on Assets (%)	- -	-38.2	-19.68	-20.63	-18.61	-14.25	-11.61	-8.77
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-233.78	-160.33	-127.97	-181.93	-114.84	-53.47	-38.73	-21.81
Profit Margin (%)	-235.11	-161.22	-129.56	-187.93	-116.01	-55.12	-38.4	-22.43
Net Income to Common Margin (%)	-235.11	-161.22	-129.56	-187.93	-116.01	-55.12	-38.4	-22.43
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	-31.56	-32.11	-30.07	-31.05	-29.37

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	22	35	43	107	182
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	22	35	43	107	182
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-51.43	-44.05	65.28	65.42	51.27	43.4	32.09	27.71
Long-Term Debt/Equity (%)	- -	- -	- -	2.26	4.06	6.08	18.07	34.13
Long-Term Debt/Capital (%)	- -	- -	- -	2.21	3.9	5.73	15.3	25.44
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.48	2.08	2.64	5.8	9.46
Total Debt/Equity (%)	- -	- -	- -	2.26	4.06	6.08	18.07	34.13
Total Debt/Capital (%)	- -	- -	- -	2.21	3.9	5.73	15.3	25.44
Total Debt/Total Assets (%)	- -	- -	- -	1.48	2.08	2.64	5.8	9.46
Net Debt to Equity	129.2	147.95	-105.51	-27.38	-32.59	-35.21	-49.31	-42.52
Net Debt/Capital (%)	56.37	59.67	1,915.44	-36.57	-45.6	-51.2	-90.14	-68.61
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-51.43	-44.05	65.28	65.42	51.27	43.4	32.09	27.71
Long-Term Debt/Equity (%)	- -	- -	- -	2.26	4.06	6.08	18.07	34.13
Long-Term Debt/Capital (%)	- -	- -	- -	2.21	3.9	5.73	15.3	25.44
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.48	2.08	2.64	5.8	9.46
Total Debt/Equity (%)	- -	- -	- -	2.26	4.06	6.08	18.07	34.13
Total Debt/Capital (%)	- -	- -	- -	2.21	3.9	5.73	15.3	25.44
Total Debt/Total Assets (%)	- -	- -	- -	1.48	2.08	2.64	5.8	9.46
CFO/Total Liabilities	-17.52	-13.09	-31.87	-27.69	-19.78	-12.88	-0.91	-1.19
CFO/CapEx	-58.29	-23.67	-20.84	-15.38	-16.14	-12.95	-1.21	-1.76
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	1.2	0.9	0.73	0.93	1.23	1.27	1.44
Days Sales Outstanding	- -	303.99	405.02	500.17	393.3	295.87	288.4	254.08
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	7,313	2,617	946	1,237	2,760	5,355
- Cash & Cash Equivalents	102	270	571	271	283	265	376	385
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	22	35	43	107	182
Enterprise Value	- -	- -	6,736	1,567	-52	343	1,856	4,429
Total Capital	-79	-182	541	1,011	902	752	701	716
Total Debt/Capital (%)	- -	- -	- -	2.21	3.9	5.73	15.3	25.44
Total Debt / EV	- -	- -	- -	0.01	-0.68	0.13	0.06	0.04
EV/Sales	- -	- -	71.35	12.2	- -	0.8	3.53	6
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	4,335	2,599	886	1,228	2,695	5,217
Diluted Enterprise Value	- -	- -	3,758	1,549	-111	334	1,792	4,291
EV per Share	- -	- -	118.64	25.42	- -	4.88	25.52	58.35
TTM Sales	23	67	94	128	257	430	527	738
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	-45.11	-16.87	-5.12	-9.57	-129.58	-201.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	6,736	1,567	-52	343	1,856	4,429
Low Price	- -	- -	48.63	39.41	13.65	10.48	14.66	26.49
EV/Sales	- -	- -	71.35	12.2	- -	0.8	3.53	6
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	13.52	2.65	1.09	1.75	4.65	10.04
Price/Book Value Average	- -	- -	8.42	5.56	1.84	1.56	2.66	6.64
Price/Book Value High	- -	- -	13.73	11.83	3.49	2.33	6.42	11.91
Price/Book Value Low	- -	- -	5.1	2.46	1.09	1.04	1.8	3.77
Price/Tangible Book Value	- -	- -	13.53	2.65	1.16	1.86	4.92	10.57
Price/Tangible Book Value Average	- -	- -	8.43	5.56	1.96	1.65	2.82	6.99
Price/Tangible Book Value High	- -	- -	13.74	11.84	3.71	2.47	6.8	12.55
Price/Tangible Book Value Low	- -	- -	5.11	2.46	1.16	1.1	1.9	3.97
Price/Sales	- -	- -	45.92	20.24	3.45	2.86	5.12	7.07
Price/Sales Average	- -	- -	28.62	42.45	5.83	2.55	2.93	4.68
Price/Sales High	- -	- -	46.64	90.39	11.04	3.81	7.07	8.39
Price/Sales Low	- -	- -	17.34	18.79	3.45	1.7	1.98	2.65
Price/Cash Flow	- -	- -	-47.28	-17.97	-5.44	-10.31	-236.43	-316.15
Price/Cash Flow Average	- -	- -	-29.46	-37.7	-9.19	-9.2	-135.28	-209.09
Price/Cash Flow High	- -	- -	-48.01	-80.26	-17.38	-13.75	-326.6	-375.32
Price/Cash Flow Low	- -	- -	-17.85	-16.69	-5.44	-6.13	-91.36	-118.7
Price/Free Cash Flow Average	- -	- -	-28.11	-35.4	-8.65	-8.54	-74.14	-133.2
Price/Free Cash Flow High	- -	- -	-45.82	-75.36	-16.37	-12.77	-179	-239.11
Price/Free Cash Flow Low	- -	- -	-17.03	-15.67	-5.12	-5.69	-50.07	-75.62
EV/Sales Average	- -	- -	42.16	34.58	2.34	0.49	1.28	3.54
EV/Sales High	- -	- -	72.56	82.85	7.89	1.76	5.52	7.36
EV/Sales Low	- -	- -	23.13	10.75	- -	- -	0.31	1.47
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	128.81	42.45	13.65	17.63	37.95	70.55
High Price	- -	- -	130.83	189.56	43.63	23.51	52.42	83.75
Enterprise Value Average	- -	- -	3,980	4,440	601	209	675	2,616
Enterprise Value High	- -	- -	6,850	10,638	2,025	755	2,909	5,431
Enterprise Value Low	- -	- -	2,184	1,380	-52	-159	163	1,085

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	55	55	57	62	69	70	73	76
Diluted Weighted Avg Shares	44	44	34	61	65	70	71	74
Basic Weighted Avg Shares	44	44	34	61	65	70	71	74
Revenue per Share	0.52	1.54	2.8	2.1	3.95	6.17	7.41	9.98
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.21	-2.49	-3.63	-3.94	-4.59	-3.4	-2.85	-2.24
Basic EPS from Cont Ops	-1.21	-2.49	-3.63	-3.94	-4.59	-3.4	-2.85	-2.24
Diluted EPS, GAAP	-1.21	-2.49	-3.63	-3.94	-4.59	-3.4	-2.85	-2.24
Diluted EPS from Cont Ops	-1.21	-2.49	-3.63	-3.94	-4.59	-3.4	-2.85	-2.24
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.94	-1.79	-2.72	-2.36	-2.51	-1.71	-0.16	-0.22
Free Cash Flow per Basic Share	-0.95	-1.87	-2.86	-2.52	-2.67	-1.84	-0.29	-0.35
Cash & Equivalents per Share	2.03	6.02	10.17	17.39	14.91	13.36	13.9	14.6
Book Value per Share	-1.44	-3.32	9.53	16.03	12.51	10.1	8.16	7.03
Tangible Book Value per Share	-1.44	-3.34	9.52	16.02	11.77	9.51	7.71	6.67