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Lemonade Inc. Quality Score

LMND

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Quality46

Valuation is the primary weakness (avg 20/100). No single area scores well.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
0/100
-25.4x

Negative earnings, no valuation support

Price / Book
40/100
7.11x

7.1x book, stretched premium

Revenue Growth
100/100
39.6%

Above 10% CAGR, strong compounder

Book Value Growth
0/100
-21.4%

Below 2%, book value not compounding

Business Quality & Capital Allocation

Share Dilution
0/100
18.6%

Heavy dilution above 5%

Return on Equity
0/100
-27.7%

Below 2%, weak capital productivity

Capital Adequacy
100/100
24.8%

24.8% equity/assets, well-capitalized

Margin Trend
100/100
+101.8pp

Net margin expanded 3+pp, strong improvement

Lemonade (LMND) quality: score, margins and returns

Lemonade (LMND) scores 46/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Lemonade (LMND) a high-quality business?+

Lemonade scores 46 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Lemonade's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from LMND's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Lemonade scores well and where it falls behind.

How profitable is Lemonade?+

Lemonade runs a net margin of about -14.2%. Revenue has grown at roughly 50.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 3 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 5 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

LMND is in 50 US ETFs. The largest of them, with LMND's weight in each:

Spot a number that looks wrong? Check it in LMND's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.