Welcome to our dedicated page for Lemonade SEC filings (Ticker: LMND), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to Lemonade, Inc. (NYSE: LMND) SEC filings, offering a view into how the digital insurer reports its business, risks, and governance. Lemonade operates full stack insurance carriers in the US and EU and offers renters, homeowners, car, pet, and life insurance powered by artificial intelligence and social impact. Its filings with the U.S. Securities and Exchange Commission detail financial results, material agreements, and board-level changes.
Investors can review current and historical reports such as annual reports on Form 10-K and quarterly reports on Form 10-Q, which include discussions of risk factors like profitability, reinsurance availability, regulatory oversight, reliance on artificial intelligence and telematics, catastrophe exposure, and its status as a public benefit corporation and Certified B-Corp. These reports also describe how Lemonade uses technology, data, and reinsurance to support its property and casualty insurance operations.
Current reports on Form 8-K highlight specific events, including earnings announcements via shareholder letters, entry into material definitive agreements such as its reinsurance program with reinsurers Hannover Ruck SE and MAPFRE Re, and appointments of new directors to the board. These filings outline key terms of reinsurance arrangements, changes in quota share levels, and compensation structures for non-employee directors.
On Stock Titan, Lemonade’s SEC filings are updated in near real time as they appear on EDGAR. AI-powered summaries help explain lengthy documents by extracting the main points from 10-K and 10-Q reports, clarifying complex risk disclosures and business descriptions. Users can also review Form 8-K items related to results of operations, governance changes, and material contracts, as well as monitor other filing types and any reported insider-related information through the underlying SEC documents.
Lemonade, Inc. reported strong top-line growth but remained unprofitable for the quarter ended March 31, 2026. Total revenue rose to $258.0M, up from $151.2M a year earlier, driven mainly by higher net earned premium of $212.6M versus $104.3M and increased gross earned premium of $306.2M.
The company’s net loss improved to $35.8M from $62.4M, and net loss per share narrowed to $0.47 from $0.86. Customers grew to 3.14M, with in force premium reaching $1,333.2M and premium per customer rising to $424. Gross loss and net loss ratios declined to 62% and 63%, respectively, reflecting better underwriting outcomes.
Lemonade ended the quarter with $386.5M in cash, cash equivalents and restricted cash and $751.3M in investments. Borrowings under its growth-focused Customer Investment Agreement rose to $179.6M, generating interest expense of $6.2M. Adjusted EBITDA loss narrowed to $17.1M from $47.0M, while stock-based compensation increased to $21.2M.
Lemonade, Inc. reported strong Q1 2026 growth with revenue of $258.0 million, up 71% year over year, driven by higher gross earned premium and increased premium retention.
In Force Premium reached $1.33 billion, up 32%, and customers grew 23% to 3.14 million. Gross profit rose to $100.1 million, a 159% increase, lifting gross margin to 39%. Net loss narrowed to ($35.8) million from ($62.4) million, while Adjusted EBITDA loss improved to ($17.1) million from ($47.0) million.
Adjusted free cash flow swung to a positive $17.4 million from ($31.0) million and cash, cash equivalents and investments totaled $1.14 billion. Guidance for 2026 calls for IFP of $1.63–$1.64 billion, revenue of $1.20 billion, and continued progress toward positive Adjusted EBITDA in Q4 2026.
Lemonade, Inc. is asking stockholders to vote at its virtual 2026 Annual Meeting on June 3, 2026. Investors will elect two Class III directors, Michael Eisenberg and Debra Schwartz, ratify Ernst & Young LLP as auditor for 2026, and approve an advisory say‑on‑pay for named executives.
As of April 9, 2026, there were 76,818,039 common shares outstanding, each with one vote. The proxy highlights 2025 operating trends: gross written premium rose to $1,171.3 million, revenue to $737.9 million, and net loss narrowed to $165.5 million. About 88% of executive target pay is equity-based.
Lemonade, Inc. director Maria Angelidis-Smith reported open-market purchases of company stock. On March 10, 2026, she bought 3,350 shares of common stock at $55.30 per share in her direct account, bringing her direct holdings to 14,896 shares.
On the same date, Smith Family Trust, for which she serves as co-trustee with voting and dispositive control, purchased an additional 5,390 shares at $55.70 per share, increasing that trust’s holdings to 38,944 shares. The amended Form 4 corrects the transaction code to reflect these were open-market purchases.
The Vanguard Group filed an amendment reporting 0 shares (0%) of Lemonade Inc. common stock as beneficially owned. The filing explains Vanguard completed an internal realignment on January 12, 2026, and certain subsidiaries will report ownership separately going forward.
The filing is signed on March 27, 2026 by Ashley Grim, Head of Global Fund Administration, and states no single outside person holds more than 5% of the class in the accounts reported.
Wininger Shai reported acquisition or exercise transactions in this Form 4 filing.
Lemonade, Inc. president and director Shai Wininger reported two stock awards of common shares as compensation. He received an award of 820,000 restricted stock units, granted at a price of $0.0000 per share, increasing his direct holdings to 4,238,749 shares after that award and 4,418,749 shares after a second award.
The 820,000 restricted stock units vest quarterly over 8 years beginning on June 1, 2026, with 5% vesting during the first year, then 10%, 15%, 20%, 20%, 15%, 10% and 5% in subsequent years, subject to continued employment. He also received 180,000 performance restricted stock units that vest only if the company’s stock sustains a $110 closing price for at least 30 consecutive trading days within 24 months of the grant date. Each unit represents a contingent right to one share of common stock.
Schreiber Daniel A. reported acquisition or exercise transactions in this Form 4 filing.
Lemonade, Inc. reported that Chief Executive Officer Daniel Schreiber received two equity awards of common stock on March 18, 2026. He was granted 820,000 restricted stock units that vest quarterly over eight years, beginning June 1, 2026, with vesting percentages increasing in later years.
He was also granted 180,000 performance restricted stock units that vest only if the company’s stock sustains a closing price of $110 for at least 30 consecutive trading days within 24 months of the grant date. Following these awards, he holds over one million shares directly and additional shares indirectly through Dan and Dan Ltd., where he has voting and dispositive control.
Angelidis-Smith Maria reported acquisition or exercise transactions in this Form 4 filing.
Lemonade, Inc. director Maria Angelidis-Smith reported stock awards rather than market purchases. On March 10, 2026, she received 3,350 shares of common stock directly at $55.30 per share, bringing her direct holdings to 14,896 shares. On the same date, 5,390 shares at $55.70 per share were awarded to the Smith Family Trust, where she is co-trustee with voting and dispositive control, increasing those indirect holdings to 38,944 shares.
Lemonade, Inc. Chief Operating Officer Adina Eckstein received two equity awards. She was granted 145,112 shares of common stock as restricted stock units and 54,417 stock options with an exercise price of $55.13 per share. After the grant, she directly holds 333,503 common shares. Both the RSUs and options vest quarterly over eight years, beginning in June 2026, with smaller portions vesting in early years and larger portions in years three to five. These awards are compensation grants rather than open-market purchases or sales.
Prosor Maya reported acquisition or exercise transactions in this Form 4 filing.
Lemonade, Inc. Chief Business Officer Maya Prosor received a grant of 181,389 restricted stock units, each representing one share of common stock. The RSUs begin vesting quarterly on June 1, 2026, over eight years, with small portions vesting each year, subject to her continued employment. Following this award, she holds 188,793 shares directly and 29,286 shares indirectly through Cohen Holdings, LLC, over which she has voting and dispositive control. This is a compensation-related equity grant, not an open-market stock purchase.