LMND

$68.46

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, -54.68% trendline growth.
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$4.50

With 20% Margin of Safety (MoS):

$3.60
-94.74% downside
Capital Efficiency
Average Quarterly ROIC
-328.04%
Cost of Capital (estimated)10%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
23
BearishWeighted across 6 signals
DCF Discount
94.7% premium to price
0
FCF Yield
-0.6% trailing FCF yield
0
ROIC vs WACC
ROIC -328.0% vs WACC 10.0% (-32.8x)
0
Net Debt / FCF
10.8x net debt to FCF
0
Buybacks
Share count growing
30
FCF CAGR (5Y)
118.2% 5Y FCF CAGR (adjusted)
100
Strengths: FCF CAGR (5Y). Concerns: DCF Discount, FCF Yield.
Narrative Score
65
Improving
Weighted across 4 recent drivers · Last 30 daysVs 6-Month Baseline: High (92th pct)
Trend: Improving upConfidence: 87%Updated: 3h ago
Sources: 52 (News 47 · Analyst 5)
Drivers
44 news sentiment+1.2
2 regulatory scrutiny+0.3
Upgrade headlines+0.0
5 analyst reiterations0.0
Other Metrics
P/E-34.0
Profit Margin-26.4%
Owner Earnings-$166.00m
One Dollar Premise0.00%
Debt/Equity2.46
Current Ratio5.14
PEG0.000
Free Cash Flow (in millions)
20172018201920202021202220232024
-$19-$41-$81-$96-$154-$173-$128-$33
How Intrinziq Estimates Fair Value

Intrinziq estimates Lemonade, Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Lemonade, Inc.Financial Services

Lemonade, Inc. provides various insurance products in the United States and Europe. Its insurance products include stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. The company also offers renters, homeowners, pet, car, and life insurance products, as well as landlord insurance policies. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. and changed its name to Lemonade, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.