LMND
LemonadeBNYSE / Insurance
Last Price
At close
2026-07-20
Current thesis
Sustained top-line growth, margin expansion via scale and improved loss ratios, and market multiple re-rating toward growth-insurer peers could push price toward the high analyst target.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -1.4.
What can break
Reduced reinsurance capacity or higher reinsurance pricing
Momentum
88
Value
39
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $69.31 · Bull $102.90 · Bear $30.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-17 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $64.22
Why
Momentum88 · Δ7d -1.4
Value39 · Δ7d +0.2
Sentiment49 · Δ7d +1.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
88
26% active weight
Current posture
7d trendSoftening
Δ7d
-1.4
Δ21d
+49.9
Value
39
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.2
Sentiment
49
34% active weight
Current posture
7d trendImproving
Δ7d
+1.3
Δ21d
-14.9
Why this grade
Composite grade B. Momentum 87.9 / Value 38.9 / Sentiment 48.8
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$5.16B
Beta
2.02
Shares Out
76.82M
P/E (TTM) · Derived
-30.0
P/S (TTM)
8.72
P/FCF (TTM) · Derived
258.88
Rev YoY
+88.6%
EPS YoY
-45.2%
Gross Margin
-
Op Margin
-27.0%
Net Debt
-$214.7M
Current Ratio
2.41
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology