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.
Timothy E. Bixby, Chief Financial Officer of Lemonade, Inc. completed an open-market sale of 2,135 shares of common stock on March 3, 2026 at $50.12 per share. The sale was not discretionary and was made to cover tax withholding from vesting Restricted Stock Units. Following this transaction, he directly holds 249,490 shares.
Lemonade, Inc. Chief Insurance Officer John Sheldon Peters reported selling a total of 5,344 shares of common stock in open‑market transactions. He sold 1,773 shares on March 3, 2026 at $50.12 per share and 3,571 shares on March 4, 2026 at $52.50 per share.
After these transactions, he directly owned 80,300 shares following the March 3 sale and 76,729 shares following the March 4 sale. A footnote explains that part of the reported selling was not discretionary and represented shares sold to cover tax withholding obligations tied to vesting and settlement of restricted stock units, and another footnote states that a sale was made under a Rule 10b5‑1 trading plan.
Lemonade, Inc.'s Chief Business Officer, Maya Prosor, reported a non‑discretionary sale of 223 shares of common stock on March 3, 2026, at $50.12 per share. The shares were sold to cover tax withholding obligations tied to vesting and settlement of restricted stock units.
After this transaction, Prosor directly holds 7,404 common shares and indirectly holds 29,286 common shares through Cohen Holdings, LLC, over which she has voting and dispositive control.
John S. Peters reported sales of Common Stock in Form 144. The filing lists four reported dispositions:
The filing also shows 3,571 restricted shares listed as vesting on
John S. Peters reported proposed sales of Common shares under Rule 144, including a planned disposition of 1,773 shares tied to restricted stock vesting on
Lemonade, Inc. is a digital-first insurer using artificial intelligence, data and a vertically integrated platform to sell renters, homeowners, pet, car and life insurance in the U.S., Europe and the UK. Customers buy and manage policies through chatbots like AI Maya, while AI Jim automates about 55% of claims, with 96% of first notices of loss taken without human intervention as of
The company remains unprofitable, posting a net loss of
Lemonade relies heavily on reinsurance, ceding around 55% of its book through
Lemonade, Inc. reported its strongest quarter to date in Q4 2025, combining rapid growth with sharply improved profitability metrics. In force premium reached $1.24 billion, up 31% year over year, while revenue rose 53% to $228.1 million as the customer base grew 23% to about 3.0 million.
Gross profit increased 73% to $110.6 million, lifting gross profit margin to 48%, helped by an improved gross loss ratio of 52% versus 63% a year earlier. Net loss narrowed to ($21.7) million from ($30.0) million, and Adjusted EBITDA loss improved to ($4.6) million from ($23.8) million. Adjusted free cash flow was $36.7 million, up from $26.5 million, and cash, cash equivalents and investments totaled about $1.12 billion at year-end, with roughly $250 million required as regulatory surplus.
The company highlighted strong growth and underwriting trends in Pet, Car, and Europe, and set 2026 guidance for in force premium of $1.63 billion at the high end, revenue of up to $1.192 billion, and full-year Adjusted EBITDA loss between ($52) and ($48) million. Management reiterated expectations for positive Adjusted EBITDA in Q4 2026 and for 2027 to be its first full year of Adjusted EBITDA profitability.
Lemonade, Inc. Chief Insurance Officer John Sheldon Peters exercised stock options to acquire 11,845 shares of common stock at $11.61 per share on 02/12/2026. This derivative conversion increased his directly held common stock to 82,073 shares, while the exercised stock option position was reduced to zero.