Lemonade, Inc. filings document operating results, governance, and capital-structure matters for its digital insurance business. Form 8-K reports furnish shareholder letters covering insurance operating metrics, financial condition, underwriting performance, profitability measures, and cash-flow disclosures.
The company's proxy materials address board and executive compensation matters, including equity-award and pay-versus-performance disclosures. Its SEC record also includes capital-structure and security-status filings related to warrants to purchase common stock, including exchange suspension, expiration, and Form 25 removal from listing and registration on NYSE American.
Lemonade, Inc. (LMND) received a notice from shareholder John S. Peters of his intention to sell up to 11,000 shares of common stock through Fidelity Brokerage Services LLC on or after August 13, 2026. The planned sale reflects an aggregate market value of $578,000.38 based on the reference price in the notice.
The filing also lists prior transactions: stock option exercises with the issuer on January 2, 2025 for 1,000 shares and April 2, 2025 for 10,000 shares, and open-market sales of 1,735, 3,608, and 3,444 common shares on June 3, June 4, and July 6, 2026, respectively, with corresponding dollar amounts disclosed.
Lemonade, Inc. reported Q2 2026 total revenue of $294.4 million, up from $164.1 million a year earlier, driven mainly by higher net earned premium of $252.0 million. Net loss was $43.4 million (loss of $0.56 per share), while first‑half net loss was $79.2 million versus $106.3 million.
Cash, cash equivalents and restricted cash totaled $380.3 million at June 30, 2026, and net cash used in operating activities for the first half declined to $4.0 million from $41.7 million. Borrowings under growth‑financing agreements rose to $206.4 million. The company renewed key quota‑share and excess‑of‑loss reinsurance with slightly lower cession rates and higher catastrophe limits, increased captive quota‑share cessions, and signed a New Business Financing Agreement with Hannover Re to fund up to $250 million of future sales and marketing spend.
Peters John Sheldon reported acquisition or exercise transactions in this Form 4 filing.
Lemonade, Inc. reported that Chief Insurance Officer John Sheldon Peters received a grant of 10,000 restricted stock units (RSUs) on July 27, 2026. These RSUs vest in 16 equal quarterly installments beginning September 1, 2026, contingent on continued employment. Following this award, he directly holds 87,942 shares of common stock.
BlackRock, Inc. reports beneficial ownership of 5,328,788 shares of Lemonade, Inc. common stock on a Schedule 13G/A, representing 6.9% of the class. As of 06/30/2026, BlackRock has sole voting power over 5,214,697 shares and sole dispositive power over 5,328,788 shares, with no shared voting or dispositive power.
The filing explains that these securities are held by certain BlackRock business units and may be attributable to various underlying clients who have rights to dividends or sale proceeds, but no single such person has more than 5% of Lemonade’s outstanding common shares.
Lemonade, Inc. reports leadership changes effective January 1, 2027. Chief Financial Officer Tim Bixby will transition from his CFO role to serve as a Class III member of the board of directors. The company plans to enter into a transition agreement with Bixby covering the terms and any compensation, to be detailed in a later public disclosure.
The board appointed Nick Stead, 33, currently Senior Vice President Finance, as the next Chief Financial Officer and as principal financial and accounting officer, also effective January 1, 2027. Stead has held senior finance, FP&A, investor relations and business operations roles at Lemonade and at Flex, a consumer payment platform. The company states that neither Bixby nor Stead has disclosable family relationships or related‑party transactions with the company.
Lemonade reported strong Q2 2026 growth, with in force premium of $1.43 billion, up 32% year over year, and customers rising 23% to 3.31 million. Premium per customer increased 8% to $433, while revenue grew 79% to $294.4 million as lower quota-share cessions boosted premium retention.
Profitability metrics improved despite continued losses. Gross profit rose 76% to $113.2 million and the ratio of adjusted gross profit to gross earned premium expanded to 34% from 26%. Adjusted EBITDA loss narrowed to $18.7 million from $40.9 million, though net loss remained $43.4 million. The loss-adjustment expense ratio fell to a record 5%, below industry averages, reflecting AI-driven claims automation.
Lemonade ended June 30, 2026 with approximately $1.2 billion in cash, cash equivalents and investments. Management continues to expect positive Adjusted EBITDA in Q4 2026, with guidance implying about $8 million, supported by reinsurance changes that reduce catastrophe volatility and a new up to $250 million synthetic agents financing facility at a ~9.8% cost of capital.
JPMorgan Chase & Co. reports beneficial ownership of Lemonade, Inc. common stock on an amended Schedule 13G. JPMorgan and its listed subsidiaries report beneficial ownership of 5,391,937 shares of common stock, representing 7.0% of the class. Of these shares, 5,299,211 are subject to sole voting power and 141 to shared voting power. JPMorgan also reports sole dispositive power over 5,384,389 shares and shared dispositive power over 6,919 shares. The filing states there is no group and no other person known to have more than 5% through rights to dividends or sale proceeds.
Lemonade, Inc. Chief Financial Officer Timothy E. Bixby reported an open-market sale of 73,000 shares of common stock on July 7, 2026 at a weighted average price of $79.18 per share. The transactions were executed under a pre-arranged Rule 10b5-1 trading plan adopted on March 13, 2026, meaning the sales were scheduled in advance. After these sales, Bixby directly holds 174,263 Lemonade shares. The filing notes the shares were sold in multiple trades between $76.03 and $81.13 per share.
Lemonade, Inc. Chief Insurance Officer John Sheldon Peters reported an open-market sale of common stock. On July 6, 2026, he sold 3,444 shares of Lemonade common stock at $79.00 per share. After this transaction, he directly holds 77,942 shares of common stock. The filing notes that this sale was made pursuant to a Rule 10b5-1 trading plan adopted on March 11, 2026, indicating the transaction was pre-scheduled rather than a discretionary trade.
LMND notice of proposed sale of 73,000 shares of Common Stock through Fidelity Brokerage Services LLC. The filing lists a total value of $5,780,452.92 and references 76,820,789 shares in the same line with the date 07/07/2026.
An earlier sale by Timothy E. Bixby of 2,227 shares for $118,416.72 is shown with a transaction date of 06/03/2026. The securities include restricted stock vesting dated 06/01/2017 described as Compensation.