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.
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. 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.
LMND: A Rule 144 notice lists proposed sales of Common Stock, showing 3,444 shares identified under "Securities To Be Sold" with a 03/01/2025 vesting/compensation origin. The excerpt also records prior dispositions by John S. Peters: 1,735 shares sold on 06/03/2026 for $92,255.50 and 3,608 shares sold on 06/04/2026 for $191,007.52.
Lemonade, Inc. entered into a New Business Financing Agreement with Hannover Re (Ireland) DAC under which Hannover will provide up to $250 million of outstanding capital to finance sales and marketing growth from January 1, 2027 through December 31, 2028. The facility is subject to a maximum outstanding capital amount of $150 million from the funding begin date through December 31, 2027, and up to $250 million at any time from January 1, 2028 through December 31, 2028. At the start of each monthly growth period, Hannover may finance up to 80% of the company’s qualifying Growth Spend, not exceeding $20 million per reference cohort.
Repayments will be made from a specified percentage of premiums collected on customer cohorts linked to the funded spend, with a rate of return equal to the greater of 0% or the three-year U.S. Treasury Bill rate, plus 5.8%. Once a cohort is fully repaid, Lemonade retains all future premiums from that cohort. The agreement includes financial covenants, cancellation and commitment termination provisions, and standard representations and warranties, and remains in effect unless terminated under its terms.
Lemonade, Inc. director Michael A. Eisenberg reported a bona fide gift of 5,000 shares of common stock. The gift was made at a reported price of $0.00 per share and is a non-market transfer. After the gift, Eisenberg directly holds 195,452 common shares and has additional indirect interests through Aleph, L.P. and Aleph-Aleph, L.P., where he may share voting and investment power but disclaims beneficial ownership except for his pecuniary interest.
Lemonade, Inc. Chief Financial Officer Timothy E. Bixby reported a non-discretionary disposition of 2,227 shares of common stock on June 3, 2026 at $53.17 per share. According to the footnote, these shares were sold solely to cover tax withholding obligations tied to the vesting and settlement of Restricted Stock Units, rather than as a voluntary portfolio decision. After this transaction, Bixby directly holds 247,263 shares of Lemonade common stock.