Lemonade's profitability problem outweighs its impressive growth. Revenue rose from $23 million in 2018 to $975 million over the last 12 months, a 65% CAGR, and members nearly tripled since 2021. Yet the capital-light insurtech still guides to negative 2026 EBITDA, below its initial expectations, and after 11 years is not close to positive EBITDA. Management has been less transparent about cutting costs. Solving profitability could make it a home run; Root's management is preferred. x.com  x.com  … Show more

Lemonade looks good but not good enough after a lofty price and high expectations into earnings, so it needs to get cheaper before it is worth buying. In-force premium grew 32% and revenue 79% as it approaches positive cash flow by the end of 2026; the low $40s or $30s would be the level to buy more. x.com  x.com 

Lemonade's business thesis has not broken; the stock is falling on normal high-beta behavior, not fundamentals. With beta over two, high short interest and no profits yet, it moves sharply with risk appetite. Co-founder Daniel Schreiber's share sales are normal for a founder with concentrated wealth, though their framing was tone deaf, and stock pay is needed to hire engineers against Google and Meta. Long-term holders should watch in-force premium growth, loss ratio and operating leverage. … Show more

Lemonade's cash burn makes its promotion by paid influencers on X suspect. Its shares are down 38% year to date, alongside other heavily promoted stocks. x.com 

Lemonade is reducing transparency on a key indicator of whether it can scale efficiently. Earnings reports once showed in-force premium versus opex, then switched to premium versus employee count, presumably as opex rose, and now show premium alone. Investors are tiring of waiting for EBITDA profitability, and the missing comparative metrics give less insight into how Lemonade gets there. The stock had run ahead into earnings, so a reset was due without a blowout. x.com  x.com 

Lemonade is a monster stock in the making after a massive quarter. Per co-founder @shai_wininger, in-force premium grew 32% to $1.33 billion, the 10th straight quarter of acceleration, revenue rose 71% to $258M and gross profit 159% to $100M, with $17M of adjusted free cash flow. Pet passed $500M of premium, car grew 60% with its loss ratio down 14 points to 74%, and Lemonade raised 2026 guidance, targeting positive adjusted EBITDA in Q4. x.com 

Root looks cheap at about 7x earnings while buying back shares, with proven fully loaded economics. Even after $25.3 million of sales and marketing and $32 million of partner acquisition costs, it earned $25 million of GAAP profit with a 92.1% combined ratio. Lemonade grows much faster and may have more upside if retention and cross-sell deliver, but its case rests on modeled lifetime value and its shareholders keep getting diluted. Root's premium volume is roughly flat to down. x.com  x.com  … Show more

Lemonade looks expensive once valued as what it is, an insurance company. Replying to @javierluraschi's post on the stock, any price above 1x revenue is expensive for an insurer. x.com 

Lemonade can go to $300 over the coming years. x.com 

Bowhead Specialty is the quality winner over Lemonade, outperforming it on every metric at a fraction of the size. Both grow at the same year-over-year rate, but Bowhead is more profitable, has 3.57% short interest versus Lemonade's 21%, and is worth slightly under $1B against Lemonade's nearly $6B. Lemonade has fallen to about half its $80 level, a reminder that quality beats influencer-driven meme stocks. x.com