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Lemonade LMND Unearned premiums

Unearned premiums at other companies

Progressive logo
ProgressivePGR
$27.89B+4.8%
Allstate logo
AllstateALL
$28.86B+6.2%
Assurant logo
AssurantAIZ
$20.9B+3.8%
Cincinnati Financial logo
Cincinnati FinancialCINF
$5.42B+7.0%
The Travelers Companies logo
The Travelers CompaniesTRV
$22.77B+0.2%
Globe Life logo
Globe LifeGL
$285.76M+4.3%

Other financials

Income statement

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Revenue$258.0M+70.6%
Net income-$35.8M+42.6%
EPS (diluted)-$0.47+45.3%

Balance sheet

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Cash & equivalents$386.5M+20.9%
Total debt$20.8M-4.6%
Total equity$518.0M-5.0%
Total assets$2.0B+5.5%

Cash flow

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Operating cash flow-$600.0K+98.7%
CapEx$3.5M+52.2%
Free cash flow-$4.1M+91.7%

Valuation

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Market cap$4.52B+109%

Profitability

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Net margin-16.4%-6.0pp
FCF margin-15.4%-6.4pp

Returns & leverage

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Return on equity-26.1%-5.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Lemonade in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

The official record: Lemonade’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lemonade's unearned premiums?
Lemonade (LMND) reported unearned premiums of $614.2M in Q1 2026.
How has Lemonade's unearned premiums changed year-over-year?
Lemonade's unearned premiums increased by 29.0% year-over-year, from $476.2M to $614.2M.
What is the long-term trend for Lemonade's unearned premiums?
Over 5 years (2020 to 2025), Lemonade's unearned premiums has grown at a 36.0% compound annual growth rate (CAGR), from $123.8M to $577M.
What does unearned premiums mean?
This represents the portion of written insurance premiums that corresponds to the unexpired period of the policy term. It is recorded as a liability because the company has an obligation to provide coverage for the remainder of the policy duration. As time passes, this amount is recognized as earned revenue in the income statement.