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Lemonade LMND Car — Total unpaid loss and ALAE reserves, net

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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$4.1B+5.4%
Enterprise value$3.73B+5.9%
P/S4.9×-1.6×

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 / equity0×0.0×

Where this comes from

Reported directly by Lemonade in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

The source filing: Lemonade’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 4:21 PM EST
Fiscal year
FY2025
Accession
0001691421-26-000016
Unpaid Loss and ALAE, net
Home and renters$$105.4
Pet10.8
Car53.1
169.3
Reinsurance recoverable on Unpaid Loss and ALAE, net
Home and renters88.1
Pet6.6

Item 8. Financial Statements and Supplementary Data

FAQ

What is Lemonade's car — total unpaid loss and ALAE reserves, net?
Lemonade (LMND) reported car — total unpaid loss and ALAE reserves, net of $53.1M in Q4 2025.
What does car — total unpaid loss and ALAE reserves, net mean?
This metric quantifies the total net liability set aside to cover future payments for claims that have been reported but not yet settled in the car insurance segment. It reflects the company's financial obligation to policyholders for ongoing automotive claims. Maintaining appropriate reserve levels is vital for long-term solvency and regulatory compliance.

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