Skip to content
Screener

Lemonade LMND Pet — Total incurred losses and ALAE, net

Other product segments

Property Insurance
$718.3M+364%
Car
$491M+432%

Similar metrics at other companies

Skyward Specialty Insurance Group, Inc. logo
SKWDExited Lines — Incurred losses and ALAE, net of reinsurance
$605.23M+340%
Skyward Specialty Insurance Group, Inc. logo
SKWDMulti-line Solutions — Incurred losses and ALAE, net of reinsurance
$1.9B+438%
White Mountains Insurance Group logo
WTMSpecialty — Incurred Loss and LAE, Net of Reinsurance
$918.1M+311%
KG
KGInternational — Incurred loss and LAE, net of reinsurance
56,319,200,000%+47,637,100,000pp
Skyward Specialty Insurance Group, Inc. logo
SKWDShort-tail/Monoline Specialty Lines — Incurred losses and ALAE, net of reinsurance
$1.07B+283%
White Mountains Insurance Group logo
WTMCasualty-Active — Incurred Loss and LAE, Net of Reinsurance
$303.2M+360%

Other financials

Income statement

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

Balance sheet

See full
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

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

Valuation

See full
Market cap$4.01B+6.4%
Enterprise value$3.65B+7.1%
P/S4.8×-1.5×

Profitability

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

Returns & leverage

See full
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:ShortdurationInsuranceContractsIncurredClaimsAndAllocatedClaimAdjustmentExpenseNet.

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
Accident YearDecember 31, 2020December 31, 2021December 31, 2022December 31, 2023December 31, 2024December 31, 2025December 31, 2025 / IBNRDecember 31, 2025 / Cumulative Number of Reported Claims
2020$0.7$0.6$1.0$0.6$0.7$0.720,922
202110.09.79.59.59.5197,014
202227.425.325.225.1375,674
202351.948.949.0510,111
202472.371.8697,403
2025129.76.2963,770
Total incurred losses and ALAE, net$285.8$6.22,764,894

Item 8. Financial Statements and Supplementary Data

FAQ

What is Lemonade's pet — total incurred losses and ALAE, net?
Lemonade (LMND) reported pet — total incurred losses and ALAE, net of $285.8M in Q4 2025.
How has Lemonade's pet — total incurred losses and ALAE, net changed year-over-year?
Lemonade's pet — total incurred losses and ALAE, net increased by 295.3% year-over-year, from $72.3M to $285.8M.
What does pet — total incurred losses and ALAE, net mean?
This metric represents the total net losses and allocated loss adjustment expenses incurred by the pet insurance segment during a specific period. It reflects the company's underwriting performance by accounting for both paid claims and changes in reserves for future payments, net of reinsurance recoveries. Monitoring this helps investors assess the profitability and risk profile of the pet insurance product line.

Ask your AI about Lemonade's pet — total incurred losses and alae, net.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI
Harbor at dusk
Claude