Skip to content
Screener

Lemonade LMND Pet — Total paid losses and ALAE, net

Other product segments

Property Insurance
$612.9M+401%
Car
$437.9M+438%

Similar metrics at other companies

Hippo Holdings logo
HIPOCasualty Lines — Total paid losses and LAE, net
$4.7M+327%
Hippo Holdings logo
HIPOProperty Lines — Total paid losses and LAE, net
$625.2M+302%
Kemper logo
KMPRHomeowners — Cumulative Paid Losses and Allocated LAE, Net
$509.8M+241%
Skyward Specialty Insurance Group, Inc. logo
SKWDExited Lines — Cumulative net paid loss and LAE
$538.3M+346%
Freedom Holding logo
FRHCAccident Insurance — Cumulative paid losses and LAE, net of reinsurance
$245K+33.2%
Freedom Holding logo
FRHCCivil Liability — Cumulative paid losses and LAE, net of reinsurance
$3.65M+152%

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$4.1B+5.9%
Enterprise value$3.73B+6.5%
P/S4.9×-1.6×

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:ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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, 2025
202221.825.125.125.1
202345.848.949.0
202467.671.8
2025118.9
Total paid losses and ALAE, net$275.0
Total unpaid loss and ALAE reserves, net$10.8
Ceded unpaid loss and ALAE6.6
Gross unpaid loss and ALAE$17.4

Item 8. Financial Statements and Supplementary Data

FAQ

What is Lemonade's pet — total paid losses and ALAE, net?
Lemonade (LMND) reported pet — total paid losses and ALAE, net of $275M in Q4 2025.
How has Lemonade's pet — total paid losses and ALAE, net changed year-over-year?
Lemonade's pet — total paid losses and ALAE, net increased by 306.8% year-over-year, from $67.6M to $275M.
What does pet — total paid losses and ALAE, net mean?
This metric measures the actual cash outflows for settled claims and associated loss adjustment expenses within the pet insurance segment, net of reinsurance. It provides a clear view of the realized cost of claims and the company's ability to process and pay out benefits to customers. Comparing this to incurred losses helps evaluate the accuracy of the company's initial loss estimates.

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

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

Connect your AI
Harbor at dusk
Claude