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Lemonade LMND Property Insurance — IBNR

Other product segments

Car
$40.5M+0.7%
Pet
$6.2M+67.6%

Similar metrics at other companies

Selective Insurance Group logo
SIGICommercial property — IBNR
$53.81M-16.7%
RenaissanceRe Holdings logo
RNRProperty — IBNR
$2.04B-44.9%
The Hartford Financial Services Group logo
HIGProperty Insurance — IBNR
Reserves
27,100,000,000%-5,100,000,000pp
Selective Insurance Group logo
SIGIBusinessowners’ policies — IBNR
$37.75M+18.5%
Selective Insurance Group logo
SIGIGeneral liability — IBNR
$769.16M+23.9%
The Hartford Financial Services Group logo
HIGProfessional liability — IBNR
Reserves
$366M+8.6%

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 / equity0×0.0×

Where this comes from

Reported directly by Lemonade in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: Lemonade’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lemonade's property insurance — IBNR?
Lemonade (LMND) reported property insurance — IBNR of $64.6M in Q4 2025.
How has Lemonade's property insurance — IBNR changed year-over-year?
Lemonade's property insurance — IBNR increased by 15.8% year-over-year, from $55.8M to $64.6M.
What does property insurance — IBNR mean?
This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the policyholder. It is a critical actuarial reserve that ensures the company maintains sufficient capital to cover future claim settlements. A stable or predictable IBNR trend is essential for maintaining long-term financial solvency.