$LMND

[text] Oppenheimer Review of $LMND "the market is behaving irrationally" *Translated from a Hebrew research report* The Israeli technology-driven insurance company Lemonade (LMND) reported financial results last week that significantly exceeded expectations and reaffirmed its

[image] $LMND LMND Anatomy of the Post–Q4 2025 Earnings Crash It became one of the most dramatic and complex price moves of 2026. After a rally that started in January 2026 with autonomous vehicle insurance integration headlines and was fueled by speculative euphoria in the options

[image] I'm a big $LMND bull but I don't shy away from posing the hard questions. What @shai_wininger projected in the Q2 '24 earnings call regarding OpEx minus Growth Spend has not come true. Similar statements were made in several shareholder letters. Could you clarify? @daschreiber

[image] Whaat!? $LMND: 52% Gross Loss Ratio! 31% YoY Growth! Q4 Adj EBTIDA of only -$5M! Car Loss Ratio of 70%! Investor Day Coming in November! 🤩

[text] Just want to say: There are some really great things in this quarter, seriously - incredibly positive things that no one seems to be discussing or highlighting. Also, there are real OpEx concerns, but they are not thesis busters. I'll do some modelling around this.

[video] It’s taken nearly a full year of my life - First $LMND, soon everything else. I’ve finally launched IronicApe - not another data provider but what will become (overtime) the world’s leading digital analyst, 100x cheaper and 100x faster. I built it around a simple belief: data

[image] NEW VIDEO: Why $LMND is a STEAL at $50

[image] The Good, Bad and Ugly of $LMND Q2

[image] Looks like Lemonade $LMND is acquiring Wilco and that would make a surprising amount of sense. Not because of developer training. Because the future of AI-native insurance needs simulation environments for autonomous agents. I think this ties into what Shai mentioned a little

[text] Okay, this is really simple. It feels like a gut punch to have the stock climbing and then dramatically fall. Emotionally/psychologically it hurts. BUT, If you zoom out, it's very simple where we're at. $LMND just posted their best quarter ever. They can invest dollars

[image] $LMND sales and marketing was a whopping $77.7M for the quarter If they spent nothing on marketing, they would have had $34M in net income Or said another way, they would already be at breakeven if they only spent $34M on marketing in Q2. Two years ago, they spent around $30M

[text] When investors rotate out of hyperscalers, hardware, neoclouds, and the hottest new IPO, a logical place to park their capital may be a 4B insurance company that is: ✅ Directly in the token path ✅ Insuring autonomous vehicles ✅ Growing topline in the mid-30s (accelerating

[image]

[text] $LMND Q2 2026 Results and Shareholders Letter are out! I will post thoughts in this thread. A video will be coming likely later tomorrow.

[text] Lots of impatience and FOMO in the market right now it seems. In $LMND world, some people saying, "the stock is not doing anything! Why won't it do something!?" Actually, the stock has done very well looking at the last two Junes and I think June of 2027 will be no different.

[image] New Video: $LMND's CFO Just Said This (Oppenheimer Conference)

[image] Had Claude make this graph of $LMND Market Cap/IFP. It's pretty insnae the levels it went to in 2021. It since went to the lowest of lows where Market Cap was equal to IFP and now has slowly trended upwards. Agree with original poster in my discord that Market Cap/IFP can

[image] Lemonade being compared with the clear market leader, Chubb, at InsurTech 2026.

[image] I'm not a technical analyst, but it is interesting that $LMND has followed a similar chart pattern over the last 2 years. It has rallied in November/end of the year and then fallen hard around Q4 results in February. Same thing this year. In 2024 it went from about $17 to $51

[image] Good post about $LMND Price to IFP ratio over time and when it’s typically been the best time to buy

[image] New video: The Ultimate $LMND Q1 2026 Preview

[text] From about a year ago. The first big step up in Car growth. We're still growing at about ~60% and likely should for a loooong time.

[text] Oppenheimer’s Israel desk published a note today on Lemonade $LMND, focusing on the implications of digital agents such as Muse and Grok Bot, ahead of the company’s upcoming Investor Day in November. The translation is mine (well, not really, it’s GPT’s), and any errors are my

[image] $LMND Q4 2025 Earnings and Letter to Shareholders is out! And what a quarter it is! 🍋 I'll be posting my thoughts below this tweet in a thread.

[text] In our last meeting with management we talked about Lemonade’s boring, predictable growth and I wondered aloud why it couldn’t be in the 40s% $LMND

[text] Just recorded a $LMND video that can be summarized as: "It's hard to make the modelled present value go below $50 per share. In some ways, some outlandish present value of say $600 per share is more probable than making the model go to $30 per share."

[image] New $LMND Car ad highlighting the ability to add additional teenage drivers to a policy for a fair price:

[text] This $LMND Community is being shut down by X on May 30th. As far as I understand, I believe all of our tweets in here will be deleted. It's very sad, but we have no say in this matter. Two solutions I'm proposing: Join my Patreon Discord for free. I'm changing my Discord so

[text] What would you ask $LMND’s CEO Daniel Schreiber? Let me know your most pressing questions for an upcoming interview.

[image] And people are down about the stock being down

[image] This quiet period will not last forever

[text] So the sentiment in $LMND 🍋 land is bad right now. BUT, the good news is that even though the stock price has fallen the fundamentals are GREAT. IFP, revenue, gross profit continue to climb at an ever increasing pace, losses are shrinking and the path to profitability is ever

[image] New Video: Why $LMND Will Crush It With Young Drivers (50% Loss Ratio on 1M+ Customers)

[image] 🔥As expected, $LMND just decreased its reinsurance by 2% ! They also added additional tail catastrophe protection！

[image] Daniel talks about $LMND on Bloomberg TV: Lemonade’s autonomous car insurance gives Tesla owners a ~50% per-mile discount when Full Self-Driving (FSD) is active. Exciting!!!

[text] I recorded a video last night on Tim's recent Oppenheimer talk. For me it was a very bullish talk. If $LMND can grow faster than they are now (Tim said even as high as 45% growth would be theoretically possible) then it dramatically changes the present value. Stay tuned.

[text] With the drop in $LMND price, more bears have been coming out. A common argument they make is they say @Lemonade_Inc will fail because the book value is dropping. So what are these book value bros talking about? It's not complicated. Let me explain. 1) If $LMND is losing

[image] Now THIS I like! $LMND 👏

[image] $LMND has renewed their reinsurance at a 18% ceding rate, down from 20%

[image] $LMND 🍋

[image] My $LMND Q2 preview video is up on my Patreon. I'll make it public later this week. Here is what is covered:

[text] My thoughts on whether $LMND Home's failures mean Lemonade will fail at other products as well as whether Home could be a successful product in the future:

[text] Just filed a pet claim... it was approved in 2 seconds with funds being wired. Holy shit 2 seconds???? What competition? Whole process took like 3 minutes max I know we've been told this about claims handling but it's insane to see it first hand

[image] Remember when high loss ratios were a big problem we worried about? Reminder: Q4 Gross loss ratio was 52% Fifty two percent!

[text] You can still call me crazy, but I still believe this, but a higher percentage now imo.

[image] $LMND is entering a new financing agreement with Hannover Re to fuel growth spend in 2027 and 2028. It sounds like the agreement is similar to the General Catalyst agreement, except that the rate will be more like ~10% or less even (5.8% + U.S. Treasury rate) vs GC was 16%. I

[image] Something the book value bros can rejoice over: in Q4 $LMND's Book Value Per Share actually rose! It's almost like there's an underlying trend occurring.

[text] $LMND's LAE is at 5% and on track for 3.5%. Why can't they eventually go even lower, say a 1% LAE? This would be vs industry average of 9 to 10% BTW, most insurance companies make very tiny underwriting profits...all else equal, shaving 8 to 9% off the cost structure is WILD 🍋

[text] $LMND Car customer insuring a Tesla is being charged $65/month as a base rate plus mileage on top of that. Cheaper than Geico on his old Jeep.

[video] Here we go. The full video with translations for $LMND COO @EcksteinAdina’s interview. BTW, this was done end-to-end in less than 5 minutes by AI: download -->transcription --> subtitle embedding --> X posting. If I can do something like this with zero programming background,