OakChart

Lemonade Inc

LMNDFinancial·Insurance - Property & Casualty·USA·Mid·NYSE·Nov 11 • 3:59 PM ET

40.66+1.38 (3.51%)
2026-11-12 02:33 CET
Market cap
3,168.28 USD m
Revenue, TTM
1,022.00 USD m
Net income, TTM
-144.60 USD m
Free cash flow, TTM
7.40 USD m
EPS diluted, TTM
-1.88
P/E
-
Compare

Price

LMND against its 20, 50 and 200-day averages
2050200beatearnings
40.0050.0060.0070.0080.003.5M7.1MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26LMNDclose 40.6620-day 43.4450-day 45.94200-day 56.6140.6652w low

59.3% under the 52-week high of 99.90 on 22 Jan 2026. 52-week low 38.36 on 10 Nov 2026. Last 15 sessions, 22.3% high to low

Volume 0.87× normal · the line is the 50-bar volume average

Profile

LMND
52-week range, 4% of the way up
38.3699.90

Lemonade, Inc. is a holding company, which engages in the provision of insurance services. The firm's products include renters and homeowners insurance, and pet insurance. It offers insurance coverage under the homeowners multi-peril, inland marine, and general liability lines of business. The company was founded by Daniel Asher Schreiber and Shai Wininger on June 17, 2015 and is headquartered in New York, NY.

IndexRUT
Employees1282
IPOJul 02, 2020
Beta1.96
ATR, 14d2.41
Rel volume0.87
Short float16.02%
Insider own11.40%
Inst own58.47%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.17B
Enterprise Value-
Income-144.60M
Sales1.02B
Book/sh6.06
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees1282
IPOJul 02, 2020

Ratios

P/E-
Forward P/E-
PEG-
P/S3.10
P/B6.71
P/C-
P/FCF428.15
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio2.10
Debt/Eq0.53
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)-1.88
EPS next Y-1.04
EPS next Q-0.25
EPS this Y17.63%
EPS next Y43.84%
EPS next 5Y-
EPS past 3/5Y21.27% 9.24%
Sales past 3/5Y47.27% 50.72%
EPS Y/Y TTM20.78%
Sales Y/Y TTM89.43%
EPS Q/Q-11.52%
Sales Q/Q96.36%
EarningsNov 05 BMO
EPS/Sales Surpr.3.48% 4.15%

Ownership

Insider Own11.40%
Insider Trans-1.14%
Inst Own58.47%
Inst Trans-0.69%
ROA-8.51%
ROE-29.27%
ROIC-29.52%
Gross Margin-
Oper. Margin-11.79%
Profit Margin-14.15%
SMA20-6.40%
SMA50-11.50%
SMA200-28.17%
Trades-

Technical

Shs Outstand77.86M
Shs Float69.04M
Short Float16.02%
Short Ratio9.83
Short Interest11.06M
52W High99.90 -59.30%
52W Low38.36 6.00%
Volatility7.37% 5.63%
ATR (14)2.41
RSI (14)41.31
Beta1.96
Rel Volume0.87
Avg Volume1.12M
Volume982,414

Performance

Perf Week-11.42%
Perf Month-9.06%
Perf Quarter-23.25%
Perf Half Y-23.09%
Perf YTD-42.88%
Perf Year-48.62%
Perf 3Y185.94%
Perf 5Y-38.25%
Perf 10Y-
Recom2.83
Target Price55.67
Prev Close39.28
Price40.66
Change %3.51%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 30, 2026UpgradeKKeefe BruyetteUnderperform → Mkt Perform$48+18.1%
Jul 08, 2026DowngradeMMorgan StanleyOverweight → Equal-Weight$75+84.5%
Mar 17, 2026UpgradeMMorgan StanleyEqual-Weight → Overweight$85+109.1%
Jan 06, 2026InitiatedTTruistBuy$98+141.0%
Dec 16, 2025UpgradeMMorgan StanleyUnderweight → Equal-Weight$85+109.1%
Aug 13, 2025InitiatedCCantor FitzgeraldOverweight$60+47.6%
Apr 08, 2025DowngradeMMorgan StanleyEqual-Weight → Underweight$24-41.0%
Nov 20, 2024UpgradeMMorgan StanleyUnderweight → Equal-Weight$23 → $42+3.3%
Nov 07, 2024DowngradeKKeefe BruyetteMkt Perform → Underperform$18 → $21-48.4%
Jan 10, 2024InitiatedTTD CowenMarket Perform$17-58.2%

Peers

Mkt cap
TickerCompanyMkt cap
HIPOHippo Holdings Inc974.62M
ROOTRoot Inc668.00M
TRUPTrupanion Inc1.49B
ALLAllstate Corp64.88B
PGRProgressive Corp135.30B
HCIHCI Group Inc2.36B
MCYMercury General Corp4.78B
SLDESlide Insurance Holdings Inc3.05B
OIGOrion180 Insurance Group Inc1.03B
LIFEEthos Technologies Inc2.45B

Insider trading

latest 14 of 64
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Prosor MayaChief Business OfficerSep 03 '26Sale54.631,04056,815186,533Sep 08 05:36 PM
BIXBY TIMOTHY EChief Financial OfficerSep 03 '26Sale54.631,893103,415172,370Sep 08 05:33 PM
Peters John SheldonChief Insurance OfficerSep 04 '26Sale54.452,249122,45873,834Sep 08 05:33 PM
Peters John SheldonChief Insurance OfficerSep 03 '26Sale54.6385946,92776,083Sep 08 05:33 PM
Peters John SheldonOfficerSep 04 '26Proposed Sale54.452,249122,458Sep 04 11:45 AM
Peters John SheldonOfficerSep 03 '26Proposed Sale54.6385946,928Sep 03 03:59 PM
BIXBY TIMOTHY EOfficerSep 03 '26Proposed Sale54.631,893103,416Sep 03 03:43 PM
Prosor MayaOfficerSep 03 '26Proposed Sale54.631,04056,816Sep 03 03:32 PM
Peters John SheldonChief Insurance OfficerAug 13 '26Sale52.5511,000578,05076,942Aug 17 05:05 PM
Peters John SheldonOfficerAug 13 '26Proposed Sale52.5511,000578,000Aug 13 12:57 PM
BIXBY TIMOTHY EChief Financial OfficerJul 07 '26Sale79.1873,0005,780,140174,263Jul 09 03:03 PM
Peters John SheldonChief Insurance OfficerJul 06 '26Sale79.003,444272,07677,942Jul 08 09:40 PM
BIXBY TIMOTHY EOfficerJul 07 '26Proposed Sale79.1873,0005,780,453Jul 07 04:14 PM
Peters John SheldonOfficerJul 06 '26Proposed Sale79.003,444272,076Jul 06 11:54 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBKVanguard Morningstar Small-Cap Growth ETFAUM: 22.34B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
JTEKJPMorgan U.S. Tech Leaders ETFAUM: 4.15B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
KIEState Street SPDR S&P Insurance ETFAUM: 556.16M

News

latest 14 of 100
  • Lemonade Announces Online Viewing Details for 2026 Investor Day (PR Newswire)
  • Lemonade Beats And Raises The Top Line Again, But Rising Pet And Europe Loss Ratios Keep Its Profit Outlook Flat (Earnings Whispers) -9.63%
  • Lemonade: Q3 Earnings Snapshot (Associated Press)
  • Lemonade Announces Third Quarter 2026 Financial Results (PR Newswire)
  • Lemonade Expands Renters Insurance to Minnesota, Completing Nationwide Availability (PR Newswire) +11.03%
  • Lemonade's Breakeven Countdown Faces A Key Test As The Stock Slumps Toward Range Lows (Earnings Whispers)
  • Lemonade Renters Insurance Expands to Idaho (PR Newswire)
  • Lemonade Renters Insurance Expands to Alabama (PR Newswire) +5.21%
  • Lemonade To Announce Third Quarter 2026 Financial Results (PR Newswire)
  • TSLA Stock Rises Overnight On Record Cybercab Registrations Analysts 5 Bullish Bets Signal Nearly 50% Upside (Stocktwits)
  • Lemonade adds support for Tesla FSD V14 Lite, expanding its Autonomous Car insurance to Teslas running HW3 (PR Newswire)
  • Lemonade Expands Renters Insurance to Hawaii (PR Newswire)
  • Lemonade Expands Renters Insurance to Alaska (PR Newswire)
  • Lemonade Continues U.S. Expansion With Launch of Pet Insurance in Kentucky (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-05-0.560-0.580-0.560336.1322.7213
2026Q22026-07-29-0.560-0.564-0.564294.4291.0113
2026Q12026-04-29-0.470-0.567-0.469258251.5112
2025Q42026-02-19-0.290-0.394-0.286228.1217.8913
2025Q32025-11-05-0.510-0.699-0.505194.5184.8912
2025Q22025-08-05-0.600-0.790-0.598164.1160.778
2025Q12025-05-06-0.860-0.942-0.856151.2145.5710
2024Q42025-02-25-0.420-0.596-0.417148.8144.9811
2024Q32024-10-30-0.950-1.022-0.952136.6129.111
2024Q22024-07-30-0.810-0.879-0.809122121.7711
2024Q12024-04-30-0.670-0.804-0.673119.1114.1310
2023Q42024-02-27-0.610-0.772-0.606115.5111.649
2023Q32023-11-01-0.880-0.943-0.882114.5104.5211
2023Q22023-08-02-0.970-1.033-0.966104.697.5810
2023Q12023-05-03-0.950-1.130-0.94995.2088.2012
2022Q42023-02-22-0.930-1.194-0.92188.4078.2312

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2020FY-3.630-3.646-3.63494.4093.05
2021FY-3.940-3.930-3.941128.4126.89
2022FY-4.590-4.865-4.587256.7246.48
2023FY-3.400-3.592-3.401429.8426.91
2024FY-2.850-3.033-2.847526.5522.83
2025FY-2.240-2.354-2.240737.9727.91
2026FY--1.845--1,236
2027FY--1.036--1,675
2028FY-0.487--2,158
2029FY-3.080--2,661

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-09960348.57343.9362
2026Q4S2026-11-07950347.95343.9362
2026Q4S2026-11-061050347.17340.1362
2026Q4S2026-11-051040346.3339.3362
2026Q4S2026-11-041000341.08329.2347.1
2026Q4S2026-10-211000341.08329.2347.1
2026Q4S2026-10-201000341.08329.2347.1
2026Q4S2026-10-131000341.08329.2347.1
2026Q4S2026-10-121010341.08329.2347.1
2026Q4S2026-10-091051341.08329.2347.1
2026Q4S2026-10-051051340.89329.2345.23
2026Q4S2026-10-021051340.9329.2345.23
2026Q4S2026-08-141051340.89329.2345.23
2026Q4S2026-08-031051340.92329.2345.53

Estimate history

EPS, annual-0.497-0.935-1.918-3.634-3.941-4.587-3.401-2.847-2.238-1.8823
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.952-0.417-0.856-0.598-0.505-0.286-0.469-0.564-0.564
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual2.422.567.379.183.5192.6360435.4615.21022
Period201720182019202020212022202320242025TTM
Sales, quarterly112.6119.2124.3133.7162.3194.9234.4274318.7
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual56.57756.57756.57756.77461.66169.27570.16472.72175.90777.864
Period201720182019202020212022202320242025MRQ
Shares, quarterly71.37972.72173.21373.8274.66675.90776.78777.32777.864
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue1,022.00615.20435.40360.00192.6083.5079.1067.3022.50
Losses, Claims & Reserves671.30408.60323.30317.80194.3086.5064.2053.3019.30
Selling, General and Administrative Incl. Other471.20352.50309.80272.00284.70230.60135.70121.9055.80
Operating Income before Interest Expense-120.50-145.90-197.70-229.80-286.40-233.60-120.80-107.90-52.60
Interest Expense-17.306.20---0.000.000.00
Unusual Expense--2.30--8.40----
Net Income Before Taxes-140.20-160.90-203.90-229.80-294.80-233.60-120.80-107.90-52.60
Income Taxes4.404.60-1.707.103.007.701.500.600.30
Consolidated Net Income-144.60-165.50-202.20-236.90-297.80-241.30-122.30-108.50-52.90
Net Income From Continuing Operations-144.60-165.50-202.20-236.90-297.80-241.30-122.30-108.50-52.90
Net Income-144.60-165.50-202.20-236.90-297.80-241.30-122.30-108.50-52.90
EPS (Recurring)-1.86-2.26-2.85-3.40-4.50-3.94-3.63-1.92-0.94
EPS (Basic, Before Extraordinaries)-1.88-2.24-2.85-3.40-4.59-3.94-3.63-1.92-0.94
EPS (Diluted)-1.88-2.24-2.85-3.40-4.59-3.94-3.63-1.92-0.94
Non-Operating Income (Expense)-0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense69.0548.4350.9547.3246.2232.197.743.141.66
Price To Sales Ratio3.438.565.983.124.6130.8852.12--
Operating Margin-11.79-23.72-45.41-63.83-148.70-279.76-152.72-160.33-233.78
Net Margin-14.15-26.90-46.44-65.81-154.62-288.98-154.61-161.22-235.11
Shares Outstanding77.8675.9172.7270.1669.2861.6656.7756.5856.58
Market Capitalization3,168.283,168.282,619.121,127.87946.162,595.816,932.347,350.54-
Operating Income after Interest Expense--163.20-203.90----120.80-107.90-52.60
Reserves Increase (Decrease)-0.000.000.000.000.000.000.000.00

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue318.70274.00234.40194.90162.30133.70124.30119.20
Losses, Claims & Reserves216.60180.70157.40116.60113.7098.90111.5083.60
Selling, General and Administrative Incl. Other137.20135.10105.4093.5082.6073.4070.9070.60
Operating Income before Interest Expense-35.10-41.80-28.40-15.20-34.00-38.60-58.10-35.00
Interest Expense8.10-6.205.404.604.003.302.80
Operating Income after Interest Expense-43.20--34.60-20.60-38.60-42.60-61.40-37.80
Unusual Expense---0.00-2.30---
Net Income Before Taxes-43.20-41.80-34.60-20.60-36.30-42.60-61.40-37.80
Income Taxes0.501.601.201.101.201.301.00-7.80
Consolidated Net Income-43.70-43.40-35.80-21.70-37.50-43.90-62.40-30.00
Net Income From Continuing Operations-43.70-43.40-35.80-21.70-37.50-43.90-62.40-30.00
Net Income-43.70-43.40-35.80-21.70-37.50-43.90-62.40-30.00
EPS (Recurring)-0.56-0.56-0.47-0.29-0.53-0.60-0.86-0.42
EPS (Basic, Before Extraordinaries)-0.56-0.56-0.47-0.29-0.51-0.60-0.86-0.42
EPS (Diluted)-0.56-0.56-0.47-0.29-0.51-0.60-0.86-0.42
Non-Operating Income (Expense)0.00-0.000.000.000.000.000.00
Other After Tax Adjustments0.00-0.000.000.000.000.000.00
Stock Option Compensation Expense18.3319.3616.7514.6213.5112.178.1413.67
Price To Sales Ratio3.435.796.598.787.366.574.976.06
Operating Margin-11.01-15.26-12.12-7.80-20.95-28.87-46.74-29.36
Net Margin-13.71-15.84-15.27-11.13-23.11-32.83-50.20-25.17
Shares Outstanding77.8677.3376.7975.9174.6773.8273.2172.72
Market Capitalization3,168.284,997.194,787.715,319.353,955.143,209.792,288.742,619.12

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Total Cash396.80385.70271.50286.50270.60571.40270.30102.4016.90
Investments722.90634.90673.20750.10801.806.6060.609.2016.30
Premium Balance Receivables - Insurance402.30301.20241.40200.60141.5091.5054.1025.905.90
Net Property, Plant & Equipment35.6031.3034.8046.0033.605.703.101.000.30
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Other Intangible Assets66.8072.0077.7086.2023.6013.204.902.001.10
Total Assets1,624.401,425.101,298.601,369.401,271.10688.40393.00140.5040.50
Insurance Policy Liabilities - Insurance582.60332.20284.70225.0066.2029.8074.9027.504.70
Total Debt182.10116.2043.1035.2022.300.000.000.000.00
Long Term Debt16.8023.8018.1026.4022.300.000.000.000.00
Provision for Risks Charges11.006.200.000.000.000.000.000.000.00
Other Liabilities315.10377.10261.90242.40194.40117.6020.4011.303.80
Total Liabilities1,090.80831.70589.70502.60282.90147.4095.3038.808.50
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00480.20180.8060.40
Common Equity533.60593.40708.90866.80988.20541.00-182.50-79.10-28.40
Total Shareholders Equity533.60593.40708.90866.80988.20541.00297.70101.7032.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity533.60593.40708.90866.80988.20541.00297.70101.7032.00
Total Liabilities & Stockholders Equity1,624.401,425.101,298.601,369.401,271.10688.40393.00140.5040.50
Book Value Per Share7.038.1610.1012.5116.039.53-3.23-1.40-0.50
Tangible Book Value Per Share6.677.719.5111.7716.029.52-3.24-1.40-0.50
Full-Time Employees1,2821,2351,2581,3671,119567279146146
Price to Book Ratio6.714.421.551.042.6312.8612.92--
Return on Assets-10.85-14.85-17.76-22.56-24.63-22.62-40.67-58.45-
Return on Equity-29.37-31.05-30.07-32.11-31.56-29.16-54.33-79.13-
Return on Invested Capital-30.07-32.76-32.59-33.34-23.88-22.61-36.45-52.02-87.81
Current Ratio2.583.284.085.169.7423.4613.9910.8414.36

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-21.70-75.00-112.50-147.80-210.90-191.50-95.90-103.20-50.50
Extraordinary Item-0.000.000.000.000.000.000.000.00
Changes in Working Capital45.7058.50101.1028.7047.9046.904.2025.109.70
Cash from Operating Activities24.00-16.50-11.40-119.10-163.00-144.60-91.70-78.10-40.80
Capital Expenditures-16.60-9.40-9.40-9.20-10.10-9.40-4.40-3.30-0.70
Net Assets From Acquisitions-0.000.000.0098.800.000.000.000.00
Sale of Fixed Assets and Businesses-0.000.000.000.000.000.000.000.00
Purchase or Sale of Investments-98.40-79.7050.0097.9092.40-795.4054.50-50.707.10
Purchase of Investments-631.00-504.40-363.80-395.20-270.10-842.80-17.80-72.70-13.80
Sale Or Maturity of Investments532.60424.70413.80493.10362.5047.4072.3022.0020.90
Other Uses-0.000.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.000.00
Cash from Investing Activities-115.00-89.1040.6088.70181.10-804.8050.10-54.006.40
Cash Dividends Paid-0.000.000.000.000.000.000.000.00
Change in Capital Stock28.4031.9019.300.503.60649.60341.10300.10119.90
Repurchase of Common Pref Stock-0.000.000.000.000.000.000.000.00
Sale of Common Pref Stock28.4031.9019.300.503.60649.60341.10300.10119.90
Proceedsfrom Stock Options-0.000.000.000.00640.30339.30299.40119.80
Issuance or Reduction of Debt, Net92.5074.7068.4014.900.000.000.000.000.00
Change in Long Term Debt-0.000.000.000.000.000.000.000.00
Issuance of Long Term Debt-0.000.000.000.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses-0.000.000.000.000.000.000.000.00
Cash from Financing Activities120.90106.6087.7015.403.60649.60341.10300.10119.90
Exchange Rate Effect-0.2010.10-2.70--5.80-1.001.60-0.10-
Net Change in Cash29.7011.10114.20-15.0015.90-300.80301.10167.9085.50
Free Cash Flow7.40-25.90-20.80-128.30-173.10-154.00-96.10-80.80-41.50
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow473.02--------

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Total Cash385.20380.30386.50396.80355.50386.00
Investments793.70777.70751.30722.90705.30645.80
Net Property, Plant & Equipment21.8018.9016.7035.6015.3016.00
Investment in Unconsolidated Affiliates0.00-0.000.000.000.00
Other Intangible Assets87.5087.2084.9066.8076.3080.70
Total Assets1,849.401,754.501,688.501,624.401,547.701,475.20
Insurance Policy Liabilities - Insurance834.60711.80659.20582.60515.30365.70
Total Debt249.60206.40200.40182.10151.70143.70
Long Term Debt18.00-20.8016.8012.7020.20
Provision for Risks Charges19.80-12.8011.0010.408.70
Other Liabilities273.60336.80298.10315.10354.10430.00
Total Liabilities1,377.601,255.001,170.501,090.801,031.50948.10
Non-Equity Reserves0.00-0.000.000.000.00
Preferred Stock - Carrying Value0.00-0.000.000.000.00
Common Equity471.80499.50518.00533.60516.20527.10
Total Shareholders Equity471.80499.50518.00533.60516.20527.10
Accumulated Minority Interest0.00-0.000.000.000.00
Total Equity471.80499.50518.00533.60516.20527.10
Total Liabilities & Stockholders Equity1,849.401,754.501,688.501,624.401,547.701,475.20
Book Value Per Share6.066.466.757.036.917.14
Tangible Book Value Per Share5.716.116.396.676.556.76
Full-Time Employees---1,282--
Price to Book Ratio6.719.648.9210.307.505.88
Return on Assets-8.51-8.57-8.96-10.85-11.88-14.74
Return on Equity-29.27-26.96-26.12-29.37-31.34-35.10
Return on Invested Capital-8.92--6.64-3.94-7.09-8.02
Current Ratio2.102.422.412.582.723.09

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations-9.10-11.30-7.306.00-15.50-20.90
Extraordinary Item0.00-0.000.000.000.00
Changes in Working Capital16.407.906.7014.7020.0026.40
Cash from Operating Activities7.30-3.40-0.6020.704.505.50
Capital Expenditures-5.40-4.60-3.50-3.10-1.90-2.10
Net Assets From Acquisitions0.00-0.000.000.000.00
Sale of Fixed Assets and Businesses0.00-0.000.000.000.00
Purchase or Sale of Investments-23.90-27.60-31.10-15.80-57.5031.60
Purchase of Investments-88.10-268.80-161.20-112.90-206.00-107.90
Sale Or Maturity of Investments64.20241.20130.1097.10148.50139.50
Other Uses0.00-0.000.000.000.00
Other Sources0.00-0.000.000.000.00
Cash from Investing Activities-29.30-32.20-34.60-18.90-59.4029.50
Cash Dividends Paid0.00-0.000.000.000.00
Preferred Dividends (Cash Flow)0.00-0.000.000.000.00
Change in Capital Stock2.901.404.7019.408.502.50
Repurchase of Common Pref Stock0.00-0.000.000.000.00
Sale of Common Pref Stock2.901.404.7019.408.502.50
Proceedsfrom Stock Options0.00-0.000.000.000.00
Issuance or Reduction of Debt, Net25.1026.8021.5019.1015.5021.60
Change in Long Term Debt0.00-0.000.000.000.00
Issuance of Long Term Debt0.00-0.000.000.000.00
Reduction of Long Term Debt0.00-0.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.00-0.000.000.000.00
Cash from Financing Activities28.0028.2026.2038.5024.0024.10
Exchange Rate Effect-1.101.20-1.301.000.407.20
Net Change in Cash4.90-6.20-10.3041.30-30.5066.30
Free Cash Flow1.90-8.00-4.1017.602.603.40
Price to Free Cash Flow473.02618.25245.28---

Revenue breakdown

Fire, Marine & Casualty Insurance2024: 526.50M 2025: 737.90M
United States2024: 526.50M 2025: 737.90M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3016.02%11.1M69.0M1.09M
2026-10-1516.95%11.6M68.6M1.24M
2026-09-3016.60%11.4M68.6M1.29M
2026-09-1515.63%10.9M69.4M1.32M
2026-08-3114.66%10.2M69.4M1.44M
2026-08-1414.18%10.0M70.4M1.51M
2026-07-3114.89%10.5M70.4M1.60M
2026-07-1514.52%10.1M69.9M1.59M
2026-06-3015.87%11.1M69.8M1.60M
2026-06-1515.45%10.8M69.8M1.75M
2026-05-2914.82%10.2M69.1M1.78M
2026-05-1516.16%11.2M69.1M2.20M
2026-04-3015.67%10.5M66.7M2.39M
2026-04-1515.90%10.9M68.5M2.54M
2026-03-3116.02%11.0M68.5M2.59M
2026-03-1316.58%11.4M68.5M2.56M
2026-02-2717.70%12.1M68.5M2.66M
2026-02-1316.89%11.3M67.0M2.43M
2026-01-3018.57%12.0M64.4M2.66M
2026-01-1519.24%12.4M64.3M2.62M

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call28.5011.7013.4012.335.4554.004.000.982-0.0900.001
call29.0010.2012.9011.915.2652.005.000.981-0.0890.001
call29.5010.7012.8011.155.6746.005.000.980-0.0890.001
call30.0010.2011.9010.604.8983.007.000.979-0.0880.001
call30.509.3011.5010.374.8624.006.000.979-0.0870.001
call31.009.3010.409.943.7662.005.000.978-0.0860.002
call31.508.5010.408.284.3594.000.000.976-0.0850.002
call32.008.109.208.503.1151.004.000.975-0.0840.002
call32.506.809.408.073.7332.001.000.957-0.1390.003
call33.006.809.007.673.9650.004.000.955-0.1370.003
call33.506.907.907.152.9861.001.000.953-0.1350.003
call34.006.107.506.752.9720.003.000.950-0.1320.003
call34.505.707.006.272.8151.001.000.947-0.1300.003
call35.004.806.605.702.7864.005.000.943-0.1270.003
call35.504.805.705.342.1060.002.000.939-0.1240.003
call36.004.305.504.872.3450.0016.000.934-0.1210.004
call36.503.904.804.431.9470.0015.000.929-0.1170.004
call37.002.604.900.002.3590.000.000.907-0.1390.005
call37.501.854.000.001.8690.000.000.867-0.1820.006
call38.001.603.400.001.6020.000.000.816-0.2330.008
call38.501.253.200.001.7420.000.000.764-0.2740.009
call39.001.552.151.251.0221040.000.729-0.2670.010
call39.501.401.751.760.9609.0063.000.685-0.2510.010
call40.001.151.351.300.87617632.000.611-0.2730.011
call40.500.801.101.070.89830.008.000.534-0.2810.011
call41.000.600.850.860.88578.0036.000.456-0.2760.011
call41.500.400.650.500.88224.005.000.390-0.2880.011
call42.000.250.450.450.84365.0019.000.315-0.2530.010
call42.500.200.350.300.87053615.000.279-0.2690.010
call43.000.100.200.200.8021236580.189-0.1860.008
call43.500.050.150.110.73839.005.000.166-0.1880.007
call44.000.000.350.080.82792.000.000.117-0.1420.006
call44.500.000.350.050.91212.0016.000.094-0.1250.005
call45.000.000.100.040.94986.004.000.081-0.1120.004
call45.500.000.200.111.0754040.000.074-0.1190.004
call46.000.000.550.071.15410.000.000.070-0.1220.004
call46.500.000.650.131.23014.000.000.067-0.1250.004
call47.000.000.500.051.30474.007.000.063-0.1280.004
call47.500.000.750.301.37728.000.000.061-0.1300.003
call48.000.000.750.051.44857.000.000.058-0.1320.003
call48.500.000.950.001.5180.000.000.056-0.1350.003
call49.000.000.950.101.5861590.000.054-0.1370.003
call49.500.000.950.261.65415.000.000.052-0.1390.003
call50.000.000.950.021.71989.001.000.050-0.1410.003
call51.000.000.750.051.84720.000.000.048-0.1440.003
call52.000.000.750.041.97053.000.000.045-0.1470.003
call53.000.000.950.162.09056.000.000.043-0.1500.003
call54.000.000.600.752.20777.000.000.041-0.1530.003
call55.000.000.950.052.3201940.000.039-0.1550.002
call56.000.002.100.552.43030.000.000.038-0.1580.002
call57.000.002.150.502.5374890.000.037-0.1600.002
call58.000.002.150.362.6412.000.000.035-0.1620.002
call59.000.002.150.632.7422.000.000.034-0.1640.002
call60.000.002.150.302.8411310.000.033-0.1660.002
call61.000.002.150.002.9380.000.000.032-0.1680.002
call62.000.002.100.003.0310.000.000.032-0.1690.002
call65.000.002.150.143.3033.000.000.029-0.1740.002
put28.500.002.150.002.4940.000.00-0.018-0.0870.001
put29.000.002.150.002.3880.000.00-0.019-0.0860.001
put29.500.002.150.002.2820.000.00-0.020-0.0850.001
put30.000.002.150.322.1784.000.00-0.021-0.0850.001
put30.500.000.950.002.0750.000.00-0.021-0.0840.001
put31.000.000.950.331.9741.000.00-0.022-0.0830.002
put31.500.000.950.051.8746.000.00-0.024-0.0820.002
put32.000.000.050.101.7211130.00-0.025-0.0750.002
put32.500.000.950.051.90623.000.00-0.043-0.1350.003
put33.000.000.950.071.79834.000.00-0.045-0.1330.003
put33.500.000.950.051.69217.000.00-0.047-0.1310.003
put34.000.000.950.051.58688.000.00-0.050-0.1290.003
put34.500.000.950.061.48046.000.00-0.053-0.1260.003
put35.000.001.000.031.3751391.00-0.057-0.1230.003
put35.500.000.300.121.27112.000.00-0.061-0.1200.003
put36.000.000.300.051.16675847.00-0.066-0.1170.004
put36.500.000.300.051.06268.003.00-0.071-0.1130.004
put37.000.050.100.080.9572732.00-0.093-0.1340.005
put37.500.050.150.100.95110930.00-0.133-0.1780.006
put38.000.050.250.150.99187.003.00-0.184-0.2280.008
put38.500.100.300.260.92759.0031.00-0.236-0.2700.009
put39.000.000.500.281.0101098.00-0.271-0.2620.010
put39.500.250.500.400.85166.0050.00-0.315-0.2470.010
put40.000.400.750.610.91179.001.00-0.389-0.2680.011
put40.500.600.950.750.88727.0026.00-0.466-0.2760.011
put41.000.851.202.200.87443.000.00-0.544-0.2710.011
put41.501.101.702.101.05292.000.00-0.610-0.2830.011
put42.001.402.002.931.02638.000.00-0.685-0.2490.010
put42.501.702.751.901.4102808.00-0.721-0.2650.010
put43.001.852.852.251.14636.008.00-0.811-0.1820.008
put43.502.154.302.782.21023.001.00-0.834-0.1830.007
put44.002.804.304.521.86423.000.00-0.883-0.1370.006
put44.502.805.304.862.2873.000.00-0.906-0.1200.005
put45.003.505.105.821.8931980.00-0.921-0.1110.004
put45.504.306.305.802.7327.000.00-0.926-0.1140.004
put46.004.807.306.053.33626.000.00-0.930-0.1170.004
put46.505.307.306.372.9674.001.00-0.933-0.1200.004
put47.005.907.807.853.08016.000.00-0.937-0.1220.004
put47.506.308.307.593.19213.000.00-0.939-0.1250.003
put48.006.608.808.393.29929.002.00-0.942-0.1270.003
put48.507.309.308.703.4020.000.00-0.944-0.1290.003
put49.007.309.809.443.50618.000.00-0.946-0.1310.003
put49.508.2010.309.943.6056.000.00-0.948-0.1330.003
put50.008.8010.309.703.13017.0012.00-0.950-0.1350.003
put51.009.6011.8010.703.8923.0013.00-0.952-0.1380.003
put52.0010.6012.8011.904.0740.001.00-0.955-0.1410.003
put53.0011.5013.8013.764.2472.000.00-0.957-0.1440.003
put54.0012.5014.8014.254.4152.002.00-0.959-0.1470.003
put55.0013.7015.8015.904.5813.000.00-0.961-0.1490.002
put56.0014.7017.1016.435.0831.001.00-0.962-0.1510.002
put57.0015.5018.3017.365.4621.001.00-0.963-0.1530.002
put58.0016.5019.3018.645.6150.000.00-0.965-0.1550.002
put59.0017.6020.2019.895.6561.000.00-0.966-0.1570.002
put60.0018.6021.2020.825.8011.000.00-0.967-0.1590.002
put61.0019.6021.8020.835.4610.0010.00-0.968-0.1610.002
put62.0020.6022.7021.765.4630.0010.00-0.968-0.1620.002
put65.0023.6026.100.006.3470.000.00-0.971-0.1670.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-06S-3ASRAutomatic shelf registration statement of securities of well-known seasoned issuersSEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-058-KCurrent report2026-11-05SEC
2026-10-158-K/A2026-07-27SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-04144Filing for proposed sale of securities under Rule 144.SEC
2026-09-044Statement of changes in beneficial ownership of securities2026-09-02SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-13144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-29SCHEDULE 13G/ASEC
2026-07-294Statement of changes in beneficial ownership of securities2026-07-27SEC
2026-07-298-KCurrent report2026-07-27SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-07-27SCHEDULE 13G/ASEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-07SEC
2026-07-084Statement of changes in beneficial ownership of securities2026-07-06SEC
2026-07-07144Filing for proposed sale of securities under Rule 144.SEC
2026-07-06144Filing for proposed sale of securities under Rule 144.SEC
2026-06-248-KCurrent report2026-06-22SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-054Statement of changes in beneficial ownership of securities2026-06-03SEC
2026-06-054Statement of changes in beneficial ownership of securities2026-06-03SEC
2026-06-054Statement of changes in beneficial ownership of securities2026-06-03SEC
2026-06-054Statement of changes in beneficial ownership of securities2026-06-03SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900329.62K4
2026-0800578.05K1
2026-07006.05M2
2026-0600466.53K4
2026-050000
2026-040000
2026-0300394.52K4
2026-020000
2026-010014.51M4
2025-12008.10M10
2025-11007.31M5

Institutional holders

Manager% owned
BlackRock, Inc.7.87%
JPMORGAN CHASE & CO7.02%
VANGUARD PORTFOLIO MANAGEMENT LLC4.09%
VANGUARD CAPITAL MANAGEMENT LLC4.00%
BAILLIE GIFFORD & CO2.94%
GOLDMAN SACHS GROUP INC2.52%
STATE STREET CORP2.30%
GEODE CAPITAL MANAGEMENT, LLC2.25%
MORGAN STANLEY1.58%
TWO SIGMA INVESTMENTS, LP1.53%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.85%
iShares Russell 2000 ETF2.40%
VANGUARD SMALL-CAP INDEX FUND2.06%
VANGUARD U.S. GROWTH FUND1.96%
VANGUARD SMALL-CAP GROWTH INDEX FUND1.19%
Fidelity Small Cap Index Fund1.02%
VANGUARD EXTENDED MARKET INDEX FUND0.98%
iShares Russell 2000 Growth ETF0.86%
JPMorgan U.S. Tech Leaders ETF0.84%
VANGUARD RUSSELL 2000 INDEX FUND0.53%

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