It’s still a bull thesis, just subverted: Lemonade Inc (LMND)

Ulysses Smith

At the time of writing, Lemonade Inc [LMND] stock is trading at $96.57, up 13.13%. Until recently, the best way to gauge how the stock has performed was to look at its short-term value. The LMND shares have gain 19.02% over the last week, with a monthly amount glided 16.90%, and seem to be holding up well over a long-time horizon.

From an analyst’s perspective:

Lemonade Inc [NYSE: LMND] stock has seen the most recent analyst activity on January 06, 2026, when Truist initiated its Buy rating and assigned the stock a price target of $98. Previously, Morgan Stanley upgraded its rating to Equal-Weight on December 16, 2025, and kept the price target unchanged to $85. On August 13, 2025, Cantor Fitzgerald initiated with an Overweight rating and assigned a price target of $60 on the stock. Morgan Stanley downgraded its rating to an Underweight but stick to its price target of $24 on April 08, 2025. Morgan Stanley upgraded its rating to a Equal-Weight and raised its price target to $42 on November 20, 2024. Keefe Bruyette downgraded its rating to Underperform for this stock on November 07, 2024, and upped its price target to $21. In a note dated January 10, 2024, TD Cowen initiated a Market Perform rating and provided a target price of $17 on this stock.

For the past year, the stock price of Lemonade Inc fluctuated between $24.31 and $88.88. Currently, Wall Street analysts expect the stock to reach $76.17 within the next 12 months. Lemonade Inc [NYSE: LMND] shares were valued at $96.57 at the most recent close of the market. An investor can expect a potential drop of -21.12% based on the average LMND price forecast.

Analyzing the LMND fundamentals

According to Lemonade Inc [NYSE:LMND], the company’s sales were 539.50M for trailing twelve months, which represents an 44.14% jump. Gross Profit Margin for this corporation currently stands at 0.43% with Operating Profit Margin at -0.27%, Pretax Profit Margin comes in at -0.27%, and Net Profit Margin reading is -0.26%. To continue investigating profitability, this company’s Return on Assets is posted at -0.09, Equity is -0.32 and Total Capital is -0.09.

Before buying any particular stock, readers tend to pay close attention to the indicators that support and create resistance.

Ratios To Look Out For

It is important to note that Lemonade Inc [NYSE:LMND] has a current ratio of 2.72. Considering the valuation of this stock, the price to sales ratio is 13.38, the price to book ratio is 13.97.

Transactions by insiders

Recent insider trading involved Daniel Schreiber, Director, that happened on Jan 22 ’26 when 0.14 million shares were purchased. Officer, Peters John Sheldon completed a deal on Jan 22 ’26 to buy 9000.0 shares. Meanwhile, Chief Insurance Officer Peters John Sheldon sold 10000.0 shares on Jan 06 ’26.

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