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Lemonade (LMND) guidance and outlook

Lemonade's 10-Q filed Nov 5, 2026 makes 22 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• Additionally, our historical results are not necessarily indicative of the results that may be expected for any period in the future.
• A brief chat with our bot, AI Maya, is all it takes to get covered with renters, homeowners, pet, car or life insurance, and we expect to offer a similar experience for other insurance products over time.
• We will repay each amount financed based on a specific percentage of premiums collected for assigned customer cohorts associated with the funded growth spend.
• Once fully repaid, we will retain all future reference premium related to each assigned customer cohort.
• Under the Agreement, subject to certain terms and conditions specified therein, at the start of each growth period, an Investment Amount of between 50% to 80% of our growth spend (the “Investment Amount”) will be advanced by GC.
• Our financial condition and results of operations have been, and will continue to be, affected by a number of factors, including the following:
• We expect that as we grow our customers, expand geographically, and launch new products, the impact of seasonal variability on our rate of growth may decrease.
• We will continue to evaluate the extent to which this may impact our business, financial condition, or results of operations.
• As a result, reinsurance does not eliminate the obligation of our insurance subsidiaries to pay all claims, and we are subject to the risk that one or more of our reinsurers will be unable or unwilling to honor its obligations, that the reinsurers will not pay in a timely fashion, or that our losses are so large that they exceed the limits inherent in our reinsurance contracts, each of which could have a material…
• Over time, we expect that net investment income will represent a more meaningful component of our results of operations.
• We plan to continue to invest in sales and marketing to attract and acquire new customers and increase our brand awareness.
• We expect that, in the long-term, our sales and marketing costs will decrease as a percentage of revenue as we continue to drive customer acquisition efficiencies and as the proportion of renewals to our total business increases.

Lemonade's latest quarter

Questions

What does Lemonade expect?

Additionally, our historical results are not necessarily indicative of the results that may be expected for any period in the future. A brief chat with our bot, AI Maya, is all it takes to get covered with renters, homeowners, pet, car or life insurance, and we expect to offer a similar experience for other insurance products over time. We will repay each amount financed based on a specific percentage of premiums collected for assigned customer cohorts associated with the funded growth spend.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.