Last 31 quarters of trend data · Financial Services · Property & Casualty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -21.21 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 2.83 | 2.60 | 4.57 | 5.10 | 5.60 | 5.10 | 4.90 | 3.79 | 4.38 | 2.15 | 2.39 | 2.42 | 2.44 | 1.77 | 2.80 | 2.60 | 2.51 | 4.79 | 5.64 | 9.18 | 15.84 |
| — | -49.0% | -6.8% | +34.6% | +28.0% | +137.8% | +105.0% | +56.5% | +79.1% | +21.3% | -14.6% | -6.8% | -2.7% | -63.0% | -50.4% | -71.7% | -84.1% | -83.4% | -90.5% | -84.6% | -81.1% | |
| P/B Ratio | 5.32 | 7.42 | 10.03 | 9.23 | 9.58 | 7.69 | 6.10 | 4.20 | 4.39 | 1.98 | 1.84 | 1.71 | 1.59 | 1.12 | 1.52 | 1.20 | 1.02 | 1.56 | 1.33 | 1.78 | 2.63 |
| — | -3.6% | +64.3% | +119.8% | +118.2% | +288.9% | +232.2% | +146.4% | +175.6% | +77.4% | +20.9% | +41.7% | +55.5% | -28.6% | +14.3% | -32.5% | -61.0% | -60.3% | -78.2% | -63.6% | -79.5% | |
| P/FCF | 410.58 | 460.58 | — | — | 72.61 | 381.89 | 236.55 | — | 61.44 | 20.80 | — | — | — | — | — | — | — | — | — | — | — |
| — | +20.6% | — | — | +18.2% | +1736.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.3% | 44.2% | 43.8% | 43.1% | 63.0% | 41.5% | 39.7% | 26.3% | 64.3% | 28.5% | 26.8% | 30.1% | 49.2% | 20.5% | 13.1% | 18.9% | 34.8% | 11.6% | 24.4% | 24.4% | 43.4% |
| — | +6.5% | +10.2% | +64.3% | -2.1% | +45.9% | +48.2% | -12.9% | +30.8% | +38.8% | +104.6% | +59.4% | +41.1% | +76.6% | -46.3% | -22.4% | -19.7% | -65.1% | -31.2% | +160.4% | +15.2% | |
| Operating Margin | -21.8% | -12.9% | -15.3% | -14.8% | -9.0% | -18.7% | -26.0% | -40.6% | -25.4% | -48.2% | -45.2% | -38.0% | -34.3% | -52.1% | -63.0% | -68.0% | -77.0% | -120.4% | -130.0% | -163.9% | -166.8% |
| — | +31.1% | +41.2% | +63.7% | +64.4% | +61.3% | +42.5% | -7.0% | +25.9% | +7.5% | +28.3% | +44.2% | +55.5% | +56.8% | +51.5% | +58.5% | +53.8% | +33.0% | +30.7% | +19.9% | -4.0% | |
| Net Margin | -22.4% | -13.0% | -15.8% | -15.3% | -9.5% | -19.3% | -26.8% | -41.3% | -20.2% | -49.6% | -46.9% | -39.7% | -36.7% | -53.7% | -64.2% | -69.1% | -72.1% | -123.5% | -135.8% | -168.8% | -171.5% |
| — | +32.6% | +40.8% | +63.0% | +52.8% | +61.1% | +42.9% | -3.9% | +45.1% | +7.7% | +27.0% | +42.5% | +49.1% | +56.5% | +52.7% | +59.1% | +58.0% | +33.6% | +31.1% | +19.0% | -4.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -29.4% | -9.0% | -8.5% | -6.8% | -4.1% | -7.2% | -8.2% | -11.0% | -5.1% | -11.0% | -8.7% | -6.8% | -5.9% | -8.2% | -8.4% | -7.8% | -7.2% | -10.4% | -7.7% | -7.9% | -6.9% |
| — | -25.2% | -4.2% | +37.9% | +18.3% | +34.8% | +6.2% | -60.5% | +14.4% | -34.3% | -3.4% | +12.4% | +17.8% | +21.1% | -9.5% | +1.0% | -4.0% | -68.5% | -55.6% | -35.3% | -13.0% | |
| ROA | -8.8% | -2.1% | -2.2% | -1.8% | -1.1% | -1.9% | -2.3% | -3.4% | -1.6% | -3.8% | -3.4% | -2.9% | -2.6% | -3.8% | -4.1% | -3.9% | -3.7% | -5.8% | -4.6% | -5.0% | -4.6% |
| — | -9.5% | +5.6% | +45.3% | +30.9% | +49.2% | +32.0% | -16.8% | +36.8% | -1.5% | +17.6% | +27.0% | +30.9% | +34.5% | +10.1% | +20.6% | +19.3% | -30.5% | -22.5% | -17.1% | -13.5% | |
| ROIC | -36.8% | -15.3% | -9.2% | -7.7% | -4.7% | -8.8% | -9.8% | -13.5% | -8.4% | -13.9% | -10.2% | -7.2% | -5.8% | -7.8% | -8.1% | -7.9% | -7.6% | -9.6% | -7.1% | -7.6% | -7.0% |
| — | -72.3% | +6.1% | +42.8% | +43.5% | +36.2% | +4.0% | -86.4% | -43.9% | -78.0% | -25.7% | +8.9% | +23.6% | +18.8% | -14.2% | -4.9% | -9.0% | +26.5% | +98.4% | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.34 | — | 0.41 | 0.39 | 0.34 | 0.29 | 0.27 | 0.23 | 0.18 | 0.15 | 0.11 | 0.08 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.02 |
| — | — | +51.6% | +70.6% | +88.9% | +96.2% | +157.3% | +183.0% | +197.1% | +191.0% | +157.7% | +96.0% | +49.7% | +27.5% | +59.4% | +55.5% | +80.0% | — | — | — | — | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 1.52 | — | 0.68 | 1.06 | 1.52 | 1.09 | 1.17 | 1.19 | 1.53 | 1.17 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | -42.4% | -11.3% | -0.7% | -6.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.52 | — | 0.68 | 1.06 | 1.52 | 1.09 | 1.17 | 1.19 | 1.53 | 1.17 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | -42.4% | -11.3% | -0.7% | -6.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | — | -4.33 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 31 years · Updated daily
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Quick answers to the most common questions about buying LMND stock.
Lemonade, Inc.'s current P/E is -21.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Lemonade, Inc.'s current operating margin is -21.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Lemonade, Inc.'s business trajectory between earnings reports.