LMND NYSE Week ended 31 Jul 2026

Weekly Investor Report

Lemonade Inc · Financial Services · Insurance - Property & Casualty

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Latest close 48.31 USD
-19.7% latest week
Weekly setup

Weak trend

The weekly trend is not active. Price is -23.5% below the Trend Line and sits at 19.1% of its 52-week range. The latest completed week returned -19.7%, after a -32.5% four-week move. The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks strongly; valuation is expensive relative to peers. Options positioning is bullish with 36/100 conviction, while the latest news-sentiment score is 53/100. Near-term considerations: earnings are due in 2d.

Setup score 35 out of 100
Latest Close 48.31 USD 31 Jul 2026
1W Return -19.7% latest completed week
4W Return -32.5% short-term follow-through
12W Return -12.2% quarterly tape
Trend Breadth 55.8% 29 of 52 weeks active
Volume Ratio 1.9x vs 13-week average
What is working
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
  • Volume is elevated versus the 13-week average, confirming attention.
  • Next-week expectancy is positive at 55.03% based on similar historical setup states.
What could go wrong
  • The trend backdrop is inactive, so price action has not confirmed a constructive regime.
  • Price is below the Trend Line, which keeps downside pressure in focus.
  • Activity pressure is weak, so confirmation is not yet broad enough.
  • The share remains more than 20% below its 52-week high.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through -19.7% Latest completed week; four-week move -32.5%. Indicator stack 31/63 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Positive 55.03% Historical one-week expectancy contributes to the evidence score when direction is confirmed. Options pressure Bullish 36/100 conviction; expected move 19.3%. News sentiment 53/100 61 relevant articles in the latest sentiment read. Event risk 2d Next report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is not active. Price is -23.5% below the Trend Line and sits at 19.1% of its 52-week range. The latest completed week returned -19.7%, after a -32.5% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.9x the 13-week average. Participation is unusually strong and confirms that the move is attracting attention.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.2012-week average 0.13

12-week confirmation

Trend active0/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure5/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership2/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.20Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers

No recent accumulation markers. No reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -32.5% over four weeks, -12.2% over 12 weeks, and 32.7% over one year. The current trend has remained active for 0 consecutive weeks.

Performance by holding period

1W-19.7%
4W-32.5%
12W-12.2%
26W-44.3%
52W32.7%
Active trend streak0 weeks
Active weeks in one year29
Trend breadth55.8%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.30Latest activity-pressure read.
Pressure change90.8%Four-week change in activity pressure.
Leadership-29.47Latest relative-leadership reading.
RS change-556.5%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks strongly; valuation is expensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 85% Model confidence 81%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength15/100Blend of value, momentum, and quality. Underlying universe rank 86; rank 1 is best.
Value11/100Relative valuation strength. Underlying universe rank 90; rank 1 is best.
Quality20/100Profitability and accounting quality. Underlying universe rank 81; rank 1 is best.
Momentum86/100Medium-term price momentum. Underlying universe rank 15; rank 1 is best.
Growth85/100Revenue and earnings growth. Underlying universe rank 16; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
-
Price divided by trailing earnings.
Price / sales
5.6x
Market value relative to trailing revenue.
EV / EBITDA
-
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
0.9%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
47.6%
Gross profit retained from each unit of revenue.
Operating margin
-16.3%
Operating profit retained from revenue.
Free-cash-flow margin
5.0%
Free cash flow generated from revenue.
Return on invested capital
-29.2%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
47.0%
Latest one-year revenue growth.
EPS growth
-
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
4/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
-0.8%
Net share repurchases relative to market value.
Shareholder yield
-0.8%
Dividend yield plus net buyback yield.
Net debt / EBITDA
1.4x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningBullish

LMND shows bullish options pressure with a 36/100 conviction score, put-call volume ratio of 0.59, expected move of 19.3%, and Sharemaestro trend signal inactive.

Conviction36/100
Expected move19.3%
Put/call volume0.59
Pressure30
Speculation41
Volatility63
Trend agreement29
Open options detail
Insider activity5 / 7

5 acquisitions and 7 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment53/100

Weighted news tone is neutral across 61 relevant articles.

16 positive · 38 neutral · 7 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings2dNext report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
Options expected move19.3%Nearest-chain priced movement where available.
52-week drawdown-51.6%Distance below the 52-week high.
13-week volatility10.4%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher11 of 2615 weeks finished lower.
Best week+30.3%Week of 17 Apr.
Worst week-19.7%Week of 31 Jul.
Latest week-19.7%Week of 31 Jul.

Shape of recent returns

Strong gains6
Modest gains5
Flat weeks0
Modest losses2
Sharp losses13
Recent vol10.4%13-week weekly-return volatility.
Base vol12.1%52-week weekly-return volatility.
Up/down split26/26Count of positive and negative weeks in the 52-week window.
Average skew10.6% / -8.2%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape39/100

Trend, activity pressure, participation, and risk combine to a 39/100 tape read.

 Indicator analysis24/100

Latest 12-week confirmation: trend 0/12, activity pressure 5/12, relative leadership 2/12.

Activity pressure 0.20; No reversal markers Next-Week ExpectancyPositive 55.03%

Next-week expectancy is positive with a 55.03% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors30/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 76; Small Cap Core rank 95 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options48/100

LMND shows bullish options pressure with a 36/100 conviction score, put-call volume ratio of 0.59, expected move of 19.3%, and Sharemaestro trend signal inactive.

Bullish · Call-side pressure · Expected move 19.3% Sentiment53/100

Weighted news tone is neutral across 61 relevant articles.

Lemonade's Full-Year In-Force Premium Outlook Misses Expectations. Is the Growth Story Slowing or Just Repricing? Insiders5 / 7

5 acquisitions and 7 disposals in the latest 180-day insider tape.

 Earnings2d

Next report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202648.31 USD-19.7%63.19 USD36.92 USD0.30-29.4714.6MOff
24 Jul 202660.14 USD-10.5%64.11 USD36.72 USD0.56-11.144.8MOff
17 Jul 202667.18 USD-4.7%64.60 USD36.48 USD0.61-0.946.2MOff
10 Jul 202670.51 USD-1.4%65.11 USD36.20 USD0.392.858.4MOff
3 Jul 202671.52 USD21.5%65.36 USD35.86 USD0.166.466.8MOff
26 Jun 202658.86 USD0.0%65.60 USD35.51 USD-0.15-9.977.6MOff
19 Jun 202658.84 USD2.3%66.25 USD35.24 USD-0.22-11.924.9MOff
12 Jun 202657.49 USD11.7%66.53 USD34.97 USD-0.30-13.078.9MOff
5 Jun 202651.46 USD-11.3%66.96 USD34.73 USD-0.56-21.607.9MOff
29 May 202658.00 USD2.6%67.75 USD34.53 USD-0.68-13.805.5MOff
22 May 202656.52 USD10.1%67.82 USD34.27 USD-0.80-14.426.4MOff
15 May 202651.35 USD-6.7%67.67 USD34.01 USD-0.82-21.207.0MOff
8 May 202655.01 USD-2.9%67.56 USD33.78 USD-0.70-15.149.7MOff
1 May 202656.66 USD-13.8%67.33 USD33.53 USD-0.75-10.1712.3MOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.