Lemonade

2Sem.·

Successful together

#momentumstrategie

As promised, I have listed the monthly performance of the reported stocks.

I hope it will inspire you to find new companies.

And a little added value.

1 to 10

$ONDS (+2,62 %) 172,70 %. $IREN (+1,54 %) 79 %

$NB (+2,86 %) 67,48 %. $LMND (+1,66 %) 37,24 %

$BMNR (+3,74 %) 28,85 %. $UUUU (-1,04 %) 24,70 %

$NBIS (+1,25 %) 23,64 %. $GILT (+0,27 %) 22,64 %

$UNH (+0,4 %) 20,74 % $VLA (+0,91 %) 19,61 %.

$ETH (+0,89 %) 19,05 %

10 to 20

$APP (+0,96 %) 18,69 %. $RDDT (+0,65 %) 18,41 %

$MP (+1,23 %) 13,81 %. $HOT (+2,46 %) 13,37 %.

$9868 (-3,41 %) 13,18 %. $XPEV 12,87 %

$LOTB (-0,99 %) 12,78 %. $CWCO (+0 %) 11,76 %

$TUI1 (+0,17 %) 9,41 %. $AHT (+0,4 %) 7,66 %

Remainder

$PRY (+2,01 %) 7,47 %. $MU (+0,91 %) 6,82 %

$AAPL (+0,51 %) 6,87 %

1Mo·

Momentum strategy, being successful together.

Hello my dears,

What do you think of the idea that we might share our weekly winners once a week.

This way we discover all the stocks that are currently showing high momentum.

These might be suitable for a short-term trade.

But we might also discover a long-term investment.

Stocks that are just breaking out due to a story, good figures, new innovations, approvals, etc

And are perhaps not yet on the radar of the community.

What do you think of my idea?

Who's in and which day do you think makes sense?

37

25 Commentaires

TotallyLost@TotallyLost

2Sem.

Here is the whole thing through macro glasses:
1. world small cap value $AVWS +8.19%
2. world value $XDEV +5.49%
3. world small caps $WSML +5.19%
4. Japan $LCUJ +4.71%
5. emerging markets small caps $SPYX +4.06%

It can be seen that small companies outperformed large ones around August and cheaper ones outperformed expensive ones:
And cheap small companies did best. 😁

Bonus:
Gold/USD +3.49%
ETH/BTC +35%
SOL/BTC +30%

•

5

•

Afficher la réponse

1Mo·

Lemonade trades above 60$ - FOMO is slowly emerging

$ALV (+0,38 %)
$MUV2 (+0,44 %)
$ALL (+0,24 %)
$PGR (-0,08 %)
$BRO (+0,14 %)
$ZURN (+0,15 %)
$CS (-0,68 %)
$BRK.B (+0,08 %)

over 90% in the last 3 months
just under 50% in the last month

Short quota just under 30% 🫣

The market is slowly recognizing the potential, momentum continues

Currently, 98% of all onboarding and 55% of all claims processing is handled by native AI agents without human interaction

This means that scaling is possible without an increase in personnel.

This means an increase in efficiency and operational leverage.

AI-centric design also reduces costs.

The majority of costs in the insurance industry arise from claims settlement.

This is because humans used to be heavily involved in this.

As $LMND (+1,66 %) now handling this with the help of AI, their loss ratio is also falling.

Lower costs lead to lower prices.

Some of these cost savings are passed on to customers in the form of lower prices.

Currently, prices are on average 68% lower than those of the competition.

This creates a positive feedback cycle:

- Operating leverage reduces costs.

- Reduced costs increase efficiency.

- This allows $LMND (+1,66 %) charge lower prices.

- Lower prices attract more customers.

- Larger scale increases operating leverage again.

A cycle of growth 🚀

+ 1

3Mo·

Lemonade Potential 🚀- Disruption in the insurance industry ? Brief company presentation

Das Portfoliopferd@Portfoliopferd

History:

$LMND (+1,66 %) is an insurance company that was founded as a public benefit corporation and has its headquarters in New York and its European branch in Amsterdam. Lemonade has been traded as a public company on the New York Stock Exchange since July 2020.

$LMND (+1,66 %) Insurance was founded in 2015 by Daniel Schreiber and Shai Wininger with the goal of revolutionizing the insurance industry through technology. The company started by providing home insurance and relies heavily on artificial intelligence and chatbots for claims processing and customer service.

$LMND (+1,66 %) has experienced rapid expansion, including an IPO in 2020 and expansion into Germany

business model:

Lemonade, Inc. offers renters, homeowners, auto, pet and life insurance.

Current market capitalization 3 billion

The company's full-stack, artificial intelligence-powered insurance carriers in the United States and European Union replace brokers and bureaucracy with bots and machine learning. The company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, and to collect and utilize data.

Its technology includes Data Advantage,

AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper.

AI Maya, the onboarding and customer experience bot, uses natural language to assist customers in the onboarding process.

AI Jim, the claims reporting bot, receives the customer's first claim and pays the claimant or rejects the claim without human intervention.

The company offers pet insurance policies that cover diagnoses, procedures, medication, accidents or illnesses. Even the basic pet insurance covers blood tests, urinalysis, laboratory tests and CT scans.

What is the Lemonade $LMND (+1,66 %)
Giveback?

Giveback is at the heart of Lemonade. This core element of the business model enables customers to use their Lemonade insurance policies to support causes that are close to their hearts.

Since 2017, Lemonade has $LMND (+1,66 %) donated over 10 million US dollars to help build new homes, provide clean water, improve education, promote animal rights and much more.

Here's how it works:

When a customer purchases a $LMND (+1,66 %) renters, homeowners, auto or pet insurance, charges a flat fee to cover $LMND (+1,66 %) a flat fee to support and grow the business. A portion of the premiums goes towards claims settlement and the balance goes directly to one of their Giveback Partners - non-profit organizations selected by our customers.

$LMND (+1,66 %) is a non-profit corporation:

$LMND (+1,66 %) is a Public Benefit Corporation and a certified B Corp, which means they are legally committed to making a positive social impact. B Corp certification is awarded to companies that demonstrate that they balance profit and purpose while putting people and the planet at the center.

Every three years, they undergo a comprehensive assessment of their entire organization.

Number of employees: 1 258 (end of 2024)

Profitability:

$LMND (+1,66 %) Approaching a turning point, possibly offering a promising investment opportunity.

Profitability increases with size, as costs do not rise due to additional premiums, as is normally the case with conventional insurance companies.

Management expects EBITDA profitability in 2026 and net profit profitability in 2027.

They see an extremely clear path to profitability:

They also have a clear path to profitability :

- Loss ratio from 92% to 73

- Net profit margin -123% to -20.2%

- Continued increase in sales growth rates

Growth:

Growth is currently still controlled, but the real growth is yet to come, with sales growth rates continuing to rise in the last two quarters.

They have been able to achieve these growth rates without an expansive expansion (both in existing and additional potential states) of automobile insurance, which represents a huge opportunity for $LMND (+1,66 %) represents a huge opportunity.

Car insurance

$LMND (+1,66 %) currently has around 2.3 million customers who use renters, pet and other insurance products. These customers use $LMND (+1,66 %) for one reason: favorable price and convenience.

The share of car insurance is currently still very small and has a lot of room for expansion, so if we were to assume that only 30% of them become car insurance customers with an average annual turnover of USD 1,800, that would be an additional USD 1.24 billion in turnover per year ... just by cross-selling 30% (without any other new customers)

Pet insurance:

The pet insurance market was a $5 billion market in the US last year. It is expected to reach 6 billion dollars in 2025 and 15.7 billion dollars by 2030, growing by 22% annually.

$LMND (+1,66 %) - Total annual premiums recently surpassed the $1 billion mark. So if you were to capture 50% of the pet insurance market, premiums would increase eightfold in just five years (800% assuming the projected growth above)

Trupanion (green line) has a 25% market share today. $LMND (blue line) is around 5%.

However, the search trend will continue to have a positive effect for $LMND (+1,66 %) especially as it is only just beginning to expand further into all states. (This also applies to the other insurance segments)

Opportunities/long-term potential:

I think the future possibilities and opportunities for $LMND (+1,66 %) a supposedly boring industry are enormous.

The insurance market has one of the largest TAMs of all.

The global insurance market was worth around USD 8 trillion in 2024. The USA and China are the largest insurance markets worldwide, with the USA leading the way with a market share of around 45% and China with around 10%.

Slight international expansion (online)
Product expansion (additional lines)
Enormous cross-selling potential
Decreasing dependence on reinsurance
Simple and fast premium calculation, conclusion and claims settlement (through AI)
Already tested/calculated in-house: https://www.lemonade.com
10-fold sales opportunity

$ALV (+0,38 %)
$MUV2 (+0,44 %) , $HNR1 (+0,53 %) , $PGR (-0,08 %) , $GEC , $ALL (+0,24 %) , $AIG (+0,23 %) , $UNH (+0,4 %) , $CVS (-0,06 %) , $UQA (+0 %) , $G (-0,29 %) , $VIG (-0,06 %)

+ 3

20

13 Commentaires

1Mo

https://www.secform4.com/insider-trading/1691421.htm

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1

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Voir toutes les 4 autres réponses

Zottel

@Zottel4Profit

1Mo·

First tranche....

Thanks to the super well-founded company presentation by @BamBamInvest I decided today to invest my first tranche in $LMND (+1,66 %) (even though the share price is super high at the moment).....

I think the company is great 🙂

13.08

Lemonade

Acheté à 50,00 €

13

4 Commentaires

Eric@Weisswurstsepp

1Mo

Also bought the first tranche yesterday as a start for the savings plan. The company and the company analysis are promising 😌. As a long position is planned, I am positive 👍🏼

•

1

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John

@Doe

1Mo·

Cathie Woods ARK ETFs make large purchases at The Trade Desk and sell block position

Cathie Wood's ARK ETFs once again saw significant transactions on Tuesday, August 12, 2025, with a focus on technology and biotech stocks. The largest transaction of the day was the purchase of 738,367 shares of The Trade Desk Inc ( $TTD (+0,99 %) ) with a total value of $39,266,357. This move underscores ARK's continued confidence in the digital advertising platform, where the fund had already significantly increased its positions in recent days.

Another notable transaction involved Block Inc ( $SQ (+0,56 %) ), formerly known as Square. Here ARK sold 215,543 shares, representing a sizable value of $15,741,105. This sale represents one of the larger divestitures of the day and could indicate a strategic realignment of ARK's position towards the financial services and digital payments company.

ARK also made a significant purchase of 643,406 shares of Pinterest Inc ( $PINS ) worth $21,998,051. The social media company has repeatedly been in ARK's focus in the past, as evidenced by the continuous purchases over the past week. This trend points to a bullish assessment of Pinterest's growth prospects on the part of ARK.

In the biotech sector, ARK's ARK ETF purchased 128,896 shares of CRISPR Therapeutics AG ( $CRSP (+2,69 %) ) for a total value of $714,567, continuing its investment in the gene-editing company. On the flip side, various ARK ETFs divested shares of DraftKings Inc ( $DKNG (+0,58 %) ), Guardant Health Inc ( $GH (+0,86 %) ), Robinhood Markets Inc ($HOOD (+1,14 %) ), Palantir Technologies Inc ($PLTR (+1,77 %) ), Roblox Corp ( $RBLX ) and Shopify Inc ($SHOP (+0,98 %) ). The largest sell-off was DraftKings, with 221,203 shares worth $9,452,004 sold.

Other notable buys included Exact Sciences Corp ( $EXAS (+0,57 %) ) and Personalis Inc ( $PSNL (+0,62 %) ). ARK bought 93,753 and 134,035 shares worth $3,835,435 and $603,157 respectively. The continued purchases in these stocks could indicate a focused strategy targeting innovative healthcare companies.

Smaller transactions were also part of the day's activity. ARK bought shares in Compass Pathways PLC ( $CMPS (+0,47 %) ) and 10X Genomics Inc ( $TXG (+1,15 %) ). Despite the smaller dollar amounts, these purchases could be part of a long-term strategy that focuses on up-and-coming companies in the respective sectors.

Some of dear Cathie's transactions don't need to be understood but well, the young lady's returns speak for themselves.

$ARKK (+1,45 %) and $ARKF (+0,65 %) over 70% return since 365 days, I can only shine with +27% with my portfolio.

I will remain invested in $TTD (+0,99 %) My current portfolio has a lot of risk, as I have generated some cash.

At the moment I'm considering whether I should possibly $HMWO (+0,34 %) and $EQQQ (+0,71 %) or just the $VUSA (+0,34 %) into the portfolio.

Temporarily sold $AMD (+1,23 %) +35%, $HIMS (+1,33 %) +15%, $DOCN (+1,17 %) +9%.

I would re-enter Hims and AMD at certain prices and possibly add other companies to the portfolio if they fit my selection.

My positions:

On the watchlist

10

5 Commentaires

Iwas M.@SSIT

1Mo

Well done, Ms. Holz.

•

2

•

1Mo·

Tenant insurance extended to North Carolina Rapid product expansion continues across the Lemonade range 🚀

https://youtu.be/_J9twfntj1I?si=oITUH5-J6dH0moRw

www.youtube.comLemonade Renters Insurance - Live in North Carolina

3Mo·

Lemonade Potential 🚀- Disruption in the insurance industry ? Brief company presentation

Voir toutes les 2 autres réponses

History:

$LMND (+1,66 %) is an insurance company that was founded as a public benefit corporation and has its headquarters in New York and its European branch in Amsterdam. Lemonade has been traded as a public company on the New York Stock Exchange since July 2020.

$LMND (+1,66 %) Insurance was founded in 2015 by Daniel Schreiber and Shai Wininger with the goal of revolutionizing the insurance industry through technology. The company started by providing home insurance and relies heavily on artificial intelligence and chatbots for claims processing and customer service.

$LMND (+1,66 %) has experienced rapid expansion, including an IPO in 2020 and expansion into Germany

business model:

Lemonade, Inc. offers renters, homeowners, auto, pet and life insurance.

Current market capitalization 3 billion

The company's full-stack, artificial intelligence-powered insurance carriers in the United States and European Union replace brokers and bureaucracy with bots and machine learning. The company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, and to collect and utilize data.

Its technology includes Data Advantage,

AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper.

AI Maya, the onboarding and customer experience bot, uses natural language to assist customers in the onboarding process.

AI Jim, the claims reporting bot, receives the customer's first claim and pays the claimant or rejects the claim without human intervention.

The company offers pet insurance policies that cover diagnoses, procedures, medication, accidents or illnesses. Even the basic pet insurance covers blood tests, urinalysis, laboratory tests and CT scans.

What is the Lemonade $LMND (+1,66 %)
Giveback?

Giveback is at the heart of Lemonade. This core element of the business model enables customers to use their Lemonade insurance policies to support causes that are close to their hearts.

Since 2017, Lemonade has $LMND (+1,66 %) donated over 10 million US dollars to help build new homes, provide clean water, improve education, promote animal rights and much more.

Here's how it works:

When a customer purchases a $LMND (+1,66 %) renters, homeowners, auto or pet insurance, charges a flat fee to cover $LMND (+1,66 %) a flat fee to support and grow the business. A portion of the premiums goes towards claims settlement and the balance goes directly to one of their Giveback Partners - non-profit organizations selected by our customers.

$LMND (+1,66 %) is a non-profit corporation:

$LMND (+1,66 %) is a Public Benefit Corporation and a certified B Corp, which means they are legally committed to making a positive social impact. B Corp certification is awarded to companies that demonstrate that they balance profit and purpose while putting people and the planet at the center.

Every three years, they undergo a comprehensive assessment of their entire organization.

Number of employees: 1 258 (end of 2024)

Profitability:

$LMND (+1,66 %) Approaching a turning point, possibly offering a promising investment opportunity.

Profitability increases with size, as costs do not rise due to additional premiums, as is normally the case with conventional insurance companies.

Management expects EBITDA profitability in 2026 and net profit profitability in 2027.

They see an extremely clear path to profitability:

They also have a clear path to profitability :

- Loss ratio from 92% to 73

- Net profit margin -123% to -20.2%

- Continued increase in sales growth rates

Growth:

Growth is currently still controlled, but the real growth is yet to come, with sales growth rates continuing to rise in the last two quarters.

They have been able to achieve these growth rates without an expansive expansion (both in existing and additional potential states) of automobile insurance, which represents a huge opportunity for $LMND (+1,66 %) represents a huge opportunity.

Car insurance

$LMND (+1,66 %) currently has around 2.3 million customers who use renters, pet and other insurance products. These customers use $LMND (+1,66 %) for one reason: favorable price and convenience.

The share of car insurance is currently still very small and has a lot of room for expansion, so if we were to assume that only 30% of them become car insurance customers with an average annual turnover of USD 1,800, that would be an additional USD 1.24 billion in turnover per year ... just by cross-selling 30% (without any other new customers)

Pet insurance:

The pet insurance market was a $5 billion market in the US last year. It is expected to reach 6 billion dollars in 2025 and 15.7 billion dollars by 2030, growing by 22% annually.

$LMND (+1,66 %) - Total annual premiums recently surpassed the $1 billion mark. So if you were to capture 50% of the pet insurance market, premiums would increase eightfold in just five years (800% assuming the projected growth above)

Trupanion (green line) has a 25% market share today. $LMND (blue line) is around 5%.

However, the search trend will continue to have a positive effect for $LMND (+1,66 %) especially as it is only just beginning to expand further into all states. (This also applies to the other insurance segments)

Opportunities/long-term potential:

I think the future possibilities and opportunities for $LMND (+1,66 %) a supposedly boring industry are enormous.

The insurance market has one of the largest TAMs of all.

The global insurance market was worth around USD 8 trillion in 2024. The USA and China are the largest insurance markets worldwide, with the USA leading the way with a market share of around 45% and China with around 10%.

Slight international expansion (online)
Product expansion (additional lines)
Enormous cross-selling potential
Decreasing dependence on reinsurance
Simple and fast premium calculation, conclusion and claims settlement (through AI)
Already tested/calculated in-house: https://www.lemonade.com
10-fold sales opportunity

$ALV (+0,38 %)
$MUV2 (+0,44 %) , $HNR1 (+0,53 %) , $PGR (-0,08 %) , $GEC , $ALL (+0,24 %) , $AIG (+0,23 %) , $UNH (+0,4 %) , $CVS (-0,06 %) , $UQA (+0 %) , $G (-0,29 %) , $VIG (-0,06 %)

+ 3

10

3 Commentaires

Kai@Kai16081989

1Mo

Awesome, it's almost going up too fast for me again😂😅

•

1

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$MP (+1,23 %)
$NBIS (+1,25 %)
$LMND (+1,66 %)
$AAPL (+0,51 %)
$BMNR (+3,74 %)

1Mo·

Successful together

#momentum Strategy week 33

Hello my dears,

stocks mentioned so far were

$ELF (+1,19 %)
$9868 (-3,41 %)
$XPEV (-2,87 %)
$UCG (-1,48 %)
$PRY (+2,01 %)

$G1A (+1,63 %)
$LOTB (-0,99 %) +10% $UFPT (+0,17 %) +9,34%. $AHT (+0,4 %) 7,15%. $UNH (+0,4 %) 20,26%

$ETH (+0,89 %)
$NB (+2,86 %)
$VLA (+0,91 %)

$HOT (+2,46 %) +13%. $CWCO (+0 %) +14%

$ALV (+0,38 %) +6,4 %. $MAIN (+0,24 %) +5,3%. $TUI1 (+0,17 %) +18,3%

$RDDT . $GUBRA (+4 %)
$ONDS (+2,62 %)
$IREN (+1,54 %)

My shares would be

$MU (+0,91 %) +17%. $GILT (+0,27 %) +20%. $APP (+0,96 %) +17%

The shares are for identification purposes only.

And does not constitute a buy recommendation.

An analysis and evaluation of the multiples should definitely be carried out here.

You are also welcome to share your results with us.

I look forward to hearing more about your performers.

Voir toutes les 3 autres réponses

1Mo·

Momentum strategy, being successful together.

Hello my dears,

What do you think of the idea that we might share our weekly winners once a week.

This way we discover all the stocks that are currently showing high momentum.

These might be suitable for a short-term trade.

But we might also discover a long-term investment.

Stocks that are just breaking out due to a story, good figures, new innovations, approvals, etc

And are perhaps not yet on the radar of the community.

What do you think of my idea?

Who's in and which day do you think makes sense?

19

25 Commentaires

TheMaverick@TheMaverick

1Mo

I use this strategy in a passive way with the ETF "iShares Edge MSCI World Momentum Factor"

•

3

•

1Mo·

Lemonade launches buildings insurance in the UK

https://www.reinsurancene.ws/lemonade-introduces-standalone-buildings-insurance-for-uk-homeowners/

$LMND (+1,66 %) introduced an independent buildings insurance policy in the UK this week.

Lemonade EU is growing by around 200% year-on-year and customer acquisition costs are less than half those in the US.

"We are delighted to complete our product offering for homeowners in the UK," said Sarvesh Ramachandran, Head of Lemonade UK. "Lemonade has quickly become the preferred choice for the next generation of UK insurance buyers."

$LMND (+1,66 %) :

- 7 consecutive quarters of sales growth

- 7 consecutive quarters with improvements in the claims ratio

- No increase in fixed costs

- Car scales quickly

- Rapid international scaling

- EBITDA profitable next year

🚀

$BRO (+0,14 %)
$PGR (-0,08 %)
$ALV (+0,38 %)
$MUV2 (+0,44 %)
$CS (-0,68 %)
$HNR1 (+0,53 %)
$ALL (+0,24 %)

3Mo·

Lemonade Potential 🚀- Disruption in the insurance industry ? Brief company presentation

Voir toutes les 3 autres réponses

History:

$LMND (+1,66 %) is an insurance company that was founded as a public benefit corporation and has its headquarters in New York and its European branch in Amsterdam. Lemonade has been traded as a public company on the New York Stock Exchange since July 2020.

$LMND (+1,66 %) Insurance was founded in 2015 by Daniel Schreiber and Shai Wininger with the goal of revolutionizing the insurance industry through technology. The company started by providing home insurance and relies heavily on artificial intelligence and chatbots for claims processing and customer service.

$LMND (+1,66 %) has experienced rapid expansion, including an IPO in 2020 and expansion into Germany

business model:

Lemonade, Inc. offers renters, homeowners, auto, pet and life insurance.

Current market capitalization 3 billion

The company's full-stack, artificial intelligence-powered insurance carriers in the United States and European Union replace brokers and bureaucracy with bots and machine learning. The company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, and to collect and utilize data.

Its technology includes Data Advantage,

AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper.

AI Maya, the onboarding and customer experience bot, uses natural language to assist customers in the onboarding process.

AI Jim, the claims reporting bot, receives the customer's first claim and pays the claimant or rejects the claim without human intervention.

The company offers pet insurance policies that cover diagnoses, procedures, medication, accidents or illnesses. Even the basic pet insurance covers blood tests, urinalysis, laboratory tests and CT scans.

What is the Lemonade $LMND (+1,66 %)
Giveback?

Giveback is at the heart of Lemonade. This core element of the business model enables customers to use their Lemonade insurance policies to support causes that are close to their hearts.

Since 2017, Lemonade has $LMND (+1,66 %) donated over 10 million US dollars to help build new homes, provide clean water, improve education, promote animal rights and much more.

Here's how it works:

When a customer purchases a $LMND (+1,66 %) renters, homeowners, auto or pet insurance, charges a flat fee to cover $LMND (+1,66 %) a flat fee to support and grow the business. A portion of the premiums goes towards claims settlement and the balance goes directly to one of their Giveback Partners - non-profit organizations selected by our customers.

$LMND (+1,66 %) is a non-profit corporation:

$LMND (+1,66 %) is a Public Benefit Corporation and a certified B Corp, which means they are legally committed to making a positive social impact. B Corp certification is awarded to companies that demonstrate that they balance profit and purpose while putting people and the planet at the center.

Every three years, they undergo a comprehensive assessment of their entire organization.

Number of employees: 1 258 (end of 2024)

Profitability:

$LMND (+1,66 %) Approaching a turning point, possibly offering a promising investment opportunity.

Profitability increases with size, as costs do not rise due to additional premiums, as is normally the case with conventional insurance companies.

Management expects EBITDA profitability in 2026 and net profit profitability in 2027.

They see an extremely clear path to profitability:

They also have a clear path to profitability :

- Loss ratio from 92% to 73

- Net profit margin -123% to -20.2%

- Continued increase in sales growth rates

Growth:

Growth is currently still controlled, but the real growth is yet to come, with sales growth rates continuing to rise in the last two quarters.

They have been able to achieve these growth rates without an expansive expansion (both in existing and additional potential states) of automobile insurance, which represents a huge opportunity for $LMND (+1,66 %) represents a huge opportunity.

Car insurance

$LMND (+1,66 %) currently has around 2.3 million customers who use renters, pet and other insurance products. These customers use $LMND (+1,66 %) for one reason: favorable price and convenience.

The share of car insurance is currently still very small and has a lot of room for expansion, so if we were to assume that only 30% of them become car insurance customers with an average annual turnover of USD 1,800, that would be an additional USD 1.24 billion in turnover per year ... just by cross-selling 30% (without any other new customers)

Pet insurance:

The pet insurance market was a $5 billion market in the US last year. It is expected to reach 6 billion dollars in 2025 and 15.7 billion dollars by 2030, growing by 22% annually.

$LMND (+1,66 %) - Total annual premiums recently surpassed the $1 billion mark. So if you were to capture 50% of the pet insurance market, premiums would increase eightfold in just five years (800% assuming the projected growth above)

Trupanion (green line) has a 25% market share today. $LMND (blue line) is around 5%.

However, the search trend will continue to have a positive effect for $LMND (+1,66 %) especially as it is only just beginning to expand further into all states. (This also applies to the other insurance segments)

Opportunities/long-term potential:

I think the future possibilities and opportunities for $LMND (+1,66 %) a supposedly boring industry are enormous.

The insurance market has one of the largest TAMs of all.

The global insurance market was worth around USD 8 trillion in 2024. The USA and China are the largest insurance markets worldwide, with the USA leading the way with a market share of around 45% and China with around 10%.

Slight international expansion (online)
Product expansion (additional lines)
Enormous cross-selling potential
Decreasing dependence on reinsurance
Simple and fast premium calculation, conclusion and claims settlement (through AI)
Already tested/calculated in-house: https://www.lemonade.com
10-fold sales opportunity

$ALV (+0,38 %)
$MUV2 (+0,44 %) , $HNR1 (+0,53 %) , $PGR (-0,08 %) , $GEC , $ALL (+0,24 %) , $AIG (+0,23 %) , $UNH (+0,4 %) , $CVS (-0,06 %) , $UQA (+0 %) , $G (-0,29 %) , $VIG (-0,06 %)

+ 3

26

10 Commentaires

Johannes@Johannes1993

1Mo

Mega, thanks to you I became aware of it 💪👌currently +22%

•

3

•

1Mo·

OPEX continues to fall 🚀

$PGR (-0,08 %)
$BRO (+0,14 %)
$ALV (+0,38 %)
$MUV2 (+0,44 %)
$ALL (+0,24 %)
$UNH (+0,4 %)
$HNR1 (+0,53 %)
$BRK.B (+0,08 %)
$ZURN (+0,15 %)
$CS (-0,68 %)

One of the most impressive key figures when you have growth of 80 % (800,000 customers)

while operating costs continue to fall.

This shows very nicely how AI and automation can have an impact on a company/business model that has been built and trained from the ground up with artificial intelligence.

There are hardly any other companies where the number of employees remains almost the same or the number of employees is likely to have decreased between 2022 and 2025, but the company continues to grow strongly.

Employees 2022: approx. 1367

Employees 2025 approx. 1235

(According to my internet research)

1Mo·

Lemonade Q2'25 result highlights 🚀👌