For the quarter ended June 2024, Lemonade (LMND) reported revenue of $122 million, up 16.6% over the same period last year. EPS came in at -$0.81, compared to -$0.97 in the year-ago quarter.The reported revenue represents a surprise of -0.37% over the Zacks Consensus Estimate of $122.46 million. With the consensus EPS estimate being -$0.85, the EPS surprise was +4.71%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their ...

Lemonade (LMND) came out with a quarterly loss of $0.81 per share versus the Zacks Consensus Estimate of a loss of $0.85. This compares to loss of $0.97 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 4.71%. A quarter ago, it was expected that this company would post a loss of $0.81 per share when it actually produced a loss of $0.67, delivering a surprise of 17.28%.Over the last four quarters, the company has surpassed consen ...

Lemonade财务表现 - 2024年第二季度，Lemonade的在力保费增长了22%，达到了8.38亿美元[2] - 在过去一年中，毛损失率提高了15个百分点，达到了79%[6] - 毛利润同比增长了155%，毛利率同比翻倍至25%[8] - 调整后的EBITDA亏损同比改善了18%，达到了4300万美元[10] - Lemonade在2024年第二季度实现了净现金流为正，预计除了第四季度外，将继续保持净现金流为正[11] - 公司预计2024财年各项指标将符合之前的指引[50] - 第三季度2024，预计在力保费将达到8.75-8.79亿美元，毛赚保费将达到2.08-2.10亿美元，营收将达到1.24-1.26亿美元[52] - 全年2024，预计在力保费将达到9.40-9.44亿美元，毛赚保费将达到8.18-8.22亿美元，营收将达到5.11-5.15亿美元[53] 财务指标 - 调整后的EBITDA是一项非GAAP财务指标，用于衡量公司的核心运营绩效[56] - 调整后的毛利润是一项非GAAP财务指标，用于评估公司朝着盈利能力的进展[57] - 调整后的毛利润与总赚取保费的比率是衡量公司盈利趋势的关键指标[59] 绩效指标 - 客户数量、保费、年度保留率、总赚取保费、毛损失比率等是关键绩效指标[63] - 客户是指公司在期末日期承保的当前保单持有人数量[64] - 在力保保费是指截至期末日期客户的年化保费总和[65] - 平均每客户保费是指客户为公司产品支付的年化平均保费[66] - 年度保留率是指在12个月内保留的力保保费的百分比[68] - 总赚取保费是公司毛保费的已赚部分[69] - 毛损失比率是损失和损失调整费用与总赚取保费的比率[70] 公司财务状况 - 2024年第二季度，公司总收入为122.0亿美元，较2023年同期增长了16%[89] - 净亏损为1.04亿美元，较去年同期减少了3%[89] - 股东权益总额为63.52亿美元，较去年同期增长了6%[91] - 调整后的毛利为37.0亿美元，毛利率为29%，较去年同期提高了2个百分点[95] - 调整后的毛利率为16%，较去年同期提高了4个百分点[95] - 调整后的毛利与总保费的比率为17%，较去年同期提高了7个百分点[96] - 调整后的EBITDA为43.0亿美元，较去年同期增长33%[98] - 股权激励支出为15.4亿美元，较去年同期增长了3%[100] - 2024年第二季度，公司总保费为199.9亿美元，较去年同期增长了22%[113] - 第二季度总毛利润为30.8亿美元，同比增长7%[126] - 调整后的总毛利润为33.4亿美元，同比下降5%[130] - 第二季度净亏损为57.2亿美元，同比增长1%[140] - 第二季度总现金及投资为945亿美元[144] - 第三季度指导中，预计在力保费方面将达到875亿美元[149]

文章核心观点 - Lemonade是一家提供AI驱动在线保险服务的公司,在2018年IPO后股价一度飙升,但随后增长放缓、持续亏损,加上利率上升导致估值泡沫破裂,股价大跌[2][3] - 公司依靠AI聊天机器人来吸引年轻客户,但过去三年客户增长、保费收入增长和毛利率都出现下滑,规模仍然很小,很难扭亏为盈[6][7] - 公司预计2024年收入只增长20%,调整后EBITDA亏损将从2023年的1.78亿美元收窄至1.51-1.55亿美元,净亏损也将从2.37亿美元收窄至2.09亿美元[9] 公司情况总结 - 公司在2018年IPO,最高股价曾达183.26美元,但目前股价仅约22美元[2] - 公司主要提供家庭主人、租户、寿险、宠物保险等产品,并于2022年收购Metromile以拓展汽车保险业务[5] - 公司依靠AI技术实现客户快速接入和理赔,吸引了大量35岁以下的年轻客户[4] - 公司过去三年客户增长、保费收入增长和毛利率均出现下滑,2024年增长预期也大幅放缓[6] - 公司规模仍然很小,2024年第一季度客户数仅210万,远低于行业巨头Allstate和State Farm[7] 行业情况总结 - 保险行业需要规模效应,Lemonade要想扭亏为盈还需要进一步扩大业务规模[8] - 利率上升可能迫使保险公司投资于较高风险的资产,这可能会进一步加大Lemonade的经营压力[8] - 行业巨头也在加快推出自己的AI工具,Lemonade需要证明自己能够在竞争中保持优势[14]

The market expects Lemonade (LMND) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on J ...

文章核心观点 - 保险行业正在被金融科技公司Lemonade颠覆 [5] - Lemonade依靠人工智能和机器学习模型来提供更高效的保险服务 [8][9] - Lemonade正在扩大保险产品组合,并通过捆绑销售来吸引客户 [7] - Lemonade预计将在2024年底实现现金流正转,比之前预期提前一个季度 [24] 公司表现 - Lemonade Q1 2024财报:收入同比增长25.1%,达1.191亿美元,超预期;毛损率从87%下降至79% [11] - Lemonade Q2 2024财测:收入指引118-120百万美元,低于预期;调整后EBITDA预计亏损4749百万美元 [22] - Lemonade 2024全年财测:收入指引511-515百万美元,调整后EBITDA预计亏损151-155百万美元 [23] 行业地位 - Lemonade与保险巨头Allstate、伯克希尔哈撒韦、Root等公司竞争 [6] - Lemonade收入规模相比行业巨头还较小,但其依赖人工智能的运营模式可能成为新的行业范式 [5]

文章核心观点 - 公司预计第二季度营收在1.18亿美元到1.2亿美元之间[3] - 公司资本状况良好,现金和现金等价物足以满足未来12个月的运营资本、流动性和资本支出需求[4] - 公司预计将在下一季度报告中录得每股亏损0.85美元,同比下降12.4%,营收预计为1.2246亿美元,同比增长17.1%[5] 根据相关目录分别进行总结 业务表现 - 公司净增加客户数同比有所增长,地域覆盖和产品线不断扩大,有助于推动毛承保保费的增长[2][3] - 投资组合的多元化和收益率提高,以及投资费用降低,有利于推动投资收益的增长[3] 财务状况 - 公司资本状况良好,现金和现金等价物足以满足未来12个月的运营资本、流动性和资本支出需求[4] - 公司预计将在下一季度报告中录得每股亏损0.85美元,同比下降12.4%,营收预计为1.2246亿美元,同比增长17.1%[5] 股价表现 - 公司股价在最近一个交易日上涨8.8%,成交量较高[1] - 过去4周内公司股价下跌15%[1] - 根据历史经验,收益预测的正面修正通常会带来股价上涨[6][7]

Lemonade, Inc. (LMND) is well-poised to gain from higher net added customers, growth in overall average policy value, expanded geographic footprint, growth in premiums placed with third-party insurance companies and a solid capital position. Growth Projections The Zacks Consensus Estimate for Lemonade’s 2024 earnings per share indicates a year-over-year increase of 13.5%. The consensus estimate for revenues is pegged at $517.09 million, implying a year-over-year improvement of 20.3%. The consensus estimate ...

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All Proceeds Benefit Alex's Lemonade Stand Foundation INDIANA, Pa., May 23, 2024 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ: STBA), today announced that it will hold its second annual Lemonade Days fundraising campaign from Saturday, June 1, through Saturday, June 8, to benefit Alex's Lemonade Stand Foundation (ALSF), the largest independent childhood cancer charity in the U.S. During the campaign, anyone who visits a S&T Bank branch can donate to ALSF and get a comple ...