Key Points Lemonade bulls were disappointed by guidance, but a new opportunity has arrived. Sell-side activity is consistent with a trading range that traders can target. Covered calls could bring in 8% to 10% monthly in March and April. 5 stocks we like better than Lemonade Lemonade NYSE: LMND turned up on Marketbeat’s radar before the Q4 release, popping up for unusual call volume activity, highlighting its tradability if not a good trade. Investors hoping to cash in on a ramp in share prices were disappo ...

The S&P 500 is hovering around its all-time high as we head into March, but that doesn't mean that all stocks have become expensive. There are some excellent opportunities for risk-tolerant long-term investors, especially in the financial technology, or fintech, industry. Here are two companies, in particular, that look like incredible buys as winter comes to a close. A true disruptor with strong results Lemonade (LMND 4.19%) is an insurance company that aims to disrupt the traditional model by using techno ...

The "Magnificent Seven" stocks are hogging the stock market's spotlight these days. That makes perfect sense, of course. They are seven of the largest stocks by market value and among today's most exciting growth stocks. But this list won't be the talk of Wall Street forever. Most of them also had membership cards to the older FANG group, which Jim Cramer defined in 2013 and expanded to FAANG four years later. But Tesla and Nvidia were minnows then, with market caps below $10 billion. Whoever joins the next ...

业绩表现 - Lemonade在2023年第四季度的业绩表现优异，超过了收入、在保费、总赚取保费和调整后的EBITDA指导[1] - 尽管业绩表现出色，但分析师和投资者对公司的未来收入预测感到失望，导致股价下跌[2] - Lemonade的2024年和2025年预期营收增长率分别为18.27%和26.98%，高于竞争对手[30] 欧洲市场扩张 - 公司在欧洲市场的扩张表现出色，欧洲业务增长迅速，有望成为未来增长的重要来源[3] 增长计划 - Lemonade计划在2024年加大增长预算，但这可能会暂时降低调整后的EBITDA[4] 估值和投资 - Lemonade是一家非常难以估值的公司，因为它缺乏自由现金流和盈利能力[28] - Lemonade的P/TB略低于其三年中位数，如果按照三年中位数交易，股价将会上涨7.5%[28] - 投资Lemonade需要考虑公司的争议性和不确定性，股票被评为具有投机性的买入[31]

Shares of Lemonade (LMND -26.17%) soured on Wednesday. The stock fell as much as 28.4% in the morning and stayed near this lower level throughout the day, showing extremely heavy trading volume. This harsh reaction to Lemonade's fourth-quarter earnings report wiped out a recent price spike as investors reset their expectations for Lemonade's near-term business prospects. Why investors soured on Lemonade's sweet report There wasn't anything wrong with the financials Lemonade reported yesterday. Lemonade's re ...

财报表现 - Lemonade（LMND）第四季度财报好于市场反应[1]

财务数据和关键指标变化 - 第四季度营收同比增长31%至1.16亿美元,主要由于毛赚保费增加20%至1.81亿美元,再保费率下降,以及投资收益翻倍 [29] - 第四季度毛利润同比增长165%至3400万美元,调整后毛利润同比增长97%至3400万美元 [33][34] - 第四季度净亏损4200万美元,每股亏损0.61美元,较上年同期改善35% [40] - 第四季度调整后EBITDA亏损2900万美元,较上年同期改善44% [40] - 截至2023年末,现金及投资总额约9.45亿美元,较上年末下降92百万美元,但较上半年末增加3百万美元 [41] 各条业务线数据和关键指标变化 - 第四季度在保保费同比增长20%至7.47亿美元,客户数同比增长12%至200多万 [27][28] - 客户平均保费同比增长7%至369美元,主要由于费率上调和产品结构优化 [28] - 年度续保率87%,较上年同期提升1个百分点 [28] - 各产品线(租房、家庭、汽车、宠物)的毛损率同比均有9-18个百分点的改善 [30][32] 各个市场数据和关键指标变化 - 公司目前在全国范围内推出了与Chewy的合作,结果与预期基本一致,质量也与公司自有业务相当 [66][67] - 公司在伊利诺斯州的多线客户占比接近10%,是全国平均水平的两倍 [71] - 公司目前全国范围内的多线客户占比为4.5%,较去年投资者日的3.7%提升约20% [71] - 公司在非汽车产品线的交叉销售占比约为25%,加上汽车产品后达到30% [70] 公司战略和发展方向及行业竞争 - 公司将在2024年大幅增加营销投入,预计投入5500万美元,但将带来长期收益 [21][22][23] - 公司将在2024年加速增长,但同时也面临挑战,需要平衡增长和盈利 [20][24] - 公司将继续限制家庭和汽车两大主要产品线的增长,直到获得足够的费率审批 [18][19] - 公司正在测试在一些未开展自营业务的州销售第三方保险产品,以满足客户需求 [82][83] - 公司正在与监管机构合作,确保人工智能在保险业务中的公平性和负责任使用 [95][96] 管理层对经营环境和未来前景的评论 - 2023年公司取得了显著进步,毛利润和EBITDA亏损均大幅改善,现金储备充足 [8][9][10] - 公司认为,经过近两年的艰难时期,已变得更加精干、专注、强大和有抗压能力 [13][14] - 2024年通胀趋缓、资本成本可能见顶,这可能成为有利因素 [15] - 但加速增长也带来挑战,需要平衡增长和盈利 [20][24] - 公司有信心在2026年实现EBITDA盈亏平衡,并建立一个大规模、持久和盈利的业务 [12] 问答环节重要的提问和回答 问题1 **Jason Helstein 提问** 公司是否会在2024年使用人工智能与第三方代理商合作,这是否会在2024年产生重大影响?[76][77][78][79][80][81][82][83] **Daniel Schreiber 回答** 这只是一个测试,不会在2024年产生重大影响,公司会继续关注这一领域的发展[82][83][84][85] 问题2 **Yaron Kinar 提问** 公司对家庭保险业务的战略是什么?是否会继续在自有业务中增长这一业务线?[91][92][93][94] **Daniel Schreiber 回答** 公司仍然致力于长期发展家庭保险业务,但目前由于费率审批进度缓慢,公司会暂时限制这一业务线的增长,同时测试销售第三方产品以满足客户需求[92][93][94] 问题3 **Yaron Kinar 提问** 公司如何应对监管机构对保险业人工智能使用的审查?[95][96] **Daniel Schreiber 回答** 公司非常重视这一问题,设有专门的AI公平性官员和伦理专家,与监管机构密切合作,确保人工智能在保险业务中得到负责任的应用[95][96]

Lemonade, Inc. (LMND) reported fourth-quarter 2023 operating loss of 61 cents per share, narrower than the Zacks Consensus Estimate of a loss of 79 cents as well as the year-ago loss of 93 cents per share. Quarterly results reflect improved gross earned premiums, driven by an increase in in-force premium earned and lower expense. Behind the Q4 Headlines Revenues increased 30.6% year over year to $115.5 million, driven by an increase in gross earned premium and higher investment income. The top line beat the ...

For the quarter ended December 2023, Lemonade (LMND) reported revenue of $115.5 million, up 30.7% over the same period last year. EPS came in at -$0.61, compared to -$0.93 in the year-ago quarter. The reported revenue represents a surprise of +2.13% over the Zacks Consensus Estimate of $113.1 million. With the consensus EPS estimate being -$0.79, the EPS surprise was +22.78%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determin ...

Lemonade (LMND) came out with a quarterly loss of $0.61 per share versus the Zacks Consensus Estimate of a loss of $0.79. This compares to loss of $0.93 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 22.78%. A quarter ago, it was expected that this company would post a loss of $0.93 per share when it actually produced a loss of $0.88, delivering a surprise of 5.38%. Over the last four quarters, the company has surpassed cons ...