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VizualStocks APIOperating KPI and segment definitions available for Lemonade (LMND) through the VizualStocks API.
Gross written premium from locations without their own configured catalog row, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow and currently combines the issuer's All other amount with separately reported Florida and Europe/UK because those locations are missing from the configuration.
allOtherStatesInForcePremiumEnding in-force premium from the same customers active one year earlier divided by those customers' beginning in-force premium. The rate captures churn together with changes in coverage, policy count and policy type, so expansion from retained customers can offset cancellations.
annualDollarRetentionRateGross written premium from insurance policies written in Arizona during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
arizonaInForcePremiumGross written premium from insurance policies written in California during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
californiaInForcePremiumPortion of Lemonade's gross written premium transferred to reinsurers during the period.
cededWrittenPremiumCommission income paid by third-party reinsurers to reimburse Lemonade for acquisition and underwriting expenses on premiums it cedes to them. It is recognized over the reinsured policy term, so the amount moves with both ceded premium and Lemonade's reinsurance participation rate.
cedingCommissionRevenueGross written premium from insurance policies written in Colorado during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
coloradoInForcePremiumCommissions from insurance policies Lemonade places with third-party carriers without retaining the insured risk, plus other income mainly from installment-payment fees. Placement commissions are recognized when the policy becomes effective, while installment fees are recognized when billed.
commissionAndOtherRevenueNumber of current policyholders at period end whose coverage is either underwritten by Lemonade or placed with a third-party insurer that pays Lemonade recurring commissions. A person with multiple policies is counted once, making this a customer count rather than a policy count.
customersPremiums written by Lemonade during the period before deducting amounts transferred to reinsurers.
grossWrittenPremiumGross written premium from insurance policies written in Illinois during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
illinoisInForcePremiumAggregate annualized premium on active policies at period end, combining policies Lemonade underwrites with policies placed at third-party insurers for recurring commissions. It is a contractual run-rate measure—not earned revenue or a forecast—and does not adjust for future cancellations or non-renewals.
inForcePremiumThe portion of Lemonade's written premium earned as insurance coverage is provided, less the portion earned by third-party reinsurers. Because most policies run for a year and premium is recognized over the risk period, this differs from premium written when a policy is bound.
netEarnedPremiumRevenueInterest earned on Lemonade's fixed-maturity securities, short-term holdings and other investments, net of investment-management fees. It is driven mainly by the size and yield of the portfolio funded by equity capital and premiums held before claims are paid.
netInvestmentRevenueClaims and loss-adjustment expenses retained by Lemonade after reinsurance recoveries, divided by net earned premium. A lower ratio generally means more premium remains after insured losses, while catastrophe exposure and changes in reinsurance can make the measure volatile.
netLossRatioGross written premium from insurance policies written in New Jersey during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
newJerseyInForcePremiumGross written premium from insurance policies written in New York during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
newYorkInForcePremiumGross written premium from insurance policies written in Pennsylvania during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
pennsylvaniaInForcePremiumLemonade in-force premium at period end divided by the number of customers at the same date.
premiumPerCustomerGross written premium from insurance policies written in Texas during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
texasInForcePremiumGross written premium from insurance policies written in Washington during the period, before premiums ceded to reinsurers. Despite the legacy InForcePremium ID, this is a period flow rather than period-end annualized premium.
washingtonInForcePremiumGross written premium from insurance policies written in Georgia during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q3 2025 Georgia is no longer separately disclosed but included in the residual location bucket.
georgiaInForcePremiumGross written premium from insurance policies written in Maryland during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q2 2022 Maryland is no longer separately disclosed but included in the residual location bucket.
marylandInForcePremiumGross written premium from insurance policies written in Michigan during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q3 2021 Michigan is no longer separately disclosed but included in the residual location bucket.
michiganInForcePremiumGross written premium from insurance policies written in Ohio during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q1 2021 Ohio is no longer separately disclosed but included in the residual location bucket.
ohioInForcePremiumGross written premium from insurance policies written in Oregon during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q4 2023 Oregon is no longer separately disclosed but included in the residual location bucket.
oregonInForcePremiumGross written premium from insurance policies written in Virginia during the period, before premiums ceded to reinsurers. The legacy ID incorrectly says InForcePremium, and after Q4 2022 Virginia is no longer separately disclosed but included in the residual location bucket.
virginiaInForcePremium