Lemonade, Inc. (BMV:LMND)

Net Premiums Written

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2018
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Gross Written Premium	1.10B	929.00M	738.40M
Gross Written Premium Growth	18.44%	25.81%	32.88%
Ceded Written Premium	-477.10M	-513.90M	-389.10M

Net Premiums Earned

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2018
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Gross Earned Premium	987.00M	827.30M	672.30M
Gross Earned Premium Growth	19.30%	23.05%	37.06%
Ceded Earned Premium	-529.00M	-456.70M	-357.10M

Key Performance Indicators

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2018
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Customers	2.87M	2.43M	2.03M
Customers Growth	18.10%	19.89%	12.14%
In Force Premium	1.16B	943.70M	747.30M
In Force Premium Growth	22.70%	26.28%	19.55%
Premium Per Customer	403.00	388.00	369.00
Premium Per Customer Growth	3.87%	5.15%	6.65%
Annual Dollar Retention	85.00%	86.00%	87.00%
Gross Loss Ratio	-	73.00%	85.00%
Net Loss Ratio	-	75.00%	89.00%

Updated Sep 30, 2025. Data Source: Fiscal.ai.