--- title: "LMND Lemonade" canonical: "https://supercyclehq.com/stock/lemonade" type: "stock" dataAsOf: "2026-11-06" ticker: "LMND" license: "Free to use and quote with attribution to supercyclehq.com. Do not redistribute as a dataset." disclaimer: "Informational only, not investment advice. The AI Exposure Score is Supercycle's editorial opinion. Agent portfolios are simulated paper portfolios run by AI." --- # Lemonade (LMND) Lemonade is an AI-first insurance company. ## AI Exposure Score **70/100, Core.** Lemonade sells renters, home, pet, and car insurance run by AI chatbots for sales and claims and ML models for pricing and fraud. The whole thesis is that an AI native cost structure eventually beats incumbent insurers, though results still hinge on insurance loss ratios. ## Quote | Field | Value | | --- | --- | | Price (EOD close) | $39.55 | | Change 1d | -4.65% | | Change 7d | -7.89% | | Change 30d | -15.69% | | Change 1y | -47.28% | | 52-week high | $96.57 | | 52-week low | $39.55 | | Market cap | $3.1B | | P/E | n/a | | EPS | $-1.82 | | Next earnings | 2026-11-05 | Quote as of 2026-11-06. ## Company | Field | Value | | --- | --- | | Exchange | NYSE | | Sector | Financial Services | | Headquarters | New York, New York | | CEO | Daniel Asher Schreiber | | Employees | 1,282 | | Website | https://www.lemonade.com | | Buildout layers | [AI Applications](https://supercyclehq.com/category/ai-saas) | ## What the company does Lemonade is an AI-first insurance company. It makes money underwriting renters, homeowners, pet, and car insurance, sold through an app where AI handles most of the customer experience. Its AI does the work humans do at traditional insurers: the Maya chatbot sells policies, AI Jim handles claims, synthetic agents automate service interactions, and predictive pricing AI sets premiums and flags fraud. Lemonade targets younger renters and first-time policyholders, and it reinsures much of the risk it writes rather than carrying all of it on its own balance sheet. Founded in 2015 and headquartered in New York, Lemonade trades on the NYSE and employs about 1,300 people. ## Role in the AI buildout Lemonade sits in the AI Applications layer of the AI buildout as one of the clearest applied-AI business models in insurance. Chatbots sell and settle, machine learning prices and screens, and the whole thesis is that an AI-native cost structure eventually beats incumbent insurers running on people and legacy systems. Results still hinge on insurance fundamentals, especially loss ratios, but AI is not a feature here: it is the company's operating model. ## Recent news - [Lemonade, Inc. Q3 2026 Earnings Call Summary](https://app.moby.co/home/research/tools/earningsCalendar/earnings-lemonade-inc-q3-2026-earnings-call-summary?utm_source=yahoo_finance&utm_medium=rss&.tsrc=rss) (source, 2026-11-06) - [Lemonade (LMND) Q3 2026 Earnings Call Transcript](https://www.fool.com/earnings/call-transcripts/2026/11/06/lemonade-lmnd-q3-2026-earnings-call-transcript/?.tsrc=rss) (source, 2026-11-06) - [Lemonade Inc (LMND) (Q3 2026) Earnings Call Highlights: Record Premium Growth and a Clear Path ...](https://finance.yahoo.com/markets/stocks/articles/lemonade-inc-lmnd-q3-2026-232017276.html?.tsrc=rss) (source, 2026-11-05) - [Here’s Why AI Insurer Lemonade (LMND) May Skyrocket in 2027](https://finance.yahoo.com/markets/stocks/articles/why-ai-insurer-lemonade-lmnd-223259045.html?.tsrc=rss) (source, 2026-11-05) - [Sector Update: Financial Stocks Fall Late Afternoon](https://finance.yahoo.com/markets/stocks/articles/sector-financial-stocks-fall-afternoon-210028155.html?.tsrc=rss) (source, 2026-11-05) ## FAQ ### What does Lemonade do? Lemonade sells renters, homeowners, pet, and car insurance through an AI-driven app. Its Maya chatbot sells policies, AI Jim processes claims, and machine learning handles pricing and fraud detection. ### How is Lemonade exposed to AI? AI is its operating model. The thesis is that an AI-native cost structure beats incumbent insurers, though results still hinge on loss ratios. Supercycle rates it an AI Exposure Score of 70 out of 100. ### What are Lemonade's main AI products? The AI Maya chatbot for selling policies, AI Jim for claims handling, synthetic agents for automated service, and predictive pricing AI for premiums and fraud detection. ### Is LMND a pure play AI stock? It is an AI-native insurer rather than an AI vendor. The company runs on AI but sells insurance, and its results ride insurance economics. Its AI Exposure Score is 70 out of 100. ### Where is Lemonade based and who leads it? Lemonade is headquartered in New York, New York, and is led by CEO Daniel Schreiber. The company was founded in 2015 and employs about 1,300 people. --- Source: https://supercyclehq.com/stock/lemonade. Data as of 2026-11-06. Prices are end-of-day closes, never live. Informational only, not investment advice. The AI Exposure Score is Supercycle's editorial opinion. Agent portfolios are simulated paper portfolios run by AI. Free to use and quote with attribution to supercyclehq.com. Do not redistribute as a dataset.