New York, November 5th / PRNewswire / -- Lemonade, Inc. ( NYSE : LMND ) has released its financial results for the third quarter of 2026 on the company's website. Investors can view the financial results in the "Third Quarter 2026 Letter to Shareholders".
The company stated that Lemonade will hold a conference call today at 8:00 a.m. Eastern Time (5:00 a.m. Pacific Time) to discuss financial results. Participants can call the toll-free number +1 (833) 461 5787, or +1 (585) 542 9983; the access code is 540 569 867.
To listen to the live webcast, please visit the Lemonade Investor Relations website. After the teleconference, the replay will be available for viewing on the website.
About Lemonade
Lemonade provides insurance for tenants, homeowners, cars, pets, and life insurance. Relying on artificial intelligence and social influence, the company operates a full-stack insurance company in the United States and the European Union, replacing brokers and cumbersome processes with robots and machine learning, with the goal of achieving zero paper documents and instant services. As a certified Class B company, Lemonade donates any unused premiums to non-profit organizations selected by the community during its annual Giveback event. Lemonade currently provides services in the United States, Germany, the Netherlands, France, and the United Kingdom, and is continuously expanding globally.
The company also reminds investors that they can follow Lemonade on X and Instagram to get updates.
Warning Regarding Forward-Looking Statements
This press release, as well as the company's earnings announcement and conference call, may contain forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Except for statements of historical fact in this press release, all other statements are forward-looking, including the date and time of the earnings conference call.
These statements are neither commitments nor guarantees, but rather involve known and unknown risks, uncertainties, and other important factors that may lead to significant differences between actual results, performance, or achievements and the future results, performance, or achievements implied or suggested by the forward-looking statements.Relevant factors include, but are not limited to: the company's financial outlook for the second quarter and the whole of 2026, as well as expectations for financial results and financial indicators (including key performance indicators); the ability to acquire new business, including growth in automotive and pet products; marketing efficiency; the expected returns, accuracy, and growth of predictive and generative AI models, and their impact on loss ratios, LAE, and other indicators; expected growth, profitability, industry trends, business strategies, plans, targets, and expectations regarding market position, future operations, reinsurance coverage, capital efficiency ratios, and other financial and operational information; the company's history of losses and the possibility of being unable to achieve or sustain profitability in the future; the success and ability to retain and expand the customer base; the " Lemonade " brand may not be as well-known as existing competitor brands, or the brand may be damaged; denial of claims or failure to pay claims accurately and in a timely manner; the company's ability to obtain higher value from each user; the current level and availability of reinsurance; exposure to counterparty risks; limited operating history; the ability to effectively manage growth; proprietary artificial intelligence algorithms may not function as expected; intense competition in the insurance segment in which it operates; the ability to maintain the required level of risk capital; the ability to expand the product portfolio; the novelty of the business model and its unpredictability in effectiveness, as well as sensitivity to unexpected consequences; the possibility of being forced to modify or cancel Giveback; regulatory risks associated with the operation, development, and implementation of proprietary AI algorithms and telematics-based pricing models; legislative or legal requirements that may affect the way the company communicates with customers; the cyclical nature of the insurance industry; the company's dependence on artificial intelligence, telematics, mobile technology, and digital platforms to collect data for business purposes; the ability to obtain additional capital when needed, which may not be available under acceptable conditions, or may not be available at all; and issues related to security incidents or real or perceived errors in systems, websites, or applications.Failures or vulnerabilities that result in the inability to protect customer information and other data, lack of respect for customer privacy, or non-compliance with data privacy and security laws and regulations, leading to actual or perceived mistakes; regular inspections by state insurance regulatory agencies; the ability to accurately underwrite risks and charge customers competitive and profitable rates; the ability to accurately predict severe weather events and disasters (including the impact of climate change and global pandemics on company operations and the global economy); increasing scrutiny, actions, and changing expectations regarding environmental, social, and governance matters; the possibility that agreements with General Catalyst as a synthetic agent may not function as expected; fluctuations in operating results between quarters and years; the company's use of customer and third-party data when underwriting policies; limitations in the analytical models used to assess and predict disaster loss exposures; potential losses that may exceed the provisions for loss and loss adjustment expenses; minimum capital and surplus requirements that insurance subsidiaries must maintain; assessments from state guarantee funds and other additional fees; the company's status and obligations as a public benefit corporation; as well as the company's operations in Israel and the current political, economic, and military instability in the region, including the ongoing conflicts in Israel and surrounding areas.
These, as well as other important factors described under the "Risk Factors" heading in the company's 10-K reports submitted on December 31, 2025, for the fiscal year ending that date, and on February 25, 2026, as well as in other documents subsequently submitted to the U.S. Securities and Exchange Commission (SEC), may lead to significant differences between actual results and the forward-looking statements contained in this press release. The aforementioned forward-looking statements represent only the management's judgment as of the date of issuance of this press release. The company may choose to update such forward-looking statements at some point in the future, but even if subsequent events result in changes in opinion, the company has no obligation to do so.
News and Information Disclosure
Investors should note that the company may use its website ( investor.lemonade.com ), blogs ( lemonade.com / blog ), X (@Lemonade_Inc), and LinkedIn as channels for disclosing information and fulfilling Regulation FD disclosure obligations. Information published by the company through these channels may be considered material information. In addition to reviewing the company's press releases, documents submitted to the U.S. Securities and Exchange Commission, and public teleconferences, investors should also pay attention to these channels.
