Welcome to our dedicated page for Lemonade SEC filings (Ticker: LMND), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Insurance accounting can be harder to decode than the policy language itself, and Lemonade’s insurtech model adds another layer of AI-driven nuance. Whether you are searching for “Lemonade SEC filings explained simply� or trying to reconcile loss ratios hidden in a 300-page 10-K, the raw documents can feel impenetrable.
Stock Titan solves that problem. Our AI reads every new submission to EDGAR the moment it posts and serves back:
- Lemonade annual report 10-K simplified with plain-English breakdowns of Giveback donations, reinsurance costs, and premium growth.
- Lemonade quarterly earnings report 10-Q filing paired with interactive charts that track underwriting losses over time.
- Lemonade 8-K material events explained so you see how catastrophe exposure or new product launches may affect results.
- Lemonade insider trading Form 4 transactions plus Lemonade Form 4 insider transactions real-time alerts the instant executives buy or sell shares.
- Lemonade proxy statement executive compensation that outlines how leadership pay aligns with growth metrics.
Use the insights to compare underwriting loss trends, monitor “Lemonade executive stock transactions Form 4�, or share a concise “Lemonade earnings report filing analysis� with colleagues. From novice investors who are “understanding Lemonade SEC documents with AI� to analysts modeling cash-burn, every filing type is covered and updated in real time—no manual digging required.
Lemonade (LMND) delivered Q2-25 top-line growth but remains unprofitable. Total revenue rose 34% YoY to $164.1 million, driven by a 26% increase in net earned premium (to $112.5 million) and higher ceding-commission income. Loss and LAE grew more slowly, improving the loss ratio to ~69% (vs. ~79% a year ago). Sales & marketing spend jumped 62% to $59.6 million as the company pursues expansion. Net loss narrowed to $43.9 million (-$0.60 per share) from $57.2 million (-$0.81), while weighted shares rose 3.8% to 73.4 million.
Operating cash outflow was $41.7 million for H1-25, in line with H1-24, and cash/​equivalents held steady at $386 million. Borrowings under the General Catalyst marketing-finance facility increased to $123.5 million (from $83.4 million), boosting leverage but providing growth capital. Stock-based compensation fell to $25.7 million (H1-24: $30.3 million). Book value declined to $527.1 million as the accumulated deficit widened to $1.41 billion.
The reinsurance program was renewed on 1 Jul 25 with a sharply lower cession rate (~20% vs. ~55%), increasing Lemonade’s retained risk from Q3 onward. Q2 results include $16.9 million of California wildfire losses and a $6.9 million FAIR Plan assessment, partially offset by an $11.7 million Employee Retention Credit refund. Termination of the Chewy warrant agreement removed 3.17 million potential shares and reversed $5.2 million of previously accrued expense.
Amendment No. 2 to Schedule 13G shows that The Vanguard Group has a significant passive stake in Kenvue Inc. (KVUE) as of 30 June 2025.
- Beneficial ownership: 233,245,730 common shares, equal to 12.14 % of outstanding stock.
- Voting power: Sole 0; Shared 2,284,446 shares.
- Dispositive power: Sole 223,757,686; Shared 9,488,044 shares.
- Vanguard files under Rule 13d-1(b) as an investment adviser, indicating the holding is for investment purposes only.
- Certification states the shares were acquired in the ordinary course and not to influence control of Kenvue.
The filing confirms strong institutional ownership from one of the world’s largest asset managers, which can enhance share-base stability and trading liquidity but does not signal any operational or strategic change for the company.
Lemonade, Inc. (LMND) � Form 4 insider filing
CFO Timothy E. Bixby exercised 7,000 fully-vested employee stock options at an exercise price of $23.69, then sold the same 7,000 shares under a Rule 10b5-1 plan. The sales occurred on 18 Jul 2025 (6,000 sh. at $42.50) and 21 Jul 2025 (1,000 sh. at $42.70), generating gross proceeds of roughly $0.30 million versus an aggregate exercise cost of about $0.17 million.
After the transactions Mr. Bixby’s direct holding remains 263,393 common shares, unchanged from the level prior to the option exercises. He also retains 30,000 shares held indirectly through the Timothy E. Bixby Family Trust and 277,300 unexercised options expiring 25 Sep 2029.
The activity represents <0.02 % of LMND’s 67 million outstanding shares and appears routine portfolio diversification rather than a signal about business fundamentals. No other insiders transacted and no company cash was involved.
Lemonade, Inc. (LMND) � Form 144 notice of proposed insider sale
A filer identified in the past-sales table as Timothy E. Bixby intends to sell 1,000 common shares on 21-Jul-2025 through Fidelity Brokerage Services on the NYSE. At the stated price of $42.70, the transaction’s aggregate market value is $42,700, equal to roughly 0.0014 % of Lemonade’s 73,266,170 shares outstanding.
The filing also lists 10 sales over the prior three months totaling 66,916 shares and generating an estimated $2.78 million in gross proceeds. Individual sale sizes ranged from 1,916 to 11,000 shares. The shares now being offered were acquired via an employee option granted 01-Dec-2019 and are to be paid for in cash on the sale date.
- Form type: 144 (Rule 144 resale)
- Broker: Fidelity Brokerage Services LLC
- Class: Common stock
- No financial performance data or corporate updates accompanied the notice.
JPMorgan Chase Financial Company LLC is offering $2.115 million of Auto-Callable Contingent Interest Notes (CUSIP 48136FHX3) maturing 14 January 2027 and fully, unconditionally guaranteed by JPMorgan Chase &Co. The notes link separately to the Nasdaq-100 Technology Sector Index (NDXT) and the VanEck Gold Miners ETF (GDX); performance is based on the lesser-performing underlying.
Key economics: investors pay $1,000 per note; selling commissions are $22.25 (2.225%), leaving $977.75 proceeds. JPMorgan estimates the fair value at $956.10, roughly 4.4% below issue price, reflecting structuring and hedging costs. Minimum denomination is $1,000.
Coupon mechanics: a Contingent Interest Rate of 10.25% p.a. (0.85417% monthly, $8.5417 per $1,000) is paid only if, on a given monthly Review Date, each underlying closes at or above 70% of its initial value (Interest Barrier). If either fails, that month’s interest is skipped. The first two review dates (Aug 11 & Sep 10 2025) cannot trigger a call.
Automatic call: starting 10 Oct 2025, if both underlyings close at or above their initial values on any Review Date (other than the final), the notes are automatically redeemed for $1,000 plus the current contingent coupon, ending the investment early.
Principal risk: at maturity, if the notes were not previously called and either underlying finishes below its 70% Trigger Value, investors receive $1,000 Ă— (1 + Lesser-Performing Underlying Return). Thus, a 40% decline in the weaker underlying results in a $600 repayment (40% loss). Principal is protected only if both underlyings remain at or above 70% of initial value through the final review date.
Initial reference levels: NDXT 11,750.98; GDX $51.90. Corresponding barriers/trigger values are 8,225.686 and $36.33.
Risk highlights: (1) no guaranteed interest or principal; (2) exposure to credit risk of JPMorgan Financial/JPMorgan Chase &Co.; (3) sector concentration—technology and precious-metal miners can be volatile; (4) notes are unlisted and illiquid; secondary prices will reflect dealer mark-downs and internal funding rates; (5) estimated note value is below issue price.
Timeline: Priced 10 Jul 2025, expected to settle 15 Jul 2025. Earliest call: 10 Oct 2025. Final maturity: 14 Jan 2027.
The structure suits investors seeking enhanced yield potential and willing to accept equity-linked downside, skipped coupons, and limited upside (maximum return equals cumulative contingent coupons).
BRC Inc. (BRCC) Form 4 snapshot
On 07/07/2025 the company reported an equity grant to Chief Financial Officer Matthew L. Amigh. The filing discloses two separate awards made under the 2022 Omnibus Incentive Plan:
- 158,228 Restricted Stock Units (RSUs) that vest in three equal annual instalments beginning one year from the grant date. Each RSU converts into one share of Class A common stock at no cost upon vesting.
- 804,940 stock options with an exercise price of $1.58, expiring 07/06/2032. The options also vest in three equal annual tranches starting on the first anniversary of the grant.
Following the transaction, the CFO’s direct beneficial ownership stands at 158,228 Class A shares plus 804,940 options. No shares were sold or disposed of, and the filing contains no Rule 10b5-1 notation. Because the awards are time-based rather than performance-based, they primarily serve as a retention and alignment mechanism. The transaction is routine for newly appointed executives, but investors may note the potential dilution of up to 963,168 shares if all instruments settle and exercise.
Lemonade, Inc. (symbol LMND) has filed a Form 144 notice covering a proposed sale of 11,000 common shares. The shares are intended to be sold on 07 July 2025 through Fidelity Brokerage Services LLC on the NYSE at an aggregate market value of $466,400. The notice states that 73,266,170 shares of the class are outstanding, so the planned sale represents roughly 0.015 % of that total.
The filing is submitted on behalf of Timothy E. Bixby, the “person for whose account the securities are to be sold.� Acquisition information shows the shares derive from an option granted 01 Dec 2019, exercised for cash on 07 July 2025.
Prior insider activity: Over the past three months, the same seller has executed seven separate transactions totaling 45,916 shares for gross proceeds of approximately $1.86 million, with individual sale dates ranging from 03 June 2025 to 30 June 2025.
The signatory affirms awareness of Rule 10b5-1 obligations and declares no undisclosed material adverse information. No additional financial or operational data about Lemonade is included in this Form 144.
Lemonade, Inc. (LMND) � Form 4 filed 02-Jul-2025
Chief Financial Officer Timothy E. Bixby reported two same-day transactions dated 30-Jun-2025:
- Option exercise (Code “M�): 11,000 stock options exercised at an exercise price of $23.69.
- Open-market sale (Code “S�): the 11,000 resulting shares were sold at an average price of $42.69 under a Rule 10b5-1 plan adopted 12-Dec-2024.
After the transactions, Bixby’s direct ownership declined from 274,393 to 263,393 shares. He also holds 30,000 shares indirectly through the Timothy E. Bixby Family Trust, over which he has full voting and dispositive control. In addition, he retains 300,300 stock options outstanding after the exercise.
The option exercised was already fully vested and carries a 09-25-2029 expiration date. No other executives were included in this filing, and no operational or financial performance metrics were disclosed.
While insider sales can signal several motives (liquidity, diversification, tax), the modest size relative to Bixby’s remaining stake and the pre-arranged 10b5-1 plan suggest limited informational value for long-term shareholders.
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