Lemonade(NYSE: LMND) While the stock was up and down at that time, there have been investors for many years. This also lost part of its work and shareholder and has 81% discount since 2021.
Lemonade is an insurance technology company with difficult legacy insurers, and customers sign a digital, easy-to-use products at a fast pace.
2024 was a banner year of the company, because it reduced a strong growth or how much it has reduced and positively Free cash flow For the first time on the annual basis. Force Premium (BMP) or average general awards increased by 26% per year in the fourth quarter. This increased by 5% to the number of award in the number of customers, increased by more than 20%, and the number of customers increased by 2.4 million. The corrected free cash flow was $ 27 million from the loss of $ 11 million a year ago.
Lemonade comes to growth strategy, although the profitability is taking longer than investors. Lemonade’s plan grew up with them as you catch young customers and expand the insurance. The tenants began with insurance insurance that appealed to a younger group, and this launched homeowners insurance, pet insurance, car insurance and life insurance. Customers add more expensive products for attracting the Limonade platform and enjoy.
Management tools built with digital infrastructure using artificial intelligence and machine learning are connected to each other. This is a model for MIRAS insurers to have a lot of time. Although everyone used the AI today, former insurance companies have the segments of “talk” to each other who did not leave them in a different disadvantage. Although Lemonade is still a small violation, investors should not assess what the investors can result in how the model is currently operating.
Investors appreciated the performance and lemonade shares ended 128% of the year.
The proportion of the submitted ratio was the main point of adhesion of investors, and it means paying a lot of money to be profitable in lemonade. Management intends to take time to effectively and improve its models and get them properly as a young company. After all, algorithms are the most useful because they learn more and will be the expenses and the curve of learning without providing this information.
It continues to clarify the lemonade algorithm and start launching new models and has made great progress last year. In the fourth quarter, the damage rate was 63% and the best. The 12-month loss rate of the year was 73%, the year of improving the 12 percent station during the year.
However, Lemonade still states high net losses because it spreads with high marketing costs. In the fourth quarter, the net loss was $ 30 million in the fourth quarter, although the net loss was a loss of $ 42 million this year. There is still a risk until the losing ratio lost in time, and the lemonade proves to keep it down.
Management is still highly profitable and ensures that traditional insurance companies will be better, but may take more time to reach this point before flying. BMP accelerated and lemonade expects to overlap more than 30% in 2026. Keeps operating costs down and as working together, it leads to higher gains.
The company is waiting for his correction Earnings before interest, taxes, depreciation and depreciation (EBITDA) for the overall gain to be positive and expand next year. In 2027, the next net profit, which has the current tracking-12-month-old BMP to $ 10 billion in $ 1 billion. After that, shareholders must benefit from a wind.
Is it time to buy now? If you have time to wait for risk and this, now you can have a good time to catch a position in the lemonade reserve.
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