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Cash Flow
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Cash Flow Overview
Change in Cash
-$30,500K
Free Cash flow
$2,600K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Total revenue
Proceeds from bonds sold or matu...
Prepaid reinsurance premium
Others
Negative Cash Flow Breakdown
Cost of bonds acquired
Premium receivable
Advertising expenses
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Total revenue
194,500
164,100
151,200
526,500
Less loss and loss adjustment expenses, net
89,600
77,500
85,400
277,000
Other insurance expense
24,100
21,400
26,100
76,800
Sales and marketing
11,300
9,900
5,100
44,800
Advertising expenses
46,100
49,700
38,100
121,500
Technology development
24,700
22,400
22,000
85,800
General and administrative
30,300
28,800
28,100
98,000
Interest expense
4,600
4,000
3,300
6,200
Depreciation and amortization
3,400
4,700
4,500
20,000
Other expenses
-3,300
-11,700
-
300
Income tax expense
1,200
1,300
1,000
-1,700
Net loss
-37,500
-43,900
-62,400
-30,000
Depreciation and amortization
3,400
4,700
4,500
4,700
Stock-based compensation
17,100
15,400
10,300
17,300
Amortization of premium on bonds
1,400
1,500
1,500
1,600
Provision for bad debt
5,200
4,400
4,500
3,100
Gain on early lease termination
2,300
-
-
-
Asset impairment charge
0
0
-
0
Premium receivable
53,800
33,300
21,100
6,600
Reinsurance recoverable
-10,100
-4,500
11,900
-19,500
Prepaid reinsurance premium
-78,200
18,100
9,900
-1,100
Deferred acquisition costs
900
1,200
-800
300
Other assets
-1,400
600
-2,800
3,200
Unpaid loss and loss adjustment expense
2,300
2,500
9,200
3,900
Unearned premium
-58,400
-33,300
-21,200
-1,200
Trade payables
2,900
-1,200
-1,100
3,500
Funds held for reinsurance treaties
-37,600
15,000
5,500
30,300
Deferred ceding commissions
-18,400
7,400
-4,600
6,700
Ceded premium payable
-10,700
3,500
2,400
-18,100
Other liabilities and accrued expenses
-11,900
14,600
4,100
-17,700
Net cash used in operating activities
4,500
5,500
-47,200
13,800
Acquisition of business, net of cash acquired
-
-
-
0
Proceeds from short-term investments sold or matured
13,000
5,600
9,400
12,900
Proceeds from bonds sold or matured
135,500
133,900
30,200
66,400
Cost of short-term investments acquired
15,000
6,700
2,000
9,100
Cost of bonds acquired
191,000
101,200
75,600
64,500
Purchases of property and equipment
1,900
2,100
2,300
3,200
Net cash (used in) provided by investing activities
-59,400
29,500
-40,300
2,500
Proceeds from borrowings under financing agreement
30,200
36,100
30,000
25,600
Payments on borrowings under financing agreement
14,700
14,500
11,500
9,700
Proceeds from stock exercises
8,500
2,500
1,500
19,100
Net cash provided by financing activities
24,000
24,100
20,000
35,000
Effect of exchange rate changes on cash, cash equivalents and restricted cash
400
7,200
1,500
-3,400
Net increase in cash, cash equivalents and restricted cash
-30,500
66,300
-66,000
47,900
Cash and cash equivalents at beginning of period
319,700
319,700
385,700
285,200
Cash and cash equivalents at end of period
355,500
386,000
319,700
385,700
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from borrowings
under financing...
$30,200K
(-1.95%↓ Y/Y)
Prepaid reinsurance
premium
-$78,200K
(-314.25%↓ Y/Y)
Proceeds from stock
exercises
$8,500K
(8400.00%↑ Y/Y)
Unearned premium
-$58,400K
(-3.91%↓ Y/Y)
Stock-based compensation
$17,100K
(1.18%↑ Y/Y)
Reinsurance recoverable
-$10,100K
(22.90%↑ Y/Y)
Provision for bad debt
$5,200K
(100.00%↑ Y/Y)
Depreciation and
amortization
$3,400K
(-33.33%↓ Y/Y)
Trade payables
$2,900K
(625.00%↑ Y/Y)
Unpaid loss and loss
adjustment expense
$2,300K
(-80.83%↓ Y/Y)
Other assets
-$1,400K
(-170.00%↓ Y/Y)
Net cash provided by
financing activities
$24,000K
(1.69%↑ Y/Y)
Net cash used in
operating activities
$4,500K
(-72.39%↓ Y/Y)
Effect of exchange rate
changes on cash, cash...
$400K
(-82.61%↓ Y/Y)
Canceled cashflow
$14,700K
Canceled cashflow
$174,500K
Total revenue
$194,500K
Other expenses
-$3,300K
Net increase in
cash, cash...
-$30,500K
(-156.30%↓ Y/Y)
Canceled cashflow
$28,900K
Proceeds from bonds sold
or matured
$135,500K
(169.38%↑ Y/Y)
Proceeds from short-term
investments sold or matured
$13,000K
(-36.89%↓ Y/Y)
Payments on borrowings
under financing...
$14,700K
(101.37%↑ Y/Y)
Premium receivable
$53,800K
(32.51%↑ Y/Y)
Funds held for
reinsurance treaties
-$37,600K
(-217.50%↓ Y/Y)
Net loss
-$37,500K
(44.61%↑ Y/Y)
Deferred ceding
commissions
-$18,400K
(-246.03%↓ Y/Y)
Other liabilities and
accrued expenses
-$11,900K
(-617.39%↓ Y/Y)
Ceded premium payable
-$10,700K
(-186.99%↓ Y/Y)
Gain on early lease
termination
$2,300K
Amortization of premium on
bonds
$1,400K
(-17.65%↓ Y/Y)
Deferred acquisition
costs
$900K
(28.57%↑ Y/Y)
Canceled cashflow
$197,800K
Net cash (used in)
provided by investing...
-$59,400K
(-9.80%↓ Y/Y)
Canceled cashflow
$148,500K
Less loss and loss
adjustment expenses, net
$89,600K
Advertising expenses
$46,100K
General and
administrative
$30,300K
Technology development
$24,700K
Other insurance
expense
$24,100K
Sales and marketing
$11,300K
Interest expense
$4,600K
Depreciation and
amortization
$3,400K
(-33.33%↓ Y/Y)
Income tax expense
$1,200K
Cost of bonds
acquired
$191,000K
(65.37%↑ Y/Y)
Cost of short-term
investments acquired
$15,000K
(105.48%↑ Y/Y)
Purchases of property and
equipment
$1,900K
(-13.64%↓ Y/Y)
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Lemonade, Inc. (LMND-WT)
Lemonade, Inc. (LMND-WT)