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Cash Flow Overview

Change in Cash
-$6,200K
Free Cash flow
-$8,000K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Total revenue
    • Proceeds from bonds sold or matu...
    • Proceeds from borrowings under f...
    • Others
Negative Cash Flow Breakdown
    • Cost of bonds acquired
    • Advertising expenses
    • Premium receivable
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total revenue
294,400
258,000
228,100
509,800
Less loss and loss adjustment expenses, net
154,000
133,300
94,500
89,600
Other insurance expense
26,700
24,100
22,100
24,100
Sales and marketing
13,300
11,800
10,800
11,300
Advertising expenses
64,400
54,300
53,400
46,100
Technology development
30,000
26,900
24,800
24,700
General and administrative
38,400
35,000
35,100
30,300
Interest expense
7,000
6,200
5,400
4,600
Depreciation and amortization
2,400
2,700
15,200
-
Other expenses
0
-1,700
-15,000
-
Depreciation and amortization
-
-
-
3,400
Other expenses
-
-
-
-3,300
Income tax expense
1,600
1,200
1,100
1,200
Net loss
-43,400
-35,800
-21,700
-37,500
Depreciation and amortization
2,400
2,700
2,600
3,400
Stock-based compensation
24,500
21,200
18,500
17,100
Amortization of bond discount
-
-
-5,800
-
Amortization of premium on bonds
1,100
-3,100
-
1,400
Provision for bad debt
6,300
5,900
8,000
5,200
Gain on early lease termination
-
-
0
2,300
Asset impairment charge
-
-
0
0
Premium receivable
47,600
52,700
15,000
53,800
Reinsurance recoverable
-13,400
-7,900
-14,300
-10,100
Prepaid reinsurance premium
1,400
-24,000
-55,500
-78,200
Deferred acquisition costs
1,900
2,100
-1,400
900
Other assets
400
-3,600
11,800
-1,400
Unpaid loss and loss adjustment expense
-1,300
5,700
-9,000
2,300
Unearned premium
-47,500
-37,200
-9,100
-58,400
Trade payables
0
1,900
-4,600
2,900
Funds held for reinsurance treaties
1,400
-17,900
-33,000
-37,600
Deferred ceding commission
900
-4,900
-11,800
-18,400
Ceded premium payable
-500
-2,800
4,900
-10,700
Other liabilities and accrued expenses
-2,200
6,800
14,700
-11,900
Net cash used in operating activities
-3,400
-600
20,700
4,500
Proceeds from short-term investments sold or matured
16,300
5,500
13,600
13,000
Proceeds from bonds sold or matured
224,900
124,600
83,500
135,500
Cost of short-term investments acquired
6,000
10,500
4,000
15,000
Cost of bonds acquired
262,800
150,700
108,900
191,000
Purchases of property and equipment
4,600
3,500
3,100
1,900
Net cash used in investing activities
-32,200
-34,600
-18,900
-59,400
Proceeds from borrowings under financing agreement
49,500
40,400
36,700
30,200
Payments on borrowings under financing agreement
22,700
18,900
17,600
14,700
Proceeds from stock exercises
1,400
4,700
19,400
8,500
Net cash provided by financing activities
28,200
26,200
38,500
24,000
Effect of exchange rate changes on cash, cash equivalents and restricted cash
1,200
-1,300
1,000
400
Net (decrease) increase in cash, cash equivalents and restricted cash
-6,200
-10,300
41,300
-30,500
Cash, cash equivalents and restricted cash at beginning of period
386,500
396,800
319,700
319,700
Cash, cash equivalents and restricted cash at end of period
380,300
386,500
396,800
355,500
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from borrowingsunder financing...$49,500K (37.12%↑ Y/Y)Proceeds from stockexercises$1,400K (-44.00%↓ Y/Y)Net cash provided byfinancing activities$28,200K (17.01%↑ Y/Y)Effect of exchange ratechanges on cash, cash...$1,200K (-83.33%↓ Y/Y)Canceled cashflow$22,700K Net (decrease)increase in cash, cash...-$6,200K (-109.35%↓ Y/Y)Canceled cashflow$29,400K Proceeds from bonds soldor matured$224,900K (67.96%↑ Y/Y)Proceeds from short-terminvestments sold or matured$16,300K (191.07%↑ Y/Y)Unearned premium-$47,500K (-42.64%↓ Y/Y)Stock-based compensation$24,500K (59.09%↑ Y/Y)Reinsurance recoverable-$13,400K (-197.78%↓ Y/Y)Provision for bad debt$6,300K (43.18%↑ Y/Y)Depreciation andamortization$2,400K (-48.94%↓ Y/Y)Funds held forreinsurance treaties$1,400K (-90.67%↓ Y/Y)Deferred cedingcommission$900K (-87.84%↓ Y/Y)Payments on borrowingsunder financing...$22,700K (56.55%↑ Y/Y)Net cash used ininvesting activities-$32,200K (-209.15%↓ Y/Y)Canceled cashflow$241,200K Net cash used inoperating activities-$3,400K (-161.82%↓ Y/Y)Canceled cashflow$96,400K Total revenue$294,400K (79.40%↑ Y/Y)Cost of bondsacquired$262,800K (159.68%↑ Y/Y)Cost of short-terminvestments acquired$6,000K (-10.45%↓ Y/Y)Purchases of property andequipment$4,600K (119.05%↑ Y/Y)Premium receivable$47,600K (42.94%↑ Y/Y)Net loss-$43,400K (1.14%↑ Y/Y)Other liabilities andaccrued expenses-$2,200K (-115.07%↓ Y/Y)Deferred acquisitioncosts$1,900K (58.33%↑ Y/Y)Prepaid reinsurancepremium$1,400K (-92.27%↓ Y/Y)Unpaid loss and lossadjustment expense-$1,300K (-152.00%↓ Y/Y)Amortization of premium onbonds$1,100K (-26.67%↓ Y/Y)Ceded premium payable-$500K (-114.29%↓ Y/Y)Other assets$400K (-33.33%↓ Y/Y)Canceled cashflow$294,400K Less loss and lossadjustment expenses, net$154,000K (98.71%↑ Y/Y)Advertising expenses$64,400K (29.58%↑ Y/Y)General andadministrative$38,400K (33.33%↑ Y/Y)Technology development$30,000K (33.93%↑ Y/Y)Other insuranceexpense$26,700K (24.77%↑ Y/Y)Sales and marketing$13,300K (34.34%↑ Y/Y)Interest expense$7,000K (75.00%↑ Y/Y)Depreciation andamortization$2,400K (-48.94%↓ Y/Y)Income tax expense$1,600K (23.08%↑ Y/Y)
lemonade-svg copy-svg

Lemonade, Inc. (LMND)

lemonade-svg copy-svg

Lemonade, Inc. (LMND)