What guidance did management provide for Q3 2025 and full‑year 2025 earnings, revenue, and cash flow? | LMND (Aug 06, 2025) | Candlesense

What guidance did management provide for Q3 2025 and full‑year 2025 earnings, revenue, and cash flow?

Answer

The news release you provided contains only the following information:

  • Lemonade, Inc. (NYSE: LMND) has posted its second‑quarter 2025 financial results on its website (the “Q2 2025 Letter to Shareholders”).
  • A conference call to discuss those results is scheduled for 8:00 a.m. Eastern (5:00 a.m. Pacific), with dial‑in numbers and a webcast link.

What’s missing:

The release does not include any figures or statements about the company’s guidance for Q3 2025 or for the full‑year 2025—specifically, it does not provide:

  • Expected earnings (e.g., net income or adjusted EBITDA) for Q3 2025 or the full year.
  • Anticipated revenue for Q3 2025 or the full year.
  • Projected cash‑flow metrics (e.g., operating cash flow, free cash flow) for Q3 2025 or the full year.

How to obtain the guidance

Because the guidance details are not in the excerpt you shared, you’ll need to look at the primary source where Lemonade typically discloses forward‑looking information:

  1. Q2 2025 Letter to Shareholders – The full letter (often posted as a PDF on Lemonade’s investor‑relations site) usually contains a “Management Outlook” or “Guidance” section with the Q3 2025 and full‑year 2025 expectations.
  2. Conference call transcript or replay – Management often reiterates or expands on guidance during the earnings call. The transcript will capture any statements made by the CEO, CFO, or other executives.
  3. Form 10‑Q filing for Q2 2025 – The SEC filing for the quarter often includes a “Management’s Discussion and Analysis” (MD&A) that contains forward‑looking guidance.
  4. Press release or investor presentation – Occasionally, companies issue a separate “Guidance Update” press release or include guidance slides in the webcast presentation.

Next steps you can take

  • Visit Lemonade’s Investor Relations website and locate the Q2 2025 results package (press release, letter to shareholders, and accompanying presentation). Look for a slide or section titled “Guidance,” “Outlook,” or “Management Expectations.”
  • If the guidance was not disclosed in the Q2 2025 materials, it may be provided later in the conference call. You can either:
    • Listen to the live webcast (or the archived recording) at the link mentioned in the release.
    • Read the call transcript—often posted on the same investor‑relations page shortly after the call.
  • Check Lemonade’s SEC filings (e.g., the Form 10‑Q for Q2 2025) via the SEC’s EDGAR database; the MD&A section frequently contains forward‑looking statements.

Bottom line

Based solely on the excerpt you shared, there is no guidance data for Q3 2025 or the full‑year 2025 earnings, revenue, or cash flow. To answer the question accurately, you’ll need to consult the full Q2 2025 Letter to Shareholders, the earnings‑call transcript, or the related SEC filing where Lemonade’s management would have disclosed those forward‑looking metrics.

Other Questions About This News

Are there any changes to the company's AI or automation initiatives that could improve operational efficiency or risk assessment? What was the change in gross profit margin and loss ratio versus the prior quarter and year‑over‑year? What is the expected impact of the Q2 results on the company’s growth trajectory and long‑term strategic plan? What is the current churn rate and customer acquisition cost, and are there any trends in policy growth or retention? Did management address any guidance on capital raise, share buybacks, or dividend policy? What new products, markets, or partnerships were announced, and how might they affect future revenue streams? What was the impact of any recent regulatory changes or insurance‑industry trends on Lemonade’s underwriting performance? How did Lemonade's Q2 2025 revenue and earnings compare to consensus analyst estimates? How might the Q2 results and guidance affect the stock’s valuation multiples (P/E, P/Revenue) and target price? How did underwriting profit and expense ratio trend and what impact does that have on profitability outlook? How does Lemonade’s Q2 performance compare to its main competitors (e.g., Hippo, Root, or traditional insurers) in terms of growth and profitability? What is the stock’s expected reaction to the earnings release and guidance—will we see volatility or a sustained trend? What is the outlook for claim frequency and severity in the next quarters, and how might that affect the loss ratio? Did the company's balance sheet show any significant changes in cash, debt, or liquidity that could affect capital allocation?