The filing content provided is very extensive but appears to be cut off before the financial statements and MD&A sections. However, there is sufficient substantive disclosure content (well over 150 words) to proceed with coverage based on what is available, including the cover page details and filing structure.

Lemonade, Inc. filed its quarterly report on Form 10-Q with the U.S. Securities and Exchange Commission on November 5, 2026, covering the fiscal quarter ended September 30, 2026.

Key Highlights

  • Shares outstanding: As of November 4, 2026, Lemonade had 77,921,214 shares of common stock, $0.00001 par value per share, outstanding.
  • Filer classification: The registrant is classified as a large accelerated filer, according to the filing.
  • Reporting period: The quarterly report covers the three and nine months ended September 30, 2026, with comparative periods for 2025.
  • Exchange listing: Common stock is listed on the New York Stock Exchange under the trading symbol LMND (NYSE:LMND).
  • Shell company status: The registrant indicated it is not a shell company as defined in Rule 12b-2 of the Exchange Act.
  • Forward-looking statements: The filing contains forward-looking statements that the company notes are subject to known and unknown risks and uncertainties, including its history of losses and the possibility that it may not achieve or maintain profitability.

Lemonade's September 2026 Quarterly Disclosure: Filing Details and Key Risk Themes

Lemonade, Inc. (NYSE:LMND), the Delaware-incorporated insurance technology company headquartered at 5 Crosby Street, 3rd Floor, New York, New York 10013, submitted its Form 10-Q for the quarterly period ended September 30, 2026 to the Securities and Exchange Commission. The filing covers condensed consolidated financial statements for the three and nine months ended September 30, 2026, alongside comparative figures for the same periods in 2025, according to the filing's table of contents.

The company disclosed that as of November 4, 2026, there were 77,921,214 shares of common stock outstanding at a par value of $0.00001 per share. The filing confirmed that Lemonade qualifies as a large accelerated filer under Rule 12b-2 of the Exchange Act, and that it is not an emerging growth company. The registrant also confirmed it has filed all required reports during the preceding 12 months and has submitted all required Interactive Data Files electronically.

The filing's cautionary language identifies a range of risk factors, including the company's "history of losses" and the uncertainty of whether it will "achieve or maintain profitability in the future." Additional risks cited by the company include competition in the insurance industry, reliance on proprietary artificial intelligence algorithms, dependence on third-party service providers, the need to maintain risk-based capital at required regulatory levels, and potential impacts from macroeconomic conditions such as inflation and changes in trade policy. The company noted that forward-looking statements in the filing "speak only as of the date of this Quarterly Report" and are subject to factors that could cause actual results to differ materially.

What Was Disclosed

Lemonade, Inc. filed a Form 10-Q for the quarter ended September 30, 2026, reporting 77,921,214 shares outstanding as of November 4, 2026, its large accelerated filer status, and a range of risk factors including an ongoing history of losses.