On the stock market since 2020, it operates in the world of money and finance. It has 1,282 employees. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
Average growth of 55% a year over the last 4 years. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades 30% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 42% a year on average.
The company sells $737.9M a year; the problem isn’t sales — it’s costs running above that number.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
A loss of $165.5M against $737.9M in annual sales.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 1/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 6/100.
On our five-subject report card, LMND sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: LMND has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.