Profitability
Weight: 25%
D-
30
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -11.9%
- Operating Margin Trend +39.64 pp/yr
LMND
Lemonade, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
3
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -46.3%
- 5yr Share-Count CAGR 4.1%
Growth Quality
Weight: 10%
F
7
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -26.7%
- 5yr EPS CAGR 0.0%
- Positive-EPS Years (5) 0/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.00x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 27.7%
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
A-
83
- EPS Volatility (σ/μ) 0.00
- Piotroski F-Score 4
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 2 added; 3 trimmed.
- Holders
- 5
- Avg Δ position
- +31.4%
- New buys
- 0
- Full exits
- 0
- Wood increased +248%
- Greenblatt decreased -55%
- Cooperman decreased -37%