Viewing profile — Abalancedview

Thank you, I have read through your analysis as well and think it has a lot of interesting points. Regarding retention, I chose to not incorporate regulatory or underwriting risk d…

Thanks! After drafting & reading S-1s for years, my superpower is skimming through quickly :) On your first point, Lemonade's loss ratios are currently higher than industry average…

Yup, Lemonade is certainly has the advantage of being more flexible and nimble. I've spoken / worked with larger insurers and they are hampered by the amount of manual processes an…

Very insightful questions, my thoughts below: The institutional investors whom Lemonade's exec team will be pitching to on the road show in a few weeks will be long-term focused. T…

Hi all, I think this thread has been full of great discussion, and there has been many questions surrounding Lemonade's financials and strategy. I am a former investment banker, an…

Unfortunately their LTV / Cac is terrible, I've provided a full teardown on what parts of the S-1 trouble me the most (unit economics and revenue growth). https://balancedview.subs…