Root is a disruptive insurance company that leverages technology and data science to offer fair, personalized car insurance rates based on driving behaviors, not demographics. The company has revolutionized the insurance industry with its mobile app experience, proprietary claims system, and advanced machine learning techniques.

Alex Timm

Dan Manges

Matt Armstead

Root Insurance Company

Lemonade, Inc. provides various insurance products in the United States and Europe. Its insurance products include stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. The company also offers renters, homeowners, pet, car, and life insurance products, as well as landlord insurance policies. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. and changed its name to Lemonade, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.

Shai Wininger

Thomas Zawacki

Daniel Schreiber

Lemonade, Inc.

Rest Secured Insurance provides insurance services focused on securing peace of mind for clients.

Rest Secured Insurance

Luko is a neo-insurance startup that is reinventing home insurance with simplicity, transparency, and intelligence. It offers fully digital insurance experience and 'plug & play' devices for home protection.

Metric
Company Name	Root Insurance Company	Lemonade, Inc.	Rest Secured Insurance	Luko
Symbol		LMND
MSH ID	COM:JOINROOT	COM:LEMONADE	COM:RESTSECUREDINSURANCE	EU:LUKO
Market	PRIVATE	STOCKS	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services	Financial Services & Finance	Financial Services & Finance
Industry	Insurance	Insurance - Property & Casualty	Insurance	Insurance
Country		US	US	FR
Stage		Post-IPO Equity		Series B
Employee Count	501	1.26K		235
Website	joinroot.com	lemonade.com	restsecuredinsurance.com	luko.eu
LinkedIn				luko
Founders

Metric
Market Cap	1.30B
Enterprise Value
Monthly Web Traffic	1.93M	476.91K
Web Traffic Growth	-0.14	-0.06
Valuation
Raised Capital	150M	60.55M

Metric
Revenue		360M
Revenue (LTM)
Revenue (NTM)
Gross Profit		360M
EBITDA		20M
Operating Income
Net Income		-236.90M
EPS		-3.40
Diluted EPS		-3.40
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		1.04
Operating Profit Margin		-0.46
EBITDA Margin		0.06
Net Profit Margin		-0.48
Return on Equity		-0.30
Return on Assets		-0.12
Return on Capital Employed		-0.12

COM:JOINROOT

Root Insurance Company

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		-4.14
P/B Ratio		1.47
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		4.03
EV Multiple		-7.63

Metric
Days Sales Outstanding		337.56
Days Payables Outstanding
Days Inventory Outstanding		14.45K
Operating Cycle		14.86K
Cash Conversion Cycle		15.62K
Asset Turnover		0.32

Metric
Operating Cash Flow		-119.10M
Free Cash Flow		-128.30M
Cash Flow to Debt
Operating Cash Flow/Sales		-0.12
Free Cash Flow Yield		-0.13

Metric
Cash & Equivalents		271.50M
Accounts Receivable		-32.10M
Inventory		-1.32B
Goodwill		19M
Debt to Capitalization		0.15
Debt to Assets		0.02
Current Ratio		13.71
Quick Ratio		11.96

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.15
R&D to Revenue		0.25
SG&A to Revenue		0.33