Lemonade Stock | Why We're Avoiding LMND

Описание: Lemonade stock is trading at half of what institutional investors were willing to pay during the 2020 LMND stock debut. There's a reason for that. Lemonade isn't an insurance company because the most important attributes of an insurance stock - return on float and underwriting profits - are missing from Lemonade's business model. Instead, they think that giving money to charity will somehow keep the bad guys from filing fraudulent claims. If you're looking for exposure to the insurance companies, buy one of several dividend champions like Chubb or Aflac. Better yet, just buy shares in an insurance ETF. $LMND stock may be valued about the same as the cash and investment on their books, and there's a reason for that. Until they can get their combined ratio under 100%, Lemonade's business will never be profitable.

RESEARCH PIECES USED IN THIS VIDEO:
1. Insurance Provider Lemonade Offers Stock in IPO
https://www.nanalyze.com/2020/06/insu...
2.Metromile Stock: A Pay-Per-Mile InsurTech
https://www.nanalyze.com/2021/07/metr...
3. 10 Artificial Intelligence Startups in Insurance
https://www.nanalyze.com/2017/05/10-a...
4. How Technology Will Affect Big Insurance Companies
https://www.nanalyze.com/2018/08/tech...

CHAPTERS:
Intro
What Lemonade does
Intro to the insurance industry
Insurance in recessions
Lemonade isn't an insurance company
LMND's combined ratio problem
Lemonade loves giving
Lemonade acquires Metromile
$LMND stock valuation
Conclusion

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