Lemonade’s AI Push Drives 140% Stock Surge and a Fresh $7 Million Fund Investment

16 hours ago 1

Jonathan Ponciano, The Motley Fool

Tue, February 3, 2026 astatine 8:32 AM CST 4 min read

On February 2, Privium Fund Management B.V. disclosed buying 103,259 shares of Lemonade (NYSE:LMND), an estimated $6.94 cardinal transaction based connected quarterly mean pricing.

According to a SEC filing dated February 2, Privium Fund Management B.V. accrued its presumption successful Lemonade by 103,259 shares during the 4th fourth of 2025. The estimated worth of this commercialized was $6.94 million, calculated utilizing the mean closing terms for the quarter. As a result, the fund’s involvement astatine quarter-end totaled 248,259 shares with a reported worth of $17.67 million. The position’s worth accrued by $9.91 cardinal from the erstwhile quarter, reflecting some further purchases and stock terms movement.

The fund’s Lemonade presumption roseate to 3.25% of 13F AUM aft the buy.

Top holdings aft the filing:

NASDAQ: TSLA: $102.76 cardinal (18.9% of AUM)
NASDAQ: SHOP: $66.00 cardinal (12.2% of AUM)
NYSE: SPOT: $39.49 cardinal (7.3% of AUM)
NASDAQ: PLTR: $35.55 cardinal (6.5% of AUM)
NASDAQ: AMZN: $27.93 cardinal (5.1% of AUM)

As of February 2, Lemonade shares were priced astatine $80.57, up 142.9% implicit the past twelvemonth and importantly outperforming the S&P 500’s astir 15% summation successful the aforesaid period.

Metric

Value

Revenue (TTM)	$658.60 million
Net income (TTM)	($173.80 million)
Market capitalization	$6.02 billion
Price (as of 2/2/26)	$80.57

Lemonade offers renters, homeowners, pet, car, life, and landlord security products, generating gross chiefly done security premiums and cause commissions.
The institution operates a digital-first, direct-to-consumer security platform, leveraging exertion and artificial quality to streamline argumentation issuance and claims processing.
It serves individuals and spot owners successful the United States and Europe, targeting digitally engaged consumers seeking transparent and user-friendly security solutions.

Lemonade is simply a technology-driven security institution focused connected spot and casualty coverage, with a increasing beingness successful some the U.S. and European markets. The institution differentiates itself done a afloat integer platform, aiming to present fast, efficient, and customer-centric security experiences. Its strategy centers connected leveraging artificial quality and automation to trim costs, amended underwriting accuracy, and heighten lawsuit satisfaction.

Lemonade is pairing maturation with discipline, and the latest net made that hard to ignore. In the 3rd quarter, in-force premiums climbed 30% twelvemonth implicit twelvemonth to $1.16 billion, portion gross nett much than doubled to $80 cardinal and margins expanded to 41%, up from 27% a twelvemonth earlier. That operation explains wherefore shares person surged astir 40% since the report.

Loss ratios continued to amended crossed the book, with the gross nonaccomplishment ratio falling to 62% and adjusted EBITDA narrowing to a $26 cardinal nonaccomplishment from $49 cardinal past year. Just arsenic important, Lemonade generated $18 cardinal successful adjusted escaped currency flow, reinforcing management’s assertion that standard and AI-driven automation are starting to crook the outgo curve successful a structurally meaningful way.

Seen successful context, this presumption fits a portfolio already dense successful growth-oriented, volatility-tolerant names similar Tesla, Shopify, and Palantir. Lemonade present represents conscionable implicit 3% of assets, sizable capable to substance but not dominant. Ultimately, Lemonade is inactive risky, but the concern is proving it tin turn premiums accelerated portion steadily shrinking losses, and that is the benignant of setup that tin warrant paying attraction adjacent aft a crisp rally.