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Lemonade | 10-K: FY2023 Annual Report
Lemonade | 10-K: FY2023 Annual Report
Lemonade | 10-K:2023財年年報
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Lemonade, a tech-driven insurance company, has reported significant growth in its financial performance for the year ended December 31, 2023. The company's total revenue surged by 67% to $429.8 million, with net earned premium increasing by 83% to $315.2 million. This growth is attributed to an increase in gross written premium by 33% to $738.4 million, driven by a 12% increase in net added customers and a 7% rise in premiums per customer. The acquisition of Metromile, a digital insurance platform, has also contributed to Lemonade's expansion. Despite the revenue growth, Lemonade reported a net loss of $236.9 million, which is a 20% improvement from the previous year's net loss of $297.8 million. The company's business development has been robust, with the integration of Metromile and the launch...Show More
Lemonade, a tech-driven insurance company, has reported significant growth in its financial performance for the year ended December 31, 2023. The company's total revenue surged by 67% to $429.8 million, with net earned premium increasing by 83% to $315.2 million. This growth is attributed to an increase in gross written premium by 33% to $738.4 million, driven by a 12% increase in net added customers and a 7% rise in premiums per customer. The acquisition of Metromile, a digital insurance platform, has also contributed to Lemonade's expansion. Despite the revenue growth, Lemonade reported a net loss of $236.9 million, which is a 20% improvement from the previous year's net loss of $297.8 million. The company's business development has been robust, with the integration of Metromile and the launch of new insurance products. Lemonade's future plans include continued investment in sales and marketing growth efforts, supported by a financing agreement with GC Customer Value Arranger, LLC, providing up to $150 million of financing. The company also entered into an Amended Agreement for an additional $140 million of financing for sales and marketing efforts through December 31, 2025. Lemonade's reinsurance strategy has been adjusted, with a decrease in the share of proportional reinsurance from 75% to 55%, and the implementation of a new reinsurance program to protect against natural catastrophe risk in the U.S. The company's customer base has grown to 2,026,918, with an in-force premium of $747.3 million and an annual dollar retention rate of 87%. Lemonade's adjusted EBITDA for the year was a loss of $172.6 million, a 23% improvement from the previous year.
Lemonade是一家科技驅動的保險公司,報告顯示,截至2023年12月31日的一年中,該公司的財務業績顯著增長。其總營業收入激增67%至429.8百萬美元,淨賺保費增長83%至315.2百萬美元。這種增長歸因於總承保保費增長33%至7,384百萬美元,其中包括12%的新增客戶增加和7%的每位客戶保費上漲。數字保險平台Metromile的收購也爲Lemonade的業務擴張做出了貢獻。儘管營業收入增長,但Lemonade報告的淨虧損爲2,369萬美元,這是上一年度淨虧損2,978萬美元的20%的改善。Lemonade的業務發展強勁,Metromile的整合和新保險產品的推出爲公司貢獻了很多。Le...展開全部
Lemonade是一家科技驅動的保險公司,報告顯示,截至2023年12月31日的一年中,該公司的財務業績顯著增長。其總營業收入激增67%至429.8百萬美元,淨賺保費增長83%至315.2百萬美元。這種增長歸因於總承保保費增長33%至7,384百萬美元,其中包括12%的新增客戶增加和7%的每位客戶保費上漲。數字保險平台Metromile的收購也爲Lemonade的業務擴張做出了貢獻。儘管營業收入增長,但Lemonade報告的淨虧損爲2,369萬美元,這是上一年度淨虧損2,978萬美元的20%的改善。Lemonade的業務發展強勁,Metromile的整合和新保險產品的推出爲公司貢獻了很多。Lemonade的未來計劃包括持續投資於銷售和營銷增長,GC Customer Value Arranger,LLC提供多達1.5億美元的融資支持。該公司還達成了一項修訂協議,提供1.4億美元的額外融資,用於營銷至2025年12月31日。Lemonade的再保險策略已經調整,其中比例再保險份額從75%降至55%,並實施新的再保險計劃以保護針對美國自然災害的風險。該公司的客戶基礎已經增至2,026,918人,保險有效保費爲7,473萬美元,年度保留率爲87%。Lemonade的調整後的EBITDA爲1,726萬美元的虧損,比上年度改善了23%。
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譯文內容由第三人軟體翻譯。
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
風險及免責聲明
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
我知道了
風險及免責聲明
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
我知道了
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