If you regularly invest in stocks, you have probably heard about the “sale in May and leave” saying. It came because S & P 500 It usually transmits weaker revenues during the six-October period during the six months, compared to November and April.
Seasonality is likely to blame. There are fewer trading activities in hot spring and summer months, as Wall Street Bankers and Fund Managers are a temporary time, very similar to everyone. However, according to the Corporate Finance Institute, the S & P 500 is refunded on average in May-October of each year, dates back to 1945 positive Return
Therefore, selling in May will lead to a worse return in the long run than to stay in the market. That’s why investors can wish buy The shares of this month, especially since trading the S & P 500 with an 8% discount on all its time, based on the tension of global trade.
Cithemade(NYSE: LMND) account is one stock. The company continues to implement strong financial results, which are guided by its artificial intelligence (AI) – Hope Insurance business, and it plans to decline its business in the coming years.
Image source: Getty Images.
Deal with traditional Insurance companies can disappoint. The request process may include several phone calls and long-standing periods, adding an emphasis to a difficult situation. Lemonade changes that by placing AI in the Customer Attempt Center. It developed two chat rooms, Maya, which can write quotes in 90 seconds, through the company’s website and Jim, which can be developed in three minutes without human intervention. Jim has even set a new record in 2023 when it only solved the real demand in two seconds.
Currently, Lemonade offers tenants, homeowners, life, pets and car insurance, and its AI’s working strategy is resonant, as the company registered 2.5 million clients at the end of the first quarter of 2025 (March 31 ended).
But lemonade also uses Ai In other ways behind the scenes. To calculate the most accurate premium, the cost of life (LTV) predict how likely each customer is to have a claim, to change and buy multiple policies. Lemonade’s AI models also help identify therapy products and (or) geographical markets, so the company can maximize it without maximizing its marketing costs.
For the first time in the first quarter, for the first time, the production of lemonade was first led first. During the sixth consecutive quarter, the growth of its year has accelerated by 27%. IFP is the cost of all the promise of all obvious policy, so it is one of the most important means of success for the insurance company.
Moreover, the ratio of 12-month-old gross loss to Lononade continued to decrease in a year than the first quarter, with 73%. This represents the share of premiums, which the company has been paid as requirements. Management believes that 75% are Prosperous insurance business threshold, and the lower the money lemonade pocket than income (profit).
After removing the cost of the premium, which lemonade is inferior to other insurers to mitigate the risk, its Q1 revenue has recorded a record of $ 151.2 million. It increased by 27% by the end of the year, and it was conveniently beaten by $ 145 million. At the back of a strong result, the company increased its leadership for the whole year of 2025. Now it expects the total income (in the middle of the range) compared to 556 million.
But it was not a good news in Q1. Lemonadi’s losses for adjusted earnings before interest, taxes, devaluation and depreciation (EBITDA) increased by 38% to $ 47 million due to devastating fires in California, which involve $ 22 million. For the most part, Lemonade losses have been lower in the last few years, which is great news. But the insurance industry can be unstable, so the company fences its risk, giving way to other providers of some of its bonuses.
Investors should not immediately worry about higher loss of Q1, especially since the management still believes that lemonade can reach up to 2026.
The lemonade lasted for about a decade to achieve 1 billion of EPP. Now management thinks that in the next decade it can reach $ 10 billion in IFP, emphasizing how fast the business is scale.
Investors have an opportunity to buy lemonia shares in 2021 today. During technical fury, 81% are set.
It is the cheapest level, because the lemonade was in public, and it was a part where it was only a few years ago.
The $ 10 billion road in IFP will not be perfectly flat because lemonade is still expanding rapidly. It insures customers in the United States, except for the United Kingdom and three European countries, but plans to expand dozens of other markets. Every time the lemonade enters a new country or launches a new product, its gross loss ratio will stand up to the top pressure, as it takes time to reach a scale.
It can flow through the company’s income and earnings, so investors must pass a very long-term remark (five years or more) to smooth the noise. But for those who are patient, the lemonade has large revenues on the road to $ 10 billion in IFP.
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