柠檬保险 LMND
$39.55 −$1.93 (-4.65%)
休市 · Nov 6, 10:10 pm ET · 最新盘后价 $39.70 +0.38%
开盘$41.86
昨收$41.48
当日区间$39.11 – $41.88
成交量1.69M
市值$3.08B
市盈率（TTM）–
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$294.40M+79.4% YoY
净利润-$43.40M+1.1% YoY
摊薄每股收益-$0.56+6.7% YoY
自由现金流-$8.00M-335.3% YoY
经营现金流-$3.40M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率-14.2%
净资产收益率-27.0%
资产收益率-7.0%
负债/资产比率75.2%
总负债$226.40M
自由现金流/营收0.8%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $294.40M | $258.00M | $737.90M | $228.10M | $194.50M |
| 营业总收入 | $294.40M | $258.00M | $737.90M | $228.10M | $194.50M |
| 已赚保费合计 | $252.00M | $212.60M | $536.30M | $179.50M | $140.00M |
| -净承保保费 | $298.10M | $274.00M | $763.50M | $244.10M | $276.60M |
| -未到期保费净准备增减 | -$46.10M | -$61.40M | -$227.20M | -$64.60M | -$136.60M |
| 手续费收入及其他收入 | $32.70M | $35.60M | $163.80M | $39.40M | $44.80M |
| -手续费及佣金 | $32.70M | $35.60M | $163.80M | $39.40M | $44.80M |
| 净投资收益 | $7.80M | $7.70M | $29.60M | $7.30M | $7.60M |
| 利息收入 | $1.90M | $2.10M | $8.20M | $1.90M | $2.10M |
| 总费用 | $336.20M | $292.60M | $898.80M | $248.70M | $230.80M |
| 理赔费用 | $180.70M | $157.40M | $408.60M | $84.50M | $113.70M |
| 销售及管理费用 | $125.50M | $108.30M | $364.20M | $107.30M | $92.40M |
| -销售及营销费用 | $77.70M | $66.10M | $224.40M | $64.20M | $57.40M |
| -管理费用 | $47.80M | $42.20M | $139.80M | $43.10M | $35.00M |
| 其他营业费用 | $30.00M | $26.90M | $93.90M | $24.80M | $24.70M |
| 税前利润 | -$41.80M | -$34.60M | -$160.90M | -$20.60M | -$36.30M |
| 税费 | $1.60M | $1.20M | $4.60M | $1.10M | $1.20M |
| 净利润 | -$43.40M | -$35.80M | -$165.50M | -$21.70M | -$37.50M |
| 持续经营利润 | -$43.40M | -$35.80M | -$165.50M | -$21.70M | -$37.50M |
| 归属母公司净利润 | -$43.40M | -$35.80M | -$165.50M | -$21.70M | -$37.50M |
| 归属普通股股东净利润 | -$43.40M | -$35.80M | -$165.50M | -$21.70M | -$37.50M |
| 基本每股收益 | -$0.56 | -$0.47 | -$2.24 | -$0.28 | -$0.51 |
| 摊薄每股收益 | -$0.56 | -$0.47 | -$2.24 | -$0.28 | -$0.51 |
| 保单获取费用 | – | – | $32.10M | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $2.01B | $1.96B | $1.93B | $1.93B | $1.92B |
| 现金及现金等价物 | $367.60M | $374.30M | $385.00M | $385.00M | $345.90M |
| 受限现金及现金等价物 | $12.70M | $12.20M | $11.80M | $11.80M | $9.60M |
| 投资合计 | $777.70M | $751.30M | $729.40M | $729.40M | $705.30M |
| -短期投资 | $192.30M | $203.50M | $722.90M | $722.90M | $240.90M |
| -股权投资 | $585.40M | $547.80M | – | – | $464.40M |
| 应收款 | $622.50M | $594.60M | $567.90M | $567.90M | $563.00M |
| -应收账款 | $622.50M | $594.60M | $555.70M | $555.70M | $563.00M |
| 固定资产净值 | $18.90M | $16.70M | $35.60M | $35.60M | $15.30M |
| 商誉及其他无形资产 | $27.10M | $27.10M | $27.10M | $27.10M | $27.10M |
| -商誉 | $19.00M | $19.00M | $19.00M | $19.00M | $19.00M |
| -其他无形资产 | $8.10M | $8.10M | $8.10M | $8.10M | $8.10M |
| 预付资产 | $125.30M | $123.90M | $155.70M | $155.70M | $203.40M |
| 递延保单获取成本 | $16.10M | $14.20M | $12.10M | $12.10M | $13.50M |
| 其他资产 | $44.00M | $43.60M | $1.10M | $1.10M | $35.70M |
| 负债合计 | $1.51B | $1.44B | $1.39B | $1.39B | $1.40B |
| 保单持有人负债 | $975.40M | $928.60M | $883.90M | $883.90M | $886.40M |
| 存款合计 | $153.00M | $151.60M | $169.50M | $169.50M | $202.50M |
| 应付款 | $74.00M | $75.70M | $70.00M | $70.00M | $75.40M |
| -应付账款 | $27.80M | $31.60M | $26.90M | $26.90M | $27.00M |
| -应付税款合计 | $21.00M | $19.80M | $22.40M | $22.40M | $18.20M |
| -其他应付款 | $25.20M | $24.30M | $20.70M | $20.70M | $30.20M |
| 一年内应计费用 | $39.30M | $30.70M | $33.70M | $33.70M | $24.70M |
| 长期债务及融资租赁负债 | $226.40M | $200.40M | $182.10M | $182.10M | $151.70M |
| -长期债务 | $206.40M | $179.60M | $158.10M | $158.10M | $139.00M |
| -长期融资租赁负债 | $20.00M | $20.80M | $24.00M | $24.00M | $12.70M |
| 员工福利 | $10.10M | $19.60M | $14.70M | $14.70M | $11.90M |
| 一年以上递延负债 | $34.20M | $33.30M | $38.20M | $38.20M | $50.00M |
| 股东权益合计 | $499.50M | $518.00M | $533.60M | $533.60M | $516.20M |
| 股东权益 | $499.50M | $518.00M | $533.60M | $533.60M | $516.20M |
| 股本 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| -普通股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $2.04B | $2.02B | $1.99B | $1.99B | $1.95B |
| 留存收益 | -$1.54B | -$1.50B | -$1.46B | -$1.46B | -$1.44B |
| 不影响留存收益的损益 | -$300,000.00 | $700,000.00 | $6.40M | $6.40M | $5.20M |
| -其他投资资产 | – | – | $6.50M | $6.50M | – |
| -其他应收款 | – | – | $12.20M | $12.20M | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | -$3.40M | -$600,000.00 | -$16.50M | $20.70M | $4.50M |
| 持续经营经营活动现金流净额 | -$3.40M | -$600,000.00 | -$16.50M | $20.70M | $4.50M |
| 持续经营净利润 | -$43.40M | -$35.80M | -$165.50M | -$21.70M | -$37.50M |
| 其他非现金项目 | $6.30M | $5.90M | $19.80M | $8.00M | $2.90M |
| 营运资金变动 | $7.90M | $6.70M | $58.50M | $14.70M | $20.00M |
| -应收款变动 | -$34.20M | -$44.80M | -$106.20M | -$700,000.00 | -$43.70M |
| -预付资产变动 | -$1.40M | $24.00M | $105.70M | $55.50M | $78.20M |
| -赔款及理赔费用准备变动 | -$1.30M | $5.70M | $5.00M | -$9.00M | $2.30M |
| -递延获取成本变动 | -$1.90M | -$2.10M | $100,000.00 | $1.40M | -$900,000.00 |
| -应付账款及应计费用变动 | -$500,000.00 | -$900,000.00 | -$3.90M | $300,000.00 | -$7.80M |
| -预留资金变动 | $1.40M | -$17.90M | -$50.10M | -$33.00M | -$37.60M |
| -未到期保费变动 | $47.50M | $37.20M | $122.00M | $9.10M | $58.40M |
| -其他流动资产变动 | -$400,000.00 | $3.60M | -$8.20M | -$11.80M | $1.40M |
| -其他流动负债变动 | -$2.20M | $6.80M | $21.50M | $14.70M | -$11.90M |
| -Change in Other Working Capital | $900,000.00 | -$4.90M | -$27.40M | -$11.80M | -$18.40M |
| 投资活动现金流净额 | -$32.20M | -$34.60M | -$89.10M | -$18.90M | -$59.40M |
| 持续经营投资活动现金流净额 | -$32.20M | -$34.60M | -$89.10M | -$18.90M | -$59.40M |
| 固定资产购置及出售净额 | -$4.60M | -$3.50M | -$9.40M | -$3.10M | -$1.90M |
| 投资购置及出售净额 | -$27.60M | -$31.10M | -$79.70M | -$15.80M | -$57.50M |
| 筹资活动现金流 | $28.20M | $26.20M | $106.60M | $38.50M | $24.00M |
| 持续经营筹资活动现金流净额 | $28.20M | $26.20M | $106.60M | $38.50M | $24.00M |
| Net Issuance Payments of Debt | $26.80M | $21.50M | $74.70M | $19.10M | $15.50M |
| 股票期权行使所得 | $1.40M | $4.70M | $31.90M | $19.40M | $8.50M |
| 期末现金余额 | $380.30M | $386.50M | $396.80M | $396.80M | $355.50M |
| 现金净变动 | -$7.40M | -$9.00M | $1.00M | $40.30M | -$30.90M |
| 期初现金余额 | $386.50M | $396.80M | $385.70M | $355.50M | $386.00M |
| 汇率变动影响 | $1.20M | -$1.30M | $10.10M | $1.00M | $400,000.00 |
| 自由现金流 | -$8.00M | -$4.10M | -$25.90M | $17.60M | $2.60M |
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