Liron Smadja

551 posts

Liron Smadja banner
Liron Smadja

Liron Smadja

@smadja

¿ʇɥƃıɹ sıɥʇ ƃuıop ı ɯɐ

Katılım Mart 2009
401 Takip Edilen1.3K Takipçiler
Liron Smadja retweetledi
Lemonade
Lemonade@Lemonade_Inc·
Our first Drop Shop release is with New York-based artist, Jon Burgerman. We took an emergency icon and flipped the script: this one is for display, not for use. Each limited edition extinguisher showcases Burgerman’s unmistakable style, with bragging rights baked in. Shop the drop at dropshop.lemonade.com 🌭
Lemonade tweet mediaLemonade tweet media
English
2
1
36
3.7K
Liron Smadja retweetledi
Daniel Schreiber
Daniel Schreiber@daschreiber·
Many insurers are issuing AI press releases. It's all very exciting. So at @lemonade_inc we built an AI BS detector: three KPIs, public data, no spin. It won't boost our popularity. It might boost your returns. lemonade.com/blog/why-incum…
Daniel Schreiber tweet media
English
26
58
373
107.1K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
Presenting @Lemonade_Inc’s Q4 2025: our strongest quarter ever! Recommended: Play this while reading- open.spotify.com/track/0FYdQA9F… Highlights (Y/Y) 🚀 9th consecutive quarter of accelerating growth 💵 $1.24 billion top line (+31%) 🔥 Revenue: up 53% 🔥 Gross profit: up 73% 🔥 Cash flow: generated $37m (adj. FCF) 🔥 ~3m customers 🔥 Adj. EBITDA loss improved 81%, now just -$5m Car and Autonomous ✅ Lemonade Car grew 53%, now at $187m ✅ Loss ratio: 70% (TTM, down 23 points) ✅ Launched Autonomous Car Insurance for @tesla FSD (Supervised) Europe ✅ Grew 150% ✅ 10th consecutive quarter of triple digit growth ✅ Loss ratio: 64% AI Spotlight ✅ In the last 13 quarters- headcount shrunk 6%, while adding 1.2m customers ✅ 68% reduction in Pet cost-per-claim: from $44 in 2021, to $14 now ✅ Claims LAE at a record 6% (vs. 9% industry avg.) More... ✅ Record breaking LMND gross loss ratio: now at 52% ✅ Growing cash (and investments) in the bank: $1.12B Up next ⬆️ Guiding to 32% IFP growth in 2026 ⬆️ 60%+ revenue growth ⬆️ Q4 2026 first positive adj. EBITDA quarter, 2027 - full positive year ⬆️ Announcing our upcoming investor day @ NYC, Nov ‘26. Full details + financials: lemonade.com/investor
Shai Wininger tweet media
English
108
111
773
280.6K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
In a few days, we will launch the first iteration of our next-gen car insurance, designed from the ground up for self-driving cars and the new generation of smarter, safer EVs. This first version brings native FSD support, allowing owners to instantly connect their @Tesla to the Lemonade app. Once connected, we base our prices on actual usage rather than country-wide averages, making car insurance cheaper, better, and more fair.
Shai Wininger tweet media
English
26
43
749
41.9K
Liron Smadja
Liron Smadja@smadja·
What a quarter! 💪
Shai Wininger@shai_wininger

.@Lemonade_Inc's Q3 2025 results: Highlights (YoY): 🚀 8th consecutive quarter of accelerating growth 💵 $1.16 Billion top line (IFP +30%, ahead of plan) 🔥 Gross Profit $$ increased +113% to $80m 🔥 Gross Profit Margin at 41% 🔥 2.87 million Customers (+24%) 🔥 Adj. EBITDA loss almost cut in half, now at -$26 million Also: ✅ Loss Ratio at an all time low: 62%! ✅ Car loss ratio improving fast, now at 76% ✅ Revenue grew by 42% to $195m ✅ Claims LAE at a record <7% (vs. industry average of 9%) ✅ In the last 24 months, claims team headcount shrank, while claim volume increased by >2.5x! ✅ Europe IFP: $51m (+168% Y/Y) ✅ Europe Loss Ratio all time low: 70% ✅ Cash and investments: >$1B and growing ✅ Raised full year 2025 guidance for all metrics Up next: ⬆️ Starting to capitalize on our AI UW/pricing advantage. With Loss Ratio hitting our lowest levels ever, we can now turn it into a lever rather than a target, lowering costs and achieving price leadership. We’ll share more about this exciting new capability in our earnings call today. ⬆️ Continued focus on agentic automation of… everything. On the claims side, we expect our LAE to continue improving and become global best-in-class in claims efficiency. ⬆️ Expect @lemonade_inc Car growth to continue to accelerate, fueled by TAM expansion from new state launches (Pennsylvania is next) and increased growth spend. ⬆️ On plan to generate positive Adj. EBITDA in Q4 2026

English
0
0
0
62
Liron Smadja retweetledi
Daniel Korn
Daniel Korn@korndaniel1·
משתף בשרשור כמה מחשבות בעקבות הציוץ של שי על האינטגרציה החדשה שלנו עם @Tesla 🧵 למונייד $LMND חברה ציבורית לכן לא אחשוף מספרים או מידע שאינו ציבורי. רקע בשנים האחרונות אני מוביל את הפיתוח של @Lemonade_Inc Car, יחד עם קבוצת הדאטה של החברה. מהיום הראשון בנינו את מוצר ביטוח הרכב שלנו על בסיס דאטה של הנסיעות של הלקוחות (aka "טלמטיקס"). התחלנו מדאטה שמגיע ממובייל, הוספנו מכשירים פיזיים במוצר ה-Pay Per Mile (PPM), ועכשיו גם דאטה שמגיע ישירות מיצרניות הרכב (ה-OEMs) כחלק מקונספט של Connected Cars. >
Shai Wininger@shai_wininger

We’re starting to roll out direct integration with @Tesla vehicles, removing the need for a UBI device in our Pay Per Mile product. This makes activating Lemonade Car on Teslas effortless and lets us cut hardware and shipping costs, helping lower prices for Tesla drivers even further. Tesla's API also provides richer and more accurate driving behavior data than traditional UBI devices, enabling us to offer better rewards and discounts for safe driving and FSD usage.

עברית
20
6
162
81.3K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
We’re starting to roll out direct integration with @Tesla vehicles, removing the need for a UBI device in our Pay Per Mile product. This makes activating Lemonade Car on Teslas effortless and lets us cut hardware and shipping costs, helping lower prices for Tesla drivers even further. Tesla's API also provides richer and more accurate driving behavior data than traditional UBI devices, enabling us to offer better rewards and discounts for safe driving and FSD usage.
English
322
199
2.2K
1.6M
Liron Smadja retweetledi
ALL IN 2028 LMND CALLS
ALL IN 2028 LMND CALLS@STICKSAND1·
Learned that my cat has an incurable condition so she’ll be on medication forever, but claim got handled fast so that’s cool
ALL IN 2028 LMND CALLS tweet media
English
1
2
41
29.9K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
Shai Wininger tweet media
ZXX
11
3
119
8.1K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
This is from a @Lemonade_Inc customer who's been with us for 3 years and never spoke to a human. Every single interaction was with our AI. When she joined, ChatGPT, Claude, and Grok didn't even exist.
Shai Wininger tweet media
English
8
23
259
15.9K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
The Lemonade Foundation now covers more than 260,000 subsistence farmers in Kenya using blockchain. This is 37x the size of our first season, just two years ago!
Lemonade@Lemonade_Inc

And, that's a wrap! The Lemonade Crypto Climate Coalition's first pilot was a success, with nearly 7,000 Kenyan farmers enrolling in the world's first blockchain-powered crop protection. 🎉 See the Lemonade Foundation's work in action ⬇️ youtube.com/watch?v=GIg-HW…

English
11
14
237
32.2K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
Thrilled to share @lemonade_inc's results for Q2 2025 🚀 $1.083 Billion In-Force Premium, 7th Q of accelerating growth (+29% YoY) 🚀 Loss Ratio: 67% (12pt improvement YoY!) 🚀 Generated $25M of adj. Free Cash Flow 🚀 Gross Margin up 14pts to 39%, Gross Profit +109% 🚀 2.7M customers 🚀 Revenue up 35% 🚀 Raised FY guidance across IFP, GEP & Revenue More ✅ Car Loss Ratio @ 82% (13pt improvement, lowest since launch) ✅ Car & Europe growth engines accelerating Looking forward -> Expecting 25 to be our second consecutive year of positive adj. Free Cash Flow -> Expect to achieve positive adj. EBITDA before EOY 26
English
63
74
656
108.9K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
So, we (kinda silently) launched @lemonade_inc Car in Indiana yesterday. This launch marks a major milestone in Lemonade Car's history- Yesterday, Lemonade Car got a shiny new heart! I've spoken briefly about our L2 tech stack before, but the centerpiece of it all is LoCo, our LLM-first, no-code insurance application builder. With LoCo, our team can rapidly build new products, launch states, iterate on pricing and underwriting, and experiment with various dynamic experiences - all in hours instead of weeks, and without touching any code. I believe the best projects are those that can stream business value as they're being developed, and that's exactly how we're approaching LoCo. While LoCo is being built, we're already incorporating it into our products, and it's already delivering huge value in Lemonade Pet, and now - Car. Yesterday, Lemonade Car launched with two new LoCo components: LoCo Core Defines and manages coverages, limits, UW criteria, segmentation, QA and validation without a single line of code! LoCo Rater A new rating engine, powered by our own Domain Specific Language (DSL), simplifies complex rating logic, improves performance by several orders of magnitude (built on Rust), and comes with advanced validation capabilities. LoCo Rater works hand in hand with our UBI stack, used to analyze driving behavior and help generate risk-based pricing, using our own proprietary data science models.
Shai Wininger tweet media
English
47
49
401
97.9K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
.@Lemonade_Inc Pet is now the #2 most searched pet insurance brand in the US But there’s more: > It’s also the fastest growing brand search across all insurance brands (+84% PoP) > In the last 6 months, we’ve moved from #4 to #2 * according to Google
Shai Wininger tweet media
English
28
31
335
66.4K
Liron Smadja retweetledi
OpenAI Developers
OpenAI Developers@OpenAIDevs·
Developers are building great voice experiences with the Realtime API. See how @Lemonade_Inc uses it to power AI Maya, their friendly and engaging voice agent. The Realtime API's automatic voice detection and low latency enable them to offer 24/7 multilingual phone support 📞
English
46
85
849
125.9K
Liron Smadja retweetledi
Shai Wininger
Shai Wininger@shai_wininger·
Thrilled to announce the best quarter—and year—in Lemonade’s history! 🚀 Generated $48m in adj. Free Cash Flow and $27m in Q4 alone, marking our first ever FCF positive year — 12 months ahead of plan 🚀 $1.02B in cash/investments - $76m more than beginning of year 🚀 Record Loss Ratio: 63% in Q4, TTM Loss Ratio at 73% (12pt YoY improvement!) 🚀 >2.4M customers 🚀 $944M In Force Premium 🚀 26% IFP growth, 29% revenue growth 🚀 Record Annual Gross Profit: $167M (nearly doubled YoY) 🚀 EBITDA improved 18% YoY, net loss down 29% 🚀 5th consecutive quarter of accelerating top-line growth 2025 - CA fires: despite devastating results on the ground, EBITDA impact expected to be ~$20M (gross losses ~5x smaller than early market estimates) - Targeting 28% IFP growth, ramping growth spend by 40% - Expect sustained positive free cash flow & sequential EBITDA improvement despite CAT losses & aggressive growth investment Signals - Adj. EBITDA excluding growth spend - was positive for first time ever - AI driving efficiency: @lemonade_inc headcount down 2% YoY - Excluding growth spend, expenses up just 2%—despite inflationary headwinds
Shai Wininger tweet media
English
37
32
384
74.6K

Keşfet

@Lemonade_Inc @tesla @Tesla @lemonade_inc @jakebrowatzke @grok @elonmusk @BarackObama