12 Best Fintech Stocks to Invest In

4. Lemonade Inc. (NYSE:LMND)

Lemonade Inc. (NYSE:LMND) is one of the best fintech stocks to invest in. On February 19, Lemonade reported its Q4 2025 earnings report, with in-force premiums rising 31% to $1.24 billion and revenue surging 53% to $228 million. The company achieved a record gross profit of $111 million, a 73% year-over-year increase, while narrowing its adjusted EBITDA loss to just $5 million.

A major highlight was the launch of ‘Lemonade Autonomous Car,’ which is a telematics-based product initially for Teslas that prices risk in real time based on whether the vehicle is parked, human-driven, or AI-operated. By integrating with onboard computers, Lemonade prices AI-driven miles at ~50% of the cost of human-driven miles, reflecting the increased safety of autonomous technology. This AI-first approach extends to their internal operations, where the company is investing heavily in a pricing machine and a revenue machine to enhance underwriting precision and cross-selling capabilities.

For 2026, management expects to maintain a 30% growth rate while targeting full EBITDA profitability by Q4 2026 and for the entire FY2027. Despite a net loss of $22 million for the quarter, Lemonade Inc. (NYSE:LMND) maintains a robust balance sheet with $1.1 billion in cash and investments.

Lemonade Inc. (NYSE:LMND) provides various insurance products in the US, Europe, and the UK. The company offers renters & homeowners, building, car, pet, and life insurance products, as well as landlord insurance products.