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Daniel Schreiber

CEO Chairman & Co-Founder, Lemonade

Search every verified Daniel Schreiber interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Daniel Schreiber, CEO and co-founder of Lemonade, discussed the company's second-quarter 2026 results on its earnings call, reporting in-force premiums of $1.43 billion, a year-over-year increase of approximately 32.5%, and revenue growth of 79% to $294 million. He said the company expects to achieve its first positive adjusted EBITDA quarter in the fourth quarter of 2026 and annual adjusted EBITDA profitability in 2027. Schreiber also addressed concerns about growth spending outpacing premium growth, attributing the gap to a slowdown in spending during 2023 in response to inflation, followed by catch-up spending, and stated that he expects revenue growth to outpace spending growth from 2027 onward. He additionally announced that CFO Tim Bixby would transition to a senior vice president of finance role, with Nick Stead succeeding him, and that Bixby would move to Lemonade's board. In a separate interview, Schreiber defended the company's use of stock-based compensation, stating that all variable compensation is in stock and that no employees receive performance-based bonuses, a structure he described as unusual but beneficial. He also reiterated confidence in the company's "autonomous organization" model, noting that Lemonade has fewer employees than it did four years ago. During the earnings call, Schreiber expressed optimism about the company's auto insurance product, citing positive early trends and lower frequency rates, though he noted it was still early and the customer base remains small. He also said the company focuses on gross profit rather than gross margin as its primary profitability metric.

Recent appearances

Verified interview transcripts

Notable quotes

“We have zero employees who get bonuses based on performance. All of our variable compensation is stock. It's very unusual. Some of the investor advisory firms ding us for that. They seem to think it's a bad thing. We think it's an amazing thing.”

“The autonomous organization hypothesis or thesis is robust. It is secure. We have fewer employees now than we had four years ago.”

“If you had to summarize the AI revolution in its most succinct framing, I think you would say that it's displacing labor with capital.”

“If intelligence becomes essentially infinite and cheap, we must capture some of the surplus AI creates — for example via a purchase/sales tax or ring‑fencing gains — and redistribute it (e.g., negative income tax or universal income) so nobody is left behind.”

“This past quarter we contributed $48 million to our cash balance; two years ago in the same quarter we lost $63 million. Since we last met we have shifted from being a company that burns cash to one that generates cash.”

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