Lemonade, Inc. LMND is slated to report third-quarter 2021 results on Nov 9, after market close. The company delivered a negative earnings surprise of 2.27% in the last-reported quarter.Factors to ConsiderPremiums are likely to have improved attributable to diversification of business mix to higher premium products, and customers having multiple policies. The Zacks Consensus Estimate for premium per customer is pegged at $253, indicating an increase of 25.9% from the year-ago reported number.Lemonade projects gross earned premiums between $76.5 million and $77.5 million for the third quarter of 2021, given a likely improvement in in-force premium.In-force premium in the to-be-reported quarter is likely to have been aided by an increase in customer base as well as an improvement in premium per customer. The company estimates in-force premium between $336 million and $339 million. The Zacks Consensus Estimate for the metric is pegged at $338 million, implying an increase of 78.8% from year-ago reported number.Lemonade projects revenues between $32.5 and $33.5 million. The Zacks Consensus Estimate for the metric is pegged at $33.6 million, suggesting an increase of 89% from the year-ago reported figure.Expenses are expected to have increased attributable to a rise in other insurance expense, technology development, and general and administrative expense. Lemonade projects adjusted EBITDA loss in the range of $52 million to $55 million for the to-be-reported quarter.What the Zacks Model SaysOur proven model does not conclusively predict an earnings beat for Lemonade this time around. This is because the stock needs to have the right combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). This is not the case as you can see below.Earnings ESP: Lemonade has an Earnings ESP of 0.00%. This is because both the Most Accurate Estimate and the Zacks Consensus Estimate are pegged of a loss of $1.15 per share. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.Lemonade, Inc. Price and EPS Surprise Lemonade, Inc. price-eps-surprise | Lemonade, Inc. QuoteZacks Rank: Lemonade currently carries a Zacks Rank of 4 (Sell).Stocks to ConsiderSome stocks from the finance sector with the perfect mix of elements to surpass estimates in their upcoming quarterly releases are as follows:American Equity Investment AEL has an Earnings ESP of +0.13% and a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.Intercorp Financial IFS has an Earnings ESP of +3.36% and a Zacks Rank of 2, at present.Aercap AER has an Earnings ESP of +30.57% and a Zacks Rank #1. Zacks’ Top Picks to Cash in on Artificial Intelligence This world-changing technology is projected to generate $100S of billions by 2025. From self-driving cars to consumer data analysis, people are relying on machines more than we ever have before. Now is the time to capitalize on the 4th Industrial Revolution. Zacks’ urgent special report reveals 6 AI picks investors need to know about today.See 6 Artificial Intelligence Stocks With Extreme Upside Potential>>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report American Equity Investment Life Holding Company (AEL): Free Stock Analysis Report Aercap Holdings N.V. (AER): Free Stock Analysis Report Intercorp Financial Services Inc. (IFS): Free Stock Analysis Report Lemonade, Inc. (LMND): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research