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@JM_Investment0 Avatar @JM_Investment0 JM Investments

JM Investments posts on X about $root, $four, $dlo, $pypl the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

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Followers: XXX #

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Social category influence cryptocurrencies XXXXX% stocks XXXXX% finance XXXXX% technology brands XXXXX% automotive brands XXXX% countries XXXX%

Social topic influence $root #20, $four #9, $dlo #14, $pypl #574, $unh #56, $asml #45, asml #68, $oscr #171, $cnc #34, $nbis #114

Top accounts mentioned or mentioned by @realroseceline @dividendngrowth @spike1567 @wearycenturion @dividenddudex @tinytitanscap @spike_1567 @letushead @bluemichael33 @drugmoolah @theeuinvestor @sandeman52 @saynototrading @bourboncap @xparameters @longoption @davidrejll @kabraxfx @jonroberts91 @dadityapandey

Top assets mentioned The Root Network (ROOT) 4 (FOUR) DLocal Limited Class A Common Shares (DLO) PayPal Holdings Inc (PYPL) UnitedHealth Group (UNH) Oscar Health, Inc. (OSCR) Centene Corp (CNC) Nebius Group N.V. Class A Ordinary Shares (NBIS) ZetaChain (ZETA) Advanced Micro Devices (AMD) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Amazon.com, Inc. (AMZN) Tesla, Inc. (TSLA) Toast, Inc. (TOST) Block, Inc. (XYZ) Fiserv, Inc. (FI) Progressive Corp (PGR) Alliance Fan Token (ALL) Cream (CRM) Elevance Health Inc (ELV) Brookfield Corporation (BN) NuCypher (NU) MercadoLibre Inc (MELI)

Top Social Posts #

Top posts by engagements in the last XX hours

"Q3 earnings kicks off for me with $ASML reporting pre-market tomorrow (central European time) I feel like a kid at Christmas I wouldnt be surprised by a double beat but I think unless guidance is strong the market could react negatively"
X Link @JM_Investment0 2025-10-14T21:50Z XXX followers, XXX engagements

"I would not be surprised if ClickHouse ended up nearly the same size as the $NBIS core business. They seem a fantastic business and with a XX% stake its a fantastic asset for $NBIS. I hope they continue to hold and let it grow"
X Link @JM_Investment0 2025-10-09T12:36Z XXX followers, XXX engagements

"@Spike_1567 $DLO is my highest conviction - I think there are lots of tailwinds its a great business great leader and still an attractive price"
X Link @JM_Investment0 2025-10-10T19:53Z XXX followers, XXX engagements

"Valuation - Pt X At $80/share $FOUR trades around XX EV/EBITDA or 1618 P/E based on FY25 guidance. Similar companies like Adyen and Block trade at around 3x the EV/EBITDA multiple despite lower growth and margins. Management is targeting $1B FCF in the next few years If they hit that even with a fairly low 15x multiple we have a share price around $XXX or 100%+ upside"
X Link @JM_Investment0 2025-09-28T11:14Z XXX followers, XXX engagements

"Some quick thoughts and maths on $NBIS $1.1B ARR and 220MW by end of 2025 = $5M/MW Lets say 500MW by end of 2026 at the same multiple We get $2.5B ARR Slap on a 15x multiple and we get $37.5B for Nebius Add say 7.5B for the non-core assets Market cap = $45B or $168/share"
X Link @JM_Investment0 2025-10-06T19:35Z XXX followers, 1155 engagements

"@steve2bacon His stock market content was ok I used to follow him but if you do now your following tab just gets ruined by spam"
X Link @JM_Investment0 2025-10-12T08:26Z XXX followers, XXX engagements

"Something I like about $FOUR vs competitors: Customer cost in the 1st year is by far the cheapest. They front load costs lock in merchants with a frictionless process then scale volume and make money on payment processing. Long term costs are similar for all but $TOST"
X Link @JM_Investment0 2025-09-24T07:53Z XXX followers, 2579 engagements

"CAPITAL POSITION I want to quickly mention Roots capital position since I think it is important and easily brushed over. As I said earlier insurers must hold a surplus - Root currently holds 7x the minimum capital required giving it a healthy buffer to grow and deal with any big costs - typical thresholds are around 3x-4x. Their underwriting leverage (ratio of premiums to surplus) is 6x which is a good amount for a growing insurer. This is increasing and may become an issue around 8x but now Root is profitable it can increase its surplus as it grows. Nevertheless its something to keep an eye"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"Im working on a $ROOT thread to hopefully share what a good (or bad) investment it is and also solidify my own conviction. Anyone have any questions or things theyre unsure of and what addressing"
X Link @JM_Investment0 2025-10-11T16:59Z XXX followers, 1802 engagements

"@realroseceline Well you were one of the first people I saw talking about $DLO so thats a good vote of confidence"
X Link @JM_Investment0 2025-10-07T20:57Z XXX followers, XXX engagements

"WHAT ROOT DOES $ROOT is an auto insurer that uses telematics data and clever underwriting models to price risk based on how someone drives not demographics. They build their own tech stack and models and do their own underwriting. Sales are through several channels: direct to consumer (DTC) through app or website through partnerships with car sellers like Carvana and sites like Experian or through independent insurance agents"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"GROWTH DRIVERS The next leg of growth for $ROOT isnt about chasing volume its scaling profitability. Here are the main growth drivers I see: 1) Partnership expansion This year Root signed a new partnership with Hyundai that they have yet to fully scale and I hope there will be several more of these. Embedded insurance is high-ROI low-CAC. 2) Growth of independent agents channel Root is making it easy for agents to sell with instant quotes and agent friendly features. This channel also keeps acquisition costs lower than direct marketing. 3) Product & geographic expansion Root is not yet in"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"@unusual_whales Or in $AMD case they have to give away equity to sell them"
X Link @JM_Investment0 2025-10-12T15:56Z XXX followers, XXX engagements

"I wonder if theres a nice low risk swing trade on the cards buying $UNH here. I can only imagine theyll be more buys declared by funds which will probably push the price up Plus if Q3 earnings are good which I think they will be there could be further upwards movement"
X Link @JM_Investment0 2025-10-14T13:18Z XXX followers, XXX engagements

"@Spike_1567 I think it depends on goals. I do have some big and mega caps like $UNH and $AMD but I arent expecting those to 10x like say $DLO might"
X Link @JM_Investment0 2025-10-14T09:58Z XXX followers, XXX engagements

"$DLO - Fair value around mid/high $20s - Growing 30%+ YoY AND profitable - Proven leadership - Massive TAM tailwinds - $XX its priced like a mid-tier business despite years of 20%+ CAGR potential"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, 9507 engagements

"PROFITABILITY $ROOT is already achieving class leading combined ratios of XX% on par with industry leaders like $PGR & $ALL. And again beneath the surface the numbers get even better. If you are new to insurers: The combined ratio measure how much an insurer spends per $ of premium. Its made of a loss ratio + expense ratio. If the combined ratio is XX% the insurer keeps roughly X for each $ of premium. Loss ratio is money spent on claims expense ratio is money spent on operating expenses. Roots loss ratio is actually less than $PGR & $ALL despite being much smaller thanks to its telematics"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"Some quick math on why $FOUR is an asymmetric bet right now Management are guiding for $1B FCF in 2028. At todays multiple thats $187/share Thats XXX% upside in X years or a XX% CAGR. For the downside TTM FCF is $433M and its grown at 30%+ CAGR for the last three years. Lets say they massively underperform and grow FCF at XX% CAGR to 2028 AND the multiple also drops to 10xFCF You get a share price of $XX - just XX% downside. XXX% upside if they meet guidance and continue growing like they have XX% downside if they miss. Thats an asymmetric bet to me"
X Link @JM_Investment0 2025-10-02T18:02Z XXX followers, 3137 engagements

"Strongly considering a small $PYPL position. Why now - Sentiment seems to be turning - Excellent value if they turnaround little downside if they dont - Great possible safe haven when valuations are getting high Whats stopping me - Possibly better opportunities elsewhere for example $FOUR and $ROOT - Id like to keep my cash position about the size it currently is - Still not XXX% behind the product (but slowly coming around)"
X Link @JM_Investment0 2025-10-07T18:25Z XXX followers, 3209 engagements

"Well didnt expect to see $DLO at $XX quite so quickly but Ive added like I said. Very happy to buy this at this level and will keep doing so as it goes down. We get around $XX again and Ill be applying for loans"
X Link @JM_Investment0 2025-10-10T21:11Z XXX followers, XXX engagements

"@BourbonCap @theTIKR Interested to see if he bought"
X Link @JM_Investment0 2025-10-03T19:00Z XXX followers, 1957 engagements

"$ROOT - Half of the business growing at triple digits YoY - Already profitable & likely margin expansion with scale - Priced for minimal growth at $XX with potential to 3x over five years in base case or 6x in bull - Founder led"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, XXX engagements

"@TheLongInvest Yeah I would not be surprised if we rally again for a few more weeks and then we really hit the top"
X Link @JM_Investment0 2025-10-12T15:21Z XXX followers, XXX engagements

"The more I dig into $ROOT the more I like it Its looking increasingly asymmetric and great value. The embedded side is growing triple digits and already close to half of revenue. Its profitable will probably get more profitable and the market is pricing it down"
X Link @JM_Investment0 2025-10-07T20:32Z XXX followers, 4351 engagements

"Management Worth mentioning is the ownership and management of $FOUR Founder Jared Isaacman is a major shareholder with an approx. XX% stake and recent insider buys including nearly 200k shares in August in the low $80s. He also controls XX% of the voting power. Isaacman was CEO until recently when he moved to chairman. The new CEO was previously president & chief strategy officer at $FOUR. He owns approx. 100k shares. Management looks good and well aligned which checks a box for me"
X Link @JM_Investment0 2025-09-28T11:14Z XXX followers, XXX engagements

"Ive been looking into $FOUR over the past few weeks and started a position recently. Heres a thread on: - What they do - Growth drivers - Valuation - Risks - My thoughts 🧵 (TLDR: Im buying - at $XX I think theres potential for over XXX% gains with minimal downside)"
X Link @JM_Investment0 2025-09-28T11:14Z XXX followers, 9315 engagements

"These are the stocks and key prices I will be watching for next week if the market continues to dip: $DLO DCA $XX add heavily $XX $PYPL add $XX $FOUR DCA $XX $ROOT add heavily $XX DCA up to $XX $PGY add $XX $ZETA add $XX See why below👇"
X Link @JM_Investment0 2025-10-11T14:45Z XXX followers, 8726 engagements

"Both $UNH and $CNC have been steadily ticking up over the last couple of months even during market downturns. Ive big positions in both and see them as great safe stocks while valuations are high in general. Even at currents prices they could be good adds"
X Link @JM_Investment0 2025-10-07T17:26Z XXX followers, 1325 engagements

"Adding $DLO $ROOT and $FOUR today. Saving some cash for next week if we drop further but will take some nibbles today. $DLO I wanted to wait for $XX but not sure if itll get there again especially after Q3 earnings"
X Link @JM_Investment0 2025-10-10T18:48Z XXX followers, 3954 engagements

"@longoption Ive recently sold my $AMZN so I guess Im going to need to check $CRM out now"
X Link @JM_Investment0 2025-10-13T18:42Z XXX followers, XXX engagements

"@StockMarketNerd $DLO Lots of tailwinds & growing TAM great growth & margins and proven leadership"
X Link @JM_Investment0 2025-10-13T14:00Z XXX followers, 3352 engagements

"$PGY - Growing XX% YoY and becoming profitable - 10x+ potential if growth continues and margins continue to improve - Founder led - Fell from $40s on unrelated news - XX% upside at $XX just to get back"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, 1511 engagements

"@realroseceline Great post Rose I agree with it all. Ive just been writing some a big post about $ROOT and youve covered a lot of it here. I think I remember you saying previously you avoided insurance has that changed now"
X Link @JM_Investment0 2025-10-14T21:45Z XXX followers, XXX engagements

"VALUATION & ASYMMETRY $ROOT is profitable and growing 20%+ but I dont think the market has caught up. Valuing using what I think are realistic & cautious assumptions: - XX% CAGR revenue growth - X% net margin (inline with competitors) I get a fair value around $130/share (+60%) in the base case. A bull case (25% growth XX% margin) gives $170+ (+110%) while a conservative bear case gives near $XX (15%). In the base case I project a price around $XXX in X years about XX% CAGR. Even in a bear case I think capital loss is unlikely unless issues really materialise. For me this represents an"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"For what its worth I feel like I am seeing a lot of talk about $PYPL recently Could be the algo or could be the start of something"
X Link @JM_Investment0 2025-10-07T07:52Z XXX followers, 1065 engagements

"@WatcherGuru People getting hopeful about US and China deals. Be careful though sentiment can change as quick as a tweet and Trump likes Sunday afternoons"
X Link @JM_Investment0 2025-10-12T15:22Z XXX followers, XXX engagements

"It is almost a matter of time until ACA subsidies are extended. Very bullish $OSCR and health insurers in general - $UNH $CNC $ELV"
X Link @JM_Investment0 2025-10-06T20:50Z XXX followers, 1568 engagements

"@Davidrejll Yeah Id say $FOUR and $DLO are my favourites but Ive a much bigger $DLO position already. Ill probably add to $FOUR a lot next week"
X Link @JM_Investment0 2025-10-12T15:10Z XXX followers, XXX engagements

"$FOUR - 30%+ CAGR if management targets are met & limited downside - big asymmetric setup at $XX - Growing XX% YoY with improving margins and huge growth runway - Founder led & invested leadership - aligned with shareholders"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, 1098 engagements

"$ZETA is one of my smaller positions but one Ive really liked for a while. CEO seems great I think like theyll have plenty of tailwinds and a big runway for growth. This is a long term compounder with possible margin expansion too"
X Link @JM_Investment0 2025-10-09T16:34Z XXX followers, XXX engagements

"Stocks Ill be watching next week if the market continues to dip $DLO - will add again at $XX and probably DCA everyday under that $ROOT - I really want a big add under $XX $PYPL - under $XX Ill start adding heavily $OSCR - under $XX $FOUR - under $75"
X Link @JM_Investment0 2025-10-10T20:25Z XXX followers, 8311 engagements

"Added to $ROOT and $FOUR again today. Valuations on these two seem good while a lot of the market looks expensive"
X Link @JM_Investment0 2025-10-06T16:40Z XXX followers, 2204 engagements

"Lots of buying and selling for me today as I look to concentrate in my highest conviction positions: Added to: - $DLO - $FOUR - $ROOT - $PYPL Trimmed: - $ASML - $NU - $BN Ive covered why each of the buys already but will post about the sells too later"
X Link @JM_Investment0 2025-10-13T18:39Z XXX followers, 2349 engagements

"@jakebrowatzke Every time you buy or sell its another chance for you to make a mistake"
X Link @JM_Investment0 2025-10-13T18:40Z XXX followers, XX engagements

"RISKS TO WATCH There are risks with $ROOT and its important to be realistic with them. I think the risk/reward is good but not risk free. The main risks I see are: 1) Catastrophe exposure Much of Roots revenue is in storm heavy states and a one-off event could feasibly dent growth or profitability for several quarters. The balance sheet and reinsurance structure means I do not think this would be existential but would definitely slow them down. 2) Growth inhibited by capital requirements Insurers must maintain surplus capital relative premiums written therefore as $ROOT grows it must hold"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"$PYPL - Priced for no growth - downside limited & bar for upside extremely low - Turnaround starting & sentiment shifting - Growth accelerating and margins improving - Generating huge amounts of cash and buying back X% per year - Support around $XX and X% FCF yield"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, 1234 engagements

"$ROOT is profitable and growing 20%+ YoY but priced like a stale insurer Here is why I think its one of the most asymmetric opportunities in the market today 👇🧵"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XXX engagements

"@Spike_1567 I agree but $DLO is in a space of its own in my opinion. To be honest though $FOUR is making its way to the my $DLO allocation was before their post earnings run up"
X Link @JM_Investment0 2025-10-10T20:26Z XXX followers, XXX engagements

"Final Note Ive had some good questions about $ROOT that I was going to answer here but its already very long so I will answer separately If you do have any questions or thoughts please let me know Finally if you liked this thread a repost would mean a lot as I try to grow"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XXX engagements

"@DAdityaPandey $UNH is my second biggest holding already. I may add more but find the other opportunities more attractive. $ASML I have a small position but honestly might sell some - great business but I dont see huge returns from the current price. If it dipped a lot Id re-buy"
X Link @JM_Investment0 2025-10-12T08:05Z XXX followers, XXX engagements

"$DLO I would really not be surprised to see another double digit move after earnings Theyve were doing deals and partnerships non-stop in Q3 and I think theyll have continued to grow TPV at 40%+ YoY Still my favourite position"
X Link @JM_Investment0 2025-10-08T17:06Z XXX followers, XXX engagements

"@AkinatorAssets I ended up adding $DLO $ROOT & $PYPL last night at the levels above. $FOUR I decided to leave last night but will keep DCAing $OSCR was the only one that didnt happen"
X Link @JM_Investment0 2025-10-11T11:42Z XXX followers, XXX engagements

"Agree with the posts below. It seems like something is going on here and especially suspicious with all the talk around ACA subsidies I have big positions in $UNH $CNC and $OSCR and still think the first two are attractive at their current prices"
X Link @JM_Investment0 2025-10-03T14:39Z XXX followers, XXX engagements

"REVENUE GROWTH After years of cash burn and restructuring $ROOT is now profitable and growing fast. TTM gross earned premium is $1.36B up XX% YoY. Beneath the top line things look even better though XX% of written premiums are DTC growing XX% YoY XX% come from partnerships (Carvana Experian etc) growing XXX% YoY XX% are through independent agents growing XXX% YoY As the faster growing segments scale and overtake DTC top line growth will accelerate"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"@blueMichael33 I dont think Ive ever posted the full thing but I talk about it fairly often. Five biggest positions are $DLO $UNH $NBIS $CNC $OSCR in that order. Recently Ive added a lot to $FOUR and $ROOT and will probably continue to do so"
X Link @JM_Investment0 2025-10-09T20:24Z XXX followers, XXX engagements

"Very well put by Rose below and one of the reasons I have sold $AMZN and $ASML recently despite them being great businesses They just generally dont have as much upside as smaller caps Of course there are exceptions but why make stock picking even harder"
X Link @JM_Investment0 2025-10-13T21:30Z XXX followers, XXX engagements

"$UNH $CNC Im expecting considerable upward movement after Q3 and Q4 earnings To be where they are already is very bullish"
X Link @JM_Investment0 2025-10-10T11:36Z XXX followers, XXX engagements

"$ASML for me this week. Only a small position and one I have been trimming and may exit but very interested to see how Q3 went for them"
X Link @JM_Investment0 2025-10-12T12:20Z XXX followers, XXX engagements

"@TinyTitansCap What are your thoughts on the three compared to each other"
X Link @JM_Investment0 2025-10-10T20:58Z XXX followers, XX engagements

"@HatedMoats What are your thoughts on $ASML value wise Its definitely a great business but in my opinion fairly priced and I dont see it outperforming the market long term. (Bold saying this hours before earnings)"
X Link @JM_Investment0 2025-10-14T22:53Z XXX followers, XXX engagements

"$PYPL still green pre-market despite this Maybe a sign its near a bottom now"
X Link @JM_Investment0 2025-10-13T12:22Z XXX followers, XXX engagements

"I was down as much as X% yesterday It was driven largely by $DLO as my top position with an almost XX% swing from top to bottom From highs after the US investment in Argentina to lows AHs. This is just part of investing though - I have no doubts $DLO will be $20+"
X Link @JM_Investment0 2025-10-11T09:19Z XXX followers, 2312 engagements

"$PYPL is green and $NBIS is red I cant believe what Im seeing"
X Link @JM_Investment0 2025-10-14T17:36Z XXX followers, XXX engagements

"$ZETA - 20%+ revenue growth and EBITDA margins - Sticky recurring revenue and customers keep spending more - XX consistent beat & raise quarters - At $XX near key support with XXX% upside if guidance met"
X Link @JM_Investment0 2025-10-11T14:46Z XXX followers, 1028 engagements

"MOAT AND COMPETITIVE ADVANTAGES Ive seen a few people ask what makes $ROOT stand out vs competitors and I believe its the following: 1) Telematics and underwriting advantage Root prices based on one of the biggest datasets of driving data and as discussed earlier this allows them to be extremely competitive price wise. There is also a flywheel effect - more customers - more data - better models & pricing - more customers. Competitors could copy this but Root has a big head start and their tech stack build from scratch around this gives them an advantage over competitors legacy systems. 2)"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XX engagements

"Just tried using $PYPL to buy some food online as part of my research into them Not the best experience to be honest At checkout had three options - ApplePay Card or PayPal. Pressed PayPal then had to press another PayPal connect button or something which opened their website in browser. I had to log in despite having the app on my phone (no option to open in app). Logged in after trying a few passwords and then had to open the PayPal app to confirm the log in. Opened the app and was met with a spinning loading circle. Waited a minute it didnt go. Ended up going back and using ApplePay which"
X Link @JM_Investment0 2025-10-04T16:53Z XXX followers, 12.3K engagements

"@GabGrowth Do you like $MELI at its current price I feel its a bit expensive but fantastic business"
X Link @JM_Investment0 2025-10-12T08:25Z XXX followers, XXX engagements

"The more I deep dive into $ROOT the more I realise how competitive and complicated the insurance industry is. Theres a lot to understand but my conviction is all the better for it"
X Link @JM_Investment0 2025-10-12T22:45Z XXX followers, 1401 engagements

"CONCLUSION $ROOT is now profitable growing well with plenty of potential to keep going and has a strong capital position. There are several risks to consider and monitor thats why we get a good price but I believe the potential reward outweighs these risk. My base fair value is gives 60%+ upside and projects XX% CAGR over the next X years with a realistic chance of much more if growth and margin targets hold. This is why I see $ROOT as one of the most asymmetric setups in the market and will continue to add"
X Link @JM_Investment0 2025-10-14T21:57Z XXX followers, XXX engagements

"Thank you. A lot of my portfolio is outside financials so even if I deploy all my cash financials would probably be less than XX% total. Saying that though Im not too worried overweighting one sector if I think its a good opportunity - I am overweight healthcare in a similar way for example. I also think the businesses are diverse in themselves"
X Link @JM_Investment0 2025-10-12T14:31Z XXX followers, XXX engagements

"How could I forget I added to $PYPL too"
X Link @JM_Investment0 2025-10-10T19:48Z XXX followers, 2461 engagements