LunarCrush LLM | LunarCrush AI Interface

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@andycyau "@TheWeaselofWS haha im no insider but here's the institutional make up according to Fintel - 82.12%"
X Link @andycyau 2025-10-14T19:52Z 1184 followers, XX engagements

"@bjmtweets & @KabraxFX understands management background pretty well & Brian has wrote a nice article about Timm that you should check out. very strong depth and couldn't have asked for a better management team. as for the differences $ROOT dominates auto all around. $ROOT is dominating legacy insurers in price loss ratios tech and more. one of the main differences of owning $ROOT vs $LMND is $ROOT is taking the partnership avenue for policy growth. $ROOT has onboarded 20+ partners & now 1500+ agencies & 7000+ IAs. These distribution channels don't cost upfront opex and can be stacked"
X Link @andycyau 2025-10-12T01:23Z 1175 followers, XX engagements

"$ROOT today's price action was all short selling with XX% short volume. thats pretty much how it works around here. MM short sells aggressively for a couple weeks before they start covering aggressively"
X Link @andycyau 2025-10-03T22:17Z 1174 followers, 5518 engagements

"$ROOT is seeing extremely bullish option flow in today's move backed with 3700+ contracts or 370000 shares - a large percentage of $ROOT's available float"
X Link @andycyau 2025-10-14T19:19Z 1184 followers, 1631 engagements

"here's why thats all wrong where competitors are decade+ behind. i explained ROOT's moat in this response here: as for $TSLA insurance they are having multiple challenges left and right and are losing money hands over fist. OEMs are not going to create their own insurance ARM with all the legal issues that come with it & high barriers of entry. they'll be losing money for over a decade before they see an underwriting profit. its been over X years now and $TSLA still has a CR at 120%+ theres a reason why Hyundai has ROOT as their exclusive carrier. Expect other OEMs to follow suit in"
X Link @andycyau 2025-10-15T22:32Z 1183 followers, XX engagements

"$root could go about it in multiple ways. They could be the most profitable(not necessarily largest) with the most safest and profitable policies True #2 isnt bad. But if you look at everything that $root is building that legacy is behind on its hard to see $root not eclipsing #1 by the decade"
X Link @andycyau 2025-10-14T15:52Z 1180 followers, XX engagements

"JUST IN HOLY $ROOT SI INCREASED by XXXXX% or 300000 shares. with float nearly 100%+ owned this is MASSIVE. AT DAWN WE RIDE"
X Link @andycyau 2025-10-09T20:49Z 1184 followers, 16.8K engagements

"@Lunatweet29 estimated earnings for $ROOT is for October XX. However that isn't set in stone and i won't be surprised if that date gets shifted around"
X Link @andycyau 2025-10-05T17:21Z 1177 followers, XXX engagements

"$ROOT is partnering with the largest players in the auto industry including Hyundai & Toyota & many other major players to come. It is also beating legacy insurers in key metrics all around. has the potential to be larger than $PGR in the next decade but trades at less than 1/100x in size"
X Link @andycyau 2025-10-14T17:56Z 1184 followers, 8155 engagements

"$HHH with bill ackman reiterated their plan on buying a P&C insurer earlier this week mentioning they have made an offer on a private insurer. though $ROOT is literally the #1 auto insurer based on a combined score on loss ratios & growth. the other insurers pale in comparison with the #1 & #2 growers specifically focused in only Texas"
X Link @andycyau 2025-10-03T14:02Z 1167 followers, 2568 engagements

"sorry 18T TAM*. ROOT only needs a fraction or 100b rev at a XX% CR at a 40x+ multiple to reach a 1T+ market-cap. innovative & growth companies that have disrupted legacy companies have seen higher multiples. take $HOOD versus $SCHW for example. 1/6 rev but yet similar mcap or $TSLA versus $GM & $F or $KMX vs $CVNA"
X Link @andycyau 2025-10-06T14:07Z 1177 followers, XXX engagements

"@TheWeaselofWS Insanely undervalued. You can say $sofi of banking is the equivalent of $root for insurance. Very similar for sure"
X Link @andycyau 2025-10-14T20:49Z 1181 followers, XXX engagements

"$OSCR up XX% after hours after trump remarks on extending ACA subsidiaries. Love the name and it has potential but $OSCR will forever do a fraction of NI versus $ROOT due to their regulatory MLR caps of 80%. Margins are at best 1-5% meanwhile $ROOT with no regulatory caps can reach a XX% CR in the long term or in other words one $ROOT policy will equal multiple $OSCR policies in absolute profit. Despite this $OSCR now trades at 5X the size of $ROOT 's mcap at 1.28B"
X Link @andycyau 2025-10-06T22:19Z 1173 followers, 3124 engagements

"$ROOT short volume came back today at 68%. short availability was also essentially flat. that means a whale was buying today and it wasn't short covering 👀👀"
X Link @andycyau 2025-10-14T23:54Z 1184 followers, 1478 engagements

"$ROOT is playing out just like $OSCR in the 13's when SI ballooned. $OSCR shorts covered all the way back over XX week highs into the 20's"
X Link @andycyau 2025-10-09T20:58Z 1184 followers, 1441 engagements

"have to look at geico they have inferior loss ratios than root but put forth a XX% expense ratio. you would think with better tech ROOT would do better on both loss ratios & expense ratios. Geico had roughly a XX% combined ratio in 2024. plenty of good reasons why its better to be on the conservative side i get it"
X Link @andycyau 2025-10-15T12:45Z 1185 followers, XX engagements

"Openai deal for everyone $AVGO"
X Link @andycyau 2025-10-13T14:44Z 1178 followers, XXX engagements

"shorts sunk over 2m+ SI into $ROOT recently and they are now looking to cover aggressively pre-earnings after shaking out paper hands. V shape recovery incoming. Don't let these short crooks cover easily"
X Link @andycyau 2025-10-14T14:28Z 1185 followers, 4063 engagements

"$root is now trading lower than what it was 18+ mos ago despite now TTM profitable on track to do 2x+ revenue & have built networks with the largest auto players including $tm & Hyundai & many others to come. When the stock is broken but the fundamentals are firing on all cylinders. Thats the easiest opportunity one can take"
X Link @andycyau 2025-10-06T19:20Z 1183 followers, 3606 engagements

"@weary_centurion ROOT will eclipse $PYPL 's market cap. not sure if that was the right move"
X Link @andycyau 2025-10-15T01:31Z 1186 followers, XXX engagements

"the lower $ROOT goes down on increased SI the stronger the snapback becomes when short covers. -XX% from X months ago & -XX% in X weeks but nothing has changed fundamentally where $ROOT is still growing aggressively intrinsically with their partnerships growing at 3X YoY. The base is starting to form at this range for the coil. FINX is not ready for whats about to happen here"
X Link @andycyau 2025-10-13T18:24Z 1184 followers, 3124 engagements

"@bigmark419 @meeijer when does brand matter when consumers look at price when they shop with IAs nor does brand matter when they buy something at point of sale via embedded partners. $PGR never had a brand initially when they scaled to be the largest auto carrier"
X Link @andycyau 2025-10-13T21:39Z 1183 followers, XX engagements

"@CernunnosCap geico has XX% margins despite inferior loss ratios and outdated tech. also $PGR should have had a XX% CR quarter if it wasn't for the one time 950m credit. i think X% margins is conservative"
X Link @andycyau 2025-10-16T00:34Z 1184 followers, XXX engagements

"$TSLA has been doing insurance for over X years. they are only in XX states and still has a 120%+ CR. that huge pile of cash isn't bringing them anywhere. you talk about data but ROOT has the most driving data. who said just hyundai ROOT has dozens of major partners and multiple large players that they have yet to announce. You have to realize that ROOT's two major partners out of dozens will be responsible for 5b+ in annual revenue. If you actually understand the extent of what ROOT is actually doing you'll realize why ROOT will eclipse PGR by market cap within a decade"
X Link @andycyau 2025-10-16T02:32Z 1185 followers, XX engagements

"nice welcome to the team brother. theres certain periods where there is elevated shorting for several weeks(just like what we are seeing now) and those periods generally follow with aggressive covering(outlined the pattern on a previous post). $ROOT seems to be at the tail-end of that stretch. either way anything can happen short term but at the end of the day $ROOT is criminally undervalued and its valuation will eventually catchup"
X Link @andycyau 2025-10-06T20:36Z 1184 followers, XXX engagements

"$root would need a XX% CR on average in the past X years for it to even be considered with the same isolated credit issues in Fl for $pgr. short sellers would take it down at any chance they get"
X Link @andycyau 2025-10-15T19:23Z 1184 followers, 1947 engagements

"@TheWeaselofWS institution add was 20%+ QoQ. Massive adds while $root went lower"
X Link @andycyau 2025-10-14T20:17Z 1184 followers, XXX engagements

"@punderfultweet @CedarStResearch no way they are expecting 200K for September. thats more than august where it was a summer vs fall cycle"
X Link @andycyau 2025-10-15T22:18Z 1184 followers, XX engagements

"@Mr_Derivatives criminally undervalued here with $ROOT building a network with the largest auto players including $TM and Hyundai. only 1.3b mcap & trades at 1/100x the size of $PGR despite beating legacy on key metrics all around"
X Link @andycyau 2025-10-07T14:32Z 1177 followers, XXX engagements

"@punderfultweet @CedarStResearch i do think $PGR at these levels are attractive. it hasn't been a good year for them- price performance wise but fundamentally they have been solid. glad to see you own some ROOT i do prefer ROOT multiple times over"
X Link @andycyau 2025-10-15T23:30Z 1186 followers, XX engagements

"One of $ROOT 's partner is Experian which has data of almost every person in the US. $ROOT has been seen to be the cheapest auto carrier on their marketplace throughout multiple states. As Experian's insurance marketplace becomes more mainstream & as $ROOT works toward nationwide coverage Experian will become an incredible partner especially where $ROOT has become the preferred carrier beating legacy pricing left and right. Thats 250m+ potential user conversions"
X Link @andycyau 2025-09-28T19:06Z 1177 followers, 1804 engagements

"the problem with that thought is that both $ALL & $PGR aren't really growing. you apply a low P/S for companies that don't grow. ROOT in the other hand could grow at 50%+ CAGR next year with growth levers hit. in addition ROOTs potential margins will be much better than legacy. i wouldn't follow the same P/S ratio here. I.E look at $HOOD vs $SCHW where innovation & growth places $HOOD 's P/S multiple at 5-6x+ higher than legacy $SCHW"
X Link @andycyau 2025-10-08T15:27Z 1183 followers, XXX engagements

"@gdmtalkss 2024 had the worst CAT storms historically. X dent to root. Meanwhile legacy who carries riskier cat prone policies got hit with negative CRs"
X Link @andycyau 2025-10-13T17:32Z 1181 followers, XXX engagements

"How much would you pay for a stock that could become bigger than $PGR by the end of the decade The insurance equivalent of $HOOD or $TSLA 10B 20B 30B or 50B $ROOT insurance is changing the industry but trades at a 1.3B mcap. i'll gladly pay 10x+ for $ROOT TODAY"
X Link @andycyau 2025-10-14T14:09Z 1186 followers, 1936 engagements

"Everyone is being tracked. So its not one or the either there. Look at what $root is doing in the partnership channel. Theres no bias on brand or tracking there. Telematics isnt being used. This is where root will outgrow $pgr . $root has the first embedded platform of its kind with a dealer and soon an OEM. Market has no idea how to price that. Two of $root s partner of dozens will be contributory of 5b+ in annual revenue growth. Its not IF its when $root will eclipse $pgr. The tech darling always ends up outgrowing the dated dinosaurs"
X Link @andycyau 2025-10-12T18:22Z 1171 followers, XX engagements

"if this isn't indicative of growth i don't know what is. $ROOT hires a new CISO stealing a talent from $CHWY. Srini left a 17B co to join a sub 1.4b insuretech this is in addition to $ROOT looking to hire a "chief of staff". you don't hire a COS unless you expect massive growth to come this is what you call GROWTH MODE"
X Link @andycyau 2025-09-30T23:19Z 1185 followers, 5223 engagements

"you got the thesis wrong. if anything the road is going to get more dangerous in the short-medium term when people become reliant on AV software as accidents will double. Premiums will skyrocket across the board. $tsla has double the amount of accidents than any other brand and you only wonder why. as for the test drive the psychological barrier only goes so far when price becomes a motivator. secondly a large percentage of their new policy writings from partnerships do not require a test drive. they are conquering 55%+ of 500B auto TAM via IAs & embedded platforms. the thought that ROOT will"
X Link @andycyau 2025-10-14T13:57Z 1177 followers, XXX engagements

"the two channels that ROOT is dominating in which is IA's and embedded partnerships the customers don't even look at the brand. thats 55%+ of the market right there. the multiple home insurance policies that i have i've never heard of the brands but i just went with them due to price. When $PGR became the #1 carrier no one really knew who they were. they gain traction via partnerships"
X Link @andycyau 2025-10-15T22:24Z 1185 followers, XX engagements

"so your margins are low $PGR just hit XX% margins for August by the way. Geico had 20%+ margins at some point with a XX% expense ratio. all these legacy insurers also don't grow so they deserve low P/S ratios. ROOT shouldn't be placed on the same level with them on P/S especially where growth for ROOT is on another level the difference is both of those insurers still work on mainframes and have outdated tech. ROOT could easily replicate Geico's XX% expense ratio especially where ROOT is tech first & founder led where they can find inefficiencies easier. XX% margins for ROOT isn't out of the"
X Link @andycyau 2025-10-05T23:37Z 1184 followers, XXX engagements

"$root is the next 1000x. Will be larger than $pgr by the decade and trades at 1/100x the size right now. Its criminally undervalued at these levels. Look at what they are doing in their partnership channel -building networks with the largest auto players left and right including Hyundai & Toyota"
X Link @andycyau 2025-10-05T13:57Z 1185 followers, 1826 engagements

"this is quietly saying "i have money to throw around" for "strategic partners" to come. this is a completely NEW branch to be built. Finx isn't ready for the next wall street darling. $ROOT"
X Link @andycyau 2025-10-14T18:04Z 1184 followers, 2134 engagements

"@CedarStResearch @punderfultweet i think the market will be surprised how well ROOT does on the IA channel. you did buy $PGR before you bought ROOT"
X Link @andycyau 2025-10-15T23:09Z 1184 followers, XXX engagements

"@Lifeizgood07 the $ROOT squeeze will be insane. imagine shorting at a 1.25B marketcap at the absolute bottom. short MM messed up big time haha"
X Link @andycyau 2025-10-09T21:32Z 1184 followers, XXX engagements

"the technicals don't matter here. you got a short whale who just sunk 300K+ SI in X weeks to make it "appear" that the chart broke. its pure manipulation to prevent people like you to buy or force a sale playing into their hands. the only thing that matters is "when" they cover or when institutions steps in to buy"
X Link @andycyau 2025-10-14T14:00Z 1175 followers, XXX engagements

"$ROOT literally checks all your bonus points 1.2B mcap founder led inflection point of growth where partnerships are growing at 3X YoY which will be material in the immediate quarters balance sheet with 1b cash equivalents and in an industry that is DEFENSIVE. has the potential to be larger than $PGR by the decade and trades at less than 1/100x in marketcap"
X Link @andycyau 2025-10-11T14:49Z 1174 followers, 9160 engagements

"it didn't take long and several days later the $ROOT community just crossed the XXX member mark 🎇 smart money is catching on. looking forward to the day when the $ROOT community reaches the 1k+ milestone and ultimately 5k+ members. share price growth will soon ultimately follow at multiple levels higher. you can join here:"
X Link @andycyau 2025-10-12T14:38Z 1184 followers, 3038 engagements

"@unusual_whales $ROOT is criminally undervalued with 1000x+ potential. $ROOT is building a network with the largest players in auto including $TM & Hyundai & many others to come. It is also beating legacy on key metrics all around. despite this it is trading at 1/100X the size of $PGR"
X Link @andycyau 2025-10-05T17:14Z 1174 followers, 5068 engagements

"for those who are wondering why $PGR's combined ratio jumped over 100%+ in September this is the commentary made around it. $PGR had to record a 950m policyholder credit"
X Link @andycyau 2025-10-15T13:06Z 1184 followers, 1510 engagements

"@etc_research haha im sure you would. i'll be adding at any chance i get at these discounted levels $ROOT"
X Link @andycyau 2025-10-14T14:15Z 1180 followers, XXX engagements

"thanks for chiming in Rahul its really not good comparators for sure. both will do extremely well. i really do like $OSCR but if you had to make me choose it is $ROOT multiple times over. realistically after $OSCR takes into account of their XX% loss & SGA R&D S&M etc $OSCR margins gets shrunk down to 0-5%. everyone is talking about "gross margins" but those other expenses aren't going to disappear. its going to take time where economy of scale kicks in. even $UNH margins are at X% despite scale. hypothetically if we assume $OSCR reaching X% margins in 2027 that would still be a fraction of"
X Link @andycyau 2025-10-06T22:59Z 1184 followers, XXX engagements

"@CarioCapital @SamBruebaker @TheWeaselofWS but TAM on rental + pet = 10b. those are policies even legacy don't even try to chase. look at $PGR & Geico. 90%+ of their books is in auto. thats the only P&C line that should really matter. doing dozens of things at once is counterproductive"
X Link @andycyau 2025-10-10T20:22Z 1179 followers, XX engagements

"@sixers0321 @Lifeizgood07 @KabraxFX @longoption @pepemoonboy @Mindset4Money_X @Mr_Derivatives your logic means every insurance company is a bad investment because $PGR & Geico have reviews that are much worse. its an industry standard. you didn't really dig deep"
X Link @andycyau 2025-10-09T23:25Z 1183 followers, XX engagements

"@HighTideinHHH @mvcinvesting should be able to get a quote in a few mins. some people click on alternative sites and get rerouted(not to ROOT)"
X Link @andycyau 2025-10-11T20:14Z 1173 followers, XXX engagements

"The absolute worst article ever lol. You dont use book value to valuate a small growth cap. just look at $ryan which has -4b in tangible equity but yet trades at 10x roots valuation despite doing similar NI. You also cant utilize ROE metrics on growth names. Its like saying all MAG 7s were bad investments because they were unprofitable and had negative ROE. Root at peak traded at XXXXXX and was losing 500m annually. That will skew any metric. Today its on its way to making 300m next year but yet trades at an XX% discount to ATH & over XX% discounted since X months ago"
X Link @andycyau 2025-10-01T18:13Z 1184 followers, XXX engagements