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@HettyGreen2020 "$OPRT cratering is a CDFI After Tricolor some borrowing from @standuquesne : "Short then investigate" Unlike Tricolor (auto) OPRT does UNsecured consumer loans to poor ppl. XXX avg score vs XXX = less default risk but little to no recovery $JEF $GS $DB do the sec'zs"
X Link @HettyGreen2020 2025-10-15T18:46Z XXX followers, XXX engagements

"$HCI $XZO HCI now $XXX from $XXX when we flagged this. Exzeo's S-1/A dropped: @ $21/sh IPO midpoint with greenshoe Exzeo will have a market cap of $1.9bn (91.9m shares) and $280m of net cash () That's 24x net income of $80m"
X Link @HettyGreen2020 2025-10-16T15:32Z XXX followers, XXX engagements

"$SDHC Hardly anyone talks about them industry low cycle times/capital efficiency growing in new markets. Legit could grow into a $NVR margin profile Hope they are repurchasing shares rn Illiquid so institutions have trouble with itexcept for unique shops like Conifer"
X Link @HettyGreen2020 2025-09-12T17:24Z XXX followers, XXX engagements

"$HCI $XZO Positioned as an underwriting-first platform unlike the policy admin/billing/claims SaaS firms like $GWRE (which Exzeo also does). HCI LRs have been exceptional"
X Link @HettyGreen2020 2025-09-25T14:24Z XXX followers, XXX engagements

"10x on $XZO is a little arbitrary based on customer concentration standing start to growth strong margins But compare that to $GWRE which trades at PE of 285x 2025A.or slow growth $VRSK at 37x LTM $HCI"
X Link @HettyGreen2020 2025-09-25T14:36Z XXX followers, XXX engagements

"@standuquesne Pathward $CASH is putting back to $OPRT all OPRT loans it has retained by Feb 2026 Makes you think"
X Link @HettyGreen2020 2025-10-15T18:49Z XXX followers, XX engagements

"Heady multiple given only X big (loyal) customer (HCI) so let's see if it holds. Cheap vs. $GWRE. $HCI will own 75m shares or XX% = $1.6bn or $XXX per HCI share. Implies rest of HCI is worth $950m or $73/sh. At only $160m AT income HCI ex- $XZO is now valued at 6x"
X Link @HettyGreen2020 2025-10-16T15:32Z XXX followers, XX engagements

"@CedarStResearch Any thoughts on the brokers today"
X Link @HettyGreen2020 2025-10-16T20:47Z XXX followers, XXX engagements

"@CedarStResearch Thanks. Will the Acrisure IPO ever come Easy to forget a name like BRO went nowhere from 2006-15. Need rate. M&A multiples really are sticky high. These guys can crank margin though"
X Link @HettyGreen2020 2025-10-16T22:37Z XXX followers, XX engagements