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@JM_Investment0 "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

"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

"@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

"A lot of red again across my portfolio today. $FOUR and $ROOT in particular look like fantastic opportunities. I have bought both again and will happily continue to average down maybe even freeing up cash from other positions. I also like $PGY at this price"
X Link @JM_Investment0 2025-10-16T18:16Z 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, 2593 engagements

"I took advantage of this dip and increased my $ROOT position by a third"
X Link @JM_Investment0 2025-10-15T20:49Z XXX followers, 1831 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, 1818 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, XXX 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, XXX engagements

"For more traditional insurers you could argue it kind of is but this is where $ROOT has an advantage. In a nutshell with the data they gather and their AI underwriting they price risk more effectively and can generate quotes instantly for partners to use which gives them lower costs and better access to customers"
X Link @JM_Investment0 2025-10-07T22:01Z XXX followers, XXX 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, 2560 engagements

"One great thing about $ROOT embedded channels is their partners are growing too even as $ROOT gains market share. Carvanas Q2 vehicles sold was up XX% YoY. Hyundai USA H1 vehicles sold was up XX% YoY. Thats lots more vehicles being sold offering $ROOT"
X Link @JM_Investment0 2025-10-16T17:41Z XXX followers, 2230 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, 9862 engagements

"@AXDWealth Carvana is a big part of their embedded growth but not the only one they also have partnerships with Hyundai and a few others. Losing Carvana might show growth short term and is a risk but I dont think its a thesis breaker. Why do you dislike them so much"
X Link @JM_Investment0 2025-10-16T13:11Z XXX followers, XX 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, XXX 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, 3211 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, 1958 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, 1012 engagements

"@DividendNGrowth Have you looked at $FOUR That and the ones you mentioned are some of my favourite stocks at the moment"
X Link @JM_Investment0 2025-10-13T17:51Z 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, 4353 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, 8798 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, 1333 engagements

"@stock_unlock Ive got to pick $FOUR here much higher growth less likely to be disrupted. $PYPL is basically priced to fail though so probably not much downside"
X Link @JM_Investment0 2025-10-05T14:48Z XXX followers, XXX 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, 3970 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, 3381 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, 1549 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, XXX 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, 1124 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

"Thanks Andy thats interesting I was thinking to 2030 for growth and could see potentially XX% in XX and XX but margin seems high what makes you use XX% Even the best auto insurers are around XX% right I definitely like to stay on the conservative though because if something looks good there then you really know youre onto a winner"
X Link @JM_Investment0 2025-10-15T07:34Z XXX followers, XX engagements

"My post was saying this is the FCF & share price now if management guidance of $1B is met this would be the new share price at the same multiple. They reported their guidance in adj. FCF so I used that in my calculation to be consistent. Is your point that I said FCF and didnt specify it was adjusted Sorry Im not really following otherwise"
X Link @JM_Investment0 2025-10-03T17:27Z XXX followers, XX 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, 8343 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, 2215 engagements

"I believe $ROOT is around $XX right now & I believe one of the best buy opportunities youll get Its down X% today likely due to $PGR earnings $PGR missed on EPS mainly due to a one-off regulatory cost that doesnt apply to $ROOT Market sentiment is dragging $ROOT down not fundamentals Read the thread below if you want to see why Im bullish on $ROOT 👇"
X Link @JM_Investment0 2025-10-15T17:32Z XXX followers, 15.4K engagements

"Im not really a technical guy so I cant comment from a floor in that perspective which I think is what you mean but fundamentally if they continue to execute well the current price will quickly seem extremely cheap. When the market dipped on Friday $ROOT did seem to hold up well struggling to go below $XX so there may be a bit of a bottom there unless some bad news blasts through it"
X Link @JM_Investment0 2025-10-15T07:31Z XXX followers, XXX 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, 2367 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, XXX 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

"@ValuationEdge_ Great job with that LEAP I only wish Id bought more"
X Link @JM_Investment0 2025-10-08T07:28Z XXX followers, XX 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, 13.4K 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

"$FOUR under $XX is imo one of the best risk adjusted opportunities out there right now I doubled my position this week and below is why 👇"
X Link @JM_Investment0 2025-10-04T21:47Z XXX followers, 1160 engagements

"@SUMOmomentums @grok I dont know $BRO but Id maybe agree - $LMND is targeting a bigger TAM at the moment by working across multiple insurance categories so there is lots of potential however $ROOT is much better value so may still have better upside potential and its definitely got less downside"
X Link @JM_Investment0 2025-10-15T17:55Z 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

"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, XXX engagements

"@ValuationEdge_ I really wanted to buy $UNHG when it was first made but my exchange doesnt offer it"
X Link @JM_Investment0 2025-10-08T11:41Z XXX followers, XX 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

"@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, 2460 engagements

"$PYPL is green and $NBIS is red I cant believe what Im seeing"
X Link @JM_Investment0 2025-10-14T17:36Z XXX followers, 1195 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, 1053 engagements

"@drugmoolah Its not crazy cheap like $FOUR and is a much smaller position but I do think its getting into cheap territory. I think the upside is high if they continue to execute"
X Link @JM_Investment0 2025-10-06T17:24Z XXX followers, XXX 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, XXX 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, 1412 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

"@Mr_Derivatives $UNHG was the only time Ive wanted to buy a levered instrument and I couldnt get it on my exchange"
X Link @JM_Investment0 2025-10-06T20:51Z XXX followers, XXX engagements

"Im watching $MELI as a potential new position on this pullback I love their sustained high growth and think there could be lots of tailwinds and potential to keep growing more. Price Im not sure on but if it keeps dropping Ill start seriously looking into them"
X Link @JM_Investment0 2025-10-16T18:39Z 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