#  @JM_Investment0 JM Investments JM Investments posts on X about $four, $root, $zeta, growth the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/twitter::1933229730880274432/interactions)  - [--] Week [------] -2.90% - [--] Month [-------] +13% - [--] Months [---------] +4,850% - [--] Year [---------] +2,278% ### Mentions: [--] [#](/creator/twitter::1933229730880274432/posts_active)  - [--] Week [--] -11% - [--] Month [---] -23% - [--] Months [-----] +1,620% - [--] Year [-----] +157,500% ### Followers: [-----] [#](/creator/twitter::1933229730880274432/followers)  - [--] Week [-----] +2.50% - [--] Month [-----] +18% - [--] Months [-----] +1,480% ### CreatorRank: [-------] [#](/creator/twitter::1933229730880274432/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) 77.84% [cryptocurrencies](/list/cryptocurrencies) #4696 [finance](/list/finance) 34.73% [technology brands](/list/technology-brands) 16.77% [countries](/list/countries) 4.19% [automotive brands](/list/automotive-brands) 1.2% [social networks](/list/social-networks) 0.6% [financial services](/list/financial-services) 0.6% [celebrities](/list/celebrities) 0.6% **Social topic influence** [$four](/topic/$four) #28, [$root](/topic/$root) #38, [$zeta](/topic/$zeta) #27, [growth](/topic/growth) 14.97%, [in the](/topic/in-the) 14.97%, [$dlo](/topic/$dlo) #13, [$nbis](/topic/$nbis) #437, [$pypl](/topic/$pypl) 10.18%, [stocks](/topic/stocks) 8.38%, [$oscr](/topic/$oscr) #135 **Top accounts mentioned or mentioned by** [@fundbreakdown](/creator/undefined) [@letushead](/creator/undefined) [@sergeant991](/creator/undefined) [@fundasyinvestor](/creator/undefined) [@mvcinvesting](/creator/undefined) [@retiredlifenc](/creator/undefined) [@bjmtweets](/creator/undefined) [@longonestocks](/creator/undefined) [@montana29615](/creator/undefined) [@heinzyketchupy](/creator/undefined) [@thestockbro](/creator/undefined) [@investincintel](/creator/undefined) [@axnaxx18](/creator/undefined) [@paulcerro](/creator/undefined) [@haddadjac79558](/creator/undefined) [@longbitconnect](/creator/undefined) [@jaymbk14](/creator/undefined) [@kobeissiletter](/creator/undefined) [@colby17201470](/creator/undefined) [@rileye645](/creator/undefined) **Top assets mentioned** [4 (FOUR)](/topic/$four) [The Root Network (ROOT)](/topic/$root) [ZetaChain (ZETA)](/topic/$zeta) [DLocal Limited (DLO)](/topic/$dlo) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [Molina Healthcare, Inc. (MOH)](/topic/$moh) [UiPath, Inc. (PATH)](/topic/$path) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Centene Corp (CNC)](/topic/$cnc) [Shift4 Payments, Inc. (FOUR)](/topic/shift4-payments) [UnitedHealth Group (UNH)](/topic/$unh) [Rocket Lab USA, Inc. Common Stock (RKLB)](/topic/$rklb) [Progressive Corp (PGR)](/topic/$pgr) [Global Payments Inc (GPN)](/topic/$gpn) [Cigna Corp (CI)](/topic/$ci) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Elevance Health Inc (ELV)](/topic/$elv) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Evotec SE (EVO)](/topic/$evo) [Rubrik, Inc. (RBRK)](/topic/$rbrk) [Mastercard, Inc. (MA)](/topic/$ma) ### Top Social Posts Top posts by engagements in the last [--] hours "I started a new position in $TE recently and its very different to my usual ones They are a US solar panel manufacturer with potential AI tailwinds but LOTS of execution risk. They are an alternative to Chinese manufacturers and stand to benefit from several US subsidies. AI applications are demanding more power than currently available and $TE could be an avenue to support that. However revenue is very low currently theyre loss making and they need to raise a lot of cash. They have had a huge run up in the last month but also dropped a fair bit in the last few days after announcing dilution" [X Link](https://x.com/JM_Investment0/status/1999500684060655837) 2025-12-12T15:24Z [----] followers, [----] engagements "Shift4 Payments $FOUR Chairman and former CEO Jared Isaacman has now been sworn in as NASA Administrator. As part of this Isaacman must reduce his voting rights in $FOUR to avoid conflicts of interest. Isaacman is the largest shareholder of $FOUR and holds 75% of voting rights with around 25% of shares outstanding. Currently the majority of his shares are Class B super-voting shares worth 10x the vote of Class A but the same economic value. To reduce his voting rights his Class B shares are essentially going to be converted to Class A. Crucially this means NO dilution or selling. Class B" [X Link](https://x.com/JM_Investment0/status/2002386642187739198) 2025-12-20T14:32Z [----] followers, [----] engagements "1. Global Payments $GPN is a payments processor trading at a rock bottom valuation but generating enormous amounts of cash. Management are guiding for $5B FCF in [----] on a market cap of $20B" [X Link](https://x.com/JM_Investment0/status/2002839831463022919) 2025-12-21T20:33Z [----] followers, [---] engagements "6. Shift4 Payments $FOUR are like the better version of $GPN to me - smaller fast growing & better diversified at a similar price Management are expecting $1B adj. FCF in [----] on a $6B market cap and are buying back $1B of shares. Growth is consistently 30%+ while FCF margins are around 20% and should improve as they scale. If they are successful with their goals the upside is huge. https://twitter.com/i/web/status/2002839869140132082 https://twitter.com/i/web/status/2002839869140132082" [X Link](https://x.com/JM_Investment0/status/2002839869140132082) 2025-12-21T20:33Z [----] followers, [---] engagements "Anyone still own $OSCR It was the hot stock in summer every other post about them now nothing. I think theres huge potential for them in 2026" [X Link](https://x.com/JM_Investment0/status/2004855891859046463) 2025-12-27T10:04Z [----] followers, [----] engagements "Im very bullish about managed care this year They plummeted last year mostly on elevated costs and low margins But the markets growing theyre already repricing & the trends are starting to reverse Heres a few names I like right now: [--]. $UNH [--]. $MOH [--]. $CNC [--]. $OSCR Ill post a thread about why soon https://twitter.com/i/web/status/2009030859110731938 https://twitter.com/i/web/status/2009030859110731938" [X Link](https://x.com/JM_Investment0/status/2009030859110731938) 2026-01-07T22:34Z [----] followers, [----] engagements "Positions Im adding to right now & why: [--]. $ZETA Great business & STILL cheap. Fundamentals & technicals look good. [--]. $PATH My position is too small. Theres loads of potential & less downside. Could be industry changing if things go well. [--]. $MOH Best risk/reward in managed care - one of my key themes this year. The turnaround is starting & they have momentum. https://twitter.com/i/web/status/2009938721877938390 https://twitter.com/i/web/status/2009938721877938390" [X Link](https://x.com/JM_Investment0/status/2009938721877938390) 2026-01-10T10:41Z [----] followers, 29.8K engagements "This is great news for $NBIS Last I read they own a 28% stake in Clickhouse That stake has gone from $1.8B to $4.2B in about [--] months and I think it could be worth much more in another [--]. 🚨 JUST IN: ClickHouse has raised $400M at a $15B valuation up from $6.35B in May [----]. VERY bullish for $NBIS. - ARR now at several hundred million dollars - Not yet ready to go public management wants to improve several things first - Over half of revenue comes from https://t.co/t4BQIEiTVA 🚨 JUST IN: ClickHouse has raised $400M at a $15B valuation up from $6.35B in May [----]. VERY bullish for $NBIS. - ARR" [X Link](https://x.com/JM_Investment0/status/2012260501959418216) 2026-01-16T20:27Z [----] followers, [----] engagements "I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding and interested in lots of other stocks too As an example my $DLO deep dive is nearly finished and will be out this weekend" [X Link](https://x.com/JM_Investment0/status/2012463475415544087) 2026-01-17T09:54Z [----] followers, [----] engagements "My first draft of my $DLO deep dive is done and Im just doing the final run-through Its ended up much longer than Id planned - I try to be concise But its also probably the best thing Ive written yet I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding and interested in lots of other stocks too As an example my $DLO deep dive is nearly finished and will be out this weekend https://t.co/bxkkhoS2ta I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding" [X Link](https://x.com/JM_Investment0/status/2012537294893269346) 2026-01-17T14:47Z [----] followers, [----] engagements "Ive never bought options before but its getting tempting to buy some $FOUR LEAPs here $100 strike price for Jan [----] looks good I cant see how they dont print without something disastrous Although maybe people said the same about $PYPL two years ago" [X Link](https://x.com/JM_Investment0/status/2015553360363978789) 2026-01-25T22:32Z [----] followers, [----] engagements "@RetiredLifeNC Exactly My average price for $CNC is $25 $MOH especially Id be happy to add more" [X Link](https://x.com/JM_Investment0/status/2016274295362605471) 2026-01-27T22:17Z [----] followers, [---] engagements "I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://open.substack.com/pub/jminvestments/p/root-insurance-root-deep-dive-one https://open.substack.com/pub/jminvestments/p/root-insurance-root-deep-dive-one" [X Link](https://x.com/JM_Investment0/status/2016577675410735162) 2026-01-28T18:22Z [----] followers, [---] engagements "@bjmtweets Thats interesting whats it called Im scratching my head looking for what Im missing with $ROOT seems almost too obvious" [X Link](https://x.com/JM_Investment0/status/2016616731561656767) 2026-01-28T20:57Z [----] followers, [---] engagements "With all the managed care drama I didnt even notice $FOUR is now flirting with sub $60 and at 1Y lows At this price its really hard to be bearish I made the thread below when it was about $63 and now its even cheaper If Q4 results are good it could be unbelievable I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇 https://t.co/RtcqERqhsZ I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing" [X Link](https://x.com/JM_Investment0/status/2016642314597269510) 2026-01-28T22:39Z [----] followers, [----] engagements "Theres a few stocks starting to look really good today Some Im watching: - $FOUR - $ZETA - $ROOT - $PATH - $RBRK Im not sure how this dip will progress so I will wait for some sign of bottoming first though even if it means missing a few %" [X Link](https://x.com/JM_Investment0/status/2016932674493919258) 2026-01-29T17:53Z [----] followers, [----] engagements "Update on the $ZETA & $PATH charts: $ZETA seems to be holding around $19.50 on the 100D MA mentioned below & the 21W MA is there too ✅ If it holds here tomorrow Ill probably add $PATH has blown through support and is on its last chance really 🚩 All thats left is the 50W MA $13.10 It needs to close above it tomorrow or things arent looking great short term in my opinion Another big $ZETA & $PATH dip today but once again Im not adding YET First both need to hold on the key support levels below like they did last time $ZETA [--] & [---] day MA $19.60 $PATH [--] week MA $14 or [---] day $13.45 Its" [X Link](https://x.com/JM_Investment0/status/2016985804305027218) 2026-01-29T21:24Z [----] followers, 18.7K engagements "Great insight into what we could expect from $FOUR Restaurant cross border and travel & entertainment payments all up Earnings are 20th Feb and Im expecting good results $FOUR - Today was the catalyst day for the stock to bounce given the strong numbers posted by $MA today followed by Visa and AE. All [--] reports suggests surge in spending that matters the most for Shift4. Q4 is the first Qtr where GB Numbers will full flow in FOUR numbers. https://t.co/fZd73BPXH1 $FOUR - Today was the catalyst day for the stock to bounce given the strong numbers posted by $MA today followed by Visa and AE. All" [X Link](https://x.com/JM_Investment0/status/2017138044508184946) 2026-01-30T07:29Z [----] followers, [---] engagements "Bankruptcy is unlikely. They are pretty well covered against catastrophes with their reinsurance set up and surplus plus theyre generally GAAP profitable so not burning cash. A catastrophe might slow growth but its very unlikely they can go bankrupt. If interested I talked about their reinsurance and more in my deep dive below I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://t.co/DQeeZlAyLf https://t.co/8A3Rkz4K3O I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://t.co/DQeeZlAyLf https://t.co/8A3Rkz4K3O" [X Link](https://x.com/JM_Investment0/status/2017322637605954011) 2026-01-30T19:42Z [----] followers, [--] engagements "Im in an airport & buying clothes I would otherwise deem too expensive in hope that its processed by $FOUR and flows back to me as a shareholder Thats logical right" [X Link](https://x.com/JM_Investment0/status/2017518273261158609) 2026-01-31T08:40Z [----] followers, [----] engagements "Continuing these updates on $ZETA & $PATH after a very red week Both have fallen below the moving averages below now $ZETA has a few more left & next is the 100W at $18.50 where it seemed to hold last week. After that next is the 200D at $17.40 If we close and hold on any of these Ill be adding $PATH on the other hand has blown through everything and is in free fall Fundamentally it looks good but technically its pretty bad I wont add here until theres a clear bottoming and turnaround despite good fundamentals & it could go lower Update on the $ZETA & $PATH charts: $ZETA seems to be holding" [X Link](https://x.com/JM_Investment0/status/2018122128126787792) 2026-02-02T00:39Z [----] followers, 13.2K engagements "$PLTR score of [---] is ridiculous but this chart highlights a few other interesting scores too $PGY with 63% $ZETA with 44% And Ive never even heard of $PTC $PLTR This slide says it all. Period. https://t.co/pch5AjRkrf $PLTR This slide says it all. Period. https://t.co/pch5AjRkrf" [X Link](https://x.com/JM_Investment0/status/2018482211213689059) 2026-02-03T00:30Z [----] followers, [----] engagements "$MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH reported bad results & terrible guidance MCR very high I have sold both completely. Theyll be a turnaround eventually Im sure but I dont want to hold through whatever happens until then. $CI just reported earnings the third big insurer this quarter EPS beat & revenue met consensus 🟢 But MCR was high at 88% 🔴 Guidance was below expectations and setting up [----] as a reset year 🟠 The pharmacy & services business shielded them from the worst of it. https://t.co/uPzVyLfHb7 $CI just" [X Link](https://x.com/JM_Investment0/status/2019530453863325967) 2026-02-05T21:55Z [----] followers, [----] engagements "RT @JM_Investment0: For the last [--] weeks Ive been saying Id wait to buy $PATH & $ZETA If you followed this youd have avoided a drawdow" [X Link](https://x.com/anyuser/status/2019720926934503895) 2026-02-06T10:32Z [----] followers, [--] engagements "@Gubloinvestor @TheRonnieVShow $CNC & $MOH earnings" [X Link](https://x.com/JM_Investment0/status/2019733957588484314) 2026-02-06T11:24Z [----] followers, [---] engagements "Ive seen a few people ask what happened to $OSCR after hours $MOH & $CNC is why it dropped Its a slightly different business to them but their earnings didnt make me particularly bullish about $OSCR $MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH reported bad results & terrible guidance MCR very high I have sold both completely. Theyll be a turnaround eventually Im sure but I dont want to hold https://t.co/W4Y3AzW5Iq $MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH" [X Link](https://x.com/JM_Investment0/status/2019736542798037368) 2026-02-06T11:34Z [----] followers, [---] engagements "Replying to you both here Ill never get it exactly right of course but I basically want to see a few days where the price is fairly stable or rising ideally coupled with some sort of technical support level. Right now both are in no-mans land technically and everyday theyre dropping several percent. Once that momentum slows Ill start to add. This will mean Ill miss the exact bottom but I think it makes me less likely to catch the falling knife and protects me from downside. Id rather miss a few % upside than badly time a buy and lose several %. If I went on fundamentals only Id be happy" [X Link](https://x.com/JM_Investment0/status/2019788072175415678) 2026-02-06T14:59Z [----] followers, [--] engagements "@FundBreakdown Sure but on the other hand why are $MOH retreating and what can $OSCR do that $MOH have not been able to" [X Link](https://x.com/JM_Investment0/status/2019835524131766386) 2026-02-06T18:08Z [----] followers, [---] engagements "@letushead @Sergeant991 I first bought $PATH in the $15s after Q3 earnings last time it was in the $13s I wasnt sure about it to be honest I hadnt done any research" [X Link](https://x.com/JM_Investment0/status/2019853491255275673) 2026-02-06T19:19Z [----] followers, [---] engagements "@FundasyInvestor @FundBreakdown Theres definitely some merit to that but I dont think theyll be immune to the difficulties $MOH have Im saying that as an $OSCR shareholder" [X Link](https://x.com/JM_Investment0/status/2019949132748591460) 2026-02-07T01:39Z [----] followers, [---] engagements "Oh no I didnt predict theyd drop like they have or Id have sold - I have a big position in $ZETA especially which is down over 20% from highs - but this drop didnt happen in one day it happened over several. After day [--] or [--] both these stocks looked like good opportunities fundamentally however they never managed to hold their support which indicated to me that they might keep going lower and you see that in each post. To be totally fair this can go the other way too and Ive sold stocks when theyve lost support only for them to bounce out of nowhere so its not foolproof but I think can help" [X Link](https://x.com/JM_Investment0/status/2019950090731802775) 2026-02-07T01:43Z [----] followers, [---] engagements "@LongOneStocks Yeah $FOUR is a good example with me too actually. I agree but ultimately I think I can improve my timing so that what Im trying to do" [X Link](https://x.com/JM_Investment0/status/2019950713921753328) 2026-02-07T01:45Z [----] followers, [---] engagements "Im at about 20% cash right now My plan is to make a list of stocks I want to buy this weekend And if the market holds on Monday Ill start to DCA Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering" [X Link](https://x.com/JM_Investment0/status/2020254522422272104) 2026-02-07T21:53Z [----] followers, [----] engagements "After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and why: 1) $ZETA Great fundamentals & very cheap here. Im expecting great earnings. Last week it fell under its 50WMA but managed to close strong just above at $17. If we can hold here on Monday Ill be starting to DCA. https://twitter.com/i/web/status/2020624961161793732 https://twitter.com/i/web/status/2020624961161793732" [X Link](https://x.com/JM_Investment0/status/2020624961161793732) 2026-02-08T22:25Z [----] followers, [----] engagements "2) $TE This is a business Im really excited about. They have potential to fill a huge spot in a really hot sector and have had tonnes of momentum recently. Fundamentally theyre a bit speculative but Im ok with that. Technically theyve held their 21DMA really well recently and reclaimed it on Friday. Plus the drawdown earlier in the week was the perfect reset for them. If they can hold around $8.10 on Monday Ill be buying more. If not Ill be looking at support on the 50DMA around $7. Given the speculative nature here I be using a stop loss and keeping the position smaller to limit my downside" [X Link](https://x.com/JM_Investment0/status/2020624973929594890) 2026-02-08T22:25Z [----] followers, [---] engagements "3) $RKLB Another arguably more speculative stock but one with fantastic momentum in a hot sector. They have huge potential hence the premium price and I see this pullback as a good chance to get onboard. They reclaimed the 50DMA $71 on Friday and Ill be buying if they hold it. This is another stock where Ill use a stop loss and smaller position but again Im happy to hold long term. https://twitter.com/i/web/status/2020624986877116606 https://twitter.com/i/web/status/2020624986877116606" [X Link](https://x.com/JM_Investment0/status/2020624986877116606) 2026-02-08T22:25Z [----] followers, [---] engagements "@montana29615 Both really. $ZETA more long term. I already have a big position & Im unlikely to sell unless something goes really wrong. $TE and $RKLB Ill sell if the trend turns but Im also happy to hold long term as great potential growth stories" [X Link](https://x.com/JM_Investment0/status/2020627328653771126) 2026-02-08T22:34Z [----] followers, [---] engagements "It sounds like youre going to be paying it all off eventually so maybe makes sense for you and Id agree with this advice for a regular loan but this needs some big caveats. Student loans dont act like regular ones. Most people will simply pay 9% of their income over the threshold and not pay it off. In that case aggressively paying it down is basically throwing money into a void. https://twitter.com/i/web/status/2020842114456666161 https://twitter.com/i/web/status/2020842114456666161" [X Link](https://x.com/JM_Investment0/status/2020842114456666161) 2026-02-09T12:48Z [----] followers, [---] engagements "I ended up adding to all three of these today and will probably do so each day of the week Im taking it steady for now in case of another dip Ive already got enough of it takes off $ZETA $TE $RKLB After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and why: 1) $ZETA Great fundamentals & very cheap here. Im expecting great earnings. Last week it fell under its 50WMA but managed to close strong just above at https://t.co/7kMIIoOT9H After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and" [X Link](https://x.com/JM_Investment0/status/2021032818797605150) 2026-02-10T01:25Z [----] followers, [----] engagements "@DG_Invests Yeah exactly. They have tonnes of potential but its not an easy sector and sentiment there is not great right now for good reason" [X Link](https://x.com/JM_Investment0/status/2021196409639403998) 2026-02-10T12:15Z [----] followers, [--] engagements "Totally agree. I frequently search for things now with Reddit in the search bar and skip any other sites - if their internal search was better I probably wouldnt even use $GOOGL. Ive never looked at it before as an investment but I cant see it going anywhere and it definitely has a moat other sites dont. Maybe the biggest difficulty will be shedding the edgy Reddit mod sort of persona associated with users by some people to allow mass adoption like other social networks. https://twitter.com/i/web/status/2021205999130996975 https://twitter.com/i/web/status/2021205999130996975" [X Link](https://x.com/JM_Investment0/status/2021205999130996975) 2026-02-10T12:53Z [----] followers, [---] engagements "According to WSJ the Trump Administration is proposing flat Medicare rates next year After hours $UNH is down 8%+ $MOH & $CNC are both down 4%+ This isnt the first time WSJ have ran a headline thats had this affect on $UNH $UNH who report earnings tomorrow pre-market To me this seems targeted at best and suspicious at worst. The Trump administration is proposing roughly flat rates for Medicare insurers next year an update that falls well short of Wall Street expectations - WSJ $UNH stock is currently down by 8% in after-hours on this news https://t.co/KN0SvINZPj The Trump administration is" [X Link](https://x.com/JM_Investment0/status/2015905055732302116) 2026-01-26T21:49Z [----] followers, [----] engagements "$ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what $ROOT would be worth at the same ratio Theres nearly always 2x upside I keep forgetting that $ROOT is only a $1B market cap I think theres a huge amount of potential Their underwriting margins are already up there with the best They just need to grow and gain some operating leverage and theres very easily lots of upside https://t.co/ATdOA2yEQx I keep forgetting that $ROOT is only a $1B market cap" [X Link](https://x.com/JM_Investment0/status/2016576681780121970) 2026-01-28T18:18Z [----] followers, 14.6K engagements "$ROOT looks terrible technically & I dont want to catch a falling knife But I cant stop coming back to the fundamentals here It is ABSURDLY cheap My bear case models look great the bullish ones absurd & even if Carvana disappeared completely it still looks cheap $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what $ROOT would be worth at the same ratio Theres nearly always 2x upside $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP" [X Link](https://x.com/JM_Investment0/status/2017265744975630775) 2026-01-30T15:56Z [----] followers, [----] engagements "$FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in buybacks & are on track for $1B adj. FCF run rate by end of [----] If things go well this will probably be the best buy Ive ever made With all the managed care drama I didnt even notice $FOUR is now flirting with sub $60 and at 1Y lows At this price its really hard to be bearish I made the thread below when it was about $63 and now its even cheaper If Q4 results are" [X Link](https://x.com/JM_Investment0/status/2018700484652027934) 2026-02-03T14:57Z [----] followers, [----] engagements "@jakebrowatzke Just said the same $FOUR doesnt deserve to be at this price $FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in buybacks & are on track for $1B adj. FCF https://t.co/TPHPtIievQ $FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in" [X Link](https://x.com/JM_Investment0/status/2018725613779988687) 2026-02-03T16:37Z [----] followers, [---] engagements "Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in $PATH -5% $PGY -9% And honestly fundamentally Id very happily buy all five right now Ive got a big cash position and Im going to be buying soon" [X Link](https://x.com/JM_Investment0/status/2018756591764320695) 2026-02-03T18:40Z [----] followers, [----] engagements "Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering" [X Link](https://x.com/JM_Investment0/status/2019792240839672135) 2026-02-06T15:16Z [----] followers, [----] engagements "@FundasyInvestor I agree with you good take. $FOUR is probably my favourite stock right now too" [X Link](https://x.com/JM_Investment0/status/2019951027827667454) 2026-02-07T01:47Z [----] followers, [---] engagements "@F_Compounders $FOUR is by far my favourite that comes to mind. Its maybe not buying shares every year it depends how it can use its money but this year its buying back 10-20% of the company" [X Link](https://x.com/JM_Investment0/status/2020937952923435339) 2026-02-09T19:08Z [----] followers, [---] engagements "Im seeing lots of people really impressed by $OSCR guidance and the market seems to be too. Just keep in mind that its only guidance & they didnt quite hit their [----] guidance either. The other key thing - all that revenue is only good if they can make money from it. MLR must decrease substantially and that will be difficult. It will be even harder to decrease MLR AND grow revenue like theyre guiding. I own them & other health insurers theyre definitely cheap and there could be huge upside if they hit this guidance but I dont think its the absolute no-brainer it might appear. $OSCR Q4 & FY25" [X Link](https://x.com/JM_Investment0/status/2021298153790558560) 2026-02-10T19:00Z [----] followers, [----] engagements "@Spike_1567 Yeah exactly $MOH showed us what to expect really" [X Link](https://x.com/JM_Investment0/status/2021299335288213673) 2026-02-10T19:04Z [----] followers, [---] engagements "@HeinzYKetchupY I could see people thinking AI could one day recreate $ZETA platform but they have so much data that AI cant recreate. If anything I think AI helps $ZETA" [X Link](https://x.com/JM_Investment0/status/2021727471624917183) 2026-02-11T23:26Z [----] followers, [---] engagements "@TheStockBro Yeah thats the main thing that could immediately destroy them in my opinion" [X Link](https://x.com/JM_Investment0/status/2021755770069561637) 2026-02-12T01:18Z [----] followers, [--] engagements "Thoughts on Managed Care after the last few days $UNH $ELV $CNC $MOH $OSCR While overall I am bullish on this sector long-term I am starting to think the thesis will take longer to play out than I expected I had expected some return to growth in [----] but I think this could be more likely in [----]. We have had three key bits of information recently: - [----] Medicare rates are likely to be flat or low at best - $UNH yesterday showed that Medicare is still struggling - $ELV today has shown Medicaid margins are shrinking These together confirm things are still not great for managed care at the" [X Link](https://x.com/JM_Investment0/status/2016495705695633603) 2026-01-28T12:56Z [----] followers, [----] engagements "$CI just reported earnings the third big insurer this quarter EPS beat & revenue met consensus 🟢 But MCR was high at 88% 🔴 Guidance was below expectations and setting up [----] as a reset year 🟠 The pharmacy & services business shielded them from the worst of it. Crucially MCR was driven up by ACA plans This plus what $ELV told us about Medicaid margins makes me a little bearish about $CNC & $MOH tomorrow https://twitter.com/i/web/status/2019389056539320444 https://twitter.com/i/web/status/2019389056539320444" [X Link](https://x.com/JM_Investment0/status/2019389056539320444) 2026-02-05T12:34Z [----] followers, [----] engagements "$ROOT is at $800M market cap now For me this is getting into no-brainer back up the truck territory We are at about 0.6x P/S They had a one off cost last quarter which gave them a net loss after several quarters of profit Maybe thats why the market is ignoring them but if theyre profitable this quarter like I expect they will be they could rerate HARD Even my bear cases give good returns now $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what" [X Link](https://x.com/JM_Investment0/status/2019504093413167206) 2026-02-05T20:11Z [----] followers, [----] engagements "For the last [--] weeks Ive been saying Id wait to buy $PATH & $ZETA If you followed this youd have avoided a drawdown of: 32% l in $ZETA 24% in $PATH Unfortunately things still look bad & Im still not buying despite a huge detachment from the fundamentals Both stocks are now in free fall & Im not buying until they show signs of a bottom I might lose some upside but if I rushed in when I thought the value was good Id be down double digits in both. Continuing these updates on $ZETA & $PATH after a very red week Both have fallen below the moving averages below now $ZETA has a few more left & next" [X Link](https://x.com/JM_Investment0/status/2019585790989189133) 2026-02-06T01:35Z [----] followers, [----] engagements "$PGY just released Q4 earnings Big swing to net profitability 🟢 Slight miss on revenue likely due to a tighter lending in Q4 🟠 [----] guidance: 8% to 21% revenue growth 23% to 85% net income growth Stock is down 15% pre-market 🔴 In my opinion its a good quarter theyve prioritised profitability over growth at all costs and shown they can generate cash flow. Growth is slightly lower than Id have hoped but not terrible. https://twitter.com/i/web/status/2020841258638291109 https://twitter.com/i/web/status/2020841258638291109" [X Link](https://x.com/JM_Investment0/status/2020841258638291109) 2026-02-09T12:44Z [----] followers, [----] engagements "$OSCR Q4 & FY25 earnings Revenue growth was ok up 17% YoY 🟠 Big miss on bottom line lost $352.6M vs $153.5M last year 🔴 MLR spiked to 95% causing the loss & medical costs ate nearly all premiums 🔴 SG&A ratio decreased from 19.5% to 18.2% 🟢 But nowhere close to offsetting that MLR increase [----] guidance is for: 60% revenue growth $250-450M operating income 83% MLR and 16% SG&A This would probably give them a small net profit if successful but I think its a big ask 🟠 The stock is up 5% pre-market now but also dropped 10% before that so expect some volatility. Overall I think its a pretty" [X Link](https://x.com/JM_Investment0/status/2021190789640888409) 2026-02-10T11:53Z [----] followers, [----] engagements "BREAKING: $NBIS to acquire agentic search platform Tavily No purchase price has been disclosed and expected to close in the next few weeks" [X Link](https://x.com/JM_Investment0/status/2021231392147853389) 2026-02-10T14:34Z [----] followers, [---] engagements "Im surprising myself saying this but $HIMS is looking interesting here Even without any GLP-1 revenue it looks cheap Even with very little growth And sentiment is terrible The main negatives would be a big FDA fine and I dont really see a moat" [X Link](https://x.com/JM_Investment0/status/2021544163649405235) 2026-02-11T11:17Z [----] followers, [----] engagements "@Investinc_Intel Seems to have bounced instead. I dont know whether to be happy or sad Im not buying it in the $13s" [X Link](https://x.com/JM_Investment0/status/2021666765793898749) 2026-02-11T19:24Z [----] followers, [---] engagements "@axnaxx18 @paulcerro Yeah I really dont see a moat to be honest. Why cant Amazon just do what $HIMS did but better" [X Link](https://x.com/JM_Investment0/status/2021727837057646736) 2026-02-11T23:27Z [----] followers, [---] engagements "@haddad_jac79558 Wow big reduction Jack why now and why so much Do you plan to scale back in if we go lower" [X Link](https://x.com/JM_Investment0/status/2021965351010152592) 2026-02-12T15:11Z [----] followers, [---] engagements "@haddad_jac79558 Makes sense Ive sold off a few positions so Im heavily in cash but not $ZETA of course I would have though if I knew itd get this bad" [X Link](https://x.com/JM_Investment0/status/2021972990586699895) 2026-02-12T15:41Z [----] followers, [---] engagements "$ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50% of my portfolio and get on with my life" [X Link](https://x.com/JM_Investment0/status/2021639386107085280) 2026-02-11T17:36Z [----] followers, 17.3K engagements "Initial thoughts on $NBIS earnings are that it looks great Big beat on ARR and active power 🟢 Big increase to their already lofty guidance 🟢 Adj. EBITDA margins improving 🟢 Depreciation costs are extremely high & all expenses increased but thats part of the business right now. At the moment theres been no new deals announced which maybe the market wont like but I dont think that breaks the thesis it would just be icing on the cake. They are continuing to execute as good as you could want. I think there are legitimate concerns around the valuation being high and the current lack of" [X Link](https://x.com/JM_Investment0/status/2021925412951957814) 2026-02-12T12:32Z [----] followers, [----] engagements "@SixSigmaCapital Ive been looking at $RDDT a lot recently nice to see a how cooked am I post to strengthen my conviction 😂" [X Link](https://x.com/JM_Investment0/status/2021995091490115781) 2026-02-12T17:09Z [----] followers, [---] engagements "With the many stocks down double-digits now its tempting to wade in and buy But what if they keep dipping Being patient and waiting for at least a slight bottom can pay off big time I recently posted about how I try to do this - check it out below https://open.substack.com/pub/jminvestments/p/using-technical-analysis-how-i-try https://open.substack.com/pub/jminvestments/p/using-technical-analysis-how-i-try" [X Link](https://x.com/JM_Investment0/status/2022290890060968210) 2026-02-13T12:44Z [----] followers, [---] engagements "Similar to last week weve got another Friday bounce but be careful adding here It could just be shorts covering before another red week Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering" [X Link](https://x.com/JM_Investment0/status/2022345821291999357) 2026-02-13T16:23Z [----] followers, [---] engagements "Lets talk about dLocal $DLO my largest and highest conviction holding. I wont focus on what they do - lots of people talk about that here. Instead Im going to talk about why I have so much conviction & why I think its good value (still). Sorry its long 🧵" [X Link](https://x.com/anyuser/status/1960155474533192092) 2025-08-26T01:40Z [----] followers, 11.4K engagements "@mvcinvesting Wow $MSFT making deals with $NBIS and $IREN demand must be huge" [X Link](https://x.com/anyuser/status/1985305840979427788) 2025-11-03T11:19Z [----] followers, [----] engagements "I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇" [X Link](https://x.com/anyuser/status/1986870981219025317) 2025-11-07T18:58Z [----] followers, 56.1K engagements "$DLO goes under the radar on X But it might be one of the easiest ways to beat the market over the next few years Ive spent weeks writing a deep dive its my best work yet & now its out Check it out below to see why $DLO is my largest position https://open.substack.com/pub/jminvestments/p/dlocal-dlo-deep-dive https://open.substack.com/pub/jminvestments/p/dlocal-dlo-deep-dive" [X Link](https://x.com/anyuser/status/2012615491542556860) 2026-01-17T19:58Z [----] followers, [----] engagements "Today is almost as bad as yesterday wow $DLO -3% $ZETA -6% $ROOT -4% $NBIS -12% $LMND -15% $PGY -5% $OSCR -5% Ill be buying lots eventually but for now its lots of pain & holding on Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in $PATH -5% $PGY -9% And honestly fundamentally Id very happily buy all five right now Ive got a big cash position and Im going to be buying soon https://t.co/S1eJ5oHeXs Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in" [X Link](https://x.com/JM_Investment0/status/2019104386274979889) 2026-02-04T17:42Z [----] followers, [----] engagements "@longbitconnect My point is I worry that the price increase will make it hard for them to hit revenue targets" [X Link](https://x.com/JM_Investment0/status/2021667125614833726) 2026-02-11T19:26Z [----] followers, [--] engagements "@Investinc_Intel Yeah Im not in a rush to buy right now but I already have a big $ZETA position anyway" [X Link](https://x.com/JM_Investment0/status/2021682429782597788) 2026-02-11T20:27Z [----] followers, [---] engagements "We are going to hit that 200WMA arent we $ZETA at $14.70 and still going This could look like the opportunity of the century in a year $ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50% of my portfolio and get on with my life https://t.co/CBRDiCcbFF $ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50%" [X Link](https://x.com/JM_Investment0/status/2021996161675239925) 2026-02-12T17:13Z [----] followers, [----] engagements "@jaymbk14 Im waiting a while first to buy more" [X Link](https://x.com/JM_Investment0/status/2022040643611353284) 2026-02-12T20:10Z [----] followers, [--] engagements "@KobeissiLetter @grok what are the most held stocks by residents of the Netherlands Maybe I just short all these and beat the market this year" [X Link](https://x.com/JM_Investment0/status/2022438165806764074) 2026-02-13T22:30Z [----] followers, [---] engagements "Companies Im planning to look into: $DUOL $FOUR $ROOT If anyone has any good info on here theyd like to share to get me started Id be grateful" [X Link](https://x.com/anyuser/status/1963407313689043296) 2025-09-04T01:02Z [----] followers, [----] engagements "My thoughts on the $NBIS CEO selling Initially it does seem bearish especially such a large amount does he need $247M But on the other hand this is a man who has effectively had his lifes work business and millions of dollars rug pulled from him when Russia invaded Ukraine. Now hes got another chance it doesnt seem a bad idea to put some money aside. With $247M him and his family are set for generations. Also consider that the economy is looking weaker and locking in some profit seems a good idea. From what Ive read he was pretty much all in on $NBIS and even after this sale he still owns a" [X Link](https://x.com/anyuser/status/1964499627563954659) 2025-09-07T01:23Z [----] followers, [----] engagements "@InvestingVisual Probably something that will change whole industries or lead a future revolution. The thing is $NVDA [--] years ago was selling gaming chips no one had thought of GPUs AI or data centers probably even Jensen Huang himself" [X Link](https://x.com/anyuser/status/1968403710138048627) 2025-09-17T19:56Z [----] followers, [----] engagements "Every day there seems to be a new partnership or development for $DLO love the speed theyre working. Super bullish. And on another note every time there is an update @mvcinvesting seems to post it seemingly within seconds definitely worth a follow. Another day another win for $DLO. $DLO integrates Capitec Pay to expand realtime open banking payments in South Africa. 👀 Capitec has over 24M active clients including 13M app users the largest digital payments audience in the country. Developed by Capitec Bank Capitec https://t.co/USYZafHrI8 Another day another win for $DLO. $DLO integrates" [X Link](https://x.com/anyuser/status/1968629247385166139) 2025-09-18T10:52Z [----] followers, 10.2K engagements "@Sandeman52 Mom how did we get so rich Your dad full ported $NBIS in your account when you were [--] years old" [X Link](https://x.com/anyuser/status/1970152208294621575) 2025-09-22T15:44Z [----] followers, [----] engagements "Another $NBIS PT upgrade. If I remember right this was the only analyst covering them with a price under the current one now its almost double. I think we could be early here still. JUST IN: Northland raised its Price Target on $NBIS from $77 to $206 and keeps an Outperform rating 🟢 After $NBIS announced on September [--] a $17.4B deal with Microsoft to deliver dedicated capacity from its new data center in New Jersey Northland noted that "simplistically" https://t.co/R7WuSUJNdD JUST IN: Northland raised its Price Target on $NBIS from $77 to $206 and keeps an Outperform rating 🟢 After $NBIS" [X Link](https://x.com/anyuser/status/1970842300851876341) 2025-09-24T13:26Z [----] followers, [----] engagements "@StockSavvyShay I feel like $GOOGL are working on nearly everything At this point an investment in them is like a future tech ETF" [X Link](https://x.com/anyuser/status/1971595663432618395) 2025-09-26T15:20Z [----] followers, [---] 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 $80 I think theres potential for over 100% gains with minimal downside)" [X Link](https://x.com/anyuser/status/1972258558835343839) 2025-09-28T11:14Z [----] followers, 13.4K engagements "Some quick math on why $FOUR is an asymmetric bet right now Management are guiding for $1B FCF in [----]. At todays multiple thats $187/share Thats 150% upside in [--] years or a 33% 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 10% CAGR to [----] AND the multiple also drops to 10xFCF You get a share price of $64 - just 16% downside. 150% upside if they meet guidance and continue growing like they have 16% downside if they miss. Thats an asymmetric bet to me" [X Link](https://x.com/anyuser/status/1973810842421326132) 2025-10-02T18:02Z [----] followers, [----] 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](https://x.com/anyuser/status/1974518203272339587) 2025-10-04T16:53Z [----] followers, 12.4K engagements "Added to $ROOT and $FOUR again today. Valuations on these two seem good while a lot of the market looks expensive" [X Link](https://x.com/anyuser/status/1975239834563203368) 2025-10-06T16:40Z [----] followers, [----] 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](https://x.com/anyuser/status/1975469198597103971) 2025-10-07T07:52Z [----] followers, [----] 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 100% behind the product (but slowly coming around)" [X Link](https://x.com/anyuser/status/1975628546665009253) 2025-10-07T18:25Z [----] followers, [----] 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](https://x.com/anyuser/status/1975660638291865837) 2025-10-07T20:32Z [----] followers, [----] engagements "Ok Ive done it Opened a small $PYPL position at $75 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 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" [X Link](https://x.com/anyuser/status/1975890903400349940) 2025-10-08T11:47Z [----] followers, [----] engagements "I used $PYPL branded checkout again last night. I said Id try again after the experience below so here we are At checkout I selected PayPal option which once again opened a browser window to log in. I think this is arguably the worst part I hate logging into stuff I want to be lazy and I forget passwords - if Im logged into the app already cant I do my payment through there Anyway though once I put my credentials in I was asked to verify in app. Again no notification HOWEVER I realised this was actually my mistake since I had notifications disabled. I have re-enabled them now as long as I" [X Link](https://x.com/anyuser/status/1976329090173943835) 2025-10-09T16:49Z [----] followers, [----] engagements "Its nice to see $NBIS resume its usual service of going up 5% a day after a brief intermission" [X Link](https://x.com/anyuser/status/1976367295388885280) 2025-10-09T19:20Z [----] followers, [----] 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 $12 but not sure if itll get there again especially after Q3 earnings" [X Link](https://x.com/anyuser/status/1976721411235627297) 2025-10-10T18:48Z [----] followers, [----] engagements "Stocks Ill be watching next week if the market continues to dip $DLO - will add again at $13 and probably DCA everyday under that $ROOT - I really want a big add under $80 $PYPL - under $70 Ill start adding heavily $OSCR - under $16 $FOUR - under $75" [X Link](https://x.com/anyuser/status/1976745839004639456) 2025-10-10T20:25Z [----] followers, [----] engagements "I was down as much as 8% yesterday It was driven largely by $DLO as my top position with an almost 15% 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](https://x.com/anyuser/status/1976940706964160928) 2025-10-11T09:19Z [----] followers, [----] engagements "These are the stocks and key prices I will be watching for next week if the market continues to dip: $DLO DCA $13 add heavily $12 $PYPL add $70 $FOUR DCA $77 $ROOT add heavily $80 DCA up to $85 $PGY add $25 $ZETA add $17 See why below👇" [X Link](https://x.com/anyuser/status/1977022875832914258) 2025-10-11T14:45Z [----] followers, [----] engagements "$DLO - Fair value around mid/high $20s - Growing 30%+ YoY AND profitable - Proven leadership - Massive TAM tailwinds - $13 its priced like a mid-tier business despite years of 20%+ CAGR potential" [X Link](https://x.com/anyuser/status/1977022877699297686) 2025-10-11T14:46Z [----] followers, 10.3K engagements "@jbulltard1 Say what you want about Shkreli but you cant deny hes entertaining" [X Link](https://x.com/anyuser/status/1977087422992466188) 2025-10-11T19:02Z [----] followers, [----] 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](https://x.com/anyuser/status/1977505899397693805) 2025-10-12T22:45Z [----] followers, [----] 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](https://x.com/anyuser/status/1977806410806341820) 2025-10-13T18:39Z [----] followers, [----] engagements "Great to see for $DLO but still way under mid/high $20s where I think it should be now. I expect theyll increase this again after Q3 earnings Goldman Sachs upgrades $DLO from Neutral to Buy and raises its Price Target from $12 to $19 🟢 "We have greater confidence it can deliver 20%+ EBITDA growth in the mid-term. We expect solid TPV growth through [----] driven by: 1) Continued geographic expansion; 2) Increased share https://t.co/VzjtPoAa3I Goldman Sachs upgrades $DLO from Neutral to Buy and raises its Price Target from $12 to $19 🟢 "We have greater confidence it can deliver 20%+ EBITDA" [X Link](https://x.com/anyuser/status/1978033422544031910) 2025-10-14T09:41Z [----] followers, [----] engagements "$PYPL is green and $NBIS is red I cant believe what Im seeing" [X Link](https://x.com/anyuser/status/1978153067452191115) 2025-10-14T17:36Z [----] followers, [----] engagements "$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](https://x.com/anyuser/status/1978218543633047680) 2025-10-14T21:57Z [----] followers, 19.3K 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](https://x.com/anyuser/status/1978218559365906502) 2025-10-14T21:57Z [----] followers, [----] engagements "I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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 👇 $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 👇🧵 https://t.co/jS4iV2l5qn $ROOT is profitable and growing 20%+ YoY but priced like a" [X Link](https://x.com/anyuser/status/1978514454070313002) 2025-10-15T17:32Z [----] followers, 15.8K engagements "I took advantage of this dip and increased my $ROOT position by a third. I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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 I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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" [X Link](https://x.com/anyuser/status/1978563888384790873) 2025-10-15T20:49Z [----] followers, [----] 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 41% YoY. Hyundai USA H1 vehicles sold was up 10% YoY. Thats lots more vehicles being sold offering $ROOT. 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 GROWTH DRIVERS The next leg of growth for $ROOT isnt about chasing volume" [X Link](https://x.com/anyuser/status/1978878910428315855) 2025-10-16T17:41Z [----] followers, [----] 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](https://x.com/anyuser/status/1978887821634007229) 2025-10-16T18:16Z [----] followers, [----] engagements "Tonight Ive been thinking about where some of the businesses I own could be in 20+ years One that stands out is $DLO Emerging markets could become massive economic engines with growing populations rising GDPs and digital payments going from niche to mainstream. Billions of people coming online with rising incomes and digital rails replacing cash $DLO could ride that wave processing trillions & operating at a scale similar to Visa or Mastercard today I cant think of many companies better positioned for the future" [X Link](https://x.com/anyuser/status/1979322290933293223) 2025-10-17T23:03Z [----] followers, [----] engagements "Is it just my algorithm or are there a lot less posts about $NBIS lately Im really looking forward to Q3 results So much has happened in just a few months" [X Link](https://x.com/anyuser/status/1979508025770512657) 2025-10-18T11:21Z [----] followers, [----] engagements "$ROOT could make you rich Heres why its one of the most asymmetric opportunities in the market👇 The grid below shows share prices & CAGRs in [--] years assuming : - Revenue growth of 10%-30% CAGR - Net margin of 4%-12% - PE of [--] For reference: - $ROOT grew net earned premiums 63% YoY in Q2 and had a net margin of 6% - $PGR grew 15% CAGR over [--] years with 12% net margin - $ALL grew 10% CAGR with 8% net margin As $ROOT scales its expense ratio should fall so margins likely expand. Out of [--] scenarios: - Only [--] loses money - [--] exceed 20% annual returns including the base case - The average" [X Link](https://x.com/anyuser/status/1979527537802744284) 2025-10-18T12:38Z [----] followers, [----] engagements "I like to consider several scenarios like below is to account for the inherent uncertainty in growing companies. For $ROOT margins and growth are hard to predict. By considering a range of scenarios you can see what is priced in and how stocks might perform across them $ROOT could make you rich Heres why its one of the most asymmetric opportunities in the market👇 The grid below shows share prices & CAGRs in [--] years assuming : - Revenue growth of 10%-30% CAGR - Net margin of 4%-12% - PE of [--] For reference: - $ROOT grew net earned https://t.co/JJ1llrhlN4 $ROOT could make you rich Heres why" [X Link](https://x.com/anyuser/status/1979634219199742279) 2025-10-18T19:42Z [----] followers, [----] engagements "@HinataMotivates I mean will have have much of a different life with a $4B vs $100B+ stake Probably not but hes locked in his money and can live the rest of his life doing whatever he wants" [X Link](https://x.com/anyuser/status/1979890744107450837) 2025-10-19T12:41Z [----] followers, [----] engagements "Yesterday I shared a table showing potential 5-year prices for $ROOT at different revenue growth and margin levels assuming a constant P/E But realistically P/E wont stay constant The new table below varies P/E from [--] to [--] to reflect re-rating as profitability and growth change. The takeaway Theres more downside if execution stalls but the upside is enormous if $ROOT maintains growth and expands margins. Even at base assumptions (20% growth 8% margin [--] P/E) we have nearly a 4x and higher multiples could easily be justified as $ROOT moves closer to $PGR & $ALL. $ROOT could make you rich" [X Link](https://x.com/anyuser/status/1979945566533460476) 2025-10-19T16:19Z [----] followers, [----] engagements "Brilliant post on some of the cost behind AI cloud providers like $NBIS And an excellent example of why $NBIS is more than just data centres $NBIS just released a whitepaper on "The Economics of AI Clusters." 🧐 This paper is a clear breakdown of what actually drives the cost structure of foundation model training and how $NBIS' vertically integrated AI cloud architecture is designed to make that process https://t.co/JUF46UQMtY $NBIS just released a whitepaper on "The Economics of AI Clusters." 🧐 This paper is a clear breakdown of what actually drives the cost structure of foundation model" [X Link](https://x.com/anyuser/status/1980701896957632563) 2025-10-21T18:25Z [----] followers, 11.2K engagements "Everyone is talking about $NBIS Its down 23% in the last week after a monster run But whats it actually worth Find out below 👇 🧵" [X Link](https://x.com/anyuser/status/1981094638124748958) 2025-10-22T20:25Z [----] followers, [----] engagements "This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great for $EVO coverage in general if youre interested). I was already on the fence but I think this is the killer blow for my position unfortunately. I will wait until near market close to solidify my decision but I think I will sell all of my $EVO today about 4% of my portfolio. I still think there is potential but it is increasingly becoming a turnaround story rather than a steady compounder and I am not interested in that. I also want to increase my cash position so I will do so with the" [X Link](https://x.com/anyuser/status/1981302726190420321) 2025-10-23T10:12Z [----] followers, 18.3K engagements "I have sold my full $EVO position. I think downside is limited here but so is upside. If you want a dividend a chance at a turnaround and are happy with possibly no growth it might suit you but it doesnt work for me. This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great for $EVO coverage in general if youre interested). I was already on the fence but I think this is the killer blow for my position unfortunately. I will wait until near This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great" [X Link](https://x.com/anyuser/status/1981406332725965254) 2025-10-23T17:04Z [----] followers, [----] engagements "Freed up lots of cash today and really debating buying more $NBIS at these prices In hindsight $95 was a great buy yesterday" [X Link](https://x.com/anyuser/status/1981454557117886839) 2025-10-23T20:15Z [----] followers, [----] engagements "@TheRayMyers Probably $NBIS or $OSCR If ACA subsidies get extended and earnings are good I think $OSCR could even do it this year but there could be some downside to $12ish if it goes the other way" [X Link](https://x.com/anyuser/status/1982904539184541844) 2025-10-27T20:17Z [----] followers, 16.6K engagements "Just think guys This time tomorrow $PYPL will be over $100 and years of pain will be over" [X Link](https://x.com/anyuser/status/1982923092029780048) 2025-10-27T21:31Z [----] followers, 21K engagements "Theres too much joy around $PYPL right now This cant continue this stock only knows pain Earnings are going to smash it back down into the $60s arent they" [X Link](https://x.com/anyuser/status/1983126105382154465) 2025-10-28T10:58Z [----] followers, [----] engagements "$FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the meantime my thoughts are below 👇 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 $80 I think theres potential for over 100% gains with minimal downside) https://t.co/O4y5AtodD6 Ive been looking into $FOUR over the past few weeks and started a position recently. Heres a thread on: - What they do -" [X Link](https://x.com/anyuser/status/1983240954988413056) 2025-10-28T18:34Z [----] followers, [----] engagements "My $ZETA position is smaller than I would like and $18 is looking like a great add Will rush through some research this evening and try to make a decision Any good content you know of please share" [X Link](https://x.com/anyuser/status/1983242401507323934) 2025-10-28T18:40Z [----] followers, [----] engagements "$FOUR is looking really cheap right now To get a fair value of $75 I need: 9% CAGR over next 10Y - currently 30% so 9% implies a huge slow down Plus 12% FCF margins which theyre around now so no margin expansion as operating expenses improve Could be 100%+ upside $FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the meantime my thoughts are below 👇 $FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the" [X Link](https://x.com/anyuser/status/1983301111487373491) 2025-10-28T22:33Z [----] followers, [----] engagements "My feed is full of $FUBO today is this something I need to check out" [X Link](https://x.com/anyuser/status/1985221482163916948) 2025-11-03T05:44Z [----] followers, [----] engagements "I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇" [X Link](https://x.com/anyuser/status/1985405857345991117) 2025-11-03T17:56Z [----] followers, 13.7K engagements "@KobeissiLetter Wasnt Elon meant to come in and make the government super efficient How have we ended up with this" [X Link](https://x.com/anyuser/status/1985443262178509013) 2025-11-03T20:25Z [----] followers, 11.9K engagements "@mvcinvesting Hmm its ok but not particularly impressed glad I sold out. Love the vision want them to succeed but not sure on the stock" [X Link](https://x.com/anyuser/status/1985456593031291066) 2025-11-03T21:18Z [----] followers, [----] engagements "Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I see around 10% CAGR for the next [--] years Not bad but I believe theres more upside for the same risk elsewhere More thoughts below" [X Link](https://x.com/anyuser/status/1985802226871279744) 2025-11-04T20:11Z [----] followers, [----] engagements "$ZETA Q3 EARNINGS Revenue +26% YoY FCF +83% YoY Rule of [--] hit with FCF margins Raised FY25 guidance and gave bullish FY26 guidance The market is not recognising this yet Its trading at 14x FY26 FCF guidance Ive doubled my position today" [X Link](https://x.com/anyuser/status/1985819708541825532) 2025-11-04T21:21Z [----] followers, [----] engagements "This was one of the things I liked most about $ZETA earnings yesterday. I wasnt expecting the profitably until Q1 [----] Fantastic earnings and fantastic business $ZETA is SO close to net-profitability. GAAP net loss was $3.6m there were $6.5m of acquisition related costs in Q3 absent these costs Zeta would have been GAAP profitable. Chris Greiner $ZETA CFO $ZETA is SO close to net-profitability. GAAP net loss was $3.6m there were $6.5m of acquisition related costs in Q3 absent these costs Zeta would have been GAAP profitable. Chris Greiner $ZETA CFO" [X Link](https://x.com/anyuser/status/1986016346992500951) 2025-11-05T10:22Z [----] followers, [----] engagements "$LMND EARNINGS ARE OUT IFP up 30% YoY - 8th straight quarter ✅ Net loss decreased by 45% ✅ Loss ratio of 62% (down 11%) ✅ Strong performance in auto & guidance raise across the board ✅ Still not net profitable & some dilution but overall a great quarter by 1st impression" [X Link](https://x.com/anyuser/status/1986026098652594341) 2025-11-05T11:01Z [----] followers, [----] engagements "I sold my full $ASML position last night and used a lot of the cash to buy $ZETA after earnings In my opinion a MUCH better opportunity and so far seems like a very good decision $ZETA up 15% today Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I see around 10% CAGR for the next [--] years Not bad but I believe theres more upside for the same risk elsewhere More thoughts below https://t.co/lmllP5Musu Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I" [X Link](https://x.com/anyuser/status/1986123726446821606) 2025-11-05T17:29Z [----] followers, [----] engagements "@earnings_guy What the hell are those EPS Crazy beat" [X Link](https://x.com/anyuser/status/1986178634932011393) 2025-11-05T21:07Z [----] followers, [----] engagements "$ROOT Q3 EARNINGS Revenue +27% YoY ✅ Net income -$5.4M 🟡 due to $17M warrant expense with Carvana & expected Gross loss ratio 59% - Fantastic best in class ✅✅ Partnership channel doubled YoY ✅ Strong surplus still ✅ Flagged near term investments in marketing could affect profits in short term but unlock long term operating leverage - again this was expected 🟡 Overall a good quarter on first impressions ✅" [X Link](https://x.com/anyuser/status/1986181426048291249) 2025-11-05T21:18Z [----] followers, 16K engagements "$ROOT down 13% since earnings Im pretty shocked how the market is taking this There are some weaker areas after looking deeper: - High SBC - Slower growth in some areas - Increased spending But in my opinion these dont justify the current price I still see a strong buy $ROOT Q3 EARNINGS Revenue +27% YoY ✅ Net income -$5.4M 🟡 due to $17M warrant expense with Carvana & expected Gross loss ratio 59% - Fantastic best in class ✅✅ Partnership channel doubled YoY ✅ Strong surplus still ✅ Flagged near term investments in marketing could https://t.co/HFYNnoVSYM $ROOT Q3 EARNINGS Revenue +27% YoY ✅" [X Link](https://x.com/anyuser/status/1986370816510959948) 2025-11-06T09:51Z [----] followers, [----] engagements "$FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later but first impressions are great I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇 https://t.co/G2MsYIoZLd I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇" [X Link](https://x.com/anyuser/status/1986410667289555407) 2025-11-06T12:29Z [----] followers, [----] engagements "I spent last night reading $FOUR earnings and my conviction is higher than ever How this can be under $70 I do not understand To get to fair value alone I see 3x upside never mind any growth on top $FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later but first impressions are great https://t.co/QmAkx9sjLS $FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later" [X Link](https://x.com/anyuser/status/1986718849589465535) 2025-11-07T08:54Z [----] followers, [----] engagements "DCF My base case DCF gives a fair value of $230 Thats 3x upside My SEVERE BEAR case gives a price of $69 - still above todays This would require: - 9% CAGR growth for 10Y (they just did 61%) - Adj. FCF margins to fall to 24% (they are currently 28%) Ridiculously undervalued ✅" [X Link](https://x.com/anyuser/status/1986870984868298831) 2025-11-07T18:58Z [----] followers, [----] engagements "@Mr_Derivatives $DLO long term fundamentals hold for me but never seen anyone chart it" [X Link](https://x.com/anyuser/status/1987211962200064494) 2025-11-08T17:33Z [----] followers, [----] engagements "$FOUR statistics from Yahoo Finance Forward P/E of [-----] PEG of [----] It isnt just me that thinks this is undervalued I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇 https://t.co/RtcqERqhsZ I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇" [X Link](https://x.com/anyuser/status/1987246077062287388) 2025-11-08T19:49Z [----] followers, 10.5K engagements "1000 followers Thank you everyone Im really enjoying posting on here I have finally hit [---] followers Thanks everyone I appreciate you following https://t.co/ovMxXDPu11 I have finally hit [---] followers Thanks everyone I appreciate you following https://t.co/ovMxXDPu11" [X Link](https://x.com/anyuser/status/1987484693437030596) 2025-11-09T11:37Z [----] followers, 12.1K engagements "$PGY earnings pre-market today Up 8% overnight $PGY is my next position to report Its a smaller one and somewhat risky but has lots of potential if they continue to execute I have not written much about it and its not widely covered but there are a few notes below At $25 I think its a good buy for a small position $PGY is my next position to report Its a smaller one and somewhat risky but has lots of potential if they continue to execute I have not written much about it and its not widely covered but there are a few notes below At $25 I think its a good buy for a small position" [X Link](https://x.com/anyuser/status/1987787157746942158) 2025-11-10T07:39Z [----] followers, [----] engagements "$PYPL plus has just launched in the UK with their new debit card and now seems to be one of the best cashback offers available for daily spending Weary Centurion does a great job of talking through the app below but I want to dive into the numbers a bit more. With the debit card Paypal+ gives you [--] points per [--] spent. [----] points can be redeemed as [--] or basically 1% cashback - outside of special sign up offers I think this matches any top cashback cards in the UK. Chase do a 1% cashback debit card but capped at 15/month - this $PYPL one is not capped. But it gets better since PayPal+ has" [X Link](https://x.com/anyuser/status/1987817695543222649) 2025-11-10T09:40Z [----] followers, 21.3K engagements "$PGY Q3 RESULTS Revenue up 22% YoY ✅ Adj. net income up 47% YoY ✅ FCF positive for 3rd consecutive quarter ✅ Guidance: FY25 revenue growth 2025% with full-year Adjusted EBITDA margin expected in the low-teens range Overall a good quarter - risks still present but strong execution and moving in the correct direction Shares up 20% pre-market $PGY earnings pre-market today Up 8% overnight $PGY earnings pre-market today Up 8% overnight" [X Link](https://x.com/anyuser/status/1987866074767896692) 2025-11-10T12:52Z [----] followers, [----] engagements "I signed up to the new $PYPL debit card this morning - its been a very good easy experience Sign up is in app where my details where already saved In about a minute Id done the whole process and had a card I could use in Apple Pay and physical card being posted First it pays using your $PYPL balance but if thats too low it uses a backup card that you choose when signing up. Ive only used it with the backup card and its been seamless to pay with so far. Its linked straight to PayPal+ where I can see the pending transactions and I presume points will be added as soon as that goes through" [X Link](https://x.com/anyuser/status/1987887891041648728) 2025-11-10T14:19Z [----] followers, [----] engagements "Anyone who bought $ROOT around $70 last week must be laughing right now" [X Link](https://x.com/anyuser/status/1987905218911347030) 2025-11-10T15:28Z [----] followers, [----] engagements "Lets apply this to $FOUR Trailing P/E = [----] ✅ Forward P/E (26) [--] ✅ Debt/Equity [---] ❌ EPS growth 30% ✅✅ PEG ratio [----] ✅✅ Market cap $5.9B ✅ Debt is a common concern and decreasing but otherwise $FOUR looks like it could be Peter Lynch approved How Peter Lynch select stocks: https://t.co/Erxtp1oZRQ How Peter Lynch select stocks: https://t.co/Erxtp1oZRQ" [X Link](https://x.com/anyuser/status/1987937847379116211) 2025-11-10T17:38Z [----] followers, [----] engagements "$NBIS Q3 RESULTS Revenue $146M up 355% YoY ✅ Adj. EBITDA -$5.2M 89% improvement YoY ✅ NEW $3B WITH $META ✅ Expected $7B-$9B ARR by end of [----] - HUGE NUMBERS ✅✅✅ HUGE raise in guided power ✅✅✅ If execution succeeds $NBIS is a bargain right now" [X Link](https://x.com/anyuser/status/1988218160760361222) 2025-11-11T12:12Z [----] followers, 14.5K engagements "$DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ - Increased diversification ✅ - Reiterated guidance Margins down slightly due to regional mix especially pressure in Argentina" [X Link](https://x.com/anyuser/status/1988718155233935618) 2025-11-12T21:18Z [----] followers, [----] engagements "If you dont already have a $DLO position it is a bargain right now in the $13s $DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ - Increased diversification ✅ - Reiterated guidance https://t.co/zlScpJ6liG $DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ -" [X Link](https://x.com/anyuser/status/1988719448526619063) 2025-11-12T21:23Z [----] followers, [----] engagements "Pedro Arnt & $DLO are great 50%+ growth for four quarters in a row now The market is punishing it for quarterly noise $DLO has suddenly become one of the best opportunities in the market again If you havent already I really recommend checking them out $DLO TPV reached a record high of over $10B up 60% YoY and the fourth consecutive quarter with more than 50% YoY TPV growth. Good job Pedro https://t.co/37z8OjJkJg $DLO TPV reached a record high of over $10B up 60% YoY and the fourth consecutive quarter with more than 50% YoY TPV growth. Good job Pedro https://t.co/37z8OjJkJg" [X Link](https://x.com/anyuser/status/1988889063684727260) 2025-11-13T08:37Z [----] followers, [----] engagements "Some absurd prices this morning: - $NBIS in the $80s - $PGY in the $24s - $DLO in the $13s - $OSCR in the $14s If I had cash and no positions already I think Id be buying all four" [X Link](https://x.com/anyuser/status/1988982235962519753) 2025-11-13T14:48Z [----] followers, 18.6K engagements "Seeing $FOUR stay green on a day like today makes me very bullish I dont think it can go much lower but I think it can go MUCH much higher" [X Link](https://x.com/anyuser/status/1989024538244374629) 2025-11-13T17:36Z [----] followers, [----] engagements "I see lots of people mention $ZETA SBC as a concern While it was an issue they have decreased it SIGNIFICANTLY A great move financially and a great example of a business listening to investor concerns" [X Link](https://x.com/anyuser/status/1989107925114318994) 2025-11-13T23:07Z [----] followers, [----] engagements "One of the reasons I love $DLO Look at their TAM below $2.1T today and the tailwinds they have Theres so much room to grow for years" [X Link](https://x.com/anyuser/status/1989251978942361648) 2025-11-14T08:40Z [----] followers, [----] engagements "My new $PYPL debit card is here Sign up was easy in app and you can spend instantly PayPal+ points take a few days to arrive but my first ones from Monday are here now Anyone else got one yet I think it came out on Monday and I ordered straight away so must be one of the 1st $PYPL plus has just launched in the UK with their new debit card and now seems to be one of the best cashback offers available for daily spending Weary Centurion does a great job of talking through the app below but I want to dive into the numbers a bit more. With the debit https://t.co/TLWlUhFdgj $PYPL plus has just" [X Link](https://x.com/anyuser/status/1989413076026925155) 2025-11-14T19:20Z [----] followers, [----] engagements "The stand-out business of this earnings season has been $ZETA I have had a small position since $14 but these earnings made me more than double it Heres why: - Beating and raising guidance again - High growth AND expanding margins - Great balance sheet & management - High recurring revenue - Lots of growth runway & potential - Rule of [--] ✅ - Great value & asymmetric opportunity If you havent already checked it out Id really recommend at least having a look" [X Link](https://x.com/anyuser/status/1989630581991186773) 2025-11-15T09:44Z [----] followers, [----] engagements "Just had my $FOUR thesis featured on the Yahoo Finance ticker page In it I cover: - What $FOUR does - Why I think the market is mispricing it - Growth drivers risks & valuation - Why I see 35x upside over [--] years If youre interested in $FOUR please give it a read and let me know your thoughts 👇 🔗 https://finance.yahoo.com/community/post/dad15d1a-3405-49a2-a504-68bcbcc4dca8/ https://finance.yahoo.com/community/post/dad15d1a-3405-49a2-a504-68bcbcc4dca8/" [X Link](https://x.com/anyuser/status/1990050026010063339) 2025-11-16T13:31Z [----] followers, 12K engagements "As well as my $FOUR thesis on Yahoo Finance (linked below) Ive also published a much more in-depth deep dive on Substack I go into far more detail especially on the valuation debt capital allocation and why I think the market is massively mispricing $FOUR Honestly I think its one of the best things Ive written Please check it out and let me know what you think - its completely free👇 https://open.substack.com/pub/jminvestments/p/shift4-payments-four-the-most-asymmetricr=6n6rwq&utm_medium=ios Just had my $FOUR thesis featured on the Yahoo Finance ticker page In it I cover: - What $FOUR does -" [X Link](https://x.com/anyuser/status/1990124822026764528) 2025-11-16T18:28Z [----] followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@JM_Investment0 JM Investments
JM Investments posts on X about $four, $root, $zeta, growth the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
- [--] Week [------] -2.90%
- [--] Month [-------] +13%
- [--] Months [---------] +4,850%
- [--] Year [---------] +2,278%
Mentions: [--] #
- [--] Week [--] -11%
- [--] Month [---] -23%
- [--] Months [-----] +1,620%
- [--] Year [-----] +157,500%
Followers: [-----] #
- [--] Week [-----] +2.50%
- [--] Month [-----] +18%
- [--] Months [-----] +1,480%
CreatorRank: [-------] #
Social Influence
Social category influence stocks 77.84% cryptocurrencies #4696 finance 34.73% technology brands 16.77% countries 4.19% automotive brands 1.2% social networks 0.6% financial services 0.6% celebrities 0.6%
Social topic influence $four #28, $root #38, $zeta #27, growth 14.97%, in the 14.97%, $dlo #13, $nbis #437, $pypl 10.18%, stocks 8.38%, $oscr #135
Top accounts mentioned or mentioned by @fundbreakdown @letushead @sergeant991 @fundasyinvestor @mvcinvesting @retiredlifenc @bjmtweets @longonestocks @montana29615 @heinzyketchupy @thestockbro @investincintel @axnaxx18 @paulcerro @haddadjac79558 @longbitconnect @jaymbk14 @kobeissiletter @colby17201470 @rileye645
Top assets mentioned 4 (FOUR) The Root Network (ROOT) ZetaChain (ZETA) DLocal Limited (DLO) Nebius Group N.V. Class A Ordinary Shares (NBIS) PayPal Holdings Inc (PYPL) Oscar Health, Inc. (OSCR) Molina Healthcare, Inc. (MOH) UiPath, Inc. (PATH) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Centene Corp (CNC) Shift4 Payments, Inc. (FOUR) UnitedHealth Group (UNH) Rocket Lab USA, Inc. Common Stock (RKLB) Progressive Corp (PGR) Global Payments Inc (GPN) Cigna Corp (CI) Alphabet Inc Class A (GOOGL) Elevance Health Inc (ELV) Hims & Hers Health, Inc. (HIMS) Lemonade, Inc. (LMND) Evotec SE (EVO) Rubrik, Inc. (RBRK) Mastercard, Inc. (MA)
Top Social Posts
Top posts by engagements in the last [--] hours
"I started a new position in $TE recently and its very different to my usual ones They are a US solar panel manufacturer with potential AI tailwinds but LOTS of execution risk. They are an alternative to Chinese manufacturers and stand to benefit from several US subsidies. AI applications are demanding more power than currently available and $TE could be an avenue to support that. However revenue is very low currently theyre loss making and they need to raise a lot of cash. They have had a huge run up in the last month but also dropped a fair bit in the last few days after announcing dilution"
X Link 2025-12-12T15:24Z [----] followers, [----] engagements
"Shift4 Payments $FOUR Chairman and former CEO Jared Isaacman has now been sworn in as NASA Administrator. As part of this Isaacman must reduce his voting rights in $FOUR to avoid conflicts of interest. Isaacman is the largest shareholder of $FOUR and holds 75% of voting rights with around 25% of shares outstanding. Currently the majority of his shares are Class B super-voting shares worth 10x the vote of Class A but the same economic value. To reduce his voting rights his Class B shares are essentially going to be converted to Class A. Crucially this means NO dilution or selling. Class B"
X Link 2025-12-20T14:32Z [----] followers, [----] engagements
"1. Global Payments $GPN is a payments processor trading at a rock bottom valuation but generating enormous amounts of cash. Management are guiding for $5B FCF in [----] on a market cap of $20B"
X Link 2025-12-21T20:33Z [----] followers, [---] engagements
"6. Shift4 Payments $FOUR are like the better version of $GPN to me - smaller fast growing & better diversified at a similar price Management are expecting $1B adj. FCF in [----] on a $6B market cap and are buying back $1B of shares. Growth is consistently 30%+ while FCF margins are around 20% and should improve as they scale. If they are successful with their goals the upside is huge. https://twitter.com/i/web/status/2002839869140132082 https://twitter.com/i/web/status/2002839869140132082"
X Link 2025-12-21T20:33Z [----] followers, [---] engagements
"Anyone still own $OSCR It was the hot stock in summer every other post about them now nothing. I think theres huge potential for them in 2026"
X Link 2025-12-27T10:04Z [----] followers, [----] engagements
"Im very bullish about managed care this year They plummeted last year mostly on elevated costs and low margins But the markets growing theyre already repricing & the trends are starting to reverse Heres a few names I like right now: [--]. $UNH [--]. $MOH [--]. $CNC [--]. $OSCR Ill post a thread about why soon https://twitter.com/i/web/status/2009030859110731938 https://twitter.com/i/web/status/2009030859110731938"
X Link 2026-01-07T22:34Z [----] followers, [----] engagements
"Positions Im adding to right now & why: [--]. $ZETA Great business & STILL cheap. Fundamentals & technicals look good. [--]. $PATH My position is too small. Theres loads of potential & less downside. Could be industry changing if things go well. [--]. $MOH Best risk/reward in managed care - one of my key themes this year. The turnaround is starting & they have momentum. https://twitter.com/i/web/status/2009938721877938390 https://twitter.com/i/web/status/2009938721877938390"
X Link 2026-01-10T10:41Z [----] followers, 29.8K engagements
"This is great news for $NBIS Last I read they own a 28% stake in Clickhouse That stake has gone from $1.8B to $4.2B in about [--] months and I think it could be worth much more in another [--]. 🚨 JUST IN: ClickHouse has raised $400M at a $15B valuation up from $6.35B in May [----]. VERY bullish for $NBIS. - ARR now at several hundred million dollars - Not yet ready to go public management wants to improve several things first - Over half of revenue comes from https://t.co/t4BQIEiTVA 🚨 JUST IN: ClickHouse has raised $400M at a $15B valuation up from $6.35B in May [----]. VERY bullish for $NBIS. - ARR"
X Link 2026-01-16T20:27Z [----] followers, [----] engagements
"I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding and interested in lots of other stocks too As an example my $DLO deep dive is nearly finished and will be out this weekend"
X Link 2026-01-17T09:54Z [----] followers, [----] engagements
"My first draft of my $DLO deep dive is done and Im just doing the final run-through Its ended up much longer than Id planned - I try to be concise But its also probably the best thing Ive written yet I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding and interested in lots of other stocks too As an example my $DLO deep dive is nearly finished and will be out this weekend https://t.co/bxkkhoS2ta I feel like Ive been talking about $PATH & $ZETA a lot lately because thats mainly what Ive been buying But Im still holding"
X Link 2026-01-17T14:47Z [----] followers, [----] engagements
"Ive never bought options before but its getting tempting to buy some $FOUR LEAPs here $100 strike price for Jan [----] looks good I cant see how they dont print without something disastrous Although maybe people said the same about $PYPL two years ago"
X Link 2026-01-25T22:32Z [----] followers, [----] engagements
"@RetiredLifeNC Exactly My average price for $CNC is $25 $MOH especially Id be happy to add more"
X Link 2026-01-27T22:17Z [----] followers, [---] engagements
"I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://open.substack.com/pub/jminvestments/p/root-insurance-root-deep-dive-one https://open.substack.com/pub/jminvestments/p/root-insurance-root-deep-dive-one"
X Link 2026-01-28T18:22Z [----] followers, [---] engagements
"@bjmtweets Thats interesting whats it called Im scratching my head looking for what Im missing with $ROOT seems almost too obvious"
X Link 2026-01-28T20:57Z [----] followers, [---] engagements
"With all the managed care drama I didnt even notice $FOUR is now flirting with sub $60 and at 1Y lows At this price its really hard to be bearish I made the thread below when it was about $63 and now its even cheaper If Q4 results are good it could be unbelievable I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇 https://t.co/RtcqERqhsZ I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing"
X Link 2026-01-28T22:39Z [----] followers, [----] engagements
"Theres a few stocks starting to look really good today Some Im watching: - $FOUR - $ZETA - $ROOT - $PATH - $RBRK Im not sure how this dip will progress so I will wait for some sign of bottoming first though even if it means missing a few %"
X Link 2026-01-29T17:53Z [----] followers, [----] engagements
"Update on the $ZETA & $PATH charts: $ZETA seems to be holding around $19.50 on the 100D MA mentioned below & the 21W MA is there too ✅ If it holds here tomorrow Ill probably add $PATH has blown through support and is on its last chance really 🚩 All thats left is the 50W MA $13.10 It needs to close above it tomorrow or things arent looking great short term in my opinion Another big $ZETA & $PATH dip today but once again Im not adding YET First both need to hold on the key support levels below like they did last time $ZETA [--] & [---] day MA $19.60 $PATH [--] week MA $14 or [---] day $13.45 Its"
X Link 2026-01-29T21:24Z [----] followers, 18.7K engagements
"Great insight into what we could expect from $FOUR Restaurant cross border and travel & entertainment payments all up Earnings are 20th Feb and Im expecting good results $FOUR - Today was the catalyst day for the stock to bounce given the strong numbers posted by $MA today followed by Visa and AE. All [--] reports suggests surge in spending that matters the most for Shift4. Q4 is the first Qtr where GB Numbers will full flow in FOUR numbers. https://t.co/fZd73BPXH1 $FOUR - Today was the catalyst day for the stock to bounce given the strong numbers posted by $MA today followed by Visa and AE. All"
X Link 2026-01-30T07:29Z [----] followers, [---] engagements
"Bankruptcy is unlikely. They are pretty well covered against catastrophes with their reinsurance set up and surplus plus theyre generally GAAP profitable so not burning cash. A catastrophe might slow growth but its very unlikely they can go bankrupt. If interested I talked about their reinsurance and more in my deep dive below I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://t.co/DQeeZlAyLf https://t.co/8A3Rkz4K3O I wrote about $ROOT much more at the link below and will be writing a Q4 update soon https://t.co/DQeeZlAyLf https://t.co/8A3Rkz4K3O"
X Link 2026-01-30T19:42Z [----] followers, [--] engagements
"Im in an airport & buying clothes I would otherwise deem too expensive in hope that its processed by $FOUR and flows back to me as a shareholder Thats logical right"
X Link 2026-01-31T08:40Z [----] followers, [----] engagements
"Continuing these updates on $ZETA & $PATH after a very red week Both have fallen below the moving averages below now $ZETA has a few more left & next is the 100W at $18.50 where it seemed to hold last week. After that next is the 200D at $17.40 If we close and hold on any of these Ill be adding $PATH on the other hand has blown through everything and is in free fall Fundamentally it looks good but technically its pretty bad I wont add here until theres a clear bottoming and turnaround despite good fundamentals & it could go lower Update on the $ZETA & $PATH charts: $ZETA seems to be holding"
X Link 2026-02-02T00:39Z [----] followers, 13.2K engagements
"$PLTR score of [---] is ridiculous but this chart highlights a few other interesting scores too $PGY with 63% $ZETA with 44% And Ive never even heard of $PTC $PLTR This slide says it all. Period. https://t.co/pch5AjRkrf $PLTR This slide says it all. Period. https://t.co/pch5AjRkrf"
X Link 2026-02-03T00:30Z [----] followers, [----] engagements
"$MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH reported bad results & terrible guidance MCR very high I have sold both completely. Theyll be a turnaround eventually Im sure but I dont want to hold through whatever happens until then. $CI just reported earnings the third big insurer this quarter EPS beat & revenue met consensus 🟢 But MCR was high at 88% 🔴 Guidance was below expectations and setting up [----] as a reset year 🟠 The pharmacy & services business shielded them from the worst of it. https://t.co/uPzVyLfHb7 $CI just"
X Link 2026-02-05T21:55Z [----] followers, [----] engagements
"RT @JM_Investment0: For the last [--] weeks Ive been saying Id wait to buy $PATH & $ZETA If you followed this youd have avoided a drawdow"
X Link 2026-02-06T10:32Z [----] followers, [--] engagements
"@Gubloinvestor @TheRonnieVShow $CNC & $MOH earnings"
X Link 2026-02-06T11:24Z [----] followers, [---] engagements
"Ive seen a few people ask what happened to $OSCR after hours $MOH & $CNC is why it dropped Its a slightly different business to them but their earnings didnt make me particularly bullish about $OSCR $MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH reported bad results & terrible guidance MCR very high I have sold both completely. Theyll be a turnaround eventually Im sure but I dont want to hold https://t.co/W4Y3AzW5Iq $MOH and $CNC just reported $MOH down over 30% $CNC down over 10% $CNC had a double beat but weak guidance $MOH"
X Link 2026-02-06T11:34Z [----] followers, [---] engagements
"Replying to you both here Ill never get it exactly right of course but I basically want to see a few days where the price is fairly stable or rising ideally coupled with some sort of technical support level. Right now both are in no-mans land technically and everyday theyre dropping several percent. Once that momentum slows Ill start to add. This will mean Ill miss the exact bottom but I think it makes me less likely to catch the falling knife and protects me from downside. Id rather miss a few % upside than badly time a buy and lose several %. If I went on fundamentals only Id be happy"
X Link 2026-02-06T14:59Z [----] followers, [--] engagements
"@FundBreakdown Sure but on the other hand why are $MOH retreating and what can $OSCR do that $MOH have not been able to"
X Link 2026-02-06T18:08Z [----] followers, [---] engagements
"@letushead @Sergeant991 I first bought $PATH in the $15s after Q3 earnings last time it was in the $13s I wasnt sure about it to be honest I hadnt done any research"
X Link 2026-02-06T19:19Z [----] followers, [---] engagements
"@FundasyInvestor @FundBreakdown Theres definitely some merit to that but I dont think theyll be immune to the difficulties $MOH have Im saying that as an $OSCR shareholder"
X Link 2026-02-07T01:39Z [----] followers, [---] engagements
"Oh no I didnt predict theyd drop like they have or Id have sold - I have a big position in $ZETA especially which is down over 20% from highs - but this drop didnt happen in one day it happened over several. After day [--] or [--] both these stocks looked like good opportunities fundamentally however they never managed to hold their support which indicated to me that they might keep going lower and you see that in each post. To be totally fair this can go the other way too and Ive sold stocks when theyve lost support only for them to bounce out of nowhere so its not foolproof but I think can help"
X Link 2026-02-07T01:43Z [----] followers, [---] engagements
"@LongOneStocks Yeah $FOUR is a good example with me too actually. I agree but ultimately I think I can improve my timing so that what Im trying to do"
X Link 2026-02-07T01:45Z [----] followers, [---] engagements
"Im at about 20% cash right now My plan is to make a list of stocks I want to buy this weekend And if the market holds on Monday Ill start to DCA Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering"
X Link 2026-02-07T21:53Z [----] followers, [----] engagements
"After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and why: 1) $ZETA Great fundamentals & very cheap here. Im expecting great earnings. Last week it fell under its 50WMA but managed to close strong just above at $17. If we can hold here on Monday Ill be starting to DCA. https://twitter.com/i/web/status/2020624961161793732 https://twitter.com/i/web/status/2020624961161793732"
X Link 2026-02-08T22:25Z [----] followers, [----] engagements
"2) $TE This is a business Im really excited about. They have potential to fill a huge spot in a really hot sector and have had tonnes of momentum recently. Fundamentally theyre a bit speculative but Im ok with that. Technically theyve held their 21DMA really well recently and reclaimed it on Friday. Plus the drawdown earlier in the week was the perfect reset for them. If they can hold around $8.10 on Monday Ill be buying more. If not Ill be looking at support on the 50DMA around $7. Given the speculative nature here I be using a stop loss and keeping the position smaller to limit my downside"
X Link 2026-02-08T22:25Z [----] followers, [---] engagements
"3) $RKLB Another arguably more speculative stock but one with fantastic momentum in a hot sector. They have huge potential hence the premium price and I see this pullback as a good chance to get onboard. They reclaimed the 50DMA $71 on Friday and Ill be buying if they hold it. This is another stock where Ill use a stop loss and smaller position but again Im happy to hold long term. https://twitter.com/i/web/status/2020624986877116606 https://twitter.com/i/web/status/2020624986877116606"
X Link 2026-02-08T22:25Z [----] followers, [---] engagements
"@montana29615 Both really. $ZETA more long term. I already have a big position & Im unlikely to sell unless something goes really wrong. $TE and $RKLB Ill sell if the trend turns but Im also happy to hold long term as great potential growth stories"
X Link 2026-02-08T22:34Z [----] followers, [---] engagements
"It sounds like youre going to be paying it all off eventually so maybe makes sense for you and Id agree with this advice for a regular loan but this needs some big caveats. Student loans dont act like regular ones. Most people will simply pay 9% of their income over the threshold and not pay it off. In that case aggressively paying it down is basically throwing money into a void. https://twitter.com/i/web/status/2020842114456666161 https://twitter.com/i/web/status/2020842114456666161"
X Link 2026-02-09T12:48Z [----] followers, [---] engagements
"I ended up adding to all three of these today and will probably do so each day of the week Im taking it steady for now in case of another dip Ive already got enough of it takes off $ZETA $TE $RKLB After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and why: 1) $ZETA Great fundamentals & very cheap here. Im expecting great earnings. Last week it fell under its 50WMA but managed to close strong just above at https://t.co/7kMIIoOT9H After last week there are a lot of stocks Im interested in Here are [--] Ill be watching what Im watching for and"
X Link 2026-02-10T01:25Z [----] followers, [----] engagements
"@DG_Invests Yeah exactly. They have tonnes of potential but its not an easy sector and sentiment there is not great right now for good reason"
X Link 2026-02-10T12:15Z [----] followers, [--] engagements
"Totally agree. I frequently search for things now with Reddit in the search bar and skip any other sites - if their internal search was better I probably wouldnt even use $GOOGL. Ive never looked at it before as an investment but I cant see it going anywhere and it definitely has a moat other sites dont. Maybe the biggest difficulty will be shedding the edgy Reddit mod sort of persona associated with users by some people to allow mass adoption like other social networks. https://twitter.com/i/web/status/2021205999130996975 https://twitter.com/i/web/status/2021205999130996975"
X Link 2026-02-10T12:53Z [----] followers, [---] engagements
"According to WSJ the Trump Administration is proposing flat Medicare rates next year After hours $UNH is down 8%+ $MOH & $CNC are both down 4%+ This isnt the first time WSJ have ran a headline thats had this affect on $UNH $UNH who report earnings tomorrow pre-market To me this seems targeted at best and suspicious at worst. The Trump administration is proposing roughly flat rates for Medicare insurers next year an update that falls well short of Wall Street expectations - WSJ $UNH stock is currently down by 8% in after-hours on this news https://t.co/KN0SvINZPj The Trump administration is"
X Link 2026-01-26T21:49Z [----] followers, [----] engagements
"$ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what $ROOT would be worth at the same ratio Theres nearly always 2x upside I keep forgetting that $ROOT is only a $1B market cap I think theres a huge amount of potential Their underwriting margins are already up there with the best They just need to grow and gain some operating leverage and theres very easily lots of upside https://t.co/ATdOA2yEQx I keep forgetting that $ROOT is only a $1B market cap"
X Link 2026-01-28T18:18Z [----] followers, 14.6K engagements
"$ROOT looks terrible technically & I dont want to catch a falling knife But I cant stop coming back to the fundamentals here It is ABSURDLY cheap My bear case models look great the bullish ones absurd & even if Carvana disappeared completely it still looks cheap $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what $ROOT would be worth at the same ratio Theres nearly always 2x upside $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP"
X Link 2026-01-30T15:56Z [----] followers, [----] engagements
"$FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in buybacks & are on track for $1B adj. FCF run rate by end of [----] If things go well this will probably be the best buy Ive ever made With all the managed care drama I didnt even notice $FOUR is now flirting with sub $60 and at 1Y lows At this price its really hard to be bearish I made the thread below when it was about $63 and now its even cheaper If Q4 results are"
X Link 2026-02-03T14:57Z [----] followers, [----] engagements
"@jakebrowatzke Just said the same $FOUR doesnt deserve to be at this price $FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in buybacks & are on track for $1B adj. FCF https://t.co/TPHPtIievQ $FOUR is around $55 right now I dont want to chase a falling knife & $PYPL has just shown us that cheap can get cheaper but come on This isnt a stock turning around its growing 30%+ YoY Market cap is $5B theyve authorised $1B in"
X Link 2026-02-03T16:37Z [----] followers, [---] engagements
"Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in $PATH -5% $PGY -9% And honestly fundamentally Id very happily buy all five right now Ive got a big cash position and Im going to be buying soon"
X Link 2026-02-03T18:40Z [----] followers, [----] engagements
"Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering"
X Link 2026-02-06T15:16Z [----] followers, [----] engagements
"@FundasyInvestor I agree with you good take. $FOUR is probably my favourite stock right now too"
X Link 2026-02-07T01:47Z [----] followers, [---] engagements
"@F_Compounders $FOUR is by far my favourite that comes to mind. Its maybe not buying shares every year it depends how it can use its money but this year its buying back 10-20% of the company"
X Link 2026-02-09T19:08Z [----] followers, [---] engagements
"Im seeing lots of people really impressed by $OSCR guidance and the market seems to be too. Just keep in mind that its only guidance & they didnt quite hit their [----] guidance either. The other key thing - all that revenue is only good if they can make money from it. MLR must decrease substantially and that will be difficult. It will be even harder to decrease MLR AND grow revenue like theyre guiding. I own them & other health insurers theyre definitely cheap and there could be huge upside if they hit this guidance but I dont think its the absolute no-brainer it might appear. $OSCR Q4 & FY25"
X Link 2026-02-10T19:00Z [----] followers, [----] engagements
"@Spike_1567 Yeah exactly $MOH showed us what to expect really"
X Link 2026-02-10T19:04Z [----] followers, [---] engagements
"@HeinzYKetchupY I could see people thinking AI could one day recreate $ZETA platform but they have so much data that AI cant recreate. If anything I think AI helps $ZETA"
X Link 2026-02-11T23:26Z [----] followers, [---] engagements
"@TheStockBro Yeah thats the main thing that could immediately destroy them in my opinion"
X Link 2026-02-12T01:18Z [----] followers, [--] engagements
"Thoughts on Managed Care after the last few days $UNH $ELV $CNC $MOH $OSCR While overall I am bullish on this sector long-term I am starting to think the thesis will take longer to play out than I expected I had expected some return to growth in [----] but I think this could be more likely in [----]. We have had three key bits of information recently: - [----] Medicare rates are likely to be flat or low at best - $UNH yesterday showed that Medicare is still struggling - $ELV today has shown Medicaid margins are shrinking These together confirm things are still not great for managed care at the"
X Link 2026-01-28T12:56Z [----] followers, [----] engagements
"$CI just reported earnings the third big insurer this quarter EPS beat & revenue met consensus 🟢 But MCR was high at 88% 🔴 Guidance was below expectations and setting up [----] as a reset year 🟠 The pharmacy & services business shielded them from the worst of it. Crucially MCR was driven up by ACA plans This plus what $ELV told us about Medicaid margins makes me a little bearish about $CNC & $MOH tomorrow https://twitter.com/i/web/status/2019389056539320444 https://twitter.com/i/web/status/2019389056539320444"
X Link 2026-02-05T12:34Z [----] followers, [----] engagements
"$ROOT is at $800M market cap now For me this is getting into no-brainer back up the truck territory We are at about 0.6x P/S They had a one off cost last quarter which gave them a net loss after several quarters of profit Maybe thats why the market is ignoring them but if theyre profitable this quarter like I expect they will be they could rerate HARD Even my bear cases give good returns now $ROOT is now: - Under $1B market cap & 0.7x P/S - Already GAAP profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what"
X Link 2026-02-05T20:11Z [----] followers, [----] engagements
"For the last [--] weeks Ive been saying Id wait to buy $PATH & $ZETA If you followed this youd have avoided a drawdown of: 32% l in $ZETA 24% in $PATH Unfortunately things still look bad & Im still not buying despite a huge detachment from the fundamentals Both stocks are now in free fall & Im not buying until they show signs of a bottom I might lose some upside but if I rushed in when I thought the value was good Id be down double digits in both. Continuing these updates on $ZETA & $PATH after a very red week Both have fallen below the moving averages below now $ZETA has a few more left & next"
X Link 2026-02-06T01:35Z [----] followers, [----] engagements
"$PGY just released Q4 earnings Big swing to net profitability 🟢 Slight miss on revenue likely due to a tighter lending in Q4 🟠 [----] guidance: 8% to 21% revenue growth 23% to 85% net income growth Stock is down 15% pre-market 🔴 In my opinion its a good quarter theyve prioritised profitability over growth at all costs and shown they can generate cash flow. Growth is slightly lower than Id have hoped but not terrible. https://twitter.com/i/web/status/2020841258638291109 https://twitter.com/i/web/status/2020841258638291109"
X Link 2026-02-09T12:44Z [----] followers, [----] engagements
"$OSCR Q4 & FY25 earnings Revenue growth was ok up 17% YoY 🟠 Big miss on bottom line lost $352.6M vs $153.5M last year 🔴 MLR spiked to 95% causing the loss & medical costs ate nearly all premiums 🔴 SG&A ratio decreased from 19.5% to 18.2% 🟢 But nowhere close to offsetting that MLR increase [----] guidance is for: 60% revenue growth $250-450M operating income 83% MLR and 16% SG&A This would probably give them a small net profit if successful but I think its a big ask 🟠 The stock is up 5% pre-market now but also dropped 10% before that so expect some volatility. Overall I think its a pretty"
X Link 2026-02-10T11:53Z [----] followers, [----] engagements
"BREAKING: $NBIS to acquire agentic search platform Tavily No purchase price has been disclosed and expected to close in the next few weeks"
X Link 2026-02-10T14:34Z [----] followers, [---] engagements
"Im surprising myself saying this but $HIMS is looking interesting here Even without any GLP-1 revenue it looks cheap Even with very little growth And sentiment is terrible The main negatives would be a big FDA fine and I dont really see a moat"
X Link 2026-02-11T11:17Z [----] followers, [----] engagements
"@Investinc_Intel Seems to have bounced instead. I dont know whether to be happy or sad Im not buying it in the $13s"
X Link 2026-02-11T19:24Z [----] followers, [---] engagements
"@axnaxx18 @paulcerro Yeah I really dont see a moat to be honest. Why cant Amazon just do what $HIMS did but better"
X Link 2026-02-11T23:27Z [----] followers, [---] engagements
"@haddad_jac79558 Wow big reduction Jack why now and why so much Do you plan to scale back in if we go lower"
X Link 2026-02-12T15:11Z [----] followers, [---] engagements
"@haddad_jac79558 Makes sense Ive sold off a few positions so Im heavily in cash but not $ZETA of course I would have though if I knew itd get this bad"
X Link 2026-02-12T15:41Z [----] followers, [---] engagements
"$ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50% of my portfolio and get on with my life"
X Link 2026-02-11T17:36Z [----] followers, 17.3K engagements
"Initial thoughts on $NBIS earnings are that it looks great Big beat on ARR and active power 🟢 Big increase to their already lofty guidance 🟢 Adj. EBITDA margins improving 🟢 Depreciation costs are extremely high & all expenses increased but thats part of the business right now. At the moment theres been no new deals announced which maybe the market wont like but I dont think that breaks the thesis it would just be icing on the cake. They are continuing to execute as good as you could want. I think there are legitimate concerns around the valuation being high and the current lack of"
X Link 2026-02-12T12:32Z [----] followers, [----] engagements
"@SixSigmaCapital Ive been looking at $RDDT a lot recently nice to see a how cooked am I post to strengthen my conviction 😂"
X Link 2026-02-12T17:09Z [----] followers, [---] engagements
"With the many stocks down double-digits now its tempting to wade in and buy But what if they keep dipping Being patient and waiting for at least a slight bottom can pay off big time I recently posted about how I try to do this - check it out below https://open.substack.com/pub/jminvestments/p/using-technical-analysis-how-i-try https://open.substack.com/pub/jminvestments/p/using-technical-analysis-how-i-try"
X Link 2026-02-13T12:44Z [----] followers, [---] engagements
"Similar to last week weve got another Friday bounce but be careful adding here It could just be shorts covering before another red week Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering Market is green today but Im being careful with any buys until I see how Monday plays out Volume is generally low & I think the move is mostly shorts covering"
X Link 2026-02-13T16:23Z [----] followers, [---] engagements
"Lets talk about dLocal $DLO my largest and highest conviction holding. I wont focus on what they do - lots of people talk about that here. Instead Im going to talk about why I have so much conviction & why I think its good value (still). Sorry its long 🧵"
X Link 2025-08-26T01:40Z [----] followers, 11.4K engagements
"@mvcinvesting Wow $MSFT making deals with $NBIS and $IREN demand must be huge"
X Link 2025-11-03T11:19Z [----] followers, [----] engagements
"I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇"
X Link 2025-11-07T18:58Z [----] followers, 56.1K engagements
"$DLO goes under the radar on X But it might be one of the easiest ways to beat the market over the next few years Ive spent weeks writing a deep dive its my best work yet & now its out Check it out below to see why $DLO is my largest position https://open.substack.com/pub/jminvestments/p/dlocal-dlo-deep-dive https://open.substack.com/pub/jminvestments/p/dlocal-dlo-deep-dive"
X Link 2026-01-17T19:58Z [----] followers, [----] engagements
"Today is almost as bad as yesterday wow $DLO -3% $ZETA -6% $ROOT -4% $NBIS -12% $LMND -15% $PGY -5% $OSCR -5% Ill be buying lots eventually but for now its lots of pain & holding on Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in $PATH -5% $PGY -9% And honestly fundamentally Id very happily buy all five right now Ive got a big cash position and Im going to be buying soon https://t.co/S1eJ5oHeXs Today has been brutal for my portfolio Some of my biggest positions $DLO -5% $FOUR -10% $ZETA -9% Also smaller positions in"
X Link 2026-02-04T17:42Z [----] followers, [----] engagements
"@longbitconnect My point is I worry that the price increase will make it hard for them to hit revenue targets"
X Link 2026-02-11T19:26Z [----] followers, [--] engagements
"@Investinc_Intel Yeah Im not in a rush to buy right now but I already have a big $ZETA position anyway"
X Link 2026-02-11T20:27Z [----] followers, [---] engagements
"We are going to hit that 200WMA arent we $ZETA at $14.70 and still going This could look like the opportunity of the century in a year $ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50% of my portfolio and get on with my life https://t.co/CBRDiCcbFF $ZETA is kind of in no-mans land now technically The only support left is 200WMA at $13.60 Fundamentally of course its great I wish it would just flush down now so I can buy at the bottom make it 50%"
X Link 2026-02-12T17:13Z [----] followers, [----] engagements
"@jaymbk14 Im waiting a while first to buy more"
X Link 2026-02-12T20:10Z [----] followers, [--] engagements
"@KobeissiLetter @grok what are the most held stocks by residents of the Netherlands Maybe I just short all these and beat the market this year"
X Link 2026-02-13T22:30Z [----] followers, [---] engagements
"Companies Im planning to look into: $DUOL $FOUR $ROOT If anyone has any good info on here theyd like to share to get me started Id be grateful"
X Link 2025-09-04T01:02Z [----] followers, [----] engagements
"My thoughts on the $NBIS CEO selling Initially it does seem bearish especially such a large amount does he need $247M But on the other hand this is a man who has effectively had his lifes work business and millions of dollars rug pulled from him when Russia invaded Ukraine. Now hes got another chance it doesnt seem a bad idea to put some money aside. With $247M him and his family are set for generations. Also consider that the economy is looking weaker and locking in some profit seems a good idea. From what Ive read he was pretty much all in on $NBIS and even after this sale he still owns a"
X Link 2025-09-07T01:23Z [----] followers, [----] engagements
"@InvestingVisual Probably something that will change whole industries or lead a future revolution. The thing is $NVDA [--] years ago was selling gaming chips no one had thought of GPUs AI or data centers probably even Jensen Huang himself"
X Link 2025-09-17T19:56Z [----] followers, [----] engagements
"Every day there seems to be a new partnership or development for $DLO love the speed theyre working. Super bullish. And on another note every time there is an update @mvcinvesting seems to post it seemingly within seconds definitely worth a follow. Another day another win for $DLO. $DLO integrates Capitec Pay to expand realtime open banking payments in South Africa. 👀 Capitec has over 24M active clients including 13M app users the largest digital payments audience in the country. Developed by Capitec Bank Capitec https://t.co/USYZafHrI8 Another day another win for $DLO. $DLO integrates"
X Link 2025-09-18T10:52Z [----] followers, 10.2K engagements
"@Sandeman52 Mom how did we get so rich Your dad full ported $NBIS in your account when you were [--] years old"
X Link 2025-09-22T15:44Z [----] followers, [----] engagements
"Another $NBIS PT upgrade. If I remember right this was the only analyst covering them with a price under the current one now its almost double. I think we could be early here still. JUST IN: Northland raised its Price Target on $NBIS from $77 to $206 and keeps an Outperform rating 🟢 After $NBIS announced on September [--] a $17.4B deal with Microsoft to deliver dedicated capacity from its new data center in New Jersey Northland noted that "simplistically" https://t.co/R7WuSUJNdD JUST IN: Northland raised its Price Target on $NBIS from $77 to $206 and keeps an Outperform rating 🟢 After $NBIS"
X Link 2025-09-24T13:26Z [----] followers, [----] engagements
"@StockSavvyShay I feel like $GOOGL are working on nearly everything At this point an investment in them is like a future tech ETF"
X Link 2025-09-26T15:20Z [----] followers, [---] 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 $80 I think theres potential for over 100% gains with minimal downside)"
X Link 2025-09-28T11:14Z [----] followers, 13.4K engagements
"Some quick math on why $FOUR is an asymmetric bet right now Management are guiding for $1B FCF in [----]. At todays multiple thats $187/share Thats 150% upside in [--] years or a 33% 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 10% CAGR to [----] AND the multiple also drops to 10xFCF You get a share price of $64 - just 16% downside. 150% upside if they meet guidance and continue growing like they have 16% downside if they miss. Thats an asymmetric bet to me"
X Link 2025-10-02T18:02Z [----] followers, [----] 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 2025-10-04T16:53Z [----] followers, 12.4K engagements
"Added to $ROOT and $FOUR again today. Valuations on these two seem good while a lot of the market looks expensive"
X Link 2025-10-06T16:40Z [----] followers, [----] 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 2025-10-07T07:52Z [----] followers, [----] 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 100% behind the product (but slowly coming around)"
X Link 2025-10-07T18:25Z [----] followers, [----] 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 2025-10-07T20:32Z [----] followers, [----] engagements
"Ok Ive done it Opened a small $PYPL position at $75 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 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"
X Link 2025-10-08T11:47Z [----] followers, [----] engagements
"I used $PYPL branded checkout again last night. I said Id try again after the experience below so here we are At checkout I selected PayPal option which once again opened a browser window to log in. I think this is arguably the worst part I hate logging into stuff I want to be lazy and I forget passwords - if Im logged into the app already cant I do my payment through there Anyway though once I put my credentials in I was asked to verify in app. Again no notification HOWEVER I realised this was actually my mistake since I had notifications disabled. I have re-enabled them now as long as I"
X Link 2025-10-09T16:49Z [----] followers, [----] engagements
"Its nice to see $NBIS resume its usual service of going up 5% a day after a brief intermission"
X Link 2025-10-09T19:20Z [----] followers, [----] 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 $12 but not sure if itll get there again especially after Q3 earnings"
X Link 2025-10-10T18:48Z [----] followers, [----] engagements
"Stocks Ill be watching next week if the market continues to dip $DLO - will add again at $13 and probably DCA everyday under that $ROOT - I really want a big add under $80 $PYPL - under $70 Ill start adding heavily $OSCR - under $16 $FOUR - under $75"
X Link 2025-10-10T20:25Z [----] followers, [----] engagements
"I was down as much as 8% yesterday It was driven largely by $DLO as my top position with an almost 15% 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 2025-10-11T09:19Z [----] followers, [----] engagements
"These are the stocks and key prices I will be watching for next week if the market continues to dip: $DLO DCA $13 add heavily $12 $PYPL add $70 $FOUR DCA $77 $ROOT add heavily $80 DCA up to $85 $PGY add $25 $ZETA add $17 See why below👇"
X Link 2025-10-11T14:45Z [----] followers, [----] engagements
"$DLO - Fair value around mid/high $20s - Growing 30%+ YoY AND profitable - Proven leadership - Massive TAM tailwinds - $13 its priced like a mid-tier business despite years of 20%+ CAGR potential"
X Link 2025-10-11T14:46Z [----] followers, 10.3K engagements
"@jbulltard1 Say what you want about Shkreli but you cant deny hes entertaining"
X Link 2025-10-11T19:02Z [----] followers, [----] 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 2025-10-12T22:45Z [----] followers, [----] 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 2025-10-13T18:39Z [----] followers, [----] engagements
"Great to see for $DLO but still way under mid/high $20s where I think it should be now. I expect theyll increase this again after Q3 earnings Goldman Sachs upgrades $DLO from Neutral to Buy and raises its Price Target from $12 to $19 🟢 "We have greater confidence it can deliver 20%+ EBITDA growth in the mid-term. We expect solid TPV growth through [----] driven by: 1) Continued geographic expansion; 2) Increased share https://t.co/VzjtPoAa3I Goldman Sachs upgrades $DLO from Neutral to Buy and raises its Price Target from $12 to $19 🟢 "We have greater confidence it can deliver 20%+ EBITDA"
X Link 2025-10-14T09:41Z [----] followers, [----] engagements
"$PYPL is green and $NBIS is red I cant believe what Im seeing"
X Link 2025-10-14T17:36Z [----] followers, [----] engagements
"$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 2025-10-14T21:57Z [----] followers, 19.3K 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 2025-10-14T21:57Z [----] followers, [----] engagements
"I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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 👇 $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 👇🧵 https://t.co/jS4iV2l5qn $ROOT is profitable and growing 20%+ YoY but priced like a"
X Link 2025-10-15T17:32Z [----] followers, 15.8K engagements
"I took advantage of this dip and increased my $ROOT position by a third. I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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 I believe $ROOT is around $80 right now & I believe one of the best buy opportunities youll get Its down 7% 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"
X Link 2025-10-15T20:49Z [----] followers, [----] 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 41% YoY. Hyundai USA H1 vehicles sold was up 10% YoY. Thats lots more vehicles being sold offering $ROOT. 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 GROWTH DRIVERS The next leg of growth for $ROOT isnt about chasing volume"
X Link 2025-10-16T17:41Z [----] followers, [----] 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 2025-10-16T18:16Z [----] followers, [----] engagements
"Tonight Ive been thinking about where some of the businesses I own could be in 20+ years One that stands out is $DLO Emerging markets could become massive economic engines with growing populations rising GDPs and digital payments going from niche to mainstream. Billions of people coming online with rising incomes and digital rails replacing cash $DLO could ride that wave processing trillions & operating at a scale similar to Visa or Mastercard today I cant think of many companies better positioned for the future"
X Link 2025-10-17T23:03Z [----] followers, [----] engagements
"Is it just my algorithm or are there a lot less posts about $NBIS lately Im really looking forward to Q3 results So much has happened in just a few months"
X Link 2025-10-18T11:21Z [----] followers, [----] engagements
"$ROOT could make you rich Heres why its one of the most asymmetric opportunities in the market👇 The grid below shows share prices & CAGRs in [--] years assuming : - Revenue growth of 10%-30% CAGR - Net margin of 4%-12% - PE of [--] For reference: - $ROOT grew net earned premiums 63% YoY in Q2 and had a net margin of 6% - $PGR grew 15% CAGR over [--] years with 12% net margin - $ALL grew 10% CAGR with 8% net margin As $ROOT scales its expense ratio should fall so margins likely expand. Out of [--] scenarios: - Only [--] loses money - [--] exceed 20% annual returns including the base case - The average"
X Link 2025-10-18T12:38Z [----] followers, [----] engagements
"I like to consider several scenarios like below is to account for the inherent uncertainty in growing companies. For $ROOT margins and growth are hard to predict. By considering a range of scenarios you can see what is priced in and how stocks might perform across them $ROOT could make you rich Heres why its one of the most asymmetric opportunities in the market👇 The grid below shows share prices & CAGRs in [--] years assuming : - Revenue growth of 10%-30% CAGR - Net margin of 4%-12% - PE of [--] For reference: - $ROOT grew net earned https://t.co/JJ1llrhlN4 $ROOT could make you rich Heres why"
X Link 2025-10-18T19:42Z [----] followers, [----] engagements
"@HinataMotivates I mean will have have much of a different life with a $4B vs $100B+ stake Probably not but hes locked in his money and can live the rest of his life doing whatever he wants"
X Link 2025-10-19T12:41Z [----] followers, [----] engagements
"Yesterday I shared a table showing potential 5-year prices for $ROOT at different revenue growth and margin levels assuming a constant P/E But realistically P/E wont stay constant The new table below varies P/E from [--] to [--] to reflect re-rating as profitability and growth change. The takeaway Theres more downside if execution stalls but the upside is enormous if $ROOT maintains growth and expands margins. Even at base assumptions (20% growth 8% margin [--] P/E) we have nearly a 4x and higher multiples could easily be justified as $ROOT moves closer to $PGR & $ALL. $ROOT could make you rich"
X Link 2025-10-19T16:19Z [----] followers, [----] engagements
"Brilliant post on some of the cost behind AI cloud providers like $NBIS And an excellent example of why $NBIS is more than just data centres $NBIS just released a whitepaper on "The Economics of AI Clusters." 🧐 This paper is a clear breakdown of what actually drives the cost structure of foundation model training and how $NBIS' vertically integrated AI cloud architecture is designed to make that process https://t.co/JUF46UQMtY $NBIS just released a whitepaper on "The Economics of AI Clusters." 🧐 This paper is a clear breakdown of what actually drives the cost structure of foundation model"
X Link 2025-10-21T18:25Z [----] followers, 11.2K engagements
"Everyone is talking about $NBIS Its down 23% in the last week after a monster run But whats it actually worth Find out below 👇 🧵"
X Link 2025-10-22T20:25Z [----] followers, [----] engagements
"This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great for $EVO coverage in general if youre interested). I was already on the fence but I think this is the killer blow for my position unfortunately. I will wait until near market close to solidify my decision but I think I will sell all of my $EVO today about 4% of my portfolio. I still think there is potential but it is increasingly becoming a turnaround story rather than a steady compounder and I am not interested in that. I also want to increase my cash position so I will do so with the"
X Link 2025-10-23T10:12Z [----] followers, 18.3K engagements
"I have sold my full $EVO position. I think downside is limited here but so is upside. If you want a dividend a chance at a turnaround and are happy with possibly no growth it might suit you but it doesnt work for me. This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great for $EVO coverage in general if youre interested). I was already on the fence but I think this is the killer blow for my position unfortunately. I will wait until near This coverage of the $EVO earnings is much better than I would write so I will just quote it (Ali is great"
X Link 2025-10-23T17:04Z [----] followers, [----] engagements
"Freed up lots of cash today and really debating buying more $NBIS at these prices In hindsight $95 was a great buy yesterday"
X Link 2025-10-23T20:15Z [----] followers, [----] engagements
"@TheRayMyers Probably $NBIS or $OSCR If ACA subsidies get extended and earnings are good I think $OSCR could even do it this year but there could be some downside to $12ish if it goes the other way"
X Link 2025-10-27T20:17Z [----] followers, 16.6K engagements
"Just think guys This time tomorrow $PYPL will be over $100 and years of pain will be over"
X Link 2025-10-27T21:31Z [----] followers, 21K engagements
"Theres too much joy around $PYPL right now This cant continue this stock only knows pain Earnings are going to smash it back down into the $60s arent they"
X Link 2025-10-28T10:58Z [----] followers, [----] engagements
"$FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the meantime my thoughts are below 👇 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 $80 I think theres potential for over 100% gains with minimal downside) https://t.co/O4y5AtodD6 Ive been looking into $FOUR over the past few weeks and started a position recently. Heres a thread on: - What they do -"
X Link 2025-10-28T18:34Z [----] followers, [----] engagements
"My $ZETA position is smaller than I would like and $18 is looking like a great add Will rush through some research this evening and try to make a decision Any good content you know of please share"
X Link 2025-10-28T18:40Z [----] followers, [----] engagements
"$FOUR is looking really cheap right now To get a fair value of $75 I need: 9% CAGR over next 10Y - currently 30% so 9% implies a huge slow down Plus 12% FCF margins which theyre around now so no margin expansion as operating expenses improve Could be 100%+ upside $FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the meantime my thoughts are below 👇 $FOUR under $75 is calling me I think its one of the best opportunities out there right now Ill be posting a more detailed valuation soon but in the"
X Link 2025-10-28T22:33Z [----] followers, [----] engagements
"My feed is full of $FUBO today is this something I need to check out"
X Link 2025-11-03T05:44Z [----] followers, [----] engagements
"I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇"
X Link 2025-11-03T17:56Z [----] followers, 13.7K engagements
"@KobeissiLetter Wasnt Elon meant to come in and make the government super efficient How have we ended up with this"
X Link 2025-11-03T20:25Z [----] followers, 11.9K engagements
"@mvcinvesting Hmm its ok but not particularly impressed glad I sold out. Love the vision want them to succeed but not sure on the stock"
X Link 2025-11-03T21:18Z [----] followers, [----] engagements
"Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I see around 10% CAGR for the next [--] years Not bad but I believe theres more upside for the same risk elsewhere More thoughts below"
X Link 2025-11-04T20:11Z [----] followers, [----] engagements
"$ZETA Q3 EARNINGS Revenue +26% YoY FCF +83% YoY Rule of [--] hit with FCF margins Raised FY25 guidance and gave bullish FY26 guidance The market is not recognising this yet Its trading at 14x FY26 FCF guidance Ive doubled my position today"
X Link 2025-11-04T21:21Z [----] followers, [----] engagements
"This was one of the things I liked most about $ZETA earnings yesterday. I wasnt expecting the profitably until Q1 [----] Fantastic earnings and fantastic business $ZETA is SO close to net-profitability. GAAP net loss was $3.6m there were $6.5m of acquisition related costs in Q3 absent these costs Zeta would have been GAAP profitable. Chris Greiner $ZETA CFO $ZETA is SO close to net-profitability. GAAP net loss was $3.6m there were $6.5m of acquisition related costs in Q3 absent these costs Zeta would have been GAAP profitable. Chris Greiner $ZETA CFO"
X Link 2025-11-05T10:22Z [----] followers, [----] engagements
"$LMND EARNINGS ARE OUT IFP up 30% YoY - 8th straight quarter ✅ Net loss decreased by 45% ✅ Loss ratio of 62% (down 11%) ✅ Strong performance in auto & guidance raise across the board ✅ Still not net profitable & some dilution but overall a great quarter by 1st impression"
X Link 2025-11-05T11:01Z [----] followers, [----] engagements
"I sold my full $ASML position last night and used a lot of the cash to buy $ZETA after earnings In my opinion a MUCH better opportunity and so far seems like a very good decision $ZETA up 15% today Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I see around 10% CAGR for the next [--] years Not bad but I believe theres more upside for the same risk elsewhere More thoughts below https://t.co/lmllP5Musu Im selling my $ASML position. Its one of the best businesses in the world but even they need to be priced right At $900+ I"
X Link 2025-11-05T17:29Z [----] followers, [----] engagements
"@earnings_guy What the hell are those EPS Crazy beat"
X Link 2025-11-05T21:07Z [----] followers, [----] engagements
"$ROOT Q3 EARNINGS Revenue +27% YoY ✅ Net income -$5.4M 🟡 due to $17M warrant expense with Carvana & expected Gross loss ratio 59% - Fantastic best in class ✅✅ Partnership channel doubled YoY ✅ Strong surplus still ✅ Flagged near term investments in marketing could affect profits in short term but unlock long term operating leverage - again this was expected 🟡 Overall a good quarter on first impressions ✅"
X Link 2025-11-05T21:18Z [----] followers, 16K engagements
"$ROOT down 13% since earnings Im pretty shocked how the market is taking this There are some weaker areas after looking deeper: - High SBC - Slower growth in some areas - Increased spending But in my opinion these dont justify the current price I still see a strong buy $ROOT Q3 EARNINGS Revenue +27% YoY ✅ Net income -$5.4M 🟡 due to $17M warrant expense with Carvana & expected Gross loss ratio 59% - Fantastic best in class ✅✅ Partnership channel doubled YoY ✅ Strong surplus still ✅ Flagged near term investments in marketing could https://t.co/HFYNnoVSYM $ROOT Q3 EARNINGS Revenue +27% YoY ✅"
X Link 2025-11-06T09:51Z [----] followers, [----] engagements
"$FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later but first impressions are great I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇 https://t.co/G2MsYIoZLd I think $FOUR is one of the most overlooked opportunities in the market today. Huge upside. Real compounder potential. Limited downside. Here are the numbers that make me so bullish 👇"
X Link 2025-11-06T12:29Z [----] followers, [----] engagements
"I spent last night reading $FOUR earnings and my conviction is higher than ever How this can be under $70 I do not understand To get to fair value alone I see 3x upside never mind any growth on top $FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later but first impressions are great https://t.co/QmAkx9sjLS $FOUR just reported Q3 earnings Headline results: - Revenue +61% YoY - Adj. EBITDA +56% YoY - $1B buyback plan announced (with a $7B market cap) Will do a deeper dive later"
X Link 2025-11-07T08:54Z [----] followers, [----] engagements
"DCF My base case DCF gives a fair value of $230 Thats 3x upside My SEVERE BEAR case gives a price of $69 - still above todays This would require: - 9% CAGR growth for 10Y (they just did 61%) - Adj. FCF margins to fall to 24% (they are currently 28%) Ridiculously undervalued ✅"
X Link 2025-11-07T18:58Z [----] followers, [----] engagements
"@Mr_Derivatives $DLO long term fundamentals hold for me but never seen anyone chart it"
X Link 2025-11-08T17:33Z [----] followers, [----] engagements
"$FOUR statistics from Yahoo Finance Forward P/E of [-----] PEG of [----] It isnt just me that thinks this is undervalued I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇 https://t.co/RtcqERqhsZ I keep banging the drum here but I cannot believe how CHEAP $FOUR is right now Its growing 30%+ YoY with 20%+ FCF margins yet trades like its going bankrupt soon Here are some quick valuations to show how cheap it is 👇"
X Link 2025-11-08T19:49Z [----] followers, 10.5K engagements
"1000 followers Thank you everyone Im really enjoying posting on here I have finally hit [---] followers Thanks everyone I appreciate you following https://t.co/ovMxXDPu11 I have finally hit [---] followers Thanks everyone I appreciate you following https://t.co/ovMxXDPu11"
X Link 2025-11-09T11:37Z [----] followers, 12.1K engagements
"$PGY earnings pre-market today Up 8% overnight $PGY is my next position to report Its a smaller one and somewhat risky but has lots of potential if they continue to execute I have not written much about it and its not widely covered but there are a few notes below At $25 I think its a good buy for a small position $PGY is my next position to report Its a smaller one and somewhat risky but has lots of potential if they continue to execute I have not written much about it and its not widely covered but there are a few notes below At $25 I think its a good buy for a small position"
X Link 2025-11-10T07:39Z [----] followers, [----] engagements
"$PYPL plus has just launched in the UK with their new debit card and now seems to be one of the best cashback offers available for daily spending Weary Centurion does a great job of talking through the app below but I want to dive into the numbers a bit more. With the debit card Paypal+ gives you [--] points per [--] spent. [----] points can be redeemed as [--] or basically 1% cashback - outside of special sign up offers I think this matches any top cashback cards in the UK. Chase do a 1% cashback debit card but capped at 15/month - this $PYPL one is not capped. But it gets better since PayPal+ has"
X Link 2025-11-10T09:40Z [----] followers, 21.3K engagements
"$PGY Q3 RESULTS Revenue up 22% YoY ✅ Adj. net income up 47% YoY ✅ FCF positive for 3rd consecutive quarter ✅ Guidance: FY25 revenue growth 2025% with full-year Adjusted EBITDA margin expected in the low-teens range Overall a good quarter - risks still present but strong execution and moving in the correct direction Shares up 20% pre-market $PGY earnings pre-market today Up 8% overnight $PGY earnings pre-market today Up 8% overnight"
X Link 2025-11-10T12:52Z [----] followers, [----] engagements
"I signed up to the new $PYPL debit card this morning - its been a very good easy experience Sign up is in app where my details where already saved In about a minute Id done the whole process and had a card I could use in Apple Pay and physical card being posted First it pays using your $PYPL balance but if thats too low it uses a backup card that you choose when signing up. Ive only used it with the backup card and its been seamless to pay with so far. Its linked straight to PayPal+ where I can see the pending transactions and I presume points will be added as soon as that goes through"
X Link 2025-11-10T14:19Z [----] followers, [----] engagements
"Anyone who bought $ROOT around $70 last week must be laughing right now"
X Link 2025-11-10T15:28Z [----] followers, [----] engagements
"Lets apply this to $FOUR Trailing P/E = [----] ✅ Forward P/E (26) [--] ✅ Debt/Equity [---] ❌ EPS growth 30% ✅✅ PEG ratio [----] ✅✅ Market cap $5.9B ✅ Debt is a common concern and decreasing but otherwise $FOUR looks like it could be Peter Lynch approved How Peter Lynch select stocks: https://t.co/Erxtp1oZRQ How Peter Lynch select stocks: https://t.co/Erxtp1oZRQ"
X Link 2025-11-10T17:38Z [----] followers, [----] engagements
"$NBIS Q3 RESULTS Revenue $146M up 355% YoY ✅ Adj. EBITDA -$5.2M 89% improvement YoY ✅ NEW $3B WITH $META ✅ Expected $7B-$9B ARR by end of [----] - HUGE NUMBERS ✅✅✅ HUGE raise in guided power ✅✅✅ If execution succeeds $NBIS is a bargain right now"
X Link 2025-11-11T12:12Z [----] followers, 14.5K engagements
"$DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ - Increased diversification ✅ - Reiterated guidance Margins down slightly due to regional mix especially pressure in Argentina"
X Link 2025-11-12T21:18Z [----] followers, [----] engagements
"If you dont already have a $DLO position it is a bargain right now in the $13s $DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ - Increased diversification ✅ - Reiterated guidance https://t.co/zlScpJ6liG $DLO Q3 RESULTS - TPV $10.4B (+59% YoY) ✅ - 4th quarter of 50%+ TPV growth ✅ - Revenue $282.5 M (+52% YoY) ✅ - Gross profit $103 M (+32% YoY) - Net income $51.8 M (+93% YoY) - Adj. FCF $37.6 M (+28% YoY) - 136% NRR ✅ -"
X Link 2025-11-12T21:23Z [----] followers, [----] engagements
"Pedro Arnt & $DLO are great 50%+ growth for four quarters in a row now The market is punishing it for quarterly noise $DLO has suddenly become one of the best opportunities in the market again If you havent already I really recommend checking them out $DLO TPV reached a record high of over $10B up 60% YoY and the fourth consecutive quarter with more than 50% YoY TPV growth. Good job Pedro https://t.co/37z8OjJkJg $DLO TPV reached a record high of over $10B up 60% YoY and the fourth consecutive quarter with more than 50% YoY TPV growth. Good job Pedro https://t.co/37z8OjJkJg"
X Link 2025-11-13T08:37Z [----] followers, [----] engagements
"Some absurd prices this morning: - $NBIS in the $80s - $PGY in the $24s - $DLO in the $13s - $OSCR in the $14s If I had cash and no positions already I think Id be buying all four"
X Link 2025-11-13T14:48Z [----] followers, 18.6K engagements
"Seeing $FOUR stay green on a day like today makes me very bullish I dont think it can go much lower but I think it can go MUCH much higher"
X Link 2025-11-13T17:36Z [----] followers, [----] engagements
"I see lots of people mention $ZETA SBC as a concern While it was an issue they have decreased it SIGNIFICANTLY A great move financially and a great example of a business listening to investor concerns"
X Link 2025-11-13T23:07Z [----] followers, [----] engagements
"One of the reasons I love $DLO Look at their TAM below $2.1T today and the tailwinds they have Theres so much room to grow for years"
X Link 2025-11-14T08:40Z [----] followers, [----] engagements
"My new $PYPL debit card is here Sign up was easy in app and you can spend instantly PayPal+ points take a few days to arrive but my first ones from Monday are here now Anyone else got one yet I think it came out on Monday and I ordered straight away so must be one of the 1st $PYPL plus has just launched in the UK with their new debit card and now seems to be one of the best cashback offers available for daily spending Weary Centurion does a great job of talking through the app below but I want to dive into the numbers a bit more. With the debit https://t.co/TLWlUhFdgj $PYPL plus has just"
X Link 2025-11-14T19:20Z [----] followers, [----] engagements
"The stand-out business of this earnings season has been $ZETA I have had a small position since $14 but these earnings made me more than double it Heres why: - Beating and raising guidance again - High growth AND expanding margins - Great balance sheet & management - High recurring revenue - Lots of growth runway & potential - Rule of [--] ✅ - Great value & asymmetric opportunity If you havent already checked it out Id really recommend at least having a look"
X Link 2025-11-15T09:44Z [----] followers, [----] engagements
"Just had my $FOUR thesis featured on the Yahoo Finance ticker page In it I cover: - What $FOUR does - Why I think the market is mispricing it - Growth drivers risks & valuation - Why I see 35x upside over [--] years If youre interested in $FOUR please give it a read and let me know your thoughts 👇 🔗 https://finance.yahoo.com/community/post/dad15d1a-3405-49a2-a504-68bcbcc4dca8/ https://finance.yahoo.com/community/post/dad15d1a-3405-49a2-a504-68bcbcc4dca8/"
X Link 2025-11-16T13:31Z [----] followers, 12K engagements
"As well as my $FOUR thesis on Yahoo Finance (linked below) Ive also published a much more in-depth deep dive on Substack I go into far more detail especially on the valuation debt capital allocation and why I think the market is massively mispricing $FOUR Honestly I think its one of the best things Ive written Please check it out and let me know what you think - its completely free👇 https://open.substack.com/pub/jminvestments/p/shift4-payments-four-the-most-asymmetricr=6n6rwq&utm_medium=ios Just had my $FOUR thesis featured on the Yahoo Finance ticker page In it I cover: - What $FOUR does -"
X Link 2025-11-16T18:28Z [----] followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing