# ![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1772979661300965376.png) @MontanaMatos Montana Matos

Montana Matos posts on X about $lmnd, $path, $duol, ai the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1772979661300965376/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:interactions.svg)

- [--] Week [-------] -43%
- [--] Month [-------] +45%
- [--] Months [---------] +1,176%
- [--] Year [---------] +591,199%

### Mentions: [--] [#](/creator/twitter::1772979661300965376/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:posts_active.svg)

- [--] Week [--] -43%
- [--] Month [---] +22%
- [--] Months [---] +307%
- [--] Year [---] +18,825%

### Followers: [-----] [#](/creator/twitter::1772979661300965376/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:followers.svg)

- [--] Week [-----] +3.10%
- [--] Month [-----] +31%
- [--] Months [-----] +277%
- [--] Year [-----] +4,250%

### CreatorRank: [-------] [#](/creator/twitter::1772979661300965376/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  86.54% [finance](/list/finance)  29.49% [technology brands](/list/technology-brands)  12.82% [cryptocurrencies](/list/cryptocurrencies)  5.13% [countries](/list/countries)  2.56% [automotive brands](/list/automotive-brands)  2.56% [celebrities](/list/celebrities)  1.92% [social networks](/list/social-networks)  0.64% [fashion brands](/list/fashion-brands)  0.64%

**Social topic influence**
[$lmnd](/topic/$lmnd) #58, [$path](/topic/$path) #1, [$duol](/topic/$duol) #65, [ai](/topic/ai) 14.74%, [$hims](/topic/$hims) #420, [in the](/topic/in-the) 10.26%, [market](/topic/market) #1250, [business](/topic/business) #4322, [insurance](/topic/insurance) 5.13%, [the most](/topic/the-most) 5.13%

**Top accounts mentioned or mentioned by**
[@kafka7invest](/creator/undefined) [@jminvestment0](/creator/undefined) [@alc2022](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@stockfins](/creator/undefined) [@ahura2025](/creator/undefined) [@cginvesting10](/creator/undefined) [@elonmusk](/creator/undefined) [@spacex](/creator/undefined) [@depresseddill](/creator/undefined) [@danieldines](/creator/undefined) [@remarks](/creator/undefined) [@nighthawktradez](/creator/undefined) [@stocksavvyshay](/creator/undefined) [@fiscalai](/creator/undefined) [@holysmokas](/creator/undefined) [@julianpetroulas](/creator/undefined) [@agrippainv](/creator/undefined) [@daschreiber](/creator/undefined) [@jm_investment0](/creator/undefined)

**Top assets mentioned**
[Lemonade, Inc. (LMND)](/topic/$lmnd) [UiPath, Inc. (PATH)](/topic/$path) [Duolingo, Inc.  (DUOL)](/topic/$duol) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [ODDITY Tech Ltd (ODD)](/topic/$odd) [Spotify Technology (SPOT)](/topic/$spot) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [ZetaChain (ZETA)](/topic/$zeta) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Wise (WISE)](/topic/$wise) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Walmart, Inc. (WMT)](/topic/$wmt) [Shopify Inc (SHOP)](/topic/$shop) [Palantir Technologies Inc. (PLTR)](/topic/$pltr) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [Tesla, Inc. (TSLA)](/topic/$tsla) [AST SpaceMobile, Inc. Class A Common Stock (ASTS)](/topic/$asts) [Oscar Health, Inc.  (OSCR)](/topic/$oscr)
### Top Social Posts
Top posts by engagements in the last [--] hours

"New $PATH video just dropped Build and deploy agentic automations the unified way. https://www.youtube.com/watchv=xpBc1vFhPAo https://www.youtube.com/watchv=xpBc1vFhPAo"  
[X Link](https://x.com/MontanaMatos/status/2021612526585147832)  2026-02-11T15:49Z [----] followers, [----] engagements


"If I cant explain a company to a child I probably dont understand it well enough to invest in it. So I ran a simple test on $PATH. No jargon. No hype. No magical promises. Just [--] questions: What does the company do Why can it grow Where could I be wrong If I cant answer those clearly I shouldnt invest. I wrote the full breakdown. Its free. Link in the comments. https://twitter.com/i/web/status/2022022588155724154 https://twitter.com/i/web/status/2022022588155724154"  
[X Link](https://x.com/MontanaMatos/status/2022022588155724154)  2026-02-12T18:58Z [----] followers, [----] engagements


"Huge hire for $DUOL 👀 New $DUOL VP of AI. Ex Google Director of Engineering Workspace AI. https://t.co/EBErvt2M5h New $DUOL VP of AI. Ex Google Director of Engineering Workspace AI. https://t.co/EBErvt2M5h"  
[X Link](https://x.com/MontanaMatos/status/2022378087019655255)  2026-02-13T18:31Z [----] followers, [---] engagements


"$PATH Explaining the business as if I were talking to a child. If I cant explain a company to a child I probably dont understand it well enough to invest in it. So I ran a simple test on $PATH. No jargon. No hype. No magical promises. Just [--] questions: What does the company do Why can it grow Where could I be wrong If I cant https://t.co/LKNc0g0bOJ If I cant explain a company to a child I probably dont understand it well enough to invest in it. So I ran a simple test on $PATH. No jargon. No hype. No magical promises. Just [--] questions: What does the company do Why can it grow Where could I be"  
[X Link](https://x.com/MontanaMatos/status/2022023515755733355)  2026-02-12T19:02Z [----] followers, [----] engagements


"@JM_Investment0 Do you have the chart for $PATH Where do you see the bottom"  
[X Link](https://x.com/MontanaMatos/status/2022038289478492614)  2026-02-12T20:01Z [----] followers, [---] engagements


"Thats it folks. $HIMS down -10% in a single day. Honestly It makes zero sense. 🤷♂"  
[X Link](https://x.com/MontanaMatos/status/2017332175637557638)  2026-01-30T20:20Z [----] followers, 36.7K engagements


"$DUOL WHY DUOLINGO IS ONE OF THE BEST OPPORTUNITIES IN THE MARKET IN [--] MINUTES New article is live. Its completely free and linked in the comments. 👇 If you find the work useful feel free to share 🤝"  
[X Link](https://x.com/MontanaMatos/status/2020946368475562109)  2026-02-09T19:42Z [----] followers, [----] engagements


"🚨 BREAKING HEAVY SHORTS IN UIPATH ( $PATH ) maintains short interest at 18% of free float and 75.8M shares sold short. UiPath short interest rose from 13.5% to 18.14% in [--] months https://fintel.io/ss/us/path https://fintel.io/ss/us/path"  
[X Link](https://x.com/MontanaMatos/status/2021558564133941371)  2026-02-11T12:14Z [----] followers, 13.1K engagements


"Theyre becoming a commodity. $PATH says thank you. JUST IN: OpenAI projects a $14 billion loss in [----]. https://t.co/XYgAXJ8fOf JUST IN: OpenAI projects a $14 billion loss in [----]. https://t.co/XYgAXJ8fOf"  
[X Link](https://x.com/MontanaMatos/status/2021581811432734923)  2026-02-11T13:47Z [----] followers, 10.1K engagements


"Down 10% in a day. Nothing changed fundamentally. 🧠 $PATH $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2021631674363392074)  2026-02-11T17:05Z [----] followers, [----] engagements


"$PATH below a $6B market cap"  
[X Link](https://x.com/MontanaMatos/status/2021991595789410327)  2026-02-12T16:55Z [----] followers, [---] engagements


"@CGInvesting10 Take advantage of $PATH at $11👀"  
[X Link](https://x.com/MontanaMatos/status/2022379057539928327)  2026-02-13T18:35Z [----] followers, [---] engagements


"This valuation is insane $380B. Meanwhile $PATH is sitting at just $6B A lot of road ahead. 👀 *ANTHROPIC FINALIZES $30 BILLION FUNDING AT $380 BILLION VALUE https://t.co/d7GzU5n8O5 *ANTHROPIC FINALIZES $30 BILLION FUNDING AT $380 BILLION VALUE https://t.co/d7GzU5n8O5"  
[X Link](https://x.com/MontanaMatos/status/2022455773280743490)  2026-02-13T23:40Z [----] followers, [----] engagements


"$PATH 33% CAGR since [----]. Nearly $1B in subscription revenue. Almost $2B in ARR. imagine what happens when autonomous agents start orchestrating end-to-end workflows inside enterprises. The next phase could be much bigger 👀🚀 $PATH subscription revenue has a 33% CAGR since [----] Is RPA really a dying business Looks great here https://t.co/qRH2aoYIXx $PATH subscription revenue has a 33% CAGR since [----] Is RPA really a dying business Looks great here https://t.co/qRH2aoYIXx"  
[X Link](https://x.com/MontanaMatos/status/2022618173695025444)  2026-02-14T10:25Z [----] followers, [----] engagements


"$PATH is in a phenomenal position to make a lot of money. Automation is still in the early innings. AI agents are accelerating adoption. Enterprises are desperate for efficiency. $PATH its positioning itself at the center of the next productivity wave. 🚀"  
[X Link](https://x.com/MontanaMatos/status/2022630678773518650)  2026-02-14T11:15Z [----] followers, [----] engagements


"Yesterday left me without internet for [--] hours. What happened in Portugal and Spain really got me thinking about $ASTS"  
[X Link](https://x.com/MontanaMatos/status/1917119799332634773)  2025-04-29T07:32Z [----] followers, [---] engagements


"🏗 Legacy insurers cant compete To match Lemonade they'd need to: Rebuild everything Fire thousands Hire AI engineers Change their culture They wont. $LMND has the tech talent and culture to scale without headcount"  
[X Link](https://x.com/MontanaMatos/status/1937165193940750691)  2025-06-23T15:05Z [----] followers, [---] engagements


"🌍 TAM = $7.5 Trillion $LMND Lemonade can launch: Pet Life Renters Auto Bike Electronics Freelancers And markets we havent imagined yet Its Amazon in early-stage insurance"  
[X Link](https://x.com/MontanaMatos/status/1937165196503523510)  2025-06-23T15:05Z [----] followers, [---] engagements


"🤖 AI isn't a feature. It's the core. Every claim customer and interaction trains the system. Traditional insurers update risk models once a year. $LMND learns daily. Thats a compounding moat most people cant even see"  
[X Link](https://x.com/MontanaMatos/status/1937165199200710686)  2025-06-23T15:05Z [----] followers, [---] engagements


"📱 Whos buying Lemonade $LMND Millennials Gen Z Digital natives who want clean UX ethics and instant results These people are just getting started: Buying homes starting families opening businesses. And Lemonade is natively positioned to serve them"  
[X Link](https://x.com/MontanaMatos/status/1937165344243871751)  2025-06-23T15:06Z [----] followers, [---] engagements


"🚨 Rumor: Government planning a pilot to cover GLP1s under Medicare/Medicaid. 📌 Facts: Only GLP1s for weight loss nothing else. Starts [------]. $HIMS is much more than GLP1 and runs a cashpay model outside CMS. If the market panics its just short-term noise. The $HIMS thesis remains intact. ✅"  
[X Link](https://x.com/MontanaMatos/status/1951244036154728747)  2025-08-01T11:30Z [----] followers, [----] engagements


"📢 My take on $OSCR: One of the key risks in the thesis was potential cuts to ACA subsidies. But if the US government is willing to subsidize expensive GLP1 drugs under Medicare/Medicaid it signals a trend toward more healthcare spending not less. Bullish for Oscar Health. ✅"  
[X Link](https://x.com/MontanaMatos/status/1951263562522828880)  2025-08-01T12:47Z [----] followers, [----] engagements


"$LMND Personally I find this managements patience fascinating. Its not just about scaling fastits about scaling in the most efficient way possible. As they themselves put it Auto is a wild horseyou need to roll it out state by state collect high-quality data and train the Lemonade machine to predict risks with precision driving the Gross Loss Ratio lower over time. Five years from now Lemonade might very well expand to another continent. But for now the priority is clear: dominate the US market and accelerate in Europe. Thats the foundation that will prepare Lemonade for a global leap"  
[X Link](https://x.com/MontanaMatos/status/1953083175489372259)  2025-08-06T13:18Z [----] followers, [----] engagements


"fundamentals and sentiment are lining up for a squeeze. $LMND 🍋 Being short $LMND is suicidal. [--]. Rev growth drastically accelerating in Q3 [--]. Becoming EBITDA profitable soon [--]. Fair value is 4x higher at $190 today (based on my [--] year model at a 15% discount rate) [--]. No resistance above $53-$54 a share [--]. 30% of the float is currently Being short $LMND is suicidal. [--]. Rev growth drastically accelerating in Q3 [--]. Becoming EBITDA profitable soon [--]. Fair value is 4x higher at $190 today (based on my [--] year model at a 15% discount rate) [--]. No resistance above $53-$54 a share [--]. 30% of the"  
[X Link](https://x.com/MontanaMatos/status/1954967482755695011)  2025-08-11T18:05Z [----] followers, [----] engagements


"Contrarian investments are the most rewarding. 🍋❤ $LMND"  
[X Link](https://x.com/MontanaMatos/status/1955975298320605187)  2025-08-14T12:50Z [----] followers, [----] engagements


"$7.4T sitting in money market funds. 94% probability of a Fed rate cut next month. The moment cash starts moving prices wont wait for you"  
[X Link](https://x.com/MontanaMatos/status/1956482958417711412)  2025-08-15T22:27Z [----] followers, [----] engagements


"Its happening. ✅ $LMND Does Statefarm's new billboards attacking Lemonade remind you of anything $LMND https://t.co/usAbxqv6aY Does Statefarm's new billboards attacking Lemonade remind you of anything $LMND https://t.co/usAbxqv6aY"  
[X Link](https://x.com/MontanaMatos/status/1959715366214734083)  2025-08-24T20:32Z [----] followers, [----] engagements


"$LMND People we have the opportunity to add before earnings after that it will most likely go up. 🚀 As long as theres no news its actually a good moment to accumulate. 📉➡📈"  
[X Link](https://x.com/MontanaMatos/status/1962833904823324801)  2025-09-02T11:04Z [----] followers, [----] engagements


"Full Deep Dive on $SNAP. Feedback welcome 👇 https://montanamatos.substack.com/p/deep-dive-snap-inc-and-the-binary https://montanamatos.substack.com/p/deep-dive-snap-inc-and-the-binary"  
[X Link](https://x.com/MontanaMatos/status/2008922563641053497)  2026-01-07T15:23Z [----] followers, [---] engagements


"Interesting setup. $FVRR $FVRR generates over $100M in FCF per year Their enterprise value is $610M Is now a good entry point https://t.co/Qfp7tR5WQq $FVRR generates over $100M in FCF per year Their enterprise value is $610M Is now a good entry point https://t.co/Qfp7tR5WQq"  
[X Link](https://x.com/MontanaMatos/status/2008965341007802610)  2026-01-07T18:13Z [----] followers, [----] engagements


"Thread 🧵 $ODD $ZETA $PGY $GRAB $DLO Im testing a simple format: mini investment theses to surface the core insight behind a business. 👉 The full thesis for each company is linked in the last comment. Not to convince but to help you decide whats worth a deeper dive"  
[X Link](https://x.com/MontanaMatos/status/2009966779993600500)  2026-01-10T12:33Z [----] followers, [----] engagements


"ODDITY ( $ODD ) Not just a premium DTC beauty brand. ODDITY is a data + AI + biotech platform applying science to an industry still driven by intuition. 90%+ first-match accuracy lowers returns boosts retention and feeds a closed data loop with a biotech layer the market barely prices in. https://twitter.com/i/web/status/2009966783894114543 https://twitter.com/i/web/status/2009966783894114543"  
[X Link](https://x.com/MontanaMatos/status/2009966783894114543)  2026-01-10T12:33Z [----] followers, [---] engagements


"🚨 $ODD Valued at $2B today. Revenue projected to hit $2B by [----]. The market is pricing the future as if it already failed. Sometimes thats all you need to see"  
[X Link](https://x.com/MontanaMatos/status/2010315131830648964)  2026-01-11T11:37Z [----] followers, [----] engagements


"$PGY: Those red debt bars scary WRONG 95% vanishes in [--] days: Banks originate $2.8B Pagaya holds 4% ($112M) for Dodd-Frank ABS/Blue Owl buy everything Debt -95% + $139M fees It's bridge financing NOT permanent debt"  
[X Link](https://x.com/MontanaMatos/status/2015498774240461145)  2026-01-25T18:55Z [----] followers, [----] engagements


"If SpaceX ever goes public I doubt the ticker will be $SPX. Its already tied to the S&P [---]. $ORBIT or $STAR feels far more likely. @elonmusk @SpaceX 😉 JUST IN: 87% chance SpaceX announces an IPO JUST IN: 87% chance SpaceX announces an IPO"  
[X Link](https://x.com/MontanaMatos/status/2016274452414087373)  2026-01-27T22:17Z [----] followers, [---] engagements


"Extreme pessimism on $HIMS. Revenue up 15x. Margins turned positive. Expansion accelerating. Price barely moved in years. This is how long-term opportunities usually look at the bottom"  
[X Link](https://x.com/MontanaMatos/status/2016541104926015887)  2026-01-28T15:57Z [----] followers, 26.3K engagements


"If it goes through $PATH will no longer be the only pure-play RPA company publicly listed and well gain a new comparable in the automation + enterprise AI space. This is interesting. Automation Anywhere (2nd to $PATH in RPA) is looking at a reverse listing (last valued at $6.8B ) acquiring the publicly traded C3 AI ($1.8B market cap). https://t.co/PMrE9wzvEZ This is interesting. Automation Anywhere (2nd to $PATH in RPA) is looking at a reverse listing (last valued at $6.8B ) acquiring the publicly traded C3 AI ($1.8B market cap). https://t.co/PMrE9wzvEZ"  
[X Link](https://x.com/MontanaMatos/status/2016585308112855437)  2026-01-28T18:52Z [----] followers, [----] engagements


"$ROOT The 0.7x P/S multiple really stands out here. Hard to ignore given the growth and profitability inflection. $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 profitable (excl. a one-off last quarter) - Accelerating growth Pick basically any ratio compare with another auto insurer and look what $ROOT would be"  
[X Link](https://x.com/MontanaMatos/status/2016589925752156251)  2026-01-28T19:11Z [----] followers, [----] engagements


"$PATH is undervalued"  
[X Link](https://x.com/MontanaMatos/status/2016901109705494814)  2026-01-29T15:47Z [----] followers, [----] engagements


"Wild pricing for a business with real revenue and scale. $PATH $Path is trading at $13 a share 🥺 https://t.co/zdFXNBkTo4 $Path is trading at $13 a share 🥺 https://t.co/zdFXNBkTo4"  
[X Link](https://x.com/MontanaMatos/status/2016960176536883237)  2026-01-29T19:42Z [----] followers, [----] engagements


"$DUOL Now Im a Duolingo shareholder. Bought at $134. Irresistible to me"  
[X Link](https://x.com/MontanaMatos/status/2017252265027891477)  2026-01-30T15:03Z [----] followers, [----] engagements


"Insane day buying every single dip on $PATH"  
[X Link](https://x.com/MontanaMatos/status/2017319130789982259)  2026-01-30T19:28Z [----] followers, [----] engagements


"$MSFT and $META CONFIRMED Theyd spend wildly $NBIS has contracts with both $NBIS is SOLD OUT"  
[X Link](https://x.com/MontanaMatos/status/2017544157468742049)  2026-01-31T10:23Z [----] followers, 23.6K engagements


"Just upgraded to Duolingo Max. Take my money $DUOL 💚🦉💸"  
[X Link](https://x.com/MontanaMatos/status/2017630345600868392)  2026-01-31T16:05Z [----] followers, [----] engagements


"Excellent comparison between Moltbooks bottom-up chaos and UiPaths top-down approach. In the enterprise world real disruption will come from those who can orchestrate agents securely not just set them loose. $PATH is positioning itself precisely there. $PATH is the anti-Moltbook. TLDR; if Moltbook is giving us a glimpse into the agentic Wild West on the consumer side $PATH's Maestro is showing us what the Sheriff looks like on the enterprise side. There has been a lot of hype around Moltbook - the AI agent "social network". $PATH is the anti-Moltbook. TLDR; if Moltbook is giving us a glimpse"  
[X Link](https://x.com/MontanaMatos/status/2018349846432747820)  2026-02-02T15:44Z [----] followers, [----] engagements


"I only own [--] stocks. Concentration isnt a flaw. Its a choice. $PATH $LMND $HIMS $DUOL January portfolio update. Concentrated portfolio. Capital allocation decisions. Conviction first. Link in the comments. https://t.co/TLc45x0RZj January portfolio update. Concentrated portfolio. Capital allocation decisions. Conviction first. Link in the comments. https://t.co/TLc45x0RZj"  
[X Link](https://x.com/MontanaMatos/status/2018374384839184539)  2026-02-02T17:22Z [----] followers, [----] engagements


"Yes. Perfect. $PATH and $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2018699522445131826)  2026-02-03T14:54Z [----] followers, [----] engagements


"$DUOL is now trading at its lowest Forward EV/Sales ever. 4.2x"  
[X Link](https://x.com/MontanaMatos/status/2018701560595804351)  2026-02-03T15:02Z [----] followers, [----] engagements


"Down 77% from highs. Fundamentals keep improving. The bottom is closer than it looks. $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2018703815982100745)  2026-02-03T15:11Z [----] followers, [----] engagements


"Never thought Id see it trading here but here we are. -8.49% day. $5.5B market cap. This is a gift. And Im taking it"  
[X Link](https://x.com/MontanaMatos/status/2018734138782568713)  2026-02-03T17:11Z [----] followers, 15.1K engagements


"🚨 $ODD Valued at $1.8B today. Revenue projected to hit $2B by 2030"  
[X Link](https://x.com/MontanaMatos/status/2018778191717179809)  2026-02-03T20:06Z [----] followers, [----] engagements


"This is big. $HIMS moving into cancer detection isnt a feature its a platform move"  
[X Link](https://x.com/MontanaMatos/status/2019068194531442910)  2026-02-04T15:19Z [----] followers, [----] engagements


"@depressed__dill That would be insanely cheap 😳"  
[X Link](https://x.com/MontanaMatos/status/2019109064626827659)  2026-02-04T18:01Z [----] followers, [--] engagements


"$PATH Its fallen so much that its hard to see it falling much further. [--] years going sideways 80% down from the highs If markets truly broke this would be one of the safer stocks to own. Everyone who needed to sell already did"  
[X Link](https://x.com/MontanaMatos/status/2019136386792899046)  2026-02-04T19:50Z [----] followers, [----] engagements


"Tremendous buy in my view. Just bought it in a smaller portfolio not the main one. $ODD"  
[X Link](https://x.com/MontanaMatos/status/2019427498963210591)  2026-02-05T15:06Z [----] followers, [---] engagements


"$DUOL This is honestly one of the most beautiful FCF per share (LTM) charts Ive ever seen. Q4 2021: $0.11 Q3 2025: $7.75"  
[X Link](https://x.com/MontanaMatos/status/2019454648273277283)  2026-02-05T16:54Z [----] followers, [----] engagements


"$DUOL FCF per share (LTM) tells the real story. $DUOL This is honestly one of the most beautiful FCF per share (LTM) charts Ive ever seen. Q4 2021: $0.11 Q3 2025: $7.75 https://t.co/cMRMVGocG1 $DUOL This is honestly one of the most beautiful FCF per share (LTM) charts Ive ever seen. Q4 2021: $0.11 Q3 2025: $7.75 https://t.co/cMRMVGocG1"  
[X Link](https://x.com/MontanaMatos/status/2019456387374309593)  2026-02-05T17:01Z [----] followers, [---] engagements


"In [--] years Duolingo will just snap its fingers 🫰 New vertical. $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2019467708727747057)  2026-02-05T17:46Z [----] followers, [----] engagements


"$HIMS $HIMS $AMZN $NVO Different Time - Same Pattern 👇 In [----] analysts predicted that $AMZN would be crushed by Barnes & Noble. Jeff Bezos however was busy building the "Everything Store" reinvesting every cent into infrastructure logistics and a customer experience that would https://t.co/fXIAxk4STI $HIMS $AMZN $NVO Different Time - Same Pattern 👇 In [----] analysts predicted that $AMZN would be crushed by Barnes & Noble. Jeff Bezos however was busy building the "Everything Store" reinvesting every cent into infrastructure logistics and a customer experience that would"  
[X Link](https://x.com/MontanaMatos/status/2019712381073666145)  2026-02-06T09:58Z [----] followers, [---] engagements


"BREAKING 🚨 UiPath just acquired WorkFusion strengthening its agentic AI stack for financial services (AML KYC compliance). This is not incremental. This is enterprise AI moving from tools agents. $PATH 🔥"  
[X Link](https://x.com/MontanaMatos/status/2019795179905974723)  2026-02-06T15:27Z [----] followers, 14.3K engagements


"The bird will dominate. $DUOL 🔥🟢 $DUOL is down 80%. The bird is dead. Maybe its time to admit that I was wrong https://t.co/qDW69okl23 $DUOL is down 80%. The bird is dead. Maybe its time to admit that I was wrong https://t.co/qDW69okl23"  
[X Link](https://x.com/MontanaMatos/status/2019844239883223486)  2026-02-06T18:42Z [----] followers, [----] engagements


"The agentic era will reshape SaaS. Most companies will be tools. A few will be orchestrators. $PATH is building the control layer. Thats where the asymmetry is"  
[X Link](https://x.com/MontanaMatos/status/2020153161684550037)  2026-02-07T15:10Z [----] followers, [----] engagements


"$DUOL mission: A private tutor for everyone. Fun motivation. Data + AI scale. This is how category-defining companies are built"  
[X Link](https://x.com/MontanaMatos/status/2020159394718122302)  2026-02-07T15:35Z [----] followers, [----] engagements


"@danieldines saw what was coming in [----] and positioned UiPath to capture the opportunity. True orchestration has to be software- and model-agnostic thats the real moat. This is the founder and CEO of $PATH: a visionary billionaire who built a global company starting from Romania. 🤯🔥 ⚠ Microsoft OpenAI Anthropic ServiceNow xAI - they are all launching forms of AI agents and orchestration systems ⚠ AI agents and orchestration is becoming a huge theme for [----]. For this reason I have an EXTREMELY important message to all $PATH shareholders: The amount https://t.co/AUldqEKqZ1 ⚠ Microsoft"  
[X Link](https://x.com/MontanaMatos/status/2020504498775417005)  2026-02-08T14:26Z [----] followers, [----] engagements


"The CEO of Duolingo just shared something powerful in an interview. The UN is using Duolingo in refugee camps to help people learn new languages. This is what technology is supposed to do: give people tools dignity and a real chance to rebuild their lives. 🌍 Real impact. At global scale. $DUOL https://twitter.com/i/web/status/2020532311087817017 https://twitter.com/i/web/status/2020532311087817017"  
[X Link](https://x.com/MontanaMatos/status/2020532311087817017)  2026-02-08T16:16Z [----] followers, [----] engagements


"In the new interview released two days ago $DUOL The CEO of Duolingo just shared something powerful in an interview. The UN is using Duolingo in refugee camps to help people learn new languages. This is what technology is supposed to do: give people tools dignity and a real chance to rebuild their lives. 🌍 Real impact. At https://t.co/hdxOS0x3A1 The CEO of Duolingo just shared something powerful in an interview. The UN is using Duolingo in refugee camps to help people learn new languages. This is what technology is supposed to do: give people tools dignity and a real chance to rebuild their"  
[X Link](https://x.com/MontanaMatos/status/2020532750122410092)  2026-02-08T16:18Z [----] followers, [---] engagements


"Why is $WMT trading at 46x P/E [----] forward P/E is 44x So many fascinating growth stories in the market"  
[X Link](https://x.com/MontanaMatos/status/2020549145438654764)  2026-02-08T17:23Z [----] followers, [----] engagements


"Does it make sense for $AMZN to trade at 22x [----] forward P/E while $WMT trades at 44x Why is $WMT trading at 46x P/E [----] forward P/E is 44x So many fascinating growth stories in the market https://t.co/3MPL3iR4HZ Why is $WMT trading at 46x P/E [----] forward P/E is 44x So many fascinating growth stories in the market https://t.co/3MPL3iR4HZ"  
[X Link](https://x.com/MontanaMatos/status/2020550185625989314)  2026-02-08T17:27Z [----] followers, [----] engagements


"If you want to be a good investor you have to have a long-term perspective. You have to be willing to be very patient and wait for the right pitch. And when you get the right pitch you have to be ready to swing hard. You cant just take a little teeny tiny swing. You have to swing with all your might. Charlie Munger https://twitter.com/i/web/status/2020614269562179743 https://twitter.com/i/web/status/2020614269562179743"  
[X Link](https://x.com/MontanaMatos/status/2020614269562179743)  2026-02-08T21:42Z [----] followers, [---] engagements


"PINTEREST $PINS EV/Sales at a historic low [---] its never traded this cheap. Is it worth a deeper dive"  
[X Link](https://x.com/MontanaMatos/status/2020627584128790689)  2026-02-08T22:35Z [----] followers, [----] engagements


"There is no real durable bear case for $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2020881679296999692)  2026-02-09T15:25Z [----] followers, [----] engagements


"@Kafka7invest $HIMS has to deal with regulatory risk thats real and non-trivial. $DUOL doesnt have that overhang at all"  
[X Link](https://x.com/MontanaMatos/status/2020887242068148492)  2026-02-09T15:47Z [----] followers, [---] engagements


"You size up and let time do the work. $PATH 🔥 $PATH checks all the boxes: ✅Technical Founder-led company: Daniel Dines. ✅Cheap current valuation: 4x trailing sales. ✅Strong balance sheet: $1.4B in cash with zero debt. ✅Profitability: GAAP profitable and free cash flow positive. ✅Decreasing share count: Strong buybacks $PATH checks all the boxes: ✅Technical Founder-led company: Daniel Dines. ✅Cheap current valuation: 4x trailing sales. ✅Strong balance sheet: $1.4B in cash with zero debt. ✅Profitability: GAAP profitable and free cash flow positive. ✅Decreasing share count: Strong buybacks"  
[X Link](https://x.com/MontanaMatos/status/2020899040322314713)  2026-02-09T16:34Z [----] followers, [----] engagements


"$DUOL is one of the most misunderstood businesses in the market today. Its playful design and viral branding make many investors dismiss it as a gimmick not a serious education platform. That shallow read fuels most bear cases: It cant really teach. Education is shrinking. AI will replace it. Growth has peaked. None of those engage with how the business actually works. There is no real durable bear case for $DUOL. There is no real durable bear case for $DUOL"  
[X Link](https://x.com/MontanaMatos/status/2020904257776484814)  2026-02-09T16:54Z [----] followers, [----] engagements


"The data does not support the idea that $DUOL is a business in decline. Revenue growing year over year. Paid subscribers at all-time highs. Free cash flow per share expanding. Daily active users (DAUs) at all-time highs. Monthly active users (MAUs) at all-time highs"  
[X Link](https://x.com/MontanaMatos/status/2020924595537313968)  2026-02-09T18:15Z [----] followers, [----] engagements


"The market will always offer fish like this from time to time. Our job is to recognize the asymmetry and take advantage when it shows up. $DUOL $DUOL trading at a EV/FCF of [--] is just ridiculous. FCF has exploded since the launch of ChatGPT. AI is a tailwind not a headwind. https://t.co/yCPB7JmwT2 $DUOL trading at a EV/FCF of [--] is just ridiculous. FCF has exploded since the launch of ChatGPT. AI is a tailwind not a headwind. https://t.co/yCPB7JmwT2"  
[X Link](https://x.com/MontanaMatos/status/2020967667923116362)  2026-02-09T21:06Z [----] followers, [----] engagements


"Guys I only started buying $PATH aggressively in January $DUOL in late January and early February and $ODD in February. I didnt catch that whole drop. I used the pullbacks to build positions. $LMND represented about 70% of my portfolio in [----] and delivered an excellent result. So why do you think Im wrecked 🤣 At the moment I have only [--] stocks in my portfolio. $PATH $DUOL $LMND $ODD $HIMS At the moment I have only [--] stocks in my portfolio. $PATH $DUOL $LMND $ODD $HIMS"  
[X Link](https://x.com/MontanaMatos/status/2020989454039777683)  2026-02-09T22:33Z [----] followers, [----] engagements


"Consistent EPS growth. $SPOT is executing and I expect this to accelerate long term just like $DUOL. $SPOT (Spotify Technology) #earnings are out: https://t.co/gYdbUQOQu1 $SPOT (Spotify Technology) #earnings are out: https://t.co/gYdbUQOQu1"  
[X Link](https://x.com/MontanaMatos/status/2021207714106372434)  2026-02-10T13:00Z [----] followers, [----] engagements


"@alc2022 $DUOL is next"  
[X Link](https://x.com/MontanaMatos/status/2021208221289939107)  2026-02-10T13:02Z [----] followers, [---] engagements


"$DUOL is trading at 11.5x FCF. Two businesses with strong FCF growth but $DUOL is still clearly lagging. Im expecting a re-rating 👀 Who TF is paying 35x FCF for $SPOT with 6% revenue growth Please enlighten me https://t.co/XTIMS999I6 Who TF is paying 35x FCF for $SPOT with 6% revenue growth Please enlighten me https://t.co/XTIMS999I6"  
[X Link](https://x.com/MontanaMatos/status/2021318401759625666)  2026-02-10T20:20Z [----] followers, [---] engagements


"People have gone crazy. They dont believe in AI but at the same time think it will destroy every company. Meanwhile companies like $SPOT just keep executing and gaining users. Just a website. Just an app. Owning the rails is what compounds. 💪 b.b.but cant we just vibe code a website How did Shopify have its best quarter ever. BY A MILE $SHOP https://t.co/2kcszLtwFt b.b.but cant we just vibe code a website How did Shopify have its best quarter ever. BY A MILE $SHOP https://t.co/2kcszLtwFt"  
[X Link](https://x.com/MontanaMatos/status/2021580292759105964)  2026-02-11T13:41Z [----] followers, [----] engagements


"Just an app they say. 😂 $DUOL People have gone crazy. They dont believe in AI but at the same time think it will destroy every company. Meanwhile companies like $SPOT just keep executing and gaining users. Just a website. Just an app. Owning the rails is what compounds. 💪 People have gone crazy. They dont believe in AI but at the same time think it will destroy every company. Meanwhile companies like $SPOT just keep executing and gaining users. Just a website. Just an app. Owning the rails is what compounds. 💪"  
[X Link](https://x.com/MontanaMatos/status/2021580583529287822)  2026-02-11T13:42Z [----] followers, [---] engagements


"Just automation they say. 😂 $PATH People have gone crazy. They dont believe in AI but at the same time think it will destroy every company. Meanwhile companies like $SPOT just keep executing and gaining users. Just a website. Just an app. Owning the rails is what compounds. 💪 People have gone crazy. They dont believe in AI but at the same time think it will destroy every company. Meanwhile companies like $SPOT just keep executing and gaining users. Just a website. Just an app. Owning the rails is what compounds. 💪"  
[X Link](https://x.com/MontanaMatos/status/2021581356728242627)  2026-02-11T13:45Z [----] followers, [----] engagements


"@remarks $PATH will benefit massively from this"  
[X Link](https://x.com/MontanaMatos/status/2021582020699115577)  2026-02-11T13:48Z [----] followers, [----] engagements


"😉😂 $PATH Theyre becoming a commodity. $PATH says thank you. Theyre becoming a commodity. $PATH says thank you"  
[X Link](https://x.com/MontanaMatos/status/2021582169567637807)  2026-02-11T13:48Z [----] followers, [----] engagements


"OPPORTUNITY ALERT 🚨 $PATH $12.00"  
[X Link](https://x.com/MontanaMatos/status/2021603119629578720)  2026-02-11T15:11Z [----] followers, [----] engagements


"Watch the $SPOT earnings call. Its a masterclass. Very good listen. 🎧"  
[X Link](https://x.com/MontanaMatos/status/2021679148381409380)  2026-02-11T20:14Z [----] followers, [---] engagements


"$REAX is trading at its lowest P/S ratio ever. [----] The company is valued at just $590M"  
[X Link](https://x.com/MontanaMatos/status/2021957607637049817)  2026-02-12T14:40Z [----] followers, [---] engagements


"@JM_Investment0 and $PATH"  
[X Link](https://x.com/MontanaMatos/status/2022030667035685093)  2026-02-12T19:30Z [----] followers, [---] engagements


"$PATH mini thesis 🧠⚙ Q3 revenue grew 16% YoY. Maestro already has 950+ pilots and starts monetizing this year. Meanwhile Wall Street models just 9% growth for [----] 🤔 Thats a deceleration while the core business is still accelerating. If UiPath guides to 16%+ growth in Q4 those models wont survive 📊 AI automation needs an orchestration layer. Maestro is competing to be the OS 🧩 https://twitter.com/i/web/status/2007475227861643450 https://twitter.com/i/web/status/2007475227861643450"  
[X Link](https://x.com/MontanaMatos/status/2007475227861643450)  2026-01-03T15:32Z [----] followers, [----] engagements


"At the moment I have only [--] stocks in my portfolio. $PATH $DUOL $LMND $ODD $HIMS"  
[X Link](https://x.com/MontanaMatos/status/2020956153920819382)  2026-02-09T20:21Z [----] followers, 14.8K engagements


"$PATH is: On the cutting edge of AI Generating real value for enterprise clients Profitable Free cash flow positive Accelerating revenue Trading below the S&P forward P/E And yet The stock price is beaten down"  
[X Link](https://x.com/MontanaMatos/status/2022719929158676904)  2026-02-14T17:09Z [----] followers, [----] engagements


"$LMND is now back to a $2.9B valuation insane 🤯"  
[X Link](https://x.com/anyuser/status/1943645484419022881)  2025-07-11T12:16Z [----] followers, [----] engagements


"$WISE $WISE.L Deep Dive coming soon"  
[X Link](https://x.com/anyuser/status/1947701459593654656)  2025-07-22T16:53Z [----] followers, [---] engagements


"1/ $WISE $WISE.L Wise isnt just a money transfer app. Its an invisible infrastructure that could move trillions and become the global money network. While banks and fintechs build flashy interfaces Wise is rebuilding the system from scratch. 🧵 Heres why its at the top of my watchlist: https://twitter.com/i/web/status/1948405830195335587 https://twitter.com/i/web/status/1948405830195335587"  
[X Link](https://x.com/anyuser/status/1948405830195335587)  2025-07-24T15:32Z [----] followers, [----] engagements


"@NighthawkTradez @StockSavvyShay @fiscal_ai 🤣"  
[X Link](https://x.com/MontanaMatos/status/1950549265895379341)  2025-07-30T13:29Z [----] followers, [---] engagements


"Experts in insurance will be wrong about $LMND"  
[X Link](https://x.com/MontanaMatos/status/1951281179379790299)  2025-08-01T13:57Z [----] followers, [----] engagements


"@HolySmokas 7.4T on the sidelines is a coiled spring waiting for a trigger 👀"  
[X Link](https://x.com/MontanaMatos/status/1954991219110711590)  2025-08-11T19:40Z [----] followers, [---] engagements


"$LMND feels lighter now. But nothing beats the bond we built buying when everyone else ran for the exits"  
[X Link](https://x.com/anyuser/status/1955313531391221917)  2025-08-12T17:00Z [----] followers, [----] engagements


"Who here currently has $LMND making up more than 50% of their portfolio Yes over 50% Over 75% Less than 25% Between 25%50% Yes over 50% Over 75% Less than 25% Between 25%50%"  
[X Link](https://x.com/anyuser/status/1955724220836569510)  2025-08-13T20:12Z [----] followers, [----] engagements


"Small enough to be missed big enough to explode"  
[X Link](https://x.com/MontanaMatos/status/1956765388445769792)  2025-08-16T17:09Z [----] followers, [----] engagements


"@julianpetroulas $XPEV"  
[X Link](https://x.com/anyuser/status/1958529879986655518)  2025-08-21T14:01Z [----] followers, [----] engagements


"If $HIMS manages to secure only 1% of its total addressable market revenue could 20x from here"  
[X Link](https://x.com/anyuser/status/1959972562206617654)  2025-08-25T13:34Z [----] followers, [---] engagements


"Just took a first look at $DAVE and this chart really caught my eye. If I like what I find digging deeper it might become the topic of my next article. Anyone got thoughts on this one"  
[X Link](https://x.com/anyuser/status/1960383499107491991)  2025-08-26T16:47Z [----] followers, [----] engagements


"For a long time Ive been all in on just [--] stocks: 📌 $LMND 70% (started at $30) 📌 $HIMS 30% (started at $26) No trims. No new companies. Just conviction. But now a new position might be starting soon. Small at first but if Im starting thats a signal. 😉"  
[X Link](https://x.com/anyuser/status/1960471640166306134)  2025-08-26T22:37Z [----] followers, 17.1K engagements


"I focus on finding the best flywheels of value creation to invest in. Right now I see that in $HIMS and $LMND"  
[X Link](https://x.com/anyuser/status/1962533298057392287)  2025-09-01T15:09Z [----] followers, [----] engagements


"Which one gets to 10x first For that to happen: $HIMS needs to hit $260 $LMND needs to hit $300 Who wins the race 🏁"  
[X Link](https://x.com/MontanaMatos/status/1962547463614513635)  2025-09-01T16:05Z [----] followers, [---] engagements


"$NFLX stock got crushed when subscriber growth started to slow down. It has recovered since but the lesson is clear: when user growth stalls the market hits hard. Could the same happen to $DUOL"  
[X Link](https://x.com/anyuser/status/1963966675834868144)  2025-09-05T14:05Z [----] followers, [----] engagements


"Crazy day just now getting a chance to post. Big news: Nebius ($NBIS) announced a strategic investment in Toloka with backing from Bezos Expeditions (yes Jeff Bezos fund) and Mikhail Parakhin CTO of Shopify. As part of the deal $NBIS will no longer hold a majority stake in Toloka which will be deconsolidated from their financials. Smart move that could unlock more focused growth. Im already up over 30% on this position. Still very bullish. Keep an eye on it"  
[X Link](https://x.com/MontanaMatos/status/1920184785114206689)  2025-05-07T18:31Z [----] followers, [----] engagements


"Great day in the market today My positions are on fire: $HIMS: +110.2% 🟢 $NBIS: +63.4% 🟢 $AMD: +24.2% 🟢 Daily P&L: +7.29% 🟢 Portfolio distribution details below"  
[X Link](https://x.com/MontanaMatos/status/1922021863514906771)  2025-05-12T20:11Z [----] followers, [---] engagements


"Just started my position in $LMND it was inevitable. [---] shares to kick things off. Huge thanks to the LMND community for all the posts insights and conviction. Ive read re-read and learned a ton from the biggest LMND believers out there. Grateful to have discovered this company. It has everything it needs to win. Im in now lets build"  
[X Link](https://x.com/MontanaMatos/status/1925282905430860288)  2025-05-21T20:09Z [----] followers, [----] engagements


"At first it sounds strange. How can Lemonade predict a customers value before they even buy But once you understand the system behind it its actually brilliant. They use an AI model called LTV6 which estimates a customers net value over [--] years just based on: - Device used - Traffic source (Meta Google etc.) - Visitor location - On-site behavior - Answers in the quote form Its trained on millions of real customer outcomes. When a new visitor shows up the AI compares that pattern to past profiles and predicts: 🧠 Likelihood of filing claims 🔁 Retention potential 🔼 Cross-sell opportunities If"  
[X Link](https://x.com/MontanaMatos/status/1925493115395129384)  2025-05-22T10:05Z [----] followers, [----] engagements


"Some recent small wins: 2.5X on $Tesla ( closed ) 2.5X on $SoFi ( closed ) 2X on $Nvidia ( Closed ) 2X on $Nebius ( closed ) Im long. 2x on $HIMS ( Open ) 15% $LMND ( Open ) 🤫"  
[X Link](https://x.com/MontanaMatos/status/1930914357593985245)  2025-06-06T09:07Z [----] followers, [---] engagements


"$LMND at $38.10. This isnt a drop. Its an invitation. The market gives moments like this to the few. Most dont even realize theyre moments. Some sell out of fear. Others build wealth with patience and vision. This is one of those times. And I know exactly which side Im on. #LMND #LongTermThinking #HighConviction #GrowthInvestor"  
[X Link](https://x.com/MontanaMatos/status/1935064525675303176)  2025-06-17T19:58Z [----] followers, [----] engagements


"@Agrippa_Inv Great analysis. Very enlightening thank you"  
[X Link](https://x.com/MontanaMatos/status/1935996838861025644)  2025-06-20T09:43Z [----] followers, [----] engagements


"📈 Every day the portfolio is green is an amazing day. $HIMS +385% 🟢 $LMND +983% 🟢"  
[X Link](https://x.com/MontanaMatos/status/1936087947553485095)  2025-06-20T15:45Z [----] followers, [---] engagements


"Portfolios up. 🟢 $HIMS 2.50x $LMND 1.50x High conviction. Long-term mindset. Just getting started"  
[X Link](https://x.com/MontanaMatos/status/1936340794815946929)  2025-06-21T08:29Z [----] followers, [---] engagements


"🧵 Why I'm All-In on Lemonade ( $LMND ) This morning I went back through the Lemonade investor community here on X. I read every insight revisited key posts and took notes on whats really being said. A few hours later I structured everything into this: A full thesis fast and clear with real conviction. 👇"  
[X Link](https://x.com/MontanaMatos/status/1937165172394643504)  2025-06-23T15:05Z [----] followers, 11K engagements


"But behind the noise theres a company: Built from scratch Running on AI Reinventing the insurance model Scaling efficiently Loved by a new generation Heres why I believe $LMND could go from $2/3B to $200B:"  
[X Link](https://x.com/MontanaMatos/status/1937165175116779773)  2025-06-23T15:05Z [----] followers, [---] engagements


"🧠 The problem Lemonade is solving $LMND Insurance sucks. It's slow It's expensive Its built on misaligned incentives Lemonade flips the script: AI-powered Transparent Aligned with customers Theyre not digitizing insurance. Theyre rebuilding it"  
[X Link](https://x.com/MontanaMatos/status/1937165177646088281)  2025-06-23T15:05Z [----] followers, [---] engagements


"$LMND 💸 Giveback Model = Genius In traditional insurance: The less they pay you the more they profit. Lemonade changes that. Unused premiums go to charities chosen by the customer. That builds trust loyalty and a brand people actually love"  
[X Link](https://x.com/MontanaMatos/status/1937165183165853841)  2025-06-23T15:05Z [----] followers, [---] engagements


"🧑💻 Founders with vision & grit $LMND Shai Wininger: ex-Fiverr built the infrastructure Daniel Schreiber: brand + strategy + culture Theyre not here to make an app. Theyre here to build a cash machine powered by ethics software and scale. And theyre doing it"  
[X Link](https://x.com/MontanaMatos/status/1937165185489264694)  2025-06-23T15:05Z [----] followers, [---] engagements


"⚡ Growth is no longer theoretical $LMND Free cash flow positive (2024) Revenue growing 30%+ YoY Margins improving CAC falling thanks to word-of-mouth 1M+ customers faster than GEICO Allstate State Farm The monetization engine is running"  
[X Link](https://x.com/MontanaMatos/status/1937165188710486399)  2025-06-23T15:05Z [----] followers, [---] engagements


"🚘 Lemonade Car is the trigger $LMND US auto insurance = $316B/year Capturing just 1% of that = $3B in IFP (thats more than Lemonades entire current book) They acquired Metromile. Now they have 10+ years of telematics data. Real pricing. Real edge"  
[X Link](https://x.com/MontanaMatos/status/1937165191403164097)  2025-06-23T15:05Z [----] followers, [---] engagements


"💬 The community knows it $LMND I've seen it here on X: People who've held through [--] years of drawdowns Deep conviction Calm focus Tesla-style early believers It feels risky now. But in [--] years everyone will say it was obvious"  
[X Link](https://x.com/MontanaMatos/status/1937165346773025145)  2025-06-23T15:06Z [----] followers, [---] engagements


"📈 So heres my thesis in one line: Lemonade ( $LMND ) is a $2B company playing in a $7.5T market With a software-first engine AI advantage aligned culture and room to 100x If it gets there this will have been the best asymmetric bet of the decade"  
[X Link](https://x.com/MontanaMatos/status/1937165349188727054)  2025-06-23T15:06Z [----] followers, [---] engagements


"Duolingo would have to drop further. $DUOL P/S [--] Still a bit pricey. My Stocks $LMND P/S [----] $HIMS P/S 5.70"  
[X Link](https://x.com/MontanaMatos/status/1938593597013782575)  2025-06-27T13:41Z [----] followers, [----] engagements


"Check out this interview with @daschreiber the Co-Founder of $LMND. His vision back in [----] was truly incredible see for yourself: https://www.youtube.com/watchv=Q7oUZLHdn7s https://www.youtube.com/watchv=Q7oUZLHdn7s"  
[X Link](https://x.com/MontanaMatos/status/1939997118065754126)  2025-07-01T10:38Z [----] followers, [----] engagements


"While some are selling a few of us are quietly building generational wealth. Let them sleep. 🍋💰 Why would anyone sell $LMND right now when its clearly in the early stages of a great performance Why would anyone sell $LMND right now when its clearly in the early stages of a great performance"  
[X Link](https://x.com/MontanaMatos/status/1942653694496919673)  2025-07-08T18:35Z [----] followers, [----] engagements


"Im doing a deep dive on $ZETA and Ill be publishing it completely free link in my bio"  
[X Link](https://x.com/MontanaMatos/status/1944790130843087038)  2025-07-14T16:04Z [----] followers, [----] engagements


"$ZETA is Full-Stack. ✅ All-in-one: Data + Intelligence + Execution in a single platform (ZMP) First-party data Generative AI Native channels (email SMS push) Result: Faster smarter higher ROI Others Patchwork tools (Adobe CDP + 3rd-party DSP) = slower costlier messy ZETA = built-in end-to-end frictionless. Im doing a deep dive on $ZETA and Ill be publishing it completely free link in my bio. Im doing a deep dive on $ZETA and Ill be publishing it completely free link in my bio"  
[X Link](https://x.com/MontanaMatos/status/1945195740671684941)  2025-07-15T18:56Z [----] followers, [----] engagements


"Every time I study a new company I compare it to Lemonade. $LMND And thats why I havent added anything new to my portfolio. Nothing else feels asymmetric enough"  
[X Link](https://x.com/MontanaMatos/status/1946954745899364727)  2025-07-20T15:25Z [----] followers, [----] engagements


"This month I published [--] new Deep Dives all completely free to read on my Substack (link in bio): 🔍 $DUOL The Duolingo Moat 📲 $ZETA Fintech Under the Radar 🌍 $WISE The Invisible Infrastructure Moving Trillions If youre into deep research and long-term investing youll enjoy these"  
[X Link](https://x.com/MontanaMatos/status/1948458668489671160)  2025-07-24T19:02Z [----] followers, [---] engagements


"🚀 $LMND The bigger the base the higher in space. [--] years building this solid base heading into year 6"  
[X Link](https://x.com/MontanaMatos/status/1950884694582587575)  2025-07-31T11:42Z [----] followers, [----] engagements


"For me the numbers were fantasticbut nothing I wasnt already expecting after studying this business obsessively. What the market still doesnt get is that revenue growth and strong customer acquisition efforts are exactly what will make Lemonade profitable. Operating expenses (excluding marketing) arent scaling up the same way which makes this logic very simple if you look deep enough. $LMND"  
[X Link](https://x.com/MontanaMatos/status/1953081615044800913)  2025-08-06T13:11Z [----] followers, [----] engagements


"The most underrated metric in the market: FCF per share. Price always ends up following FCF/share. $TSLA $PLTR and $HOOD prove its not faith or headlines that drive the turn its when free cash flow per share shifts regimes and forces the market to recognize it"  
[X Link](https://x.com/MontanaMatos/status/1957727769263010190)  2025-08-19T08:54Z [----] followers, [----] engagements


"The next one will be $LMND. The most underrated metric in the market: FCF per share. Price always ends up following FCF/share. $TSLA $PLTR and $HOOD prove its not faith or headlines that drive the turn its when free cash flow per share shifts regimes and forces the market to recognize it. The most underrated metric in the market: FCF per share. Price always ends up following FCF/share. $TSLA $PLTR and $HOOD prove its not faith or headlines that drive the turn its when free cash flow per share shifts regimes and forces the market to recognize it"  
[X Link](https://x.com/MontanaMatos/status/1957731331955163487)  2025-08-19T09:08Z [----] followers, [----] engagements


"Were at the beginning of the turning point. 🚀 $LMND The inflection in sentiment appears to be happening now for $LMND. We are still relatively cheap here. At a P/S of [--] and a P/IFP of [--]. Historically we reached a P/S of [---] for this stock. The fundamentals have improved significantly and revenue is reaccelerating. This stock https://t.co/fVkabbHL8P The inflection in sentiment appears to be happening now for $LMND. We are still relatively cheap here. At a P/S of [--] and a P/IFP of [--]. Historically we reached a P/S of [---] for this stock. The fundamentals have improved significantly and revenue is"  
[X Link](https://x.com/MontanaMatos/status/1957804184150888663)  2025-08-19T13:57Z [----] followers, [----] engagements


"🚨 New Deep Dive is live Upstart ( $UPST ): The Most Asymmetric Bet in the Credit Market From hype and collapse to 100% YoY growth and a return to profitability in [----] I break down why Upstart is no longer the fragile fintech of [----] and why the asymmetry here is hard to ignore. https://open.substack.com/pub/montanamatos/p/upstart-upst-the-most-asymmetricr=5hb7vn&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/montanamatos/p/upstart-upst-the-most-asymmetricr=5hb7vn&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/MontanaMatos/status/1961472537801658482)  2025-08-29T16:54Z [----] followers, [----] engagements


"I only buy stocks with a long-term mindset. Im not interested in flipping positions or paying capital gains taxes in Portugal. The plan is simple: realize gains in another country with a better tax environment. Conviction patience and the long game"  
[X Link](https://x.com/MontanaMatos/status/1962467727236337986)  2025-09-01T10:49Z [----] followers, [---] engagements


"Americans spent $186B on pets in [----] (more than childcare) and its compounding at 11% a year. By [----] its a $260B market. Insurance penetration Tiny. $LMND is building in the middle of this megatrend 👀🐶📈 American spend on pets reached $186B in [----] more than was spent on childcare. The industry is growing at 11% a year nearly 2x pace of overall consumer spend and is estimated to reach $260B by [----] (with greater millenial/Gen-Z pet ownership). https://t.co/UDU3N1TQ1W American spend on pets reached $186B in [----] more than was spent on childcare. The industry is growing at 11% a year nearly"  
[X Link](https://x.com/MontanaMatos/status/1962866398339670180)  2025-09-02T13:13Z [----] followers, [----] engagements


"🚀 $PGY Pagaya signs $720M POS forward flow with Sound Point Capital ($45B AUM) $PGY: Pagaya Expands Point-of-Sale Funding Platform with up to $720 Million Forward Flow Agreement with Sound Point Capital Management Pagayas inaugural POS forward flow agreement underscores continued strong institutional demand for Pagayas POS assets Pagaya continues $PGY: Pagaya Expands Point-of-Sale Funding Platform with up to $720 Million Forward Flow Agreement with Sound Point Capital Management Pagayas inaugural POS forward flow agreement underscores continued strong institutional demand for Pagayas POS"  
[X Link](https://x.com/MontanaMatos/status/2015810066260062441)  2026-01-26T15:32Z [----] followers, [----] engagements


"The up to $720M forward flow with Sound Point is a strong signal of institutional validation for Pagayas POS platform. $PGY $PGY: Pagaya has built a differentiated institutional-grade platform for accessing consumer credit. Were excited to partner with Pagaya to support the continued growth of its point-of-sale strategy while offering our investors consistent exposure to short-duration assets with https://t.co/JofDCYrYUF $PGY: Pagaya has built a differentiated institutional-grade platform for accessing consumer credit. Were excited to partner with Pagaya to support the continued growth of its"  
[X Link](https://x.com/MontanaMatos/status/2016165307765719476)  2026-01-27T15:04Z [----] followers, [----] engagements


"What blows my mind about $LMND is how underrated and overlooked it still is. Both the stock and the company are misunderstood and totally disrespected. Im more confident than ever when $LMND finally gets the respect it deserves the flip is going to be massive. Patience pays. Lets ride. 🚀📈"  
[X Link](https://x.com/MontanaMatos/status/1927727124493779170)  2025-05-28T14:02Z [----] followers, [----] engagements


"$LMND The world spends more money on insurance than on advertising aerospace agriculture artificial intelligence automotive cloud computing cybersecurity defense education electronics entertainment fashion and apparel food and beverages oil and gas renewable energy pharmaceuticals semiconductors transportation software sports telecommunications and tourism. In short: insurance is a prize worth fighting for. (Lemonade Investor Day 2024)"  
[X Link](https://x.com/MontanaMatos/status/1928458194117894233)  2025-05-30T14:27Z [----] followers, [----] engagements


"@alc2022 Lets go 🔥 Im excited to see your update on $LMND"  
[X Link](https://x.com/MontanaMatos/status/1929147431045800223)  2025-06-01T12:06Z [----] followers, [----] engagements


"$LMND just slashed reinsurance from 55% 20%. Exactly the kind of move I was waiting for. They clearly trust The Machine. Margins go up. Profits are getting closer. Full confidence in their AI. This is Lemonade growing up. Now its all about execution. 🤯🚀 #LMND #Tech #Investing"  
[X Link](https://x.com/MontanaMatos/status/1939972650807300505)  2025-07-01T09:01Z [----] followers, [----] engagements


"This is summer in Southern Europe. Its pure madness for any European to leave this when summer hits. Mediterranean anywhere else this time of year. 📍Portugal Algarve Simple life sun sea and peace"  
[X Link](https://x.com/MontanaMatos/status/1947276257860653427)  2025-07-21T12:43Z [----] followers, [---] engagements


"🔥 Today wasnt a day to just watch it was a day to act. I added [--] more shares of $LMND at $36.48. Most people look at Lemonade and see losses. I look at Lemonade and see an insurer rewriting an entire industry with technology data and a product philosophy that will feel obvious 510-20 years from now. While the market doubts I put skin in the game"  
[X Link](https://x.com/MontanaMatos/status/1950642297722609918)  2025-07-30T19:38Z [----] followers, [----] engagements


"🚨 Skin in the Game: Showing the REAL Numbers in My Portfolio Today I shared an important move on Substack: 💥 I bought more $LMND and revealed exactly how much I invested and my vision for the years ahead. A lot of people talk about investing Few actually show real numbers real conviction the real path to building wealth. Inside this post youll see: How much I truly have invested in Lemonade and HIMS The full thesis behind todays buy Why I keep adding when most of the market stays skeptical 🔗 Read the article for free while its still open: 💬 The difference between following opinions and"  
[X Link](https://x.com/MontanaMatos/status/1950644241685733861)  2025-07-30T19:46Z [----] followers, [----] engagements


"📢 Big week ahead for my portfolio. Monday: $HIMS reports earnings. Tuesday: $LMND reports earnings. Ill be covering everything in detail numbers context and my unfiltered opinion. All 100% free on my Substack (link in bio)"  
[X Link](https://x.com/MontanaMatos/status/1952001951236800943)  2025-08-03T13:41Z [----] followers, 11K engagements


"Im only in [--] companies: $HIMS and $LMND. Extreme conviction extreme returns. Earnings this week and Ill cover everything on Substack (link in bio). 📢 Big week ahead for my portfolio. Monday: $HIMS reports earnings. Tuesday: $LMND reports earnings. Ill be covering everything in detail numbers context and my unfiltered opinion. All 100% free on my Substack (link in bio). https://t.co/BFSYGGo4Cv 📢 Big week ahead for my portfolio. Monday: $HIMS reports earnings. Tuesday: $LMND reports earnings. Ill be covering everything in detail numbers context and my unfiltered opinion. All 100% free on my"  
[X Link](https://x.com/MontanaMatos/status/1952002595196731887)  2025-08-03T13:44Z [----] followers, [----] engagements


"🍋 Some quarters remind you why long-term investing matters. This was one of them. I wrote a deep analysis on Lemonades Q2 results with clarity honesty and long-term perspective. 🔹 Customer growth 🔹 Better loss ratios 🔹 AI compounding effects kicking in 🔹 And why this might be the turning point If you believe in asymmetric bets and playing the long game this one might resonate. 📎 Read it here: Let me know what you think always happy to exchange thoughts. https://open.substack.com/pub/montanamatos/p/the-flywheel-is-finally-spinningr=5hb7vn&utm_medium=ios"  
[X Link](https://x.com/MontanaMatos/status/1953366741989380523)  2025-08-07T08:04Z [----] followers, [---] engagements


"@jakebrowatzke Lets go 🚀 The setup looks strong"  
[X Link](https://x.com/MontanaMatos/status/1954910585075720494)  2025-08-11T14:19Z [----] followers, [---] engagements


"$LMND were entering the fun zone"  
[X Link](https://x.com/MontanaMatos/status/1955932725262868875)  2025-08-14T10:01Z [----] followers, [----] engagements


"$NKE 👀 I honestly think this comes down to one thing: getting revenues back to all-time highs. Since returning as CEO Elliott Hill has beaten EPS expectations every single quarter. Execution is improving. Revenue is the missing piece. I dont own Nike Inc. and I dont plan to. https://twitter.com/i/web/status/2006845902494007335 https://twitter.com/i/web/status/2006845902494007335"  
[X Link](https://x.com/MontanaMatos/status/2006845902494007335)  2026-01-01T21:52Z [----] followers, [---] engagements

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