# ![@RileyE645 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1600960431627051041.png) @RileyE645 Riley Ellis

Riley Ellis posts on X about $root, $lmnd, root, $pgr the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1600960431627051041/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1600960431627051041/c:line/m:interactions.svg)

- [--] Week [-----] -57%
- [--] Month [------] +204%
- [--] Months [------] +224%
- [--] Year [-------] +873%

### Mentions: [--] [#](/creator/twitter::1600960431627051041/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1600960431627051041/c:line/m:posts_active.svg)

- [--] Week [--] -3.50%
- [--] Month [--] +356%
- [--] Months [--] +88%
- [--] Year [---] +215%

### Followers: [---] [#](/creator/twitter::1600960431627051041/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1600960431627051041/c:line/m:followers.svg)

- [--] Week [---] -1%
- [--] Month [---] +7.80%
- [--] Months [---] +38%
- [--] Year [---] +133%

### CreatorRank: [---------] [#](/creator/twitter::1600960431627051041/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1600960431627051041/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[cryptocurrencies](/list/cryptocurrencies)  [stocks](/list/stocks)  [finance](/list/finance)  [automotive brands](/list/automotive-brands)  [technology brands](/list/technology-brands)  [social networks](/list/social-networks) 

**Social topic influence**
[$root](/topic/$root) #15, [$lmnd](/topic/$lmnd), [root](/topic/root) #77, [$pgr](/topic/$pgr) #9, [$cvna](/topic/$cvna), [growth](/topic/growth), [insurance](/topic/insurance), [$all](/topic/$all) #20, [in the](/topic/in-the), [short interest](/topic/short-interest) #82

**Top accounts mentioned or mentioned by**
[@bjmtweets](/creator/undefined) [@andycyau](/creator/undefined) [@andersreiche](/creator/undefined) [@leinad7331](/creator/undefined) [@arrangray9](/creator/undefined) [@torpedotrading](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@kabraxfx](/creator/undefined) [@neilx10](/creator/undefined) [@nicklamparelli](/creator/undefined) [@longtermin1025](/creator/undefined) [@mattscottcap](/creator/undefined) [@paperbaginvest](/creator/undefined) [@justfactstruth](/creator/undefined) [@stockmarketnerd](/creator/undefined) [@mmoney642](/creator/undefined) [@cedarstresearch](/creator/undefined) [@sticksand1](/creator/undefined) [@bradsferguson](/creator/undefined) [@bagelc47](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Progressive Corp (PGR)](/topic/$pgr) [Carvana Co. (CVNA)](/topic/$cvna) [Alliance Fan Token (ALL)](/topic/$all) [TrustVerse (TRV)](/topic/$trv) [Return to Beginnings (ROOTS)](/topic/$roots) [Tesla, Inc. (TSLA)](/topic/$tsla) [UiPath, Inc. (PATH)](/topic/$path) [AUDIT (AUDIT)](/topic/audit) [Reserve (RSV)](/topic/reserve) [NVIDIA Corp. (NVDA)](/topic/$nvda)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@Neil_X10 @ShadyJosh5 [--]. Home could be similar IF they are able to price on more rating variables than legacy which they claim to do(im betting its true) Josh I agree current actuarial practice is good at the book level but IMO oppurtunity to be much more granular and improve at the customer level"  
[X Link](https://x.com/RileyE645/status/1725527317907185787)  2023-11-17T14:52Z [--] followers, [--] engagements


"@AcabOthello @PaperBagInvest @coverager so they could've been when pet LR's were higher a few years back but in terms of today it seems as though LR's are similar despite LMND pricing much lower. Not sure how much of that is better underwriting a different mix of policy type or something else im missing"  
[X Link](https://x.com/RileyE645/status/1737218465612656757)  2023-12-19T21:08Z [--] followers, [--] engagements


"@gleng2041 @penchantnb Interesting though that $LMND has had the least volatile LR through the worst Cat qtr due to RI and yet $All $Trv and $Pgr stock prices are at all time highs despite facing the same headwinds"  
[X Link](https://x.com/RileyE645/status/1750874088896188505)  2024-01-26T13:31Z [--] followers, [---] engagements


"@Nick_Lamparelli @AcabOthello @PaperBagInvest @Lemonade_Inc Nick I see [--] LR advantages: [--]. focusing on low LR LOBs like renters which is then target for Homeowner's rather than switch and save [--]. telematics every incumbent talks about it but nobody is meaningfully using full UBI on entire book. [--]. AI/ML/Cortex shown at investor day"  
[X Link](https://x.com/RileyE645/status/1753588064834728362)  2024-02-03T01:15Z [--] followers, [---] engagements


"@jeffroth77 @Nick_Lamparelli @AndersReiche @ArranGray9 I and most others have read each statement and letter posted since IPO. They don't post COR because their expense ratio is nowhere near optimized at their scale since all costs are front loaded. And last Q they started headlining bottom line as they approach profitability"  
[X Link](https://x.com/RileyE645/status/1754217558570394105)  2024-02-04T18:57Z [--] followers, [---] engagements


"@Nick_Lamparelli @jeffroth77 @AndersReiche @ArranGray9 Nick does that assume then that they never reach meaningful profitability where they could grow their capital surplus over time Trying to get to the heart of where we disagree"  
[X Link](https://x.com/RileyE645/status/1754261916774523076)  2024-02-04T21:53Z [--] followers, [--] engagements


"Maya at investor day "every dollar we spend we know is going to customers that will eventually get through our underwriting filters". Incumbents still send snail mail ads that go to places they wont even underwrite. Many efficiencies to be found https://youtu.be/R07iUh78gMQsi=cw2lkw7BfEPWCXjW&t=4098 https://youtu.be/R07iUh78gMQsi=cw2lkw7BfEPWCXjW&t=4098"  
[X Link](https://x.com/RileyE645/status/1760755110085349708)  2024-02-22T19:55Z [--] followers, [---] engagements


"@SteelbathOps @Neil_X10 @bjmtweets @Lemonade_Inc my take from an earlier call was that it got as high as [--] since they slowed growth and were only spending on best LTV's but wasn't to be expected go forward"  
[X Link](https://x.com/RileyE645/status/1762948238229856731)  2024-02-28T21:09Z [--] followers, [--] engagements


"@peterwhite82211 only MLS teams lasting in the premier league are the [--] created in the UNH MUB 2017"  
[X Link](https://x.com/RileyE645/status/1781045339400614106)  2024-04-18T19:41Z [--] followers, [--] engagements


"Anyone looking to understand the significance of telematics should read link below. -UBI score highly correlated with LR - traditional underwriting not correlated with UBI score Studies show LR improves [--] pts + better claims experience Think $LMND car will be huge success"  
[X Link](https://x.com/RileyE645/status/1804202308814725243)  2024-06-21T17:18Z [--] followers, [----] engagements


"@Bradleyflowers7 @RyanHanley_Com @iPROTECTinsured @Bradleyflowers7 @RyanHanley_Com curious if you guys have covered $root at all lately"  
[X Link](https://x.com/RileyE645/status/1831679731843936466)  2024-09-05T13:04Z [---] followers, [---] engagements


"$root is 3.8x cheaper on a P/S basis than the rest of the industry while already showing elite underwriting ability. Only thing missing is slightly more scale for ER to come down"  
[X Link](https://x.com/RileyE645/status/1834256637919379511)  2024-09-12T15:43Z [--] followers, [---] engagements


"@justfactstruth @andycyau would either of you be interested in creating a $root community there used to be one but i believe it got deleted. I see the same thing you guys do and would be nice to have a spot to share ideas/insights"  
[X Link](https://x.com/RileyE645/status/1856375186582565113)  2024-11-12T16:35Z [---] followers, [---] engagements


"@bjmtweets @andycyau @ArranGray9 @justfactstruth @STICKSAND1 as $LMND bulls we believe they will start growing car book (currently shrinking on a customer basis) as they expand their marketing. $Root has already proven they can grow this book significantly once priced properly and has stated plans to expand marketing using net profits"  
[X Link](https://x.com/RileyE645/status/1856418066059407847)  2024-11-12T19:25Z [--] followers, [---] engagements


"@bjmtweets @andycyau @justfactstruth @STICKSAND1 @ArranGray9 actually agree with you here brian key word being longterm. more bullish on lmnd longterm but the short term/valuation of $root is bonkers to me. trading at Q3 annualized [--] PE and would be [--] with new debt. 0.2% of auto market with best LR in industry tons of room to grow"  
[X Link](https://x.com/RileyE645/status/1856552035463700774)  2024-11-13T04:17Z [---] followers, [--] engagements


"@fallacyalarm that $root number becomes [--] if you account for the decreased interest expense going forward too"  
[X Link](https://x.com/RileyE645/status/1856767450026508671)  2024-11-13T18:33Z [---] followers, [---] engagements


"@Neil_X10 love seeing $lmnd employees agree and getting hyped too"  
[X Link](https://x.com/RileyE645/status/1857436215735181672)  2024-11-15T14:51Z [---] followers, [---] engagements


"@Nick_Lamparelli @PaperBagInvest @Nick_Lamparelli you complain about providing social value and then fault $lmnd for actually matching rate to risk for a customer rather than over charging"  
[X Link](https://x.com/RileyE645/status/1860535812401570090)  2024-11-24T04:07Z [---] followers, [---] engagements


"@Nick_Lamparelli @jojomonkey11 @KrishnaY152841 @PaperBagInvest a risk pool that is multiple times more segmented with others who barely drive. I'm assuming CMT is the partner lmnd mentioned in their ID that they used to partner with but no longer do. im sure youll hate this but their data shows more accurate pricing than legacy telematics"  
[X Link](https://x.com/RileyE645/status/1860809971794944271)  2024-11-24T22:17Z [---] followers, [--] engagements


"@andycyau Hey Andy - i havent looked into this much yet. Mind spelling out the benefits you re referring to"  
[X Link](https://x.com/RileyE645/status/1861046202080325898)  2024-11-25T13:56Z [---] followers, [--] engagements


"@bjmtweets this has much more to do with them doubling their book within a year and says almost nothing about their churn. If you want retention numbers they shared in their S1 and have said its improved since IPO"  
[X Link](https://x.com/RileyE645/status/1873193382706856333)  2024-12-29T02:24Z [--] followers, [---] engagements


"@bjmtweets they also grew PIF from 204K Q3 [----] to 407K a year later once they got their pricing right. wouldnt necessarily call that slow"  
[X Link](https://x.com/RileyE645/status/1873197443904655699)  2024-12-29T02:40Z [--] followers, [---] engagements


"@bjmtweets when their loss ratios were high and we had historic auto loss cost inflation they intentionally shrank - which is why i pointed out their growth was once pricing was adequate their Q3 P/E is currently lower than all incumbents despite 150% rev growth and best LR in industry"  
[X Link](https://x.com/RileyE645/status/1873201124339269952)  2024-12-29T02:55Z [--] followers, [---] engagements


"@bjmtweets yeah agreed some churn is healthy as they price out bad risks which we'd expect $lmnd to do with car as well. the question is if their segmentation is legitimate or not. if it is (which is my bet for many reasons) healthy retention numbers will follow"  
[X Link](https://x.com/RileyE645/status/1873215088905351332)  2024-12-29T03:50Z [--] followers, [---] engagements


"@bjmtweets @investing_exp why has $LMND car shrunk significantly over the past [--] years a similar reason $root shrunk for a couple years which you continue to ignore. with your logic we'd say $lmnd car is a failure (clearly not true) by focusing only on historic numbers with no context"  
[X Link](https://x.com/RileyE645/status/1873593875299999823)  2024-12-30T04:56Z [--] followers, [---] engagements


"@InformedByIan interesting the convo always goes back to $PGR and ignores rest of industry. lets just say PGR is untouchable if $LMND took just 1% from the rest of the industry their auto IFP would 27x"  
[X Link](https://x.com/RileyE645/status/1873758500993773952)  2024-12-30T15:50Z [--] followers, [---] engagements


"@InformedByIan I do own $root who has proven much of the bull thesis that $lmnd car will likely follow. Its extremely realistic to grab 1% when most of the industry is still just scratching the surface of telematics potential despite talking about it for the past decade"  
[X Link](https://x.com/RileyE645/status/1873767812797485378)  2024-12-30T16:27Z [--] followers, [---] engagements


"@bjmtweets @andycyau @ArranGray9 @justfactstruth @STICKSAND1 there is likely some increased churn after doubling business in a year which should subside. Also did you know that they still gained more IFP in those [--] Q's per marketing dollar spent than $LMND you dont hold $lmnd to the same standards you have for $root"  
[X Link](https://x.com/RileyE645/status/1876271595695845484)  2025-01-06T14:16Z [--] followers, [---] engagements


"@bjmtweets @andycyau @ArranGray9 @justfactstruth @STICKSAND1 i was referring to the [--] most recent Q's you called out as no growth. if you go back to once they got their pricing sorted out they've gained $753M in IFP spending just $144M in S&M. $LMND has never had that efficiency although they might as car cross sell ramps"  
[X Link](https://x.com/RileyE645/status/1876309018530238827)  2025-01-06T16:45Z [--] followers, [---] engagements


"@bjmtweets I feel like you're on the cusp of buying haha. Check out table below comparing $ROOT $ALL $TRV PIF changes even highlighting that last [--] Q's where root PIF flattened. Even with churn elevated theyre still outgrowing legacy and a lower multiple. Downside risk is so low"  
[X Link](https://x.com/RileyE645/status/1877715190231314775)  2025-01-10T13:52Z [--] followers, [---] engagements


"@bjmtweets BUT i believe retention will increase going forward based on the following - PIF maturing after hyper growth -Partnership growth which has higher retention -decreasing rate in some states -expanding marketing funnel -Continued model updates for improved segmentation"  
[X Link](https://x.com/RileyE645/status/1877715656860225766)  2025-01-10T13:54Z [--] followers, [--] engagements


"@AndersReiche @ssmith3088 [----] Sept YTD CA GWP was $171M (24.5% of book). [----] it was $101M (24.7%). I acknowledge that other lines are likely bringing most of that growth but its not like they just canceled 100% of the home business in 2022"  
[X Link](https://x.com/RileyE645/status/1877726156247507173)  2025-01-10T14:36Z [--] followers, [--] engagements


"@andycyau agreed - also seemed to have a lot of confidence in growing the book to feed the data flywheel. combine that with the PSU incentive for execs focusing on # policies written + Ebita in [----] i think we see significant growth ahead"  
[X Link](https://x.com/RileyE645/status/1879183341926437176)  2025-01-14T15:06Z [---] followers, [--] engagements


"@bjmtweets @andycyau in the US auto market "partners" is significantly larger than direct. that aside $root has already proven to be successful in both and will grow its lead in underwriting"  
[X Link](https://x.com/RileyE645/status/1884966568792031528)  2025-01-30T14:07Z [--] followers, [---] engagements


"@bjmtweets @andycyau Brian. state farm is the biggest US auto insurer and vast majority of their business is partners. And again even that aside $root direct business is growing significantly with best in class LR's"  
[X Link](https://x.com/RileyE645/status/1884970757614145575)  2025-01-30T14:23Z [--] followers, [---] engagements


"@bjmtweets "every part of root we're rebuilt the entire insurance value chain based on modern tech". but insurance at its core is matching rate to risk (which $root is dominating) and that should be every carrier's priority and other AI use cases should come after"  
[X Link](https://x.com/RileyE645/status/1885336857874993377)  2025-01-31T14:38Z [--] followers, [--] engagements


"@bjmtweets @bradsferguson between investor days and interviews Daniel has probably has had over [--] hours of screen time to talk about those things. Timm isn't nearly as public but that doesnt mean these things don't exsist at $root. screenshot below from first public conference call in 2020"  
[X Link](https://x.com/RileyE645/status/1885347747290657099)  2025-01-31T15:21Z [--] followers, [---] engagements


"@bjmtweets @bradsferguson i completely agree with that - but you're misleading people about $root by assuming that because he didn't talk about it in a [--] min interview that it doesn't exist at all"  
[X Link](https://x.com/RileyE645/status/1885357537106526354)  2025-01-31T16:00Z [--] followers, [---] engagements


"@TorpedoTrading @LongTermIn1025 you mean consensus from the [--] analysts that have been off by over 100% over the last [--] Q's they also just had a 3rd party actuarial consultant check their reserving and everything checked out"  
[X Link](https://x.com/RileyE645/status/1885358102007955660)  2025-01-31T16:02Z [--] followers, [--] engagements


"@TorpedoTrading have you actually modeled yourself or just trusting "analysts" $root trades at 13x Q3 annualized earnings and which will be growing in 2025"  
[X Link](https://x.com/RileyE645/status/1885393146399351112)  2025-01-31T18:22Z [--] followers, [---] engagements


"@LongTermIn1025 @TorpedoTrading my [----] EPS is about $7.50 using pretty conservative assumptions"  
[X Link](https://x.com/RileyE645/status/1885771286174937493)  2025-02-01T19:24Z [--] followers, [--] engagements


"@LongTermIn1025 @TorpedoTrading to each their own. my philosophy is finding the NPV (extremely high in this case) of a company using reverse DCF with a margin of safety and buying like crazy for the medium/long term. if the market brings it lower then ill buy even more at discount"  
[X Link](https://x.com/RileyE645/status/1886026577290375638)  2025-02-02T12:19Z [--] followers, [--] engagements


"@TorpedoTrading @LongTermIn1025 currently work at one of the largest P&C carriers and have been there my entire career in an analytics role so i can tell you the exact advantages/disadvantages of $root vs legacy. im not convinced you've even looked at their Q3 shareholder letter based on your posts"  
[X Link](https://x.com/RileyE645/status/1886037351123595544)  2025-02-02T13:02Z [--] followers, [---] engagements


"@TorpedoTrading @LongTermIn1025 so your entire short thesis is based on guessing theres inadequate reserving even though theyve been in business for [--] years with no history of meaningful PPD and a recent 3rd party actuarial audit that showed correct reserve practices"  
[X Link](https://x.com/RileyE645/status/1886108120256033002)  2025-02-02T17:43Z [--] followers, [--] engagements


"@TorpedoTrading @LongTermIn1025 run the #'s yourself instead of trusting the [--] analysts. im using extremely modest growth and actually assuming LR goes slightly higher and still get to $7-8 [----] EPS. its currently cheaper than $PGR on metrics i care about with way more room to grow the bottom line"  
[X Link](https://x.com/RileyE645/status/1886236002445840406)  2025-02-03T02:11Z [--] followers, [--] engagements


"seeing a lot more reviews about non-renewals with $LMND in the past few days some due to wildfire risk. Something to keep in mind modeling [----] IFP"  
[X Link](https://x.com/RileyE645/status/1887195482331521377)  2025-02-05T17:44Z [--] followers, [----] engagements


"@Fine_Ants its all about segmenting risk with available info. It will miss the nuance of slamming brake for the correct reason but if you have someone slamming brakes 3x more than another you can predict more accidents. it is far more predictive than legacy rating variables. PGR:"  
[X Link](https://x.com/RileyE645/status/1888981301937541208)  2025-02-10T16:00Z [--] followers, [---] engagements


"@Fine_Ants btw you can see the results in action with a company like $root who has seen massive success using it at a much higher rate than legacy"  
[X Link](https://x.com/RileyE645/status/1888983600332153104)  2025-02-10T16:09Z [--] followers, [--] engagements


"@Leinad7331 @ArranGray9 Milton hit Florida which $LMND doesnt even write and flood insurance is usually separate. The fires were much more severe for the insurance industry and CA is 20% of $LMND book"  
[X Link](https://x.com/RileyE645/status/1889771419153707105)  2025-02-12T20:19Z [--] followers, [---] engagements


"@bjmtweets seems more likely they'd be focused and concerned about $root who had a lower CR than $all over the past [--] quarters despite smaller scale and a lower LAE than both $all and $lmnd"  
[X Link](https://x.com/RileyE645/status/1895100332885102931)  2025-02-27T13:15Z [--] followers, [---] engagements


"@forwardcap @MMMTwealth absolutely not to mention $root did this with a massive new business penalty and best in class LAE as well. much more impressive"  
[X Link](https://x.com/RileyE645/status/1896704511357698407)  2025-03-03T23:29Z [--] followers, [---] engagements


"2 most recent trustpilot reviews - they'll figure out auto eventually but still seems like some serious kinks to iron out near term"  
[X Link](https://x.com/RileyE645/status/1897281499948527768)  2025-03-05T13:42Z [--] followers, [----] engagements


"@moatless i dont need them to hit the [----] YoY PIF growth numbers but i think it could happen in [----] if tarrifs raise loss costs and $root responds quicker than industry like last time. But even 20% growth is completely fine with me based on current multiples and op leverage"  
[X Link](https://x.com/RileyE645/status/1897691053555089840)  2025-03-06T16:49Z [--] followers, [--] engagements


"@MeadowCapital actually think the tarrifs would be great for $root - they react and get rates approved much quicker than industry and could grow substantially higher while others catch up"  
[X Link](https://x.com/RileyE645/status/1897712427778613450)  2025-03-06T18:14Z [--] followers, [---] engagements


"@bjmtweets price will matter even more in a recession - $root is 12% cheaper than $LMND car and is planning to lower rates in many states. Daniel mentioned an additional 50-150% conversion for every 10% discount"  
[X Link](https://x.com/RileyE645/status/1900166180100272589)  2025-03-13T12:44Z [--] followers, [---] engagements


"@bjmtweets we're not talking about air Jordans where demand drops - this is car insurance which everyone already has and will be looking to switch as money gets tighter. If legacy pulls back ad spend $root will be even more aggressive like [----] H2"  
[X Link](https://x.com/RileyE645/status/1900211359901532276)  2025-03-13T15:44Z [--] followers, [---] engagements


"@MarkPaddey my thoughts as well. ZestyAI seems to be doing what $lmnd was trying to get at in their [----] investor day"  
[X Link](https://x.com/RileyE645/status/1900278099322745292)  2025-03-13T20:09Z [--] followers, [---] engagements


"@BagelC47 i wouldn't bank on that especially for Q1. Now that theyre profitable they're focusing on reaccelerating growth which is showing up in the charts. wild to me how many $lmnd bulls continue to ignore this company"  
[X Link](https://x.com/RileyE645/status/1900521743589982689)  2025-03-14T12:17Z [--] followers, [---] engagements


"@bjmtweets going to need quite a few marshmallows down the road to make it worth waiting for. $root investors are enjoying gains now with a similar (if not larger) current gap to NPV"  
[X Link](https://x.com/RileyE645/status/1900591113385197985)  2025-03-14T16:53Z [--] followers, [---] engagements


"@bjmtweets in your investing approach do you consider valuation at all or solely base it off of things like C suite/potential growth etc genuine question btw"  
[X Link](https://x.com/RileyE645/status/1900595728801489082)  2025-03-14T17:11Z [--] followers, [---] engagements


"@bjmtweets id be very surprised if you went out [--] years and did reverse DCF if you found $LMND to be a much better value than $root today. anything beyond [--] years you run into a lot of uncertainty of what the car insurance market starts to look like imo"  
[X Link](https://x.com/RileyE645/status/1900599481327858034)  2025-03-14T17:26Z [--] followers, [---] engagements


"@bjmtweets because the industry they are trying to disrupt will look much different in [--] years with overall TAM potentially decreasing significantly. Thats an additional risk im avoiding by focusing on medium term rather than [--] years"  
[X Link](https://x.com/RileyE645/status/1900603893190717930)  2025-03-14T17:44Z [--] followers, [---] engagements


"@3Things10 for $LMND same story of most seeing high ER as inefficiency rather than vital early investments. for $root im not a fan of the 3Q view vs $PGR. YoY PIF grew the exact same as $PGR with better margin proving telematics advantage over industry and possibly over $PGR"  
[X Link](https://x.com/RileyE645/status/1902800469027594398)  2025-03-20T19:12Z [--] followers, [---] engagements


"@JeffreyYinShen confused by your takeaway - does the data not show $root increasing in Q1 [----] and $lmnd decreasing"  
[X Link](https://x.com/RileyE645/status/1904001244315734496)  2025-03-24T02:44Z [--] followers, [---] engagements


"@bjmtweets definitely interested to see how this progresses for $lmnd car ramp (for $root i prefer tracking actual app downloads) - also worth noting the "tie" is only [---] days of data"  
[X Link](https://x.com/RileyE645/status/1904622611482488896)  2025-03-25T19:53Z [--] followers, [---] engagements


"Tariffs: automation and agility allow $root and $lmnd to respond faster to loss costs. Below is $root CEO on tariff impact and how they were able to grow PIF 100% BECAUSE of the high inflation environment and the market dynamics that it presents. Chaos creates opportunity"  
[X Link](https://x.com/RileyE645/status/1905266930086220159)  2025-03-27T14:33Z [--] followers, [----] engagements


"@andycyau @JeffreyYinShen agreed - below is $root CEO discussing implications https://x.com/RileyE645/status/1905266930086220159 Tariffs: automation and agility allow $root and $lmnd to respond faster to loss costs. Below is $root CEO on tariff impact and how they were able to grow PIF 100% BECAUSE of the high inflation environment and the market dynamics that it presents. Chaos creates opportunity https://t.co/SqAzM57F5T https://x.com/RileyE645/status/1905266930086220159 Tariffs: automation and agility allow $root and $lmnd to respond faster to loss costs. Below is $root CEO on tariff impact"  
[X Link](https://x.com/RileyE645/status/1905602608015827013)  2025-03-28T12:47Z [--] followers, [---] engagements


"@marcvidal_6 i agree with the logic you might be interested in $root as well. roughly 12% PPC lower than $lmnd for auto and has telegraphed increasing marketing as the rest of industry pulls back. trading about a [--] fwd PE with massive growth opportunities ahead"  
[X Link](https://x.com/RileyE645/status/1910009419426824391)  2025-04-09T16:38Z [--] followers, [--] engagements


"@Leinad7331 @PaperBagInvest @HolySmokas agreed PBI Daniel - have you modeled out financial implications of robotaxi even if you use a probabilistic approach and use conservative numbers the NPV is extremely high. Not to mention we're seeing hard evidence of it working and plans to launch in 5-9 weeks"  
[X Link](https://x.com/RileyE645/status/1915378085941162151)  2025-04-24T12:11Z [--] followers, [--] engagements


"@forwardcap @andycyau could be wrong but there are some clues: [--]. $cvna shelf offering in feb [--]. earnings reporting same day [--]. in Q1 $root hit the 1st strike price [--]. only [--] mo's away [--]. the NPV is well ITM and $CVNA likely sees this even more clearly than we do @andycyau anything else"  
[X Link](https://x.com/RileyE645/status/1917955804809847170)  2025-05-01T14:54Z [---] followers, [---] engagements


"@BagelC47 @andycyau 10% PIF growth QoQ is extremely high even in an optimal Q. $PGR gets a high multiple for growing faster than industry and was 4% citing the same Q1 favorability"  
[X Link](https://x.com/RileyE645/status/1920315831839314279)  2025-05-08T03:12Z [---] followers, [--] engagements


"@IAMinifan @BagelC47 higher churn is to be expected with the massive pockets of growth. other carriers dont experience it as much because they arent doubling their PIF in a year or increasing 10% QoQ like $root just did"  
[X Link](https://x.com/RileyE645/status/1920456979220209866)  2025-05-08T12:33Z [---] followers, [--] engagements


"@andycyau great option for both growth and value investors. PEG for [----] around [---] compared to industry avg of about [---] with massive room to grow for decades"  
[X Link](https://x.com/RileyE645/status/1923370439415390577)  2025-05-16T13:30Z [---] followers, [--] engagements


"$Root and $PGR only auto carriers growing PIF YoY while consumer shopping increases. Gaining market share in a high shopping periods is a great leading indicator of future growth"  
[X Link](https://x.com/RileyE645/status/1923470176663584927)  2025-05-16T20:06Z [---] followers, [----] engagements


"happy to be balancing back to $lmnd after leaning heavily into $root in Dec. I view these as roughly equal long-term upside after $root's run and think both will be major winners. $3B of untapped car IFP from existing customers combined with proven op levg is a golden setup"  
[X Link](https://x.com/RileyE645/status/1924825325885587947)  2025-05-20T13:51Z [---] followers, [---] engagements


"@alikahil @andycyau what do you guys think would be a reasonable price they'd sell at if it came to it"  
[X Link](https://x.com/RileyE645/status/1925311183420076511)  2025-05-21T22:02Z [---] followers, [--] engagements


"@alikahil @andycyau seems like they would do it before the 9/1/2025 warrants no else $CVNA has to take a huge loss on their income statement for the worthless warrants that they've been counting"  
[X Link](https://x.com/RileyE645/status/1925348538990399656)  2025-05-22T00:30Z [---] followers, [--] engagements


"@_equityXplorer interesting data mind sharing the approximate price difference"  
[X Link](https://x.com/RileyE645/status/1927808695909384407)  2025-05-28T19:26Z [---] followers, [---] engagements


"article on $lmnd car that has data i hadnt seen before requires free login. TLDR: WS needs to see it to believe it. Tremendous alpha if you believe continuous telematics and a modern tech stack will eventually lead to accurate pricing https://www.pandcspecialist.com/c/4873484/664364referrer_module=dashLatestNews&module_order=1 https://www.pandcspecialist.com/c/4873484/664364referrer_module=dashLatestNews&module_order=1"  
[X Link](https://x.com/RileyE645/status/1928470273856020561)  2025-05-30T15:15Z [---] followers, [----] engagements


"it would only take one robust piece of data to convince WS and then we'd be off to the races. Long term i dont see how pricing groups of customers using credit score on an ancient tech stack will overperform $lmnd and $root pricing the exact driving habits with much lower LAE"  
[X Link](https://x.com/RileyE645/status/1928477475052429403)  2025-05-30T15:43Z [---] followers, [---] engagements


"@andycyau assuming he cant dump into root to move the stock toward warrants"  
[X Link](https://x.com/RileyE645/status/1928603965794435492)  2025-05-31T00:06Z [---] followers, [--] engagements


"still love $LMND long term but we're back to an imbalance between them and $root. $LMND would need to grow IFP 50% for [--] years to have the same P/IFP as $root growing just 20% a year. I think $root has another solid beat today with analysts forced to acknowledge elite UW"  
[X Link](https://x.com/RileyE645/status/1953181273486176719)  2025-08-06T19:47Z [---] followers, [----] engagements


"@bjmtweets there have only been a few times over the last few years ive seen what i believe are no brainer entry points. $lmnd around $15 $tsla around $120 $root at $75 earlier this year and now $root here at $90 after continued execution and clear growth/op leverage ahead"  
[X Link](https://x.com/RileyE645/status/1953544130430189955)  2025-08-07T19:49Z [---] followers, [----] engagements


"@bjmtweets not much of a TA guy personally i just see current valuations where $root could keep IFP flat for [--] years while $lmnd grows 30%/year and $root would still be cheaper P/IFP. If $root grows just 15% $lmnd would need 50% cagr to match"  
[X Link](https://x.com/RileyE645/status/1953834447712682412)  2025-08-08T15:03Z [---] followers, [---] engagements


"@StockMarketNerd @MMoney642 agreed brad and i love both companies but after the recent price action $root could stay flat for [--] years and $lmnd would need to grow 30% for [--] years for their P/IFP's to match. would recommend checking at $root as a discounted option with similar bull thesis to $lmnd"  
[X Link](https://x.com/RileyE645/status/1954397780748673294)  2025-08-10T04:21Z [---] followers, [---] engagements


"@Leinad7331 @StockMarketNerd @MMoney642 i go [--] years out and have $root NPV at $449 and $lmnd at $86 both fairly conservative assumptions to get there IMO. Roots IFP is much more profitable so this benefits them even more than P/IFP"  
[X Link](https://x.com/RileyE645/status/1954589148033192214)  2025-08-10T17:02Z [---] followers, [---] engagements


"@StockMarketNerd @MMoney642 at [--] PE im not sure $root requires high growth but i think they'll have it anyways. [--] yr IFP cagr is 70% but theyve intentionally slowed recently as the market has softened. will eventually cycle again and they'll ramp not to mention consistent/rapid partnership growth"  
[X Link](https://x.com/RileyE645/status/1954590268830662677)  2025-08-10T17:06Z [---] followers, [---] engagements


"@StockMarketNerd @MMoney642 the last [--] Qs analysts have been off by an avg of 1160% haha. Because $root doesnt guide and there are only a couple analysts its almost useless looking at their numbers and it also creates alpha imo. $lmnd much more predictable and understood by the market"  
[X Link](https://x.com/RileyE645/status/1954591953406017631)  2025-08-10T17:13Z [---] followers, [---] engagements


"@Leinad7331 @StockMarketNerd @MMoney642 the auto insurance marketplace is going to change tremendously with AVs and i think the longer you go out past [--] years the more exponentially uncertain predictions become"  
[X Link](https://x.com/RileyE645/status/1954687415471231451)  2025-08-10T23:32Z [---] followers, [--] engagements


"overly simplistic valuation of $root partnership channel alone: Q2 NI annualized: 38.7M (44% of total NI) YoY growth: 191% PE: [--] (PEG of just 0.26) Market cap: 1.9B or 40% upside"  
[X Link](https://x.com/RileyE645/status/1954995075391643693)  2025-08-11T19:55Z [---] followers, [----] engagements


"@Neil_X10 this is surprising - to invest in $lmnd we have to have a level of belief of car coming to fruition which hasnt materially hit financials yet. my math has robotaxi/optimus upside about 8x higher than $lmnd upside at current prices"  
[X Link](https://x.com/RileyE645/status/1955775957916082407)  2025-08-13T23:38Z [---] followers, [---] engagements


"@ShadyJosh5 @Neil_X10 agreed - then add in optimus and the numbers get even crazier"  
[X Link](https://x.com/RileyE645/status/1956024842488074435)  2025-08-14T16:07Z [---] followers, [--] engagements


"wild that even the laughably pessimistic $root analysts who over last [--] Q's predicted [----] eps compared to actual of +5.1 eps have a price target of $137 or 55% upside"  
[X Link](https://x.com/RileyE645/status/1956036306363888075)  2025-08-14T16:52Z [---] followers, [---] engagements


"@Ironic_Ape @bjmtweets where is $root's acquisition challenge look at IFP gained since end of [----] compared to S&M: $root gained $499M and spent $224 compared to $lmnd gaining $336 spending $270"  
[X Link](https://x.com/RileyE645/status/1956780434928320891)  2025-08-16T18:09Z [---] followers, [---] engagements


"@Ironic_Ape @bjmtweets @HenryInvests used to own but sold for $lmnd and $root a while back. any catalysts coming up rest of the year"  
[X Link](https://x.com/RileyE645/status/1957878134365213072)  2025-08-19T18:51Z [---] followers, [---] engagements


"$root bull thesis in a nutshell. I initially missed the detail from Q2 call that the prior pricing algo was shipping end of '24 meaning this latest 20% LTV lift was shipped just [--] mos later. Imagine as the flywheel continues to spin with more data more algo iterations"  
[X Link](https://x.com/RileyE645/status/1963243414347985270)  2025-09-03T14:11Z [---] followers, [----] engagements


"@jakebrowatzke @bradsferguson have you made a deep dive vid on $path yet"  
[X Link](https://x.com/RileyE645/status/1967936455537463582)  2025-09-16T12:59Z [---] followers, [--] engagements


"@howtoinvest_jb great vid - love the spreadsheet setup. You guys should consider adding $root to your list you clearly see the insurtech upside with $LMND but $root trades much cheaper currently and has a distinct distribution approach"  
[X Link](https://x.com/RileyE645/status/1968768530557395307)  2025-09-18T20:06Z [---] followers, [---] engagements


"Many new $root job posting on LinkedIn this week mostly data scientists and analysts. [--] larger roles posted are Chief of Staff to the CEO and VP of Engineering. Good indicator overall for where they are investing in H2"  
[X Link](https://x.com/RileyE645/status/1970942249652703730)  2025-09-24T20:03Z [---] followers, [---] engagements


"@SingularityRes @andycyau i dont think its a bear case at all - would drastically reduce risk and $root would be one of the carriers lean enough and small enough to actually price accordingly and take market share. Legacy however could really struggle. check this out https://youtu.be/xLPGc2-tDgssi=2b_Dz7RoDYwvicX0&t=2040 https://youtu.be/xLPGc2-tDgssi=2b_Dz7RoDYwvicX0&t=2040"  
[X Link](https://x.com/RileyE645/status/1973363348046762062)  2025-10-01T12:24Z [---] followers, [---] engagements


"@Ironic_Ape @andycyau seems like apples and oranges in a couple ways: comparing ADR at $lmnd to policy retention at $root. Also comparing property/pet (higher retention lines) to auto only $root. Would be interesting to know policy retention of $lmnd car to compare"  
[X Link](https://x.com/RileyE645/status/1975554258193031180)  2025-10-07T13:30Z [---] followers, [---] engagements


"@bj23air @Gfilche @grok @Jfilche $root IFP could stay flat for [--] years and $lmnd would need to grow IFP 35% annually just to have the same P/IFP. meanwhile there is a chance $root partnership channel alone could grow to be a similar size to lemonades total book"  
[X Link](https://x.com/RileyE645/status/1975558449967911230)  2025-10-07T13:46Z [---] followers, [---] engagements


"50% upside to get back to where we were pre earnings. since then $root: - beat EPS est by 450% - launched new pricing model boosting LTV 20% -launched a top [--] population state - joined [--] largest raters for IAs - had a benign Q3 weather season"  
[X Link](https://x.com/RileyE645/status/1975592200042881429)  2025-10-07T16:00Z [---] followers, [----] engagements


"analyst laziness creates alpha. Wells Fargo upgrades $root to $120 after earnings and today decides to follow price action to lower to $89. The below estimate vs actuals speaks for itself"  
[X Link](https://x.com/RileyE645/status/1975977328439328826)  2025-10-08T17:31Z [---] followers, [----] engagements


"@Nick_Lamparelli not sure about $lmnd but with how cheap $root has become to match $nvda [--] year return it would mean a 17B company which doesn't seem that crazy to me with solid execution for 5-10 years"  
[X Link](https://x.com/RileyE645/status/1976365543922991567)  2025-10-09T19:13Z [---] followers, [---] engagements


"@CycloneInvest @mattscottcap one reason i love $root and $lmnd is because their business models aim to oppose that. instead of profiting off good drivers to subsidize bad ones everyone pays according to their own risk"  
[X Link](https://x.com/RileyE645/status/1978464839103041604)  2025-10-15T14:15Z [---] followers, [---] engagements


"$all insights on CA fires. $2B gross losses $1.1B net of reinsurance which would add about [--] pts onto their Q1 LR. They stopped writing CA home in [----] and had been de-risking in a similar manner to $LMND"  
[X Link](https://x.com/RileyE645/status/1887590887590371363)  2025-02-06T19:55Z [--] followers, [----] engagements


"@Anchor_Invest @DumbMoneyTV do think others are fearful with this name at the moment stock is up 100% since last earnings call"  
[X Link](https://x.com/RileyE645/status/1890463659500978457)  2025-02-14T18:10Z [--] followers, [---] engagements


"@Anchor_Invest appreciate the analysis here but i see meaningful flaws in both #5 and #7 #5: to adjust for line of business you also have to look at the other carriers % property. for example $all only has 15% of their CA book in homeowners meaning for $LMND you need to adjust much higher"  
[X Link](https://x.com/RileyE645/status/1892566458233737601)  2025-02-20T13:26Z [--] followers, [---] engagements


"my hypothesis is that the LA wildfires are providing data to the LTV AI and the severity of fires is now being accounted for making homes that were green [--] months ago now red"  
[X Link](https://x.com/RileyE645/status/1892596911615402097)  2025-02-20T15:27Z [--] followers, [--] engagements


"home non renewals dont seem to be slowing this one in CO my hypothesis is that the LA wildfires are providing data to the LTV AI and the severity of fires is now being accounted for making homes that were green just [--] months ago now red"  
[X Link](https://x.com/RileyE645/status/1892597314306380020)  2025-02-20T15:28Z [--] followers, [----] engagements


"@alejandrobatiz6 @Leinad7331 curious your prompt haha i gave it basic context of 1.9M renters CA=23% 45K max covg what lmnd covers etc. and it estimated $219M. it assumed avg claim of 10k 20% of renters claiming"  
[X Link](https://x.com/RileyE645/status/1892761123620786201)  2025-02-21T02:19Z [--] followers, [--] engagements


"@Neil_X10 @alejandrobatiz6 agreed overall - the setup is just completely nonsensical to me with estimates seemingly ignoring one of the most costly insurance events that happens to be in $LMND's highest volume area impacting their highest weighted lines of business"  
[X Link](https://x.com/RileyE645/status/1893004491999330516)  2025-02-21T18:26Z [--] followers, [--] engagements


"@anthonyisonline not sure about $LMND but i know $root is in conversations with the major gig economy brands for potential partnerships in [----] and beyond"  
[X Link](https://x.com/RileyE645/status/1894054309983146198)  2025-02-24T15:58Z [--] followers, [---] engagements


"where are my $root technical gurus with some insights on key levels here @andycyau @sunxliao @bjmtweets @KabraxFX"  
[X Link](https://x.com/RileyE645/status/1965071953217417384)  2025-09-08T15:17Z [---] followers, [---] engagements


"since [----] $root market cap dropped from 3.65B to 1.25B. In that time it: - 3x IFP - Halved LR from 114% to mid 60's -refined pricing models -launched partnership channel now growing 300% YoY - Miles driven from 14B to 32B"  
[X Link](https://x.com/RileyE645/status/1976291785056891129)  2025-10-09T14:20Z [---] followers, [----] engagements


"$PGR just reported September results and the auto Q3 LR is [--] pts LOWER than Q2 and almost [--] pts lower than Q3 [----]. Worth noting that $root may not get that same incremental benefit on the LR since they havent been taking rate"  
[X Link](https://x.com/RileyE645/status/1978438651877917092)  2025-10-15T12:31Z [---] followers, [----] engagements


"@mattscottcap crazy enough the EPS was actually because they were too profitable 😂 They had to give back $950M to policyholders in FL. The loss trends they posted within Q3 are bullish for both $root and $lmnd though"  
[X Link](https://x.com/RileyE645/status/1978458390780080268)  2025-10-15T13:50Z [---] followers, [---] engagements


"all signs pointing to a very strong Q3 LR driven by lowered losses within home. [--] pt improvement both YoY and QoQ for $trv"  
[X Link](https://x.com/RileyE645/status/1978816320356438310)  2025-10-16T13:32Z [---] followers, [----] engagements


"@KabraxFX would love to see how much effort and DD gets put in by analysts on a company as small as $root. Either way it creates a massive opportunity to load up before they finally catch on. cant believe TTM est were [----] vs +5.1 actual and even they think its worth $125 right now"  
[X Link](https://x.com/RileyE645/status/1978904370579218788)  2025-10-16T19:22Z [---] followers, [---] engagements


"@my_X_trades been in $root since jan [----] and is currently by biggest position. happy to answer any questions on the name. out of curiosity what dealership/make was it"  
[X Link](https://x.com/RileyE645/status/1979177834523353313)  2025-10-17T13:29Z [---] followers, [---] engagements


"@my_X_trades if im a good driver i'd choose $root because they'll price me based on my actual driving risk rather than lumping me with other people in my demographic. if im a bad driver i wouldnt choose $root because again they'll price me based on my risk and I'll be surcharged"  
[X Link](https://x.com/RileyE645/status/1979202811234508819)  2025-10-17T15:08Z [---] followers, [---] engagements


"New position posted: Senior Director of IA's. Job description states IA vertical has line of sight to $1B+. Anyone done the work to estimate the current size of IA's within $root"  
[X Link](https://x.com/RileyE645/status/1980620379400909000)  2025-10-21T13:01Z [---] followers, [----] engagements


"@realroseceline PIF is up 12% YoY with $root and $pgr the only players growing at all in that period. Looking backward isnt as doom and gloom as most claim and i think looking forward we'll see higher PIF growth"  
[X Link](https://x.com/RileyE645/status/1980705490444161050)  2025-10-21T18:39Z [---] followers, [---] engagements


"@Armin_Hartl if you apply geico's expense ratio and leave everything else the same $root is trading at 3.3x earnings 😂 geico is best in class with efficiency and it will take some time but being built on modern tech will lead to similar figures"  
[X Link](https://x.com/RileyE645/status/1981053671564857823)  2025-10-22T17:42Z [---] followers, [---] engagements


"@eliasmrtnz1 @SantoroSystems those [--] are during robotaxi specific rides or just while using FSD the 1.25M miles came from the earnings call where they mentioned doing 1M in bay area and .25M in Austin"  
[X Link](https://x.com/RileyE645/status/1981861411119866195)  2025-10-24T23:12Z [---] followers, [--] engagements


"@mattscottcap its easy to assume $lmnd is the only one building efficiencies because they talk about it meanwhile $root is basically double the IFP/headcount ratio of $lmnd and already ahead of massive legacy and improving as they grow"  
[X Link](https://x.com/RileyE645/status/1982249982364139926)  2025-10-26T00:56Z [---] followers, [---] engagements


"@JacksonMatysik @mattscottcap i could go both ways on that. if they spoon feed you the story then you pay a premium in the stock because everyone knows about it. If theyre a bit quieter like $root there is more alpha once you do your homework"  
[X Link](https://x.com/RileyE645/status/1982787279115395564)  2025-10-27T12:31Z [---] followers, [---] engagements


"@Armin_Hartl thanks for sharing article. massive difference between "using" UBI and giving small discounts like legacy does and actually pricing heavily based on UBI. Legacy is disincentivized to cut prices in half for good drivers because they have massive customer base already"  
[X Link](https://x.com/RileyE645/status/1982867335653528053)  2025-10-27T17:49Z [---] followers, [--] engagements


"@Armin_Hartl root and lmnd have both talked about this quite a bit. Timm has mentioned how snapshot (PGR) doesnt surcharge or discount nearly enough and Daniel gives somewhat of an overview here https://youtu.be/eNMB4a3_H9osi=ZYE80bN4KqAojMLb&t=1249 https://youtu.be/eNMB4a3_H9osi=ZYE80bN4KqAojMLb&t=1249"  
[X Link](https://x.com/RileyE645/status/1982867588368740413)  2025-10-27T17:50Z [---] followers, [--] engagements


"if you've been following $root for a while you'll notice this is a major tone change from Timm. From "if competition comes you'll see us pull back" to "we're growing regardless of the environment""  
[X Link](https://x.com/RileyE645/status/1986451103836258808)  2025-11-06T15:10Z [---] followers, [----] engagements


"as the auto insurance market increased over the last year or so $root showed serious strength. In Q3 they said they plan to accelerate growth in direct channel even through increased competition. With embedded direct and now IA's all firing we're in for a fun ride"  
[X Link](https://x.com/RileyE645/status/1987891612890898812)  2025-11-10T14:34Z [---] followers, [----] engagements


"@jakebrowatzke love the insight Jake re: $root - difficult to see $lmnd as competition when the auto market is $350B. more than enough room for both. Also seems like $lmnd has similar risk regarding robotaxis. both should crush as roads become safer and risk drops during transition period"  
[X Link](https://x.com/RileyE645/status/1987919145158295865)  2025-11-10T16:23Z [---] followers, [---] engagements


"@AndersReiche pricing in perfection with this method imo. hard to have any margin of safety when you jack up managements own expectations and assume a pretty aggressive multiple. current markets hitting AT highs and giving $root a [--] multiple despite topline tripling in [--] years"  
[X Link](https://x.com/RileyE645/status/1988603481150959716)  2025-11-12T13:43Z [---] followers, [---] engagements


"@AndersReiche $root tripled topline and brought net margin from -40% to positive in [--] years that's execution beyond what $lmnd is even guiding for. my question is what has changed specifically since ID2 that completely caught mgmt by surprise to extend their projected growth/margin"  
[X Link](https://x.com/RileyE645/status/1988610684016583100)  2025-11-12T14:11Z [---] followers, [---] engagements


"@AndersReiche the only reason i brought up $root was to show that multiples might not play out as expected even after insane execution. just have a hard time believing they did a full [---] hr ID on how bullish Car is and now [--] mo's later their perspective has changed enough to double the NPV"  
[X Link](https://x.com/RileyE645/status/1988616587897692465)  2025-11-12T14:35Z [---] followers, [---] engagements


"Interesting comparing $CVNA units sold with $root embedded GWP. The partnership xIA channel (assuming most of this is carvana) is up 67% YoY while $cvna units sold was up 44%. This implies either higher take rate of $cvna or additional growth levers within that specific book"  
[X Link](https://x.com/RileyE645/status/1988617392600092955)  2025-11-12T14:38Z [---] followers, [---] engagements


"@AndersReiche @Leinad7331 here is the nov [----] expectations (using numbers from Q1 [----] but adding in the $20M adjustment that came after) vs the most recent [----] guidance. FWIW i still hold shares I just think its important to consider mgmts valuation vs the NPV's im seeing today"  
[X Link](https://x.com/RileyE645/status/1988636510493553147)  2025-11-12T15:54Z [---] followers, [--] engagements


"@Leinad7331 @AndersReiche my friend you really think a $40M hit to a $500M balance sheet is a positive it objectively lowers the value of the company. The exercise mgmt did in valuing the company is ALSO forward looking going fwd [--] years. since then IFP exp is up 1.2% and ebita is 12M lower"  
[X Link](https://x.com/RileyE645/status/1988641338091548731)  2025-11-12T16:13Z [---] followers, [--] engagements


"@Leinad7331 @AndersReiche closer to $40M - $29 net based on Q1 [----] letter and last [--] Q's the CAT PPD has increased from CA fire adjustments. Performance vs the $100M "expected" means nothing the fact is they took a $40M haircut that they werent expecting in Nov"  
[X Link](https://x.com/RileyE645/status/1988644692817477747)  2025-11-12T16:26Z [---] followers, [--] engagements


"if $root reaches industry avg margin we're looking about a look-through PE of [--]. Ask yourself whether you think the growth will be high enough to justify a [--] PE. Next consider the likelihood of better than avg margins being built on modern systems no technical debt etc"  
[X Link](https://x.com/RileyE645/status/1991231146693198216)  2025-11-19T19:44Z [---] followers, [----] engagements


"@CedarStResearch where do you land with $root at these prices"  
[X Link](https://x.com/RileyE645/status/1991532836898345286)  2025-11-20T15:43Z [---] followers, [---] engagements


"@KabraxFX agreed but someone in the retail community needs to land an interview with Timm to bridge this gap to next earnings call haha"  
[X Link](https://x.com/RileyE645/status/1991534555195662624)  2025-11-20T15:50Z [---] followers, [--] engagements


"@CedarStResearch regarding $root i have such a hard time seeing [----] EPS anywhere near [----] considering their TTM EPS was over $5 before the $cvna expense"  
[X Link](https://x.com/RileyE645/status/1995925128337928555)  2025-12-02T18:36Z [---] followers, [---] engagements


"nice article from @coverager today. The landing page discussed appears to be new - has anyone seen it before https://coverager.com/progress-in-the-hyundai-root-partnership/ https://coverager.com/progress-in-the-hyundai-root-partnership/"  
[X Link](https://x.com/RileyE645/status/1996986483446521927)  2025-12-05T16:54Z [---] followers, [---] engagements


"@shai_wininger @jakebrowatzke sounds very familiar $path"  
[X Link](https://x.com/RileyE645/status/1998819214077943966)  2025-12-10T18:16Z [---] followers, [---] engagements


"on one side you have wall street predicting $root growing 6% next year. on the other the new CISO is posting about rapid growth and the CEO is talking about massive partnership channel growth and leaning back into direct. I know who I'm betting on"  
[X Link](https://x.com/RileyE645/status/1999533430074114240)  2025-12-12T17:34Z [---] followers, [----] engagements


"new job posting for $root with a nice nugget. 7+ states added within the next [--] mo's"  
[X Link](https://x.com/RileyE645/status/2001720874236350737)  2025-12-18T18:27Z [---] followers, [----] engagements


"Last year at this time $root was essentially at the same price and doubled in the following [--] months. Short interest then was 1.6M compared to 2.3M now. IFP is now higher more agents/partners have been added pricing models improved etc etc"  
[X Link](https://x.com/RileyE645/status/2006020948449706033)  2025-12-30T15:13Z [---] followers, [----] engagements


"@bjmtweets the less interviews/spoon fed analysis the more alpha available especially early on. as companies mature the numbers speak for themselves a bit more"  
[X Link](https://x.com/RileyE645/status/2006481819206823953)  2025-12-31T21:45Z [---] followers, [--] engagements


"recent survey asked agents to define the most important elements in choosing a carrier. Superior product and technology were [--] of the top [--]. If the trend continues of IA's writing double digit business through $root due to ease of use the growth will be incredible"  
[X Link](https://x.com/RileyE645/status/2007095884815929781)  2026-01-02T14:25Z [---] followers, [----] engagements


"Pulled historical PPD adjustments using GRL and Acc Per GRL and saw a clear trend. [--] of the [--] Q4's had a favorable adjustment in Q4 and recently they're enough to smooth out the Q4 LR uptick. IF $root has a similar YE adjustment this Q4 its about a $15M swing of net income"  
[X Link](https://x.com/RileyE645/status/2009001579207381263)  2026-01-07T20:37Z [---] followers, [----] engagements


"@KabraxFX i think $root has breakout session at 10:30 EST as well and again in the afternoon"  
[X Link](https://x.com/RileyE645/status/2010734123053404550)  2026-01-12T15:22Z [---] followers, [---] engagements


"my biggest takeaways from $root ICR: -cvna partnership remains EXCLUSIVE (squashes worries of geico article) - working with additional OEMs new big partners under contract hyundai: seeing really strong growth now and continue to invest in it cont"  
[X Link](https://x.com/RileyE645/status/2011051641387303170)  2026-01-13T12:24Z [---] followers, [---] engagements


"anyone else remember buying shares in the $10's in late [----] Unbelievable seeing this thing up more than that just today 👀 I also recall a lot of talk about people buying pink lambos if we saw $100 looking forward to seeing pics. Congrats everyone"  
[X Link](https://x.com/RileyE645/status/2014376797383598407)  2026-01-22T16:37Z [---] followers, [---] engagements


"anyone have a tesla in AZ to test the pricing model"  
[X Link](https://x.com/RileyE645/status/2014703560051601691)  2026-01-23T14:15Z [---] followers, [---] engagements


"@CedarStResearch yeah tbh i have no idea how any carrier could compete with $tsla on their own cars. they dont need to make an UW profit and have no aq cost like you said. plus no cost for the api data. hard to see $lmnd ever beating them on price once this all plays out"  
[X Link](https://x.com/RileyE645/status/2015133151723430057)  2026-01-24T18:42Z [---] followers, [---] engagements


"@CedarStResearch not to mention the fact that they have direct access to parts to repair damages and will do that at cost as well"  
[X Link](https://x.com/RileyE645/status/2015133603450040465)  2026-01-24T18:44Z [---] followers, [--] engagements


"@CedarStResearch either collecting more revenue at each point or just pass all those savings off to customer to make dirt cheap. im hopeful this OEM POS datapoint bodes well for $root with hyundai and kia going forward"  
[X Link](https://x.com/RileyE645/status/2015134837951045640)  2026-01-24T18:49Z [---] followers, [---] engagements


"WF downgrades $root "pointing to concerns around the insurers financial position and a CR of 102% indicating underwriting losses." $root is in the best financial position in its existence and the 102% is from a [--] time non cash expense. PT's simply following price. very lazy"  
[X Link](https://x.com/RileyE645/status/2011512883482636460)  2026-01-14T18:56Z [---] followers, [----] engagements


""Oct PIF growth has definitely accelerated vs Q3 (up 11K policies) and we're not seeing that slow down" - Timm on Q3 call Search trends for $root have only increased from the Oct avg (red line in photo). Really good sign for Q4 PIF"  
[X Link](https://x.com/RileyE645/status/2014015781579743634)  2026-01-21T16:42Z [---] followers, [---] engagements


"if this $lmnd move looks exciting just wait till the market realizes that $root is 1/6 the price has [--] channels that are currently bigger and growing faster than $lmnd auto and is already GAAP profitable"  
[X Link](https://x.com/RileyE645/status/2014353188070027608)  2026-01-22T15:03Z [---] followers, [----] engagements


"in the last [--] days $lmnd market cap increased more than the entire size of $root. An exciting announcement but something that $root essentially did [--] years ago and can presumably replicate here as well🤔"  
[X Link](https://x.com/RileyE645/status/2014691116960842061)  2026-01-23T13:26Z [---] followers, [---] engagements


"analysts are calling for 1.59B Rev in [----] which is essentially 0% growth if you annualize Q4's upcoming rev. Meanwhile you have mgmt discussing rapid growth with job postings to match. Each channel will likely grow meaningfully in 2026"  
[X Link](https://x.com/anyuser/status/2017257550178030036)  2026-01-30T15:24Z [---] followers, [----] engagements


"@Fisuliini @KabraxFX TM filing: HYUNDAI SECURE+ trademark registration is intended to cover the categories of insurance services; underwriting and administration of property and casualty insurance including automobile insurance providing coverage for property damage and third party liabilities"  
[X Link](https://x.com/RileyE645/status/2017270067822461395)  2026-01-30T16:13Z [---] followers, [--] engagements


"Short Interest continues to rise as price drops. Up to 2.46M shares or 18% of the float (17.8% last update). Loving the set up for 2026"  
[X Link](https://x.com/anyuser/status/2016507435238707466)  2026-01-28T13:43Z [---] followers, [---] engagements


"great example of market inefficiency today with $root and $cvna. since the $cvna news they dropped 8% while $root is down 6%. the market thinks if carvana goes down so will $root. in reality they make up about 15-20% of $root business and shrinking. buying more today"  
[X Link](https://x.com/anyuser/status/2016885280268030349)  2026-01-29T14:44Z [---] followers, [---] engagements


"@bjmtweets another way to think about it: $lmnd has to grow IFP 54% per year while $root grows 0% over [--] years to have the same P/IFP. Or if $root grows 15% $lmnd needs to grow 80% annually"  
[X Link](https://x.com/RileyE645/status/2016885942284390746)  2026-01-29T14:47Z [---] followers, [---] engagements


"- P/E of [--] (normalized for cvna warrants) - 27% YoY Rev growth - guide for accelerated growth (yet WS thinks 6%) - 350B industry - industry best LR - differentiated tech for enhanced distribution Will look back on this wishing I bought even more $root down here"  
[X Link](https://x.com/anyuser/status/2016945964485837206)  2026-01-29T18:46Z [---] followers, [---] engagements


"@jakebrowatzke you guys need to get $root back on your radar. insane upside. Hyundai looks to be launching what looks similar to cvna and would be worth 2-3B market cap alone for $root with the entire company at 1B right now"  
[X Link](https://x.com/RileyE645/status/2017224785239953869)  2026-01-30T13:14Z [---] followers, [----] engagements


"@KabraxFX really cant think of an explanation here outside of $root partnership. Not a single job posting re: insurance at hyundai and zero sign of another carrier working with them. Then you have Timm laying out a full vision of hyundai [--] weeks ago. it seems 95-99% to me"  
[X Link](https://x.com/RileyE645/status/2017272849732346007)  2026-01-30T16:25Z [---] followers, [---] engagements


"@mattscottcap @JM_Investment0 right now its about 15-20% of topline but shrinking. the good news is if cvna blows up $root will still keep the exsisting customers itll just mean a channel is down for future growth. how likely is bankruptcy in your opinion and how long would that take to play out"  
[X Link](https://x.com/RileyE645/status/2017298721495552379)  2026-01-30T18:07Z [---] followers, [---] engagements


"@JM_Investment0 @mattscottcap i was asking about $cvna but appreciate the article on $root"  
[X Link](https://x.com/RileyE645/status/2017323177697841538)  2026-01-30T19:45Z [---] followers, [---] engagements


"@call_lee_free remember that day like it was yesterday haha craziest move ive seen"  
[X Link](https://x.com/RileyE645/status/2019131919670362565)  2026-02-04T19:32Z [---] followers, [---] engagements


"lets put some rough #'s to Hyundai Secure+ if it ends up being similar to $cvna. This is napkin math but displays how big of a deal it would be. Potentially even better LR/margins being fully embedded in Hyundai vehicles the $153 would be JUST the Hydundai portion of $root"  
[X Link](https://x.com/anyuser/status/2017228410741723524)  2026-01-30T13:28Z [---] followers, [----] engagements


"@jakebrowatzke $root 2.9x by this metric forming a larger moat each Q in a massive industry that hasnt been disrupted yet"  
[X Link](https://x.com/RileyE645/status/2018673046567944215)  2026-02-03T13:08Z [---] followers, [---] engagements


"feels financially irresponsible to not buy as much $root as possible under 1B. Planning to buy shares every day until earnings or $80/share"  
[X Link](https://x.com/anyuser/status/2018704671871832449)  2026-02-03T15:14Z [---] followers, [----] engagements


"part of the bull thesis for $root & $lmnd in new P&C article below. TLDR: -telematics/UBI great for LR retention -50% of customers surveyed want it -legacy slow to adopt due to culture tech and cannibalizing existing book - $pgr current leader but small % of their book"  
[X Link](https://x.com/anyuser/status/2019085945912385655)  2026-02-04T16:29Z [---] followers, [----] engagements


"new role at $root today tasked with scaling mid-upper funnel marketing channels. Previously Timm discussed "testing" and "exploring" these channels and now they're hiring for it and scaling"  
[X Link](https://x.com/anyuser/status/2019765852669612271)  2026-02-06T13:31Z [---] followers, [----] engagements


"@jakebrowatzke $root lets go very good chance it will be your best performer imo. Love your composure during this drop brother definitely a testament to your hope in Christ and stability He gives regardless of performance/financial status"  
[X Link](https://x.com/RileyE645/status/2019771029925646690)  2026-02-06T13:51Z [---] followers, [---] engagements


"$root has now dropped more than $cvna has since their short interest fraud report. $root now at 0.61x sales and 12x earnings (excluding warrants one-off) with massive growth/op leverage ahead. Adding more today"  
[X Link](https://x.com/anyuser/status/2019788745088582074)  2026-02-06T15:02Z [---] followers, [----] engagements


"went back to [----] data for $root and $pgr to see impact of texas freeze to get a feel for this storm. Timm mentioned an uptick in frequency but the LR didnt see any uptick in the Q despite texas being their largest state. $pgr saw zero uptick in LR either"  
[X Link](https://x.com/anyuser/status/2015821952057790678)  2026-01-26T16:19Z [---] followers, [---] engagements


"really interesting insight on $root competitive advantage in the IA space. interesting that they called out $PGR specifically as outdated even tho they're most modern of legacy carriers. some good color on how IA is exploding https://x.com/_inpractise/status/2016220552889880926 A former Product Manager at $ROOT explains the pain points solved by the Root Agent Portal (RAP): "It is a modern agent system powered by the carrier platform. It is a front-end tool for agents to bind policies much better than other carriers. Many agent portals like those for"  
[X Link](https://x.com/anyuser/status/2016225377778073949)  2026-01-27T19:02Z [---] followers, [----] engagements


"$PGR posted Dec results today. The Q4 avg LR for auto came in about [--] pts higher than Q3 and was helped by some favorable prior period development. Helpful data point for $root Q4 estimates"  
[X Link](https://x.com/anyuser/status/2016508273663283308)  2026-01-28T13:46Z [---] followers, [----] engagements


"at these prices not only is $root upside huge but the downside longterm risk is as low as ive seen in a stock. P/S is about 50% of legacy industry (even more if you include other insuretechs). $root has many levers to pull for both growth and op leverage that legacy doesnt"  
[X Link](https://x.com/anyuser/status/2018325246747521240)  2026-02-02T14:06Z [---] followers, [----] engagements


"I sent an email similar to @bjmtweets to $root IR advocating for more interaction/investor days. They responded today pretty generically but glad to get a response: "thank you for the feedback it is valuable and will take it into consideration""  
[X Link](https://x.com/anyuser/status/2018382104409645558)  2026-02-02T17:52Z [---] followers, [----] engagements


"more on $all - their underlying auto LR went up just [---] points much lower than the 3-5 points Timm said he typically expects from Q3 to Q4. as a reminder $pgr came in on the lower side of that figure as well while $trv showed a [---] point increase"  
[X Link](https://x.com/anyuser/status/2019452463753883901)  2026-02-05T16:46Z [---] followers, [---] engagements


"short interest surprisingly dropped slightly in $root now at 2.41M shares or 17.6% of float down from 2.46M and 18% respectively"  
[X Link](https://x.com/anyuser/status/2021402363039449143)  2026-02-11T01:54Z [---] followers, [----] engagements


"$all posts earnings today and shows 5% YoY rev growth and 2.3% auto PIF increase YoY. Market loves it gives the whole industry a boost yet $root trades down. P/S and growth comps make no sense especially given incumbents have squeezed every drop of margin/growth already"  
[X Link](https://x.com/anyuser/status/2019450662237385199)  2026-02-05T16:38Z [---] followers, [----] engagements


"im liking this trend for $root IA's"  
[X Link](https://x.com/anyuser/status/2022350281967833379)  2026-02-13T16:40Z [---] followers, [---] engagements


"im liking this trend for $root IA's"  
[X Link](https://x.com/anyuser/status/2022350281967833379)  2026-02-13T16:40Z [---] followers, [---] engagements


"short interest surprisingly dropped slightly in $root now at 2.41M shares or 17.6% of float down from 2.46M and 18% respectively"  
[X Link](https://x.com/anyuser/status/2021402363039449143)  2026-02-11T01:54Z [---] followers, [----] engagements


"$root has now dropped more than $cvna has since their short interest fraud report. $root now at 0.61x sales and 12x earnings (excluding warrants one-off) with massive growth/op leverage ahead. Adding more today"  
[X Link](https://x.com/anyuser/status/2019788745088582074)  2026-02-06T15:02Z [---] followers, [----] engagements


"new role at $root today tasked with scaling mid-upper funnel marketing channels. Previously Timm discussed "testing" and "exploring" these channels and now they're hiring for it and scaling"  
[X Link](https://x.com/anyuser/status/2019765852669612271)  2026-02-06T13:31Z [---] followers, [----] engagements


"more on $all - their underlying auto LR went up just [---] points much lower than the 3-5 points Timm said he typically expects from Q3 to Q4. as a reminder $pgr came in on the lower side of that figure as well while $trv showed a [---] point increase"  
[X Link](https://x.com/anyuser/status/2019452463753883901)  2026-02-05T16:46Z [---] followers, [---] engagements


"$all posts earnings today and shows 5% YoY rev growth and 2.3% auto PIF increase YoY. Market loves it gives the whole industry a boost yet $root trades down. P/S and growth comps make no sense especially given incumbents have squeezed every drop of margin/growth already"  
[X Link](https://x.com/anyuser/status/2019450662237385199)  2026-02-05T16:38Z [---] followers, [----] engagements


"part of the bull thesis for $root & $lmnd in new P&C article below. TLDR: -telematics/UBI great for LR retention -50% of customers surveyed want it -legacy slow to adopt due to culture tech and cannibalizing existing book - $pgr current leader but small % of their book"  
[X Link](https://x.com/anyuser/status/2019085945912385655)  2026-02-04T16:29Z [---] followers, [----] engagements


"nice group of reviews in the last [--] hours"  
[X Link](https://x.com/anyuser/status/2019060482456396104)  2026-02-04T14:48Z [---] followers, [---] engagements


"feels financially irresponsible to not buy as much $root as possible under 1B. Planning to buy shares every day until earnings or $80/share"  
[X Link](https://x.com/anyuser/status/2018704671871832449)  2026-02-03T15:14Z [---] followers, [----] engagements

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