[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @StableBread StableBread StableBread posts on X about $root, stocks, insurance, acquisition the most. They currently have XXX followers and XXX posts still getting attention that total XXX engagements in the last XX hours. ### Engagements: XXX [#](/creator/twitter::1296289507336167424/interactions)  - X Week XXXXX +357% - X Month XXXXX -XX% - X Months XXXXXX +969% - X Year XXXXXX +648% ### Mentions: XX [#](/creator/twitter::1296289507336167424/posts_active)  - X Month XX -XX% - X Months XXX +6,400% - X Year XXX +1,931% ### Followers: XXX [#](/creator/twitter::1296289507336167424/followers)  - X Week XXX +2.50% - X Month XXX +4.60% - X Months XXX +29% - X Year XXX +19% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1296289507336167424/influencer_rank)  ### Social Influence [#](/creator/twitter::1296289507336167424/influence) --- **Social category influence** [finance](/list/finance) [cryptocurrencies](/list/cryptocurrencies) [stocks](/list/stocks) [automotive brands](/list/automotive-brands) [currencies](/list/currencies) **Social topic influence** [$root](/topic/$root) #34, [stocks](/topic/stocks), [insurance](/topic/insurance) #1546, [acquisition](/topic/acquisition), [money](/topic/money), [$nbis](/topic/$nbis), [market cap](/topic/market-cap), [upside](/topic/upside), [investment](/topic/investment), [celebrities](/topic/celebrities) **Top assets mentioned** [The Root Network (ROOT)](/topic/$root) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) ### Top Social Posts [#](/creator/twitter::1296289507336167424/posts) --- Top posts by engagements in the last XX hours "From January 2014 to July 2024: Magic Formula: -XXXXX% total return S&P 500: +261.89% total return The strategy also showed higher volatility (20% vs 15%) and a maximum drawdown of -XX% compared to the S&P's -34%. Not a single year in our backtest saw the Magic Formula beat the S&P XXX. The worst underperformance came in 2019 and 2022 with the strategy lagging by over XX percentage points in 2019 alone. Average annual turnover exceeded XX% creating significant portfolio churn" [X Link](https://x.com/StableBread/status/1979170633218167084) [@StableBread](/creator/x/StableBread) 2025-10-17T13:00Z XXX followers, XX engagements "The Magic Formula ranks stocks based on two metrics: 1) Return on capital (how efficiently companies use their money) 2) Earnings yield (how cheap stocks are relative to earnings) Buy the top XX ranked stocks hold for a year then rebalance. Simple in theory" [X Link](https://x.com/StableBread/status/1979170586208440368) [@StableBread](/creator/x/StableBread) 2025-10-17T13:00Z XXX followers, XX engagements "@closenberger @TheLongInvest Didnt he also 💩 on $NBIS" [X Link](https://x.com/StableBread/status/1978986150996967531) [@StableBread](/creator/x/StableBread) 2025-10-17T00:47Z XXX followers, 4000 engagements "If $ROOT achieves reasonable growth targets: 2027 premiums: $XXX billion (30% annual growth below management's XX% target) Net margin: X% (conservative for an insurer reaching scale) Earnings: $XXX million At 18x earnings that's a $XXX billion market cap or $XXX per share vs. today's $XX. That's over XXX% upside with conservative assumptions. If management actually hits their aggressive XX% growth target premiums could reach $XXX billion by 2027. With improving margins that scenario suggests the stock could triple or quadruple" [X Link](https://x.com/StableBread/status/1978823529287287206) [@StableBread](/creator/x/StableBread) 2025-10-16T14:01Z XXX followers, XXX engagements "Authority bias leads investors to blindly follow famous fund managers and financial celebrities without doing their own research. When a well known investor buys a stock retail investors often pile in simply because "Warren Buffett bought it." They assume these experts must know something they don't. But even legendary investors make mistakes and their investment goals timeframes and risk tolerance likely differ from yours. The same bias appears with Wall Street analysts. A Goldman Sachs upgrade carries more weight than a small firm's report even when the smaller firm might have better sector" [X Link](https://x.com/StableBread/status/1979215090609197544) [@StableBread](/creator/x/StableBread) 2025-10-17T15:57Z XXX followers, XXX engagements "They've also expanded their partnership model rapidly. Hyundai Capital launched in 2025 covering XXX million vehicles financed annually. Experian integrated $ROOT into their credit monitoring app. And 38000 independent agents can now quote ROOT policies. These channels drove massive growth" [X Link](https://x.com/StableBread/status/1978823442222010565) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XXX engagements "The backtest settings assumed no slippage no carrying costs and trades at next day's close. While this doesn't account for every real world friction it's close to what investors would experience today with commission free brokers" [X Link](https://x.com/StableBread/status/1979170617254646156) [@StableBread](/creator/x/StableBread) 2025-10-17T13:00Z XXX followers, XX engagements "@contrarcap Nice i wrote a short thread about $ROOT today:" [X Link](https://x.com/StableBread/status/1979001740960629189) [@StableBread](/creator/x/StableBread) 2025-10-17T01:49Z XXX followers, XXX engagements "How $ROOT actually works: Download their app and take a "test drive" for X to X weeks. The app tracks your speed braking patterns phone usage while driving and when you drive. Their algorithms analyze this against XX billion miles of driving data to predict your accident risk" [X Link](https://x.com/StableBread/status/1978823372281905388) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XXX engagements "Since 2018 both stocks and gold have posted similar gains. On the surface this looks like both assets are doing well. But Charles Gave argues neither has actually risen. The gains simply reflect US dollar currency debasement. Economists call this "monetary illusion." Your portfolio value in dollars goes up but your purchasing power stays flat. You're not getting richer. The measuring stick is shrinking. This is what happens in mixed environments where energy efficiency remains positive but currency quality deteriorates. Assets rise in nominal terms while real value stagnates. The S&P 500/Gold" [X Link](https://x.com/StableBread/status/1976649687416647960) [@StableBread](/creator/x/StableBread) 2025-10-10T14:03Z XXX followers, 9017 engagements "Joel Greenblatt's Magic Formula has lost XX% while the S&P XXX gained XXX% over the past decade. We backtested this famous value investing strategy using @P123Finance from 2014 to 2024. Here's what we found: 🧵" [X Link](https://x.com/StableBread/status/1979170569225646160) [@StableBread](/creator/x/StableBread) 2025-10-17T13:00Z XXX followers, XXX engagements "The anchoring effect explains why investors often make poor decisions based on a stock's past price. When you buy a stock at $XXX and it drops to $XXX that original $XXX becomes your mental anchor. You might hold onto the losing position convinced the stock will return to $XXX even when the fundamentals have permanently changed. This works both ways. If you missed buying at $XXX and the stock rises to $XXX you might wait forever for it to drop back to $XXX missing further gains because you're anchored to that lower price you once saw. Smart investors evaluate stocks based on current business" [X Link](https://x.com/StableBread/status/1978461876234363065) [@StableBread](/creator/x/StableBread) 2025-10-15T14:04Z XXX followers, XXX engagements "But ROOT had a problem: customer acquisition. They were spending $XXX per customer on digital ads while their combined ratio sat at XXX% in early 2023 meaning they lost XX cents on every premium dollar collected. Clearly this burn rate wasn't sustainable. Then they discovered embedded partnerships" [X Link](https://x.com/StableBread/status/1978823414518620400) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XXX engagements "Key risks to monitor: Progressive's Snapshot could erode ROOT's telematics advantage. States might restrict behavior based pricing as discriminatory. Over reliance on Carvana (currently XX% of new business). Rising repair costs could pressure loss ratios" [X Link](https://x.com/StableBread/status/1978823541001982237) [@StableBread](/creator/x/StableBread) 2025-10-16T14:01Z XXX followers, XXX engagements "Traditional insurers guess your risk based on age credit score and zip code. These are proxies that correlate with accidents but don't actually measure driving skill. $ROOT prices based on how you actually drive. Better drivers get lower rates. Dangerous drivers get rejected entirely" [X Link](https://x.com/StableBread/status/1978823387037503570) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XXX engagements "The results speak for themselves: Premium growth: $331M to $1.3B in XX months Marketing costs: Fell from XX% to XX% of premiums Cash flow: $197M generated in trailing twelve months" [X Link](https://x.com/StableBread/status/1978823457577357753) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XX engagements "$ROOT lets your smartphone track your driving for a few weeks then uses that data to offer you auto insurance. Sounds invasive Maybe. But their loss ratio is XX% while State Farm's is XX% and the stock just hit profitability after years of losses. Here's what changed and why it's an asymmetric bet: 🧵" [X Link](https://x.com/StableBread/status/1978823347585814662) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, 1451 engagements "Valuation looks compelling at current levels: ROOT trades at 0.9x 2025 sales Progressive: 1.1x Lemonade: 2.8x Industry average: 1.3x On earnings ROOT trades at 16x 2025 estimates versus industry's 24x despite growing 5x faster" [X Link](https://x.com/StableBread/status/1978823516826018227) [@StableBread](/creator/x/StableBread) 2025-10-16T14:01Z XXX followers, XX engagements "$ROOT transformed from a cash burning InsurTech to a profitable growing insurer with structural advantages. Superior unit economics expanding distribution and a clear path to scale make it compelling at less than 1x sales when traditional insurers trade higher despite worse economics" [X Link](https://x.com/StableBread/status/1978823552762831138) [@StableBread](/creator/x/StableBread) 2025-10-16T14:01Z XXX followers, XXX engagements "The Carvana partnership changed everything: Customers get insurance quotes in X clicks at point of sale. Customer acquisition cost dropped from $XXX to $XXX. ROOT has exclusivity through 2026" [X Link](https://x.com/StableBread/status/1978823426216513644) [@StableBread](/creator/x/StableBread) 2025-10-16T14:00Z XXX followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@StableBread StableBread
StableBread posts on X about $root, stocks, insurance, acquisition the most. They currently have XXX followers and XXX posts still getting attention that total XXX engagements in the last XX hours.
Engagements: XXX #
- X Week XXXXX +357%
- X Month XXXXX -XX%
- X Months XXXXXX +969%
- X Year XXXXXX +648%
Mentions: XX #
- X Month XX -XX%
- X Months XXX +6,400%
- X Year XXX +1,931%
Followers: XXX #
- X Week XXX +2.50%
- X Month XXX +4.60%
- X Months XXX +29%
- X Year XXX +19%
CreatorRank: XXXXXXXXX #
Social Influence #
Social category influence finance cryptocurrencies stocks automotive brands currencies
Social topic influence $root #34, stocks, insurance #1546, acquisition, money, $nbis, market cap, upside, investment, celebrities
Top assets mentioned The Root Network (ROOT) Nebius Group N.V. Class A Ordinary Shares (NBIS)
Top Social Posts #
Top posts by engagements in the last XX hours
"From January 2014 to July 2024: Magic Formula: -XXXXX% total return S&P 500: +261.89% total return The strategy also showed higher volatility (20% vs 15%) and a maximum drawdown of -XX% compared to the S&P's -34%. Not a single year in our backtest saw the Magic Formula beat the S&P XXX. The worst underperformance came in 2019 and 2022 with the strategy lagging by over XX percentage points in 2019 alone. Average annual turnover exceeded XX% creating significant portfolio churn"
X Link @StableBread 2025-10-17T13:00Z XXX followers, XX engagements
"The Magic Formula ranks stocks based on two metrics: 1) Return on capital (how efficiently companies use their money) 2) Earnings yield (how cheap stocks are relative to earnings) Buy the top XX ranked stocks hold for a year then rebalance. Simple in theory"
X Link @StableBread 2025-10-17T13:00Z XXX followers, XX engagements
"@closenberger @TheLongInvest Didnt he also 💩 on $NBIS"
X Link @StableBread 2025-10-17T00:47Z XXX followers, 4000 engagements
"If $ROOT achieves reasonable growth targets: 2027 premiums: $XXX billion (30% annual growth below management's XX% target) Net margin: X% (conservative for an insurer reaching scale) Earnings: $XXX million At 18x earnings that's a $XXX billion market cap or $XXX per share vs. today's $XX. That's over XXX% upside with conservative assumptions. If management actually hits their aggressive XX% growth target premiums could reach $XXX billion by 2027. With improving margins that scenario suggests the stock could triple or quadruple"
X Link @StableBread 2025-10-16T14:01Z XXX followers, XXX engagements
"Authority bias leads investors to blindly follow famous fund managers and financial celebrities without doing their own research. When a well known investor buys a stock retail investors often pile in simply because "Warren Buffett bought it." They assume these experts must know something they don't. But even legendary investors make mistakes and their investment goals timeframes and risk tolerance likely differ from yours. The same bias appears with Wall Street analysts. A Goldman Sachs upgrade carries more weight than a small firm's report even when the smaller firm might have better sector"
X Link @StableBread 2025-10-17T15:57Z XXX followers, XXX engagements
"They've also expanded their partnership model rapidly. Hyundai Capital launched in 2025 covering XXX million vehicles financed annually. Experian integrated $ROOT into their credit monitoring app. And 38000 independent agents can now quote ROOT policies. These channels drove massive growth"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XXX engagements
"The backtest settings assumed no slippage no carrying costs and trades at next day's close. While this doesn't account for every real world friction it's close to what investors would experience today with commission free brokers"
X Link @StableBread 2025-10-17T13:00Z XXX followers, XX engagements
"@contrarcap Nice i wrote a short thread about $ROOT today:"
X Link @StableBread 2025-10-17T01:49Z XXX followers, XXX engagements
"How $ROOT actually works: Download their app and take a "test drive" for X to X weeks. The app tracks your speed braking patterns phone usage while driving and when you drive. Their algorithms analyze this against XX billion miles of driving data to predict your accident risk"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XXX engagements
"Since 2018 both stocks and gold have posted similar gains. On the surface this looks like both assets are doing well. But Charles Gave argues neither has actually risen. The gains simply reflect US dollar currency debasement. Economists call this "monetary illusion." Your portfolio value in dollars goes up but your purchasing power stays flat. You're not getting richer. The measuring stick is shrinking. This is what happens in mixed environments where energy efficiency remains positive but currency quality deteriorates. Assets rise in nominal terms while real value stagnates. The S&P 500/Gold"
X Link @StableBread 2025-10-10T14:03Z XXX followers, 9017 engagements
"Joel Greenblatt's Magic Formula has lost XX% while the S&P XXX gained XXX% over the past decade. We backtested this famous value investing strategy using @P123Finance from 2014 to 2024. Here's what we found: 🧵"
X Link @StableBread 2025-10-17T13:00Z XXX followers, XXX engagements
"The anchoring effect explains why investors often make poor decisions based on a stock's past price. When you buy a stock at $XXX and it drops to $XXX that original $XXX becomes your mental anchor. You might hold onto the losing position convinced the stock will return to $XXX even when the fundamentals have permanently changed. This works both ways. If you missed buying at $XXX and the stock rises to $XXX you might wait forever for it to drop back to $XXX missing further gains because you're anchored to that lower price you once saw. Smart investors evaluate stocks based on current business"
X Link @StableBread 2025-10-15T14:04Z XXX followers, XXX engagements
"But ROOT had a problem: customer acquisition. They were spending $XXX per customer on digital ads while their combined ratio sat at XXX% in early 2023 meaning they lost XX cents on every premium dollar collected. Clearly this burn rate wasn't sustainable. Then they discovered embedded partnerships"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XXX engagements
"Key risks to monitor: Progressive's Snapshot could erode ROOT's telematics advantage. States might restrict behavior based pricing as discriminatory. Over reliance on Carvana (currently XX% of new business). Rising repair costs could pressure loss ratios"
X Link @StableBread 2025-10-16T14:01Z XXX followers, XXX engagements
"Traditional insurers guess your risk based on age credit score and zip code. These are proxies that correlate with accidents but don't actually measure driving skill. $ROOT prices based on how you actually drive. Better drivers get lower rates. Dangerous drivers get rejected entirely"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XXX engagements
"The results speak for themselves: Premium growth: $331M to $1.3B in XX months Marketing costs: Fell from XX% to XX% of premiums Cash flow: $197M generated in trailing twelve months"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XX engagements
"$ROOT lets your smartphone track your driving for a few weeks then uses that data to offer you auto insurance. Sounds invasive Maybe. But their loss ratio is XX% while State Farm's is XX% and the stock just hit profitability after years of losses. Here's what changed and why it's an asymmetric bet: 🧵"
X Link @StableBread 2025-10-16T14:00Z XXX followers, 1451 engagements
"Valuation looks compelling at current levels: ROOT trades at 0.9x 2025 sales Progressive: 1.1x Lemonade: 2.8x Industry average: 1.3x On earnings ROOT trades at 16x 2025 estimates versus industry's 24x despite growing 5x faster"
X Link @StableBread 2025-10-16T14:01Z XXX followers, XX engagements
"$ROOT transformed from a cash burning InsurTech to a profitable growing insurer with structural advantages. Superior unit economics expanding distribution and a clear path to scale make it compelling at less than 1x sales when traditional insurers trade higher despite worse economics"
X Link @StableBread 2025-10-16T14:01Z XXX followers, XXX engagements
"The Carvana partnership changed everything: Customers get insurance quotes in X clicks at point of sale. Customer acquisition cost dropped from $XXX to $XXX. ROOT has exclusivity through 2026"
X Link @StableBread 2025-10-16T14:00Z XXX followers, XXX engagements