# ![@_Jimmy_Wang_ Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1195491069237985280.png) @_Jimmy_Wang_ Jimmy Wang

Jimmy Wang posts on X about $dnpwa, $root, $dnp, $abnb the most. They currently have [---] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: [--] [#](/creator/twitter::1195491069237985280/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1195491069237985280/c:line/m:interactions.svg)

- [--] Week [--] -59%
- [--] Month [--] -59%
- [--] Months [------] +89%

### Mentions: [--] [#](/creator/twitter::1195491069237985280/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1195491069237985280/c:line/m:posts_active.svg)

- [--] Month [--] -75%
- [--] Months [--] +15%

### Followers: [---] [#](/creator/twitter::1195491069237985280/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1195491069237985280/c:line/m:followers.svg)

- [--] Week [---] +1%
- [--] Month [---] -4.70%
- [--] Months [---] +84%

### CreatorRank: undefined [#](/creator/twitter::1195491069237985280/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1195491069237985280/c:line/m:influencer_rank.svg)

### Social Influence

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

**Social topic influence**
[$dnpwa](/topic/$dnpwa) #3, [$root](/topic/$root), [$dnp](/topic/$dnp) #5, [$abnb](/topic/$abnb), [$lgcy](/topic/$lgcy), [$dnopy](/topic/$dnopy) #1, [$roots](/topic/$roots), [insurance](/topic/insurance), [poland](/topic/poland), [growth](/topic/growth)

**Top accounts mentioned or mentioned by**
[@kyleadamsstocks](/creator/undefined) [@casualthriver](/creator/undefined) [@bobspaysubstack](/creator/undefined) [@jimmywang](/creator/undefined) [@theraymyers](/creator/undefined) [@freedbyfinance](/creator/undefined) [@realroseceline](/creator/undefined) [@booya1961](/creator/undefined) [@tlaubers](/creator/undefined) [@saynototrading](/creator/undefined) [@cedarstresearch](/creator/undefined) [@skhetpal](/creator/undefined) [@kabraxfx](/creator/undefined) [@clayfinck](/creator/undefined) [@davidgfool](/creator/undefined) [@igrakan](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [DNP Select Income Fund Inc. (DNP)](/topic/$dnp) [Airbnb, Inc. (ABNB)](/topic/$abnb) [Legacy Education Inc. (LGCY)](/topic/$lgcy) [Return to Beginnings (ROOTS)](/topic/$roots) [4 (FOUR)](/topic/$four) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Alliance Fan Token (ALL)](/topic/$all) [Progressive Corp (PGR)](/topic/$pgr) [Microsoft Corp. (MSFT)](/topic/microsoft) [UnitedHealth Group (UNH)](/topic/$unh) [DLocal Limited (DLO)](/topic/$dlo) [Cheeseball (CB)](/topic/$cb)
### Top Social Posts
Top posts by engagements in the last [--] hours

"3. Investors often underestimate the forces of competition & disruption - People only focus on the present: A company might have the first-mover advantage but without moats it can lose ground fast once competition comes in. (Zoom & Microsoft Teams)"  
[X Link](https://x.com/_Jimmy_Wang_/status/1927439049410630002)  2025-05-27T18:57Z [--] followers, [--] engagements


"4. AI will disrupt the Investment World in a very rapid way - It will increase productivity and lower the cost base - If competitive companies dont lead theyll fall behind. - But if you have a great company with great moats AI becomes a tailwind"  
[X Link](https://x.com/_Jimmy_Wang_/status/1927439165257339232)  2025-05-27T18:58Z [--] followers, [--] engagements


"I've been wrapping up my Airbnb $ABNB write-up and one thing's clear: Airbnb is one of the MOST polarizing products out there. Personally I LOVE the product & have had great experiences I want to hear your side: 👉 Whats been your BEST ✅or WORST❌Airbnb experience"  
[X Link](https://x.com/_Jimmy_Wang_/status/1933020038023532916)  2025-06-12T04:34Z [--] followers, [---] engagements


"2. Here is the reason provided by Dino: 💡 But thats only half the story. The other half PKD codes 👀"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058576751608297)  2025-06-17T19:34Z [--] followers, [--] engagements


"Airbnb isn't just a rental platform; it's quietly building the full-stack travel OS of the future. $ABNB Here is a deep dive into the most misunderstood/polarizing travel stock: https://jimmywang1.substack.com/p/e962c805-a109-4134-a6cc-58c8c1f1a623 https://jimmywang1.substack.com/p/e962c805-a109-4134-a6cc-58c8c1f1a623"  
[X Link](https://x.com/_Jimmy_Wang_/status/1937588375068033193)  2025-06-24T19:07Z [--] followers, [--] engagements


"🧵Airbnb isnt just a rental platform. Its quietly building the future OS of the Travel & Experience sectors. $ABNB The market sees a slowing growth story. I see a capital-light margin-expanding platform with multiple growth levers. Heres why Im long $ABNB 👇 (1/)"  
[X Link](https://x.com/_Jimmy_Wang_/status/1939493508957749410)  2025-06-30T01:17Z [--] followers, [---] engagements


"7/ 💰 Capital-Light Cash Engine Unlike hotels Airbnb doesnt own physical inventory & enjoys high and growing margins🏠 Great FCF Margin among the best in tech. It also has a healthy BS with $10B+ in cash and minimal debt"  
[X Link](https://x.com/_Jimmy_Wang_/status/1939493521385521584)  2025-06-30T01:17Z [--] followers, [--] engagements


"8/ 🚀 Optionality Airbnb has barely scratched the surface of monetizing its ecosystem. Future drivers: - Experiences & Services (part of [----] summer release) - Advertising - Loyalty programs - Hotel inventory aggregation - Host services All high-margin high-attach levers"  
[X Link](https://x.com/_Jimmy_Wang_/status/1939493524367704260)  2025-06-30T01:17Z [--] followers, [--] engagements


"11/ 💡 Bottom line: Airbnb is a cash-generating machine with embedded growth levers and expanding moats. A high-quality business that's slowly transforming into the Amazon of the travel world"  
[X Link](https://x.com/_Jimmy_Wang_/status/1939493532944961852)  2025-06-30T01:17Z [--] followers, [--] engagements


"12/ If you found this useful follow me @_jimmy_wang_ for more business deep dives. And check out my Airbnb deep dive on Substack: Lets talk: Would you buy $ABNB here https://open.substack.com/pub/jimmywang1/p/airbnb-the-future-of-travelr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false https://open.substack.com/pub/jimmywang1/p/airbnb-the-future-of-travelr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false"  
[X Link](https://x.com/_Jimmy_Wang_/status/1939493534043873562)  2025-06-30T01:17Z [--] followers, [---] engagements


"@TheRayMyers Cant flex compound interest on the highway apparently"  
[X Link](https://x.com/_Jimmy_Wang_/status/1943446239523312050)  2025-07-10T23:04Z [--] followers, [--] engagements


"🚨 Not sure whats going on with $LGCY Down 26% intraday before bouncing back 23% 📉📈 Timing is curious - I raised governance-related questions with IR just yesterday. Not implying causation but Ill be watching Form 4s 13Ds and 13Gs over the next few days. 👀"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947710276318728299)  2025-07-22T17:28Z [--] followers, [---] engagements


"Disclosure: I don't have a position in $LGCY"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947710278101319849)  2025-07-22T17:28Z [--] followers, [---] engagements


"3/ The company just IPOd in late [----] and even acquired another school (CCMCC) for under 1x sales - an accretive deal with great student reviews (LGCY colleges averaged a mere [--] stars vs. CCMCC's [--] stars). So whats the problem"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910819297300521)  2025-07-23T06:45Z [--] followers, [---] engagements


"4/ Well it turns out one of their largest insiders (owning 8% of the company) pleaded guilty to a federal pump-and-dump scheme. And no one is talking about it"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910821918740924)  2025-07-23T06:45Z [--] followers, [---] engagements


"5/ In [----] he was charged by the DOJ for helping run a multimillion-dollar stock fraud scheme involving BioCube Inc. He pleaded guilty. Its public record (check out my substack deep-dive for all sources)"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910823936200816)  2025-07-23T06:45Z [--] followers, [---] engagements


"6/ Now fast-forward to today: Garnick is a 8% shareholder in $LGCY. Hes not on the board. Hes not an exec. But his past is a massive governance red flag 🚩"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910825588699531)  2025-07-23T06:45Z [--] followers, [---] engagements


"8/ I emailed IR directly and raised the issue before sharing this. No response yet. This isn't about speculation its about whether you can trust what you're buying. Buffett said it best: You cant make a good deal with a bad person"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910828524769570)  2025-07-23T06:45Z [--] followers, [---] engagements


"11/ I published a full deep dive on $LGCY with all my findings: financials margins programs risks and this governance red flag. Check my Substack Bookmark $LGCY Not because its a buy but because someone will eventually ask why no one saw this coming. 🧵/end"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910830403817632)  2025-07-23T06:45Z [--] followers, [---] engagements


"@KyleAdamsStocks @casual_thriver Fair point. I've not spoken with the management and would definitely love the chance. Also I never inferred that LGCY is fraudulent just believe this major shareholder's past makes it uninvestable for me"  
[X Link](https://x.com/_Jimmy_Wang_/status/1948158868732981502)  2025-07-23T23:10Z [--] followers, [--] engagements


"@KyleAdamsStocks @casual_thriver Also I agree with you. The CEO board and key personnel have done an incredible job running and supporting this company. I've highlighted that in detail in my deep dive. But yeah wishing nothing but the best for LGCY's shareholder 👍👍"  
[X Link](https://x.com/_Jimmy_Wang_/status/1948159205938266324)  2025-07-23T23:12Z [--] followers, [---] engagements


"@KyleAdamsStocks @casual_thriver Yep will definitely keep a close watch on LGCY. Definitely curious to see what the management team is going to say about the Title IV funding in the next earnings call"  
[X Link](https://x.com/_Jimmy_Wang_/status/1948472395616190884)  2025-07-24T19:56Z [--] followers, [---] engagements


"Revenue CAGR (20142024): 30.1% EBIT CAGR: 33.5% ROIC: from 12% consistent +20% Margins dipped post-COVID from price wars & recent food deflation. But with decades of strong execution I expect mgmt to adapt. They guided for high single-digit LFL growth in 2025"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937478636192132)  2025-07-31T15:11Z [--] followers, [--] engagements


"Dino's high ROIC is fueled by favorable economics: Costs 2.4M PLN for a new store & 25K PLN in maintenance CapEx/yr New stores reach 0.57M PLN+ in annual sales in [--] years (store economics data from 2016) New stores have a payback period of [--] years"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937481106366511)  2025-07-31T15:11Z [--] followers, [--] engagements


"Of course no stock is risk-free: ❌ Inflation & FX risk ❌ Social shifts (urbanization e-commerce) ❌ Foreign competition (Lidl & Biedronka) While the macro tailwinds include: ✅ Poland GDP/capita 10x since the 90s ✅ Population still skews rural ✅ TAM is still growing"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937487913689449)  2025-07-31T15:11Z [--] followers, [--] engagements


"And the future looks even brighter: 🔸 Expanding into big cities (Warsaw Krakw) 🔸 Exploring international growth 🔸 Bought eZebra to test e-comm 🔸 Piloting gas stations 🔸 New PKD codes hint at a retail media & marketing push Plenty of optionality ahead 🚀"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937489750863966)  2025-07-31T15:11Z [--] followers, [--] engagements


"@freedbyfinance For me I just dont feel comfortable investing in a company that let someone like this in pre-IPO - thats different from buying your way to 5% in the open market. Not a knock on the business just a personal line. Still tracking it dont want my work go to waste 😅"  
[X Link](https://x.com/_Jimmy_Wang_/status/1951817906049974759)  2025-08-03T01:30Z [--] followers, [--] engagements


"Hectic week. Thoughts on $ABNB earnings coming soon along with why I increased my $UNH position. Translation: my ESPP and stock vesting at Optum are holding me hostage while the stock is down 60%"  
[X Link](https://x.com/_Jimmy_Wang_/status/1953869829372620959)  2025-08-08T17:24Z [--] followers, [---] engagements


"$ABNB just posted a double beat and the stock still fell. Why 📉 Q3 rev growth: 7.79.9% y/y vs tough comps 📉 North America nights: low-single-digit growth (close to 50% of revenue) The bear case is obvious. The bull case is hiding in plain sight 👇"  
[X Link](https://x.com/_Jimmy_Wang_/status/1954771629168570810)  2025-08-11T05:07Z [--] followers, [---] engagements


"@realroseceline Haha I honestly thought it was going to be $ROOT. Anyway love the format of your thesis. Been wanting to dig deeper into the payment ecosystem since ur recent $DLO tweets"  
[X Link](https://x.com/_Jimmy_Wang_/status/1968437880541663318)  2025-09-17T22:12Z [--] followers, [---] engagements


"$ROOT's loss ratio (58.9% FY 24) is one of the best in the industry clear proof that its phone-based telematics is driving superior underwriting. Bears point to its Loss+LAE ratio (67.5% vs industry 68.22%) as average but I think that's a scale problem: claims infra is still maturing. As Root grows LAE normalizes allowing the full underwriting edge to shine through"  
[X Link](https://x.com/_Jimmy_Wang_/status/1970697932883272075)  2025-09-24T03:52Z [--] followers, [---] engagements


"No DD needed when the founder is literally breaking everything down on X for free 😂 Brb selling everything else n going all in $FOUR @booya1961 @bobspaysubstack @tlaubers @X I don't mind the negative sentiment.the stock has not been performing well of late. At the same time the numbers don't lie. Our strategy and execution are awesome and as a result FOUR has been one of the best-performing fintechs since our IPO (a 90% return on FOUR compared to @booya1961 @bobspaysubstack @tlaubers @X I don't mind the negative sentiment.the stock has not been performing well of late. At the same time the"  
[X Link](https://x.com/_Jimmy_Wang_/status/1970954858950951234)  2025-09-24T20:53Z [--] followers, [---] engagements


"Love this response from $ROOT's CFO when asked for q/q GWP guidance after a record-breaking y/y GWP growth in Q1 [----] on the earnings call"  
[X Link](https://x.com/_Jimmy_Wang_/status/1975320914167537997)  2025-10-06T22:03Z [--] followers, [---] engagements


"@SayNoToTrading $ROOT $LMND is an obvious choice 👍"  
[X Link](https://x.com/_Jimmy_Wang_/status/1975345837774676270)  2025-10-06T23:42Z [--] followers, [---] engagements


"Excerpt from Alex Timms opening remarks on $ROOT's Q4 [----] earnings call🤌🏻🤌🏻: "At Root it's all about the long-term. That means we invest our capital to drive intrinsic value creation based on an economic framework over the life of the customer not calendar period results. At times this framework can be at odds with being a public company. However we believe this creates a tremendous opportunity for long-term investors.""  
[X Link](https://x.com/_Jimmy_Wang_/status/1975653181372973520)  2025-10-07T20:03Z [--] followers, [---] engagements


"One of my favorite follows for clear thoughtful insights on the insurance industry and tune out the noise from people pumping insurance stocks on top-line growth/imagination. @CedarStResearch love your content 🙏 and enjoyed reading your Lemonade report on your website. $ROOT $LMND $PRG $HIPO $ALL If your interested in how $ROOT manages their capital contributions and dividends between the holding company CAR and their statutory subsidiaries here is the YTD June [--] [----] statutory financials. Explanation in the thread / images I posted below. If your interested in how $ROOT manages their"  
[X Link](https://x.com/_Jimmy_Wang_/status/1977065545674723337)  2025-10-11T17:35Z [--] followers, [---] engagements


"Amid the volatility caused by tariffs one high-quality compounder has been holding up well. Ive published a deep dive on Dino Polska ( $DNP $DNOPY $DNP.WA) exploring its strong fundamentals competitive moats and growth prospects. https://open.substack.com/pub/jimmywang1/p/dino-polska-the-walmart-of-polandr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/jimmywang1/p/dino-polska-the-walmart-of-polandr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/_Jimmy_Wang_/status/1908669292469735493)  2025-04-05T23:53Z [---] followers, [---] engagements


"Disclaimer: I currently do have a position in Dino Polska ( $DNP $DNOPY $DNP.WA)"  
[X Link](https://x.com/_Jimmy_Wang_/status/1908669617691910526)  2025-04-05T23:54Z [---] followers, [---] engagements


"$DNP $DNOPY $DNP.WA Despite a slowdown in [----] Dino Polskas durable moats powered continued growth and their [----] outlook only sharpened my conviction. This is the kind of business I believe will deliver exceptional market-beating returns for years to come"  
[X Link](https://x.com/_Jimmy_Wang_/status/1916302732757242316)  2025-04-27T01:25Z [---] followers, [---] engagements


"🚨 Dino Polska ( $DNP $DNP.WA #DNOPY) just dropped [--] bombshells in its latest Ordinary General Meeting. Let's unpack what this could mean for Poland's fastest-growing grocery chain 🧵👇"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058572947427642)  2025-06-17T19:34Z [---] followers, [---] engagements


"Love the perspective. Personally I find it tough to project the store count [--] years out. But I would say in the near term (to 2028) it is fairly likely for Dino $DNP.WA to grow its store count at 15% CAGR given its historical DC capacity management commentary on store growth and the lack of regional coverage on the east side of Poland. https://twitter.com/i/web/status/1975314247161909614 https://twitter.com/i/web/status/1975314247161909614"  
[X Link](https://x.com/_Jimmy_Wang_/status/1975314247161909614)  2025-10-06T21:36Z [---] followers, [---] engagements


"Buying Dino $DNP.WA $DNOPY today is like buying it back in Sept 2024"  
[X Link](https://x.com/_Jimmy_Wang_/status/1976299635946729921)  2025-10-09T14:52Z [---] followers, [---] engagements


"The expansion that we all love to see as $DNP.WA $DNP shareholders 👌👌 Might have to revisit Sam Waltons book Made in America soon DINO OTWORZY PIERWSZY SKLEP W WARSZAWIE RUSZYA BUDOWA - WIADOMOSCI HANDLOWE $DNP.WA Zawady to takie "Beverly Hills" Wilanowa 😎. "Ostoja Vogla" "Riverside Residence "Villa Flora" a tu Dino :) "Przeciwko sklepowi Dino na Zawadach protestuje cz mieszkacw. Ju w [----] r. https://t.co/cOBx730Ipm DINO OTWORZY PIERWSZY SKLEP W WARSZAWIE RUSZYA BUDOWA - WIADOMOSCI HANDLOWE $DNP.WA Zawady to takie "Beverly Hills" Wilanowa 😎. "Ostoja Vogla" "Riverside Residence "Villa"  
[X Link](https://x.com/_Jimmy_Wang_/status/1942634430256013447)  2025-07-08T17:18Z [---] followers, [---] engagements


"@skhetpal Looks a lot like $DNP.WA $DNP. Low-cost leader one of the most profitable discount retailers in Poland large n growing store footprint high ROIC and a quality compounder doing boring simple things"  
[X Link](https://x.com/_Jimmy_Wang_/status/1945561559662579843)  2025-07-16T19:09Z [---] followers, [---] engagements


"1/ 🚨 One of the most promising microcap stocks in the education space just became completely uninvestable (IMO). It has excellent growth expanding margins and a founder-led team. But theres one thing theyre hiding in plain sight 🧵 $LGCY"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910814754894008)  2025-07-23T06:45Z [---] followers, [----] engagements


"2/ Legacy Education ($LGCY) is a California-based for-profit education group focused on the healthcare sector. - strong tailwind - 25% enrollment CAGR. - 22.4% rev & 38.85% EBIT CGAR (22'-24) - Founder owns 9%. On paper it looks like a small-cap compounder in the making"  
[X Link](https://x.com/_Jimmy_Wang_/status/1947910816898158729)  2025-07-23T06:45Z [---] followers, [---] engagements


"Here is a direct link to my $LGCY deep dive on Substack. Spent all day yesterday putting it together - would really appreciate it if you guys could give it a read. As always open to any and all feedback https://open.substack.com/pub/jimmywang1/p/legacy-education-deep-diver=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/jimmywang1/p/legacy-education-deep-diver=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/_Jimmy_Wang_/status/1948059063839072322)  2025-07-23T16:34Z [---] followers, [---] engagements


"Dino Polska ( $DNP.WA $DNP) just did a 10-for-1 split. You now get [--] pieces of this Polish retail juggernaut for the price of [--]. Kinda like shopping at Dino: ✅More for less ✅Always fresh ✅And still massively underrated Here's why Dino might be Polands Walmart in the making🧵"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937461376610316)  2025-07-31T15:11Z [---] followers, [----] engagements


"$DNP.WA $DNP Dino keeps executing - 1H 25' Earnings🦖 Store count +89 in Q2 +147 YTD 1H rev +14.8% Q2 rev +19% y/y 1H LFL +4.8% (5.7% food CPI) Q2 LFL +8.8% (Easter shift) EBIT 6.12% & EBITDA 7.54% in Q2 y/y Strong BS Peers H1 LFL: abka +6.1% Biedronka +0.9%"  
[X Link](https://x.com/_Jimmy_Wang_/status/1958628134640918921)  2025-08-21T20:31Z [---] followers, [----] engagements


"$dnp.wa $dnp down 7% at the open due to missing the consensus & broader market sell off (WIG 20). All I see is more buying opportunity"  
[X Link](https://x.com/_Jimmy_Wang_/status/1958794972096077986)  2025-08-22T07:34Z [---] followers, [---] engagements


"The market punished Dino Polska $DNP.WA $DNP with a 7% drop post-earnings but nothing in the fundamentals changed. 🤔 Why I think the selloff is noise (and an opportunity) 👇 https://open.substack.com/pub/jimmywang1/p/dino-polska-1h-earnings-updater=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/jimmywang1/p/dino-polska-1h-earnings-updater=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/_Jimmy_Wang_/status/1959304002845147598)  2025-08-23T17:17Z [---] followers, [---] engagements


"$DNP.WA $DNP Q3 25' Earnings🦕 - Store count +98 expect to grow store count by 20% for FY [----] (290 more stores to come by EOY) - Revenue +15.17% y/y - LFL +4.4% (4.6% food CPI) - expect to see mid-single-digit LFL sales growth in [----] - EBIT 7.1% & EBITDA 8.6% Others: - Completed the construction of the distribution center in Brzeg in Q3 [----] and will launch in Q4 - Insider share purchase: Marcin Jdraszak a Management Board Member & Sawomir Jakszuk (Supervisory Board Member) Peers (Q3) LFL: abka +4.5% Biedronka +3.6% Revenue: abka +13.6% Biedronka +7.4%"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986527789047296402)  2025-11-06T20:15Z [---] followers, [----] engagements


"Dino Polska reminds me of a Heads I win Tails I dont lose much setup. Why $DNP.WA $DNOPY $DNP Because the Polish grocer runs a vertically integrated closed-loop system. ✅In-house meat processing plants (Agro-Rydzyna) that account for 15% of total sales ✅An in-house construction department to standardize and build stores ✅A buy the land own the stores model instead of renting ✅A robust distribution & logistics system ✅Expansion financed with retained profits and minimal debt On the surface these may just look like operational efficiencies. But the real edge is predictability. Most retailers"  
[X Link](https://x.com/_Jimmy_Wang_/status/1964394160255074427)  2025-09-06T18:23Z [---] followers, [---] engagements


"One downside of owning a foreign company as a US investor Zero news zero chatter especially in a boring industry with a boring business model. $DNP.WA $DNOPY $DNP Maybe I've been brainwashed by the constant hype & senseless takes on X. But the silence around Dino Polska is honestly refreshing. No noise. Just a Polish grocery chain quietly executing its plan. Anyway [--] quick updates: [--] Q3 store count: They added [--] stores (now at [----] total). If management wants to hit their "high teens" growth target they'll need to open [------] (signaling a 15-20% y/y growth) more in Q4. Doable but hitting"  
[X Link](https://x.com/_Jimmy_Wang_/status/1974280039132020792)  2025-10-04T01:06Z [---] followers, [---] engagements


"Since Dino Polskas IPO in [----] we havent seen any insider buying. $DNP.WA $DNOPY $DNP 🚨That just changed: Supervisory Board member Sawomir Jakszuk disclosed a purchase - [----] shares @ 42.86PLN Insiders sell for many reasons but they buy for only one. 👀👀👀"  
[X Link](https://x.com/_Jimmy_Wang_/status/1974281031332278424)  2025-10-04T01:10Z [---] followers, [---] engagements


"Since my $DNP.WA $DNP deep dive earlier this year I realized I had misread managements guidance and took the new store count growth as total store count growth (thanks to someone who pointed it out in my recent Q3 earnings recap). It was a simple but costly oversight that led to an overstated projection and valuation. Ive now corrected the model using FY2024 results as the baseline updated the revenue growth assumptions to reflect the appropriate store expansion rate reduced the expense ratio to around 6% of EBIT as Dino Polska increasingly funds growth with internal cash flow and made a"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986900317922017707)  2025-11-07T20:55Z [---] followers, [---] engagements


"1. Stock Split Details: 📈 Dino Polska approved a 10-for-1 stock split 👉 Reduce nominal share value from PLN [----] to PLN [----]. 👉 Total shares jump from 98M 980M (but market cap stays the same). Why do this"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058574562193754)  2025-06-17T19:34Z [--] followers, [--] engagements


"3. Dino just updated its PKD codes which define the legal scope of a company's activities in Poland. 📦 What did they add A lot more than just groceries. Here is the list of newly added PKD codes:"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058578601296236)  2025-06-17T19:34Z [--] followers, [--] engagements


"4. What does this mean 🧠 Historically Dino Polska has driven growth through store expansion with minimal advertising & marketing. These new PKD codes signal a strategic shift in its approach to marketing and retail media"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058580618756216)  2025-06-17T19:34Z [--] followers, [--] engagements


"5. My take: 🔍 📈Stock Split: good short-term move for retail sentiment 📦PKD additions: long-term signal that Dino is evolving into a platform not just a supermarket Still early days but fascinating setup"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058582304866589)  2025-06-17T19:34Z [--] followers, [---] engagements


"8. What do you think Is Dino Polska positioning itself to be Polands version of Walmart Would love to hear your thoughts. 👇"  
[X Link](https://x.com/_Jimmy_Wang_/status/1935058583571546324)  2025-06-17T19:34Z [--] followers, [---] engagements


"Dino Polska was founded in [----] by Tomasz Biernacki who leaned on his familys meat-processing roots to launch a rural-focused grocer with a fresh meat counter in every store. From day one: simple model big vision"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937464383701044)  2025-07-31T15:11Z [--] followers, [---] engagements


"The stock might be near ATHs BUT it trades at 32.4x LTM P/E vs a median of 37.1x and just 25x forward P/E vs a median of 27x. Sounds like a great bargain especially with 20% EPS CGAR growth ahead and a massive runway to keep compounding 📈"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937492133187900)  2025-07-31T15:11Z [--] followers, [--] engagements


"Dino Polska might look small post-split. But dont let the price fool you - the fundamentals are massive. A dominant niche player compounding quietly. Heres my deep dive for the full thesis https://jimmywang1.substack.com/p/dino-polska-the-walmart-of-poland https://jimmywang1.substack.com/p/dino-polska-the-walmart-of-poland"  
[X Link](https://x.com/_Jimmy_Wang_/status/1950937495866151301)  2025-07-31T15:12Z [--] followers, [---] engagements


"Ive been digging into $ROOT lately. Heres why it caught my eye: [--]. A Full-stack insurtech w/ proven telematics tech that can derive superior underwriting outcomes through its industry-leading Loss Ratio (58.9% FY 2024) [--]. Just 0.365% share of a $360B auto TAM (NAIC FY24) operating in only 35/50 states [--]. Small-cap $1.5B trades at 21.7x P/E 10x EV/EBIT 1.2x P/S. 👉 comps: $HIPO 2.2x $LMND 7.5x [--]. Hyper-focused on auto (with a tiny renters and homeowners insurance biz on its books) [--]. Strong top-line growth fueled by its geographic expansion embedded partnership and opportunistic direct channel"  
[X Link](https://x.com/_Jimmy_Wang_/status/1970342828682445150)  2025-09-23T04:21Z [--] followers, [---] engagements


"Progressive $PGR is getting punished (along with the rest of the sector) for being too profitable in Florida. Make it make sense 😂 $ROOT $ALL $CB"  
[X Link](https://x.com/_Jimmy_Wang_/status/1978502820643942713)  2025-10-15T16:46Z [--] followers, [---] engagements


"🚗 Deep dive: Why I think $ROOT is one of the BEST small-cap opportunities in the market right now. 🧵A thread on how a disciplined insurtech is quietly turning profitable finding its edge and setting up for multi-bagger potential (sorry not everything is a 100x). 👇"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382943232725133)  2025-10-18T03:04Z [--] followers, [----] engagements


"1/ 📱 $ROOT is a full-stack auto insurer built on a simple idea: ❝Price insurance based on how you drive not who you are.❞ Founded in [----] by actuary Alex Timm and ex-Braintree CTO Dan Manges Root built its own underwriting and claims stack from the ground up. Owning the full stack gives Root control of both its data and feedback loop which most fail to replicate"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382945342460235)  2025-10-18T03:04Z [--] followers, [---] engagements


"2/ 📢Auto insurance is the #1 advertised product in the U.S. even though every driver is required to buy it. Competing with giants like GEICO and Progressive on ad spend is a losing game. $ROOT's edge comes instead from its telematics underwriting and embedded partnerships allowing it to acquire customers efficiently and price risk with far greater accuracy"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382948253343878)  2025-10-18T03:04Z [--] followers, [---] engagements


"3/ 💰The U.S. auto insurance market is $360B and $ROOT's share is just 0.36%. Its licensed in [--] of [--] states most recently adding Washington leaving roughly 20% of U.S. population still unable to access its product.🌎"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382956465754266)  2025-10-18T03:04Z [--] followers, [---] engagements


"4/ 🚘 $ROOT filters out risky drivers from the start. New customers take a short test drive in the app and high-risk drivers simply dont get quoted. For customers who need instant coverage or come through partners Root blends telematics with traditional underwriting data"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382959397572697)  2025-10-18T03:04Z [--] followers, [---] engagements


"5/ 🔁From [----] to early [----] Root went through a tough reset. 📉It raised rates halved its policy base and cut Sales & Marketing from $280M to $48M. Despite the pullback Root kept improving its telematics underwriting model tightened cost discipline and innovated through new channels like embedded distribution. By Q3 [----] Roots combined ratio fell below 100% marking its first period of consistent underwriting profitability.💪"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382962627215556)  2025-10-18T03:04Z [--] followers, [---] engagements


"8/ 📈Growth from here will come from three levers: [--] State expansion into the remaining [--] states [--] Direct digital channel with improved brand awareness and disciplined CAC 3Partnership growth through embedded and independent agent distribution"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382971426836511)  2025-10-18T03:04Z [--] followers, [---] engagements


"9/ 🤝Embedded is the quiet powerhouse. $ROOT has exclusive partnerships with Carvana and Hyundai Motor Group. To put things in perspective Hyundai sells 2M vehicles a year & Carvana sells 450K vehicles a year. (@KabraxFX has more detailed info on this) By integrating at the point of sale Root is finding an edge in this channel using its tech stack to deliver a seamless insurance experience"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382974060859718)  2025-10-18T03:04Z [--] followers, [---] engagements


"11/ 📊 $ROOT is not going to replace GEICO or Progressive anytime soon and it may never need to. But at its current scale earnings growth trajectory cheap valuation and strong management discipline Root presents a VERY compelling case. It trades around 0.9x P/S 0.6x EV/Sales and 16x earnings despite showing underwriting strength and a massive runway ahead. Comparable companies: $PGR 1.6x P/S 1.6x EV/Sales & 12.4x earnings $LMND 5.9x P/S 5.5x EV/Sales & unprofitable atm"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382979471544822)  2025-10-18T03:04Z [--] followers, [---] engagements


"13/ $ROOT is no longer a hype-era insurtech. It is a disciplined data-driven insurer entering its profitable growth phase. 📝Ill have a full write-up on my Substack soon breaking down the thesis growth levers valuation and risk factors in detail. Follow me here for updates and the deep dive. ✍ $ROOT 🚀"  
[X Link](https://x.com/_Jimmy_Wang_/status/1979382980994044301)  2025-10-18T03:04Z [--] followers, [---] engagements


"Ive been slacking on publishing this deep dive but its finally out. And I think $ROOT is the most undervalued turnaround in the market right now. ✅Tiny market share ✅Industry-leading loss ratio w/ proven telematics model ✅Strong growth runway (top & bottom line) ✅Founder-led ✅Dirt-cheap valuation https://open.substack.com/pub/jimmywang1/p/root-insurance-root-the-most-undervaluedr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/jimmywang1/p/root-insurance-root-the-most-undervaluedr=1t76ho&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/_Jimmy_Wang_/status/1984021083708911985)  2025-10-30T22:14Z [---] followers, [----] engagements


"Investing is simple in theory but our emotions make it hard in practice. Loved this episode with Clay Fink @Clay_Finck and David Gardner @DavidGFool. David's line hit home: If every American treated their money (investment) like their sports team wed have so much more prosperity. Cant wait to read his book. TIP never misses"  
[X Link](https://x.com/_Jimmy_Wang_/status/1985150907038986731)  2025-11-03T01:03Z [---] followers, [----] engagements


"All eyes on $ROOT report AH 👀 $LMND Lemonade Q325 Earnings Highlights 🔹 Revenue: $194.5M (Est. $184.9M) 🟢; UP +42% YoY 🔹 EPS (GAAP): ($0.51) (Est. ($0.70)) 🟢 🔹 Gross Earned Premium: $274.7M; +29% YoY 🔹 Customers: 2.87M; UP +24% YoY 🔹 In-Force Premium (IFP): $1.16B; UP +30% YoY 🔹 Premium per https://t.co/d8CuA7aH7V $LMND Lemonade Q325 Earnings Highlights 🔹 Revenue: $194.5M (Est. $184.9M) 🟢; UP +42% YoY 🔹 EPS (GAAP): ($0.51) (Est. ($0.70)) 🟢 🔹 Gross Earned Premium: $274.7M; +29% YoY 🔹 Customers: 2.87M; UP +24% YoY 🔹 In-Force Premium (IFP): $1.16B; UP +30% YoY 🔹 Premium per"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986169741153829129)  2025-11-05T20:32Z [---] followers, [---] engagements


"$ROOT Q3 Earnings - Double beat on revenue & EPS SNAPSHOT: ✅ Policies in Force +14.5% y/y; Premium per Policy 2.2% q/q ✅Gross Premium Written +17% y/y ✅Revenue +27% y/y ✅Loss + LAE ratio 66% (slight uptick as expected) ❌Net income $5.4M driven by $17M non-cash Carvana warrant expense and elevated investment spend both expected DISTRIBUTION CHANNELS: Partnerships: 2x new writings y/y led by IA with 3x y/y growth and 50% of partnership new writings Direct: new writings up sequentially by high single digits PRODUCT & PRICING: New pricing and UBI models expected to lift LTV by 20% on average and"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986199310787354763)  2025-11-05T22:29Z [---] followers, [----] engagements


"Some takeaways from $ROOT's earnings call: Competitive backdrop: Rate increases are moderating and peers are still spending heavily yet ROOT is accelerating growth across all channels. Severity: Recent severity uptick remains within normal fluctuation. IA momentum: The IA channel has been one of the most attractive near-term growth levers. Channel mix: Partnership channel carries higher average premium. PIF trend: October PIF continues to accelerate; no signs of slowdown. Tariffs: No meaningful impact observed. Overall a solid quarter. Im genuinely surprised by how quickly the IA channel has"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986204566367666540)  2025-11-05T22:50Z [---] followers, [---] engagements


"My main takeaways from $ABNB's earnings: [--]. Airbnb has the best-looking shareholder letter in the industry [--]. Brians go-to growth riff: "9 in [--] people stay in hotels" All jokes aside here are the Q3 results: - 🟢Beat on Revenue & 🔴Miss EPS by 4% - Gross Booking Value (GBV) + 14% y/y - Nights & Seats Booked +9% y/y - Revenue + 10% y/y - Net Income $1.4B (34% Net income margin) Notable Updates: [--] Repurchased $857 million of its Class A common stock [--] Launched Reserve-Now-Pay-Later in the US domestic travel for selective groups [--] Starting in [----] expect the long-term effective tax rate to"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986593766820770268)  2025-11-07T00:37Z [---] followers, [---] engagements


"As a $ABNB shareholder I believe Airbnb will likely keep trading sideways much like it has since the IPO until meaningful revenue reacceleration. I like the ambition to launch at least one multi-billion-dollar opportunity a year the new-biz incubation model and the aggressive product improvements q/q but none of it matters if it does not show up in revenue. I know this is a multi-year transition beyond the core but it is slightly disappointing to see limited (close to none) translation to the top line quarter after quarter. All in all my thesis still holds and I love the product as a frequent"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986655504496734545)  2025-11-07T04:42Z [---] followers, [---] engagements


"Sometimes achieving superior results means enduring short-term pain and staying patient through market irrationality. As Buffett said Be fearful when others are greedy and greedy when others are fearful. Roots post-earnings drawdown might just be one of those moments. $ROOT Small caps have the highest upside but the also the highest chance of driving an investor mad A 2x GP business that will likely have a 10% net income margin in 3-5 years with 20%+ Gross Profit per Share CAGR will put up a 27% topline number and investors will sell it off https://t.co/OPLxh1ZbEY Small caps have the highest"  
[X Link](https://x.com/_Jimmy_Wang_/status/1986882360189853775)  2025-11-07T19:44Z [---] followers, [---] engagements


"@bobspaysubstack Lets throw $FOUR into the mix 👍"  
[X Link](https://x.com/_Jimmy_Wang_/status/1989385615788708323)  2025-11-14T17:31Z [---] followers, [---] engagements


"As I dig through $FOUR filings two things stand out that say a lot about Jared Isaacman as a founder 👇 $FOUR has a related-party agreement giving it access to Jareds aircraft & property In [----] Jared personally funded half of a discretionary equity award for non-management employees contributing 111k Class C shares himself Built Shift4 from his parents garage at [--] multi-billion biz. Founder-led mentality through & through"  
[X Link](https://x.com/_Jimmy_Wang_/status/1989407328186372553)  2025-11-14T18:57Z [---] followers, [----] engagements


"@IG_Rakan Dont forget abt Brendan Lauber Jareds best friend who left Rutgers after a year to help start United Bank Card. Hes also Taylors cousin and introduced him to the company in the early 2000s. 👍"  
[X Link](https://x.com/_Jimmy_Wang_/status/1989488070870413342)  2025-11-15T00:18Z [---] followers, [--] engagements

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