[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.] #  @andycyau Andy Yau Andy Yau posts on X about $root, $cvna, $pgr, hyundai the most. They currently have XXXXX followers and 1272 posts still getting attention that total XXX engagements in the last XX hours. ### Engagements: XXX [#](/creator/twitter::1497377870464831492/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXX -XXXX% - X Months XXXXXXX +159% - X Year XXXXXXXXX +45,560% ### Mentions: XX [#](/creator/twitter::1497377870464831492/posts_active)  - X Week XX -XX% - X Month XXX -XX% - X Months XXX +171% - X Year XXXXX +11,182% ### Followers: XXXXX [#](/creator/twitter::1497377870464831492/followers)  - X Week XXXXX +1.80% - X Month XXXXX +30% - X Months XXXXX +273% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1497377870464831492/influencer_rank)  ### Social Influence [#](/creator/twitter::1497377870464831492/influence) --- **Social category influence** [stocks](/list/stocks) [cryptocurrencies](/list/cryptocurrencies) [automotive brands](/list/automotive-brands) [finance](/list/finance) **Social topic influence** [$root](/topic/$root) #31, [$cvna](/topic/$cvna) #135, [$pgr](/topic/$pgr) #14, [hyundai](/topic/hyundai) #1025, [has been](/topic/has-been), [$tsla](/topic/$tsla) #879, [insurance](/topic/insurance) #1632, [$sofi](/topic/$sofi) #221, [$hood](/topic/$hood) #942, [$lmnd](/topic/$lmnd) #443 **Top assets mentioned** [The Root Network (ROOT)](/topic/$root) [Carvana Co. (CVNA)](/topic/$cvna) [Progressive Corp (PGR)](/topic/$pgr) [Tesla, Inc. (TSLA)](/topic/$tsla) [RAI Finance (SOFI)](/topic/$sofi) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Chewy, Inc. (CHWY)](/topic/$chwy) [Return to Beginnings (ROOTS)](/topic/$roots) [Toyota Motor Corporation (TM)](/topic/$tm) [Ryan Specialty Group, Inc. (RYAN)](/topic/$ryan) [Goosehead Insurance, Inc. Class A Common Stock (GSHD)](/topic/$gshd) ### Top Social Posts [#](/creator/twitter::1497377870464831492/posts) --- Top posts by engagements in the last XX hours "for those who are wondering why $PGR's combined ratio jumped over 100%+ in September this is the commentary made around it. $PGR had to record a 950m policyholder credit" [X Link](https://x.com/andycyau/status/1978447295608705108) [@andycyau](/creator/x/andycyau) 2025-10-15T13:06Z 1196 followers, 2074 engagements "$root is now trading lower than what it was 18+ mos ago despite now TTM profitable on track to do 2x+ revenue & have built networks with the largest auto players including $tm & Hyundai & many others to come. When the stock is broken but the fundamentals are firing on all cylinders. Thats the easiest opportunity one can take" [X Link](https://x.com/andycyau/status/1975280136795922896) [@andycyau](/creator/x/andycyau) 2025-10-06T19:20Z 1192 followers, 3614 engagements "Few understand this but $ROOT will be the $TSLA of insurance eclipsing $PGR in a decade. buying $ROOT at these levels today after a XX% haircut is like buying The modern bank $SOFI at $X OR the modern brokerage $HOOD at $X OR $PGR at X cents in 1980 These are the times to be buying hands over fist for generational wealth" [X Link](https://x.com/andycyau/status/1979937179540263319) [@andycyau](/creator/x/andycyau) 2025-10-19T15:46Z 1192 followers, 6042 engagements "This is why everyone is so early to $root. $Cvna has been a partner of $root for 4+ years now. $root recent quarter had their partnership channel growing at 3x YoY. Although $Cvna is a great partner that XXX% growth is mostly outside of the $cvna arm as $Cvna growth has been consistent - not explosive. Also $root has dozens of major partners - not just one majority partner. Though not to discount $cvna as e.garcia has high ambitions with $Cvna selling 3m units annually within 5-10 years. That will be ultimately be contributory of 3+ billion in annual revenue growth. It is way too early here" [X Link](https://x.com/andycyau/status/1979986184823599541) [@andycyau](/creator/x/andycyau) 2025-10-19T19:01Z 1191 followers, 3070 engagements "You have no clue. When $sofi or $ld sells and packages their loans its considered okay but its considered wrong when $Cvna does it Or is it cooking the books when every dealership recognizes revenue upfront per unit sale Or do you not understand that subprime yields of 20-30% are worth more for GPU When was $Cvna ever XX% of $root s books when the partnership channel was only XX% of $root s books a year ago even if $Cvna had a percentage of the books it doesnt even matter when their defaults of overall loans are 5%. Also insurance is paid in ADVANCE not in arrears where insurers can cut" [X Link](https://x.com/andycyau/status/1980000814295867880) [@andycyau](/creator/x/andycyau) 2025-10-19T19:59Z 1195 followers, XXX engagements "@danielisdizzy Exactly $Cvna is awesome but there are multiple larger ones that $root has in the works that onlookers dont know about" [X Link](https://x.com/andycyau/status/1980008425862910417) [@andycyau](/creator/x/andycyau) 2025-10-19T20:29Z 1192 followers, XXX engagements "you're showing your true amateur colors by saying: "if a stock goes down it must suck" where you have no understanding of the basis. no wonder they say retail can't beat the index. theres a reason why institutions are buying hands over fist at low. QoQ institutions have increased their positions by 21%. based on $ROOT vesting schedule with $CVNA warrants you're not even close with your "30% basis" as you need to take into account of ADR as well. $ROOT hasn't even hit their other LT trenches. if you've actually done your research you would have known your basis is straight FUD. and EVEN if" [X Link](https://x.com/andycyau/status/1980016427215032751) [@andycyau](/creator/x/andycyau) 2025-10-19T21:01Z 1195 followers, XXX engagements "@fedex774 huge misconception. ROOT will do a multiple of growth versus $LMND due to ROOT's distribution channels where they can scale infinitely without upfront capital" [X Link](https://x.com/andycyau/status/1980017943812382941) [@andycyau](/creator/x/andycyau) 2025-10-19T21:07Z 1191 followers, XX engagements "@AXDWealth i guess you didn't understand the vested $ROOT warrants lol because you're repeating yourself. okay case closed. or was it that you didn't understand what $CVNA does because you clearly think $CVNA is "cooking books"" [X Link](https://x.com/andycyau/status/1980019484178923783) [@andycyau](/creator/x/andycyau) 2025-10-19T21:13Z 1192 followers, XXX engagements "LOL exactly what i thought you'll source. you "read" something online and now thats your "holygrail" short thought thesis". a sheep will always be a sheep while institutions load up heavily. i've debunked this before from other clueless $CVNA shorts. happy to debunk it again for you. which line item would you want to discuss" [X Link](https://x.com/andycyau/status/1980021015083442592) [@andycyau](/creator/x/andycyau) 2025-10-19T21:19Z 1191 followers, XXX engagements "LOL. looks like a sheep being a sheep and following his "bear thesis" based on what he read online. i've rebuttal'd this multiple times with multiple other misunderstood $CVNA shorts. which line item did you want to discuss to be clear there is nothing wrong originating subprime loans at 20-30% yields with X% default rates as the net yield is massive either through holding the notes or packaging to sell" [X Link](https://x.com/andycyau/status/1980023668731511097) [@andycyau](/creator/x/andycyau) 2025-10-19T21:30Z 1195 followers, XXX engagements "if this isn't indicative of growth i don't know what is. $ROOT hires a new CISO stealing a talent from $CHWY. Srini left a 17B co to join a sub 1.4b insuretech this is in addition to $ROOT looking to hire a "chief of staff". you don't hire a COS unless you expect massive growth to come this is what you call GROWTH MODE" [X Link](https://x.com/andycyau/status/1973165750216257785) [@andycyau](/creator/x/andycyau) 2025-09-30T23:19Z 1194 followers, 5237 engagements "@TheEUInvestor @longoption @KabraxFX i can see it already. $ROOT partners with $TRUP and then works out another partnership with $CHWY" [X Link](https://x.com/andycyau/status/1973166092710453483) [@andycyau](/creator/x/andycyau) 2025-09-30T23:20Z 1194 followers, XXX engagements "The absolute worst article ever lol. You dont use book value to valuate a small growth cap. just look at $ryan which has -4b in tangible equity but yet trades at 10x roots valuation despite doing similar NI. You also cant utilize ROE metrics on growth names. Its like saying all MAG 7s were bad investments because they were unprofitable and had negative ROE. Root at peak traded at XXXXXX and was losing 500m annually. That will skew any metric. Today its on its way to making 300m next year but yet trades at an XX% discount to ATH & over XX% discounted since X months ago" [X Link](https://x.com/andycyau/status/1973451312634224874) [@andycyau](/creator/x/andycyau) 2025-10-01T18:13Z 1190 followers, XXX engagements "$ROOT today's price action was all short selling with XX% short volume. thats pretty much how it works around here. MM short sells aggressively for a couple weeks before they start covering aggressively" [X Link](https://x.com/andycyau/status/1974237376303050947) [@andycyau](/creator/x/andycyau) 2025-10-03T22:17Z 1189 followers, 5530 engagements "look at what ROOT is doing at the partnership channel which makes up more than XX% of new writings for the 500b+ auto TAM. ROOT has built the first and only embedded platform with a car dealer - $CVNA first FULLY customized platform with an agency - $GSHD and now first and only embedded platform with an OEM - Hyundai. Legacy insurers working on mainframes would take years to implement the same sort of setup that ROOT has and even then major players are staying away from legacy since it would take them months to make simple code adjustments. Thats where ROOT is coming in and partnering with" [X Link](https://x.com/andycyau/status/1974978761977204886) [@andycyau](/creator/x/andycyau) 2025-10-05T23:23Z 1194 followers, XXX engagements "JUST IN HOLY $ROOT SI INCREASED by XXXXX% or 300000 shares. with float nearly 100%+ owned this is MASSIVE. AT DAWN WE RIDE" [X Link](https://x.com/andycyau/status/1976389556753637563) [@andycyau](/creator/x/andycyau) 2025-10-09T20:49Z 1194 followers, 17.2K engagements "got a ton of capital coming in from my business soon. thinking about buying even more $ROOT at these extremely discounted levels with a forward P/E in the 4's. its time to tie up more of the float for the incoming short squeeze" [X Link](https://x.com/andycyau/status/1976657904930574738) [@andycyau](/creator/x/andycyau) 2025-10-10T14:35Z 1189 followers, 2216 engagements "How much would you pay for a stock that could become bigger than $PGR by the end of the decade The insurance equivalent of $HOOD or $TSLA 10B 20B 30B or 50B $ROOT insurance is changing the industry but trades at a 1.3B mcap. i'll gladly pay 10x+ for $ROOT TODAY" [X Link](https://x.com/andycyau/status/1978100847109194146) [@andycyau](/creator/x/andycyau) 2025-10-14T14:09Z 1190 followers, 1997 engagements "shorts sunk over 2m+ SI into $ROOT recently and they are now looking to cover aggressively pre-earnings after shaking out paper hands. V shape recovery incoming. Don't let these short crooks cover easily" [X Link](https://x.com/andycyau/status/1978105737621442647) [@andycyau](/creator/x/andycyau) 2025-10-14T14:28Z 1190 followers, 4158 engagements "$ROOT is partnering with the largest players in the auto industry including Hyundai & Toyota & many other major players to come. It is also beating legacy insurers in key metrics all around. has the potential to be larger than $PGR in the next decade but trades at less than 1/100x in size" [X Link](https://x.com/andycyau/status/1978158001367208406) [@andycyau](/creator/x/andycyau) 2025-10-14T17:56Z 1190 followers, 8320 engagements "$ROOT is seeing extremely bullish option flow in today's move backed with 3700+ contracts or 370000 shares - a large percentage of $ROOT's available float" [X Link](https://x.com/andycyau/status/1978178956193824992) [@andycyau](/creator/x/andycyau) 2025-10-14T19:19Z 1191 followers, 1672 engagements "$root would need a XX% CR on average in the past X years for it to even be considered with the same isolated credit issues in Fl for $pgr. short sellers would take it down at any chance they get" [X Link](https://x.com/andycyau/status/1978542314323620002) [@andycyau](/creator/x/andycyau) 2025-10-15T19:23Z 1190 followers, 2247 engagements "shopping generally falls off in the fall. its not fair to put sep PIF growth in the same category to August. so more seasonal if anything for $PGR. on the bright end retention is much better in those months which helps other insurers who have weaker CAC performance or high ADR ROOT has been going through this since 2024. not a new challenge and competition is indeed fierce for a long time now. though ROOT has shifted to partnership policy growth" [X Link](https://x.com/andycyau/status/1978585410654830723) [@andycyau](/creator/x/andycyau) 2025-10-15T22:14Z 1191 followers, XX engagements "@CedarStResearch @punderfultweet i think the market will be surprised how well ROOT does on the IA channel. you did buy $PGR before you bought ROOT" [X Link](https://x.com/andycyau/status/1978599051646861371) [@andycyau](/creator/x/andycyau) 2025-10-15T23:09Z 1190 followers, XXX engagements "@punderfultweet @CedarStResearch i do think $PGR at these levels are attractive. it hasn't been a good year for them- price performance wise but fundamentally they have been solid. glad to see you own some ROOT i do prefer ROOT multiple times over" [X Link](https://x.com/andycyau/status/1978604514937577933) [@andycyau](/creator/x/andycyau) 2025-10-15T23:30Z 1194 followers, XXX engagements "Most of partnership growth is coming from new partners. $cvna has been consistent so that XXX% YoY growth is from elsewhere. Its not Hyundai either as there is no embedded platform but when there is Hyundai will drive significant revenue in the billions annually. Its IAs & other new major partners. Dont sleep in the IA channel. Root has a strong moat there. As for $cvna doing everything in house hits differently than third party lenders. They can control the narrative all around from collections to repos liquidity etc. the worries around $Cvna IMO is overstated & misunderstood" [X Link](https://x.com/andycyau/status/1979278471382622667) [@andycyau](/creator/x/andycyau) 2025-10-17T20:08Z 1194 followers, XXX engagements "@AXDWealth More like you dont understand $cvna nor do you understand $root s partnership makeup of dozens of major partners & thousands of agencies & IAs. Institutions are buying $Cvna hands over fist while retail like you are shorting it. Let that sink in" [X Link](https://x.com/andycyau/status/1979976302691062258) [@andycyau](/creator/x/andycyau) 2025-10-19T18:21Z 1190 followers, XXX engagements "@sixers0321 The stats dont lie" [X Link](https://x.com/andycyau/status/1980112741890433356) [@andycyau](/creator/x/andycyau) 2025-10-20T03:24Z 1194 followers, XX engagements "$lmnd will do well as well. Though the difference with $root and $lmnd is that $root is focused on auto & that they are building distribution channels. The partnerships that $root are building will allow them to grow exponentially without upfront capex which is something $lmnd lacks" [X Link](https://x.com/andycyau/status/1980262113634361445) [@andycyau](/creator/x/andycyau) 2025-10-20T13:17Z 1190 followers, XXX engagements
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@andycyau Andy Yau
Andy Yau posts on X about $root, $cvna, $pgr, hyundai the most. They currently have XXXXX followers and 1272 posts still getting attention that total XXX engagements in the last XX hours.
Engagements: XXX #
- X Week XXXXXX -XX%
- X Month XXXXXXX -XXXX%
- X Months XXXXXXX +159%
- X Year XXXXXXXXX +45,560%
Mentions: XX #
- X Week XX -XX%
- X Month XXX -XX%
- X Months XXX +171%
- X Year XXXXX +11,182%
Followers: XXXXX #
- X Week XXXXX +1.80%
- X Month XXXXX +30%
- X Months XXXXX +273%
CreatorRank: XXXXXXXXX #
Social Influence #
Social category influence stocks cryptocurrencies automotive brands finance
Social topic influence $root #31, $cvna #135, $pgr #14, hyundai #1025, has been, $tsla #879, insurance #1632, $sofi #221, $hood #942, $lmnd #443
Top assets mentioned The Root Network (ROOT) Carvana Co. (CVNA) Progressive Corp (PGR) Tesla, Inc. (TSLA) RAI Finance (SOFI) Robinhood Markets, Inc. (HOOD) Lemonade, Inc. (LMND) Chewy, Inc. (CHWY) Return to Beginnings (ROOTS) Toyota Motor Corporation (TM) Ryan Specialty Group, Inc. (RYAN) Goosehead Insurance, Inc. Class A Common Stock (GSHD)
Top Social Posts #
Top posts by engagements in the last XX hours
"for those who are wondering why $PGR's combined ratio jumped over 100%+ in September this is the commentary made around it. $PGR had to record a 950m policyholder credit"
X Link @andycyau 2025-10-15T13:06Z 1196 followers, 2074 engagements
"$root is now trading lower than what it was 18+ mos ago despite now TTM profitable on track to do 2x+ revenue & have built networks with the largest auto players including $tm & Hyundai & many others to come. When the stock is broken but the fundamentals are firing on all cylinders. Thats the easiest opportunity one can take"
X Link @andycyau 2025-10-06T19:20Z 1192 followers, 3614 engagements
"Few understand this but $ROOT will be the $TSLA of insurance eclipsing $PGR in a decade. buying $ROOT at these levels today after a XX% haircut is like buying The modern bank $SOFI at $X OR the modern brokerage $HOOD at $X OR $PGR at X cents in 1980 These are the times to be buying hands over fist for generational wealth"
X Link @andycyau 2025-10-19T15:46Z 1192 followers, 6042 engagements
"This is why everyone is so early to $root. $Cvna has been a partner of $root for 4+ years now. $root recent quarter had their partnership channel growing at 3x YoY. Although $Cvna is a great partner that XXX% growth is mostly outside of the $cvna arm as $Cvna growth has been consistent - not explosive. Also $root has dozens of major partners - not just one majority partner. Though not to discount $cvna as e.garcia has high ambitions with $Cvna selling 3m units annually within 5-10 years. That will be ultimately be contributory of 3+ billion in annual revenue growth. It is way too early here"
X Link @andycyau 2025-10-19T19:01Z 1191 followers, 3070 engagements
"You have no clue. When $sofi or $ld sells and packages their loans its considered okay but its considered wrong when $Cvna does it Or is it cooking the books when every dealership recognizes revenue upfront per unit sale Or do you not understand that subprime yields of 20-30% are worth more for GPU When was $Cvna ever XX% of $root s books when the partnership channel was only XX% of $root s books a year ago even if $Cvna had a percentage of the books it doesnt even matter when their defaults of overall loans are 5%. Also insurance is paid in ADVANCE not in arrears where insurers can cut"
X Link @andycyau 2025-10-19T19:59Z 1195 followers, XXX engagements
"@danielisdizzy Exactly $Cvna is awesome but there are multiple larger ones that $root has in the works that onlookers dont know about"
X Link @andycyau 2025-10-19T20:29Z 1192 followers, XXX engagements
"you're showing your true amateur colors by saying: "if a stock goes down it must suck" where you have no understanding of the basis. no wonder they say retail can't beat the index. theres a reason why institutions are buying hands over fist at low. QoQ institutions have increased their positions by 21%. based on $ROOT vesting schedule with $CVNA warrants you're not even close with your "30% basis" as you need to take into account of ADR as well. $ROOT hasn't even hit their other LT trenches. if you've actually done your research you would have known your basis is straight FUD. and EVEN if"
X Link @andycyau 2025-10-19T21:01Z 1195 followers, XXX engagements
"@fedex774 huge misconception. ROOT will do a multiple of growth versus $LMND due to ROOT's distribution channels where they can scale infinitely without upfront capital"
X Link @andycyau 2025-10-19T21:07Z 1191 followers, XX engagements
"@AXDWealth i guess you didn't understand the vested $ROOT warrants lol because you're repeating yourself. okay case closed. or was it that you didn't understand what $CVNA does because you clearly think $CVNA is "cooking books""
X Link @andycyau 2025-10-19T21:13Z 1192 followers, XXX engagements
"LOL exactly what i thought you'll source. you "read" something online and now thats your "holygrail" short thought thesis". a sheep will always be a sheep while institutions load up heavily. i've debunked this before from other clueless $CVNA shorts. happy to debunk it again for you. which line item would you want to discuss"
X Link @andycyau 2025-10-19T21:19Z 1191 followers, XXX engagements
"LOL. looks like a sheep being a sheep and following his "bear thesis" based on what he read online. i've rebuttal'd this multiple times with multiple other misunderstood $CVNA shorts. which line item did you want to discuss to be clear there is nothing wrong originating subprime loans at 20-30% yields with X% default rates as the net yield is massive either through holding the notes or packaging to sell"
X Link @andycyau 2025-10-19T21:30Z 1195 followers, XXX engagements
"if this isn't indicative of growth i don't know what is. $ROOT hires a new CISO stealing a talent from $CHWY. Srini left a 17B co to join a sub 1.4b insuretech this is in addition to $ROOT looking to hire a "chief of staff". you don't hire a COS unless you expect massive growth to come this is what you call GROWTH MODE"
X Link @andycyau 2025-09-30T23:19Z 1194 followers, 5237 engagements
"@TheEUInvestor @longoption @KabraxFX i can see it already. $ROOT partners with $TRUP and then works out another partnership with $CHWY"
X Link @andycyau 2025-09-30T23:20Z 1194 followers, XXX engagements
"The absolute worst article ever lol. You dont use book value to valuate a small growth cap. just look at $ryan which has -4b in tangible equity but yet trades at 10x roots valuation despite doing similar NI. You also cant utilize ROE metrics on growth names. Its like saying all MAG 7s were bad investments because they were unprofitable and had negative ROE. Root at peak traded at XXXXXX and was losing 500m annually. That will skew any metric. Today its on its way to making 300m next year but yet trades at an XX% discount to ATH & over XX% discounted since X months ago"
X Link @andycyau 2025-10-01T18:13Z 1190 followers, XXX engagements
"$ROOT today's price action was all short selling with XX% short volume. thats pretty much how it works around here. MM short sells aggressively for a couple weeks before they start covering aggressively"
X Link @andycyau 2025-10-03T22:17Z 1189 followers, 5530 engagements
"look at what ROOT is doing at the partnership channel which makes up more than XX% of new writings for the 500b+ auto TAM. ROOT has built the first and only embedded platform with a car dealer - $CVNA first FULLY customized platform with an agency - $GSHD and now first and only embedded platform with an OEM - Hyundai. Legacy insurers working on mainframes would take years to implement the same sort of setup that ROOT has and even then major players are staying away from legacy since it would take them months to make simple code adjustments. Thats where ROOT is coming in and partnering with"
X Link @andycyau 2025-10-05T23:23Z 1194 followers, XXX engagements
"JUST IN HOLY $ROOT SI INCREASED by XXXXX% or 300000 shares. with float nearly 100%+ owned this is MASSIVE. AT DAWN WE RIDE"
X Link @andycyau 2025-10-09T20:49Z 1194 followers, 17.2K engagements
"got a ton of capital coming in from my business soon. thinking about buying even more $ROOT at these extremely discounted levels with a forward P/E in the 4's. its time to tie up more of the float for the incoming short squeeze"
X Link @andycyau 2025-10-10T14:35Z 1189 followers, 2216 engagements
"How much would you pay for a stock that could become bigger than $PGR by the end of the decade The insurance equivalent of $HOOD or $TSLA 10B 20B 30B or 50B $ROOT insurance is changing the industry but trades at a 1.3B mcap. i'll gladly pay 10x+ for $ROOT TODAY"
X Link @andycyau 2025-10-14T14:09Z 1190 followers, 1997 engagements
"shorts sunk over 2m+ SI into $ROOT recently and they are now looking to cover aggressively pre-earnings after shaking out paper hands. V shape recovery incoming. Don't let these short crooks cover easily"
X Link @andycyau 2025-10-14T14:28Z 1190 followers, 4158 engagements
"$ROOT is partnering with the largest players in the auto industry including Hyundai & Toyota & many other major players to come. It is also beating legacy insurers in key metrics all around. has the potential to be larger than $PGR in the next decade but trades at less than 1/100x in size"
X Link @andycyau 2025-10-14T17:56Z 1190 followers, 8320 engagements
"$ROOT is seeing extremely bullish option flow in today's move backed with 3700+ contracts or 370000 shares - a large percentage of $ROOT's available float"
X Link @andycyau 2025-10-14T19:19Z 1191 followers, 1672 engagements
"$root would need a XX% CR on average in the past X years for it to even be considered with the same isolated credit issues in Fl for $pgr. short sellers would take it down at any chance they get"
X Link @andycyau 2025-10-15T19:23Z 1190 followers, 2247 engagements
"shopping generally falls off in the fall. its not fair to put sep PIF growth in the same category to August. so more seasonal if anything for $PGR. on the bright end retention is much better in those months which helps other insurers who have weaker CAC performance or high ADR ROOT has been going through this since 2024. not a new challenge and competition is indeed fierce for a long time now. though ROOT has shifted to partnership policy growth"
X Link @andycyau 2025-10-15T22:14Z 1191 followers, XX engagements
"@CedarStResearch @punderfultweet i think the market will be surprised how well ROOT does on the IA channel. you did buy $PGR before you bought ROOT"
X Link @andycyau 2025-10-15T23:09Z 1190 followers, XXX engagements
"@punderfultweet @CedarStResearch i do think $PGR at these levels are attractive. it hasn't been a good year for them- price performance wise but fundamentally they have been solid. glad to see you own some ROOT i do prefer ROOT multiple times over"
X Link @andycyau 2025-10-15T23:30Z 1194 followers, XXX engagements
"Most of partnership growth is coming from new partners. $cvna has been consistent so that XXX% YoY growth is from elsewhere. Its not Hyundai either as there is no embedded platform but when there is Hyundai will drive significant revenue in the billions annually. Its IAs & other new major partners. Dont sleep in the IA channel. Root has a strong moat there. As for $cvna doing everything in house hits differently than third party lenders. They can control the narrative all around from collections to repos liquidity etc. the worries around $Cvna IMO is overstated & misunderstood"
X Link @andycyau 2025-10-17T20:08Z 1194 followers, XXX engagements
"@AXDWealth More like you dont understand $cvna nor do you understand $root s partnership makeup of dozens of major partners & thousands of agencies & IAs. Institutions are buying $Cvna hands over fist while retail like you are shorting it. Let that sink in"
X Link @andycyau 2025-10-19T18:21Z 1190 followers, XXX engagements
"@sixers0321 The stats dont lie"
X Link @andycyau 2025-10-20T03:24Z 1194 followers, XX engagements
"$lmnd will do well as well. Though the difference with $root and $lmnd is that $root is focused on auto & that they are building distribution channels. The partnerships that $root are building will allow them to grow exponentially without upfront capex which is something $lmnd lacks"
X Link @andycyau 2025-10-20T13:17Z 1190 followers, XXX engagements