# ![@bjmtweets Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::491779424.png) @bjmtweets Brian McCormick

Brian McCormick is not mentioned in the provided tweets. However, the tweets appear to be discussing various stocks, including $ROOT, $LMND, and $UPST, with users sharing their opinions and analysis on the companies' performance and potential. The most discussed stock seems to be $ROOT, with users commenting on its growth prospects, partnerships, and short float.

### Engagements: [------] [#](/creator/twitter::491779424/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:interactions.svg)

- [--] Week [------] -76%
- [--] Month [-------] -1.10%
- [--] Months [---------] -3.80%
- [--] Year [---------] -85%

### Mentions: [--] [#](/creator/twitter::491779424/posts_active)
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- [--] Week [--] -19%
- [--] Month [---] -18%
- [--] Months [-----] +33%
- [--] Year [-----] +204%

### Followers: [-----] [#](/creator/twitter::491779424/followers)
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- [--] Week [-----] +0.08%
- [--] Month [-----] +0.49%
- [--] Months [-----] +32%
- [--] Year [-----] +193%

### CreatorRank: [-------] [#](/creator/twitter::491779424/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  #4235 [cryptocurrencies](/list/cryptocurrencies)  50.98% [finance](/list/finance)  38.24% [automotive brands](/list/automotive-brands)  5.88% [technology brands](/list/technology-brands)  3.92% [currencies](/list/currencies)  0.98% [musicians](/list/musicians)  0.98%

**Social topic influence**
[$root](/topic/$root) #6, [$upst](/topic/$upst) #13, [$lmnd](/topic/$lmnd) #2, [insurance](/topic/insurance) #1260, [business](/topic/business) #1797, [root](/topic/root) 6.86%, [hyundai](/topic/hyundai) #1024, [stocks](/topic/stocks) 4.9%, [market cap](/topic/market-cap) #174, [ceo](/topic/ceo) #1579

**Top accounts mentioned or mentioned by**
[@low_iq_trader](/creator/undefined) [@wearycenturion](/creator/undefined) [@rileye645](/creator/undefined) [@aschulz888](/creator/undefined) [@danielisdizzy](/creator/undefined) [@bj23air](/creator/undefined) [@nftlunatic](/creator/undefined) [@travisbiziorek](/creator/undefined) [@jakemruth](/creator/undefined) [@josephjacks](/creator/undefined) [@henryinvests](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@lowiqtrader](/creator/undefined) [@magnussigurdss](/creator/undefined) [@onetrickponyyyy](/creator/undefined) [@jacksonmatysik](/creator/undefined) [@weary_centurion](/creator/undefined) [@mattscottcap](/creator/undefined) [@arne19288930](/creator/undefined) [@longmomo_](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [Upstart Holdings, Inc. (UPST)](/topic/$upst) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Klarna Group plc (KLAR)](/topic/$klar) [Return to Beginnings (ROOTS)](/topic/$roots) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [RAI Finance (SOFI)](/topic/$sofi) [ODDITY Tech Ltd (ODD)](/topic/$odd) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Advanced Micro Devices (AMD)](/topic/$amd) [Duolingo, Inc.  (DUOL)](/topic/$duol) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Tesla, Inc. (TSLA)](/topic/$tsla) [UiPath, Inc. (PATH)](/topic/$path) [Iris Energy Limited (IREN)](/topic/$iren) [CoreWeave, Inc (CRWV)](/topic/$crwv) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Coupang, Inc.  (CPNG)](/topic/$cpng) [Novo-Nordisk (NVO)](/topic/$nvo) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Palomar Holdings, Inc. Common stock (PLMR)](/topic/$plmr) [Skyward Specialty Insurance Group, Inc. (SKWD)](/topic/$skwd) [Kinsale Capital Group, Inc. (KNSL)](/topic/$knsl) [ZetaChain (ZETA)](/topic/$zeta) [Rocket Lab USA, Inc. Common Stock (RKLB)](/topic/$rklb)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$ODD looks interesting but there are a few things that bothered me in my research Longterm successful consumer brands tend to be customer friendly. People love their brand and their product. This creates high retention word of mouth growth etc. Think Amazon's relentless focus on customer satisfaction. Taking returns even when others don't and it hurts margins. $ODD has an antagonistic relationship with a significant amount of complaints around difficulty in cancelling subscriptions that go beyond typical experiences. [--]. Having to go through 5-10 pop-up pages to cancel. Many users believing"  
[X Link](https://x.com/bjmtweets/status/2001718576051568871)  2025-12-18T18:17Z [----] followers, [----] engagements


"$ODD customer feedback this week 🧵👇 Let's look at unprompted reviews. The kind people go out of the way to leave on Trustpilot. Read if you own or plan on owning"  
[X Link](https://x.com/bjmtweets/status/2003221586506383402)  2025-12-22T21:50Z [----] followers, [----] engagements


"@weary_centurion Insurance is generally a hated product. Root doesn't prompt for reviews. Here is their aggregate score"  
[X Link](https://x.com/bjmtweets/status/2009714235685867808)  2026-01-09T19:49Z [----] followers, [---] engagements


"The kind of financial discipline I like hearing. From $ROOT's CEO today: "Every piece of new business that we add we make sure we return our IRR on that business over a hurdle rate no matter what. We don't solve for quarterly growth targets or quarterly earnings targets. We don't run the business that way. We are economically ambivalent and we never grow for growth's sake. We grow in a very disciplined manner. We only deploy that capital when we know it's going to return back to our shareholders. And so sometimes that means in a given quarter direct won't grow as fast. Sometimes it means"  
[X Link](https://x.com/bjmtweets/status/2010864968745336876)  2026-01-13T00:02Z [----] followers, [----] engagements


"Nine years ago $ROOT started tracking autosteer miles in $TSLA vehicles and gave drivers discounts. They were the first insurer to do so"  
[X Link](https://x.com/bjmtweets/status/2014418680776700198)  2026-01-22T19:23Z [----] followers, [----] engagements


"$ROOT partnership growth is accelerating. See below. [----] 3-click Carvana [----] None [----] Goosehead [----] to present Hyundai Experian Ezlynx PL Rating Kikoff One half of their new book is now partners with IA being the largest segment growing 3x y/y"  
[X Link](https://x.com/bjmtweets/status/2014484496322789570)  2026-01-22T23:45Z [----] followers, [----] engagements


"If $ROOT spent all the positive FCF they generated over the past [--] months based on their direct marketing costs they could have grown an extra [------] policies in [----]. That would have been an extra 50% growth over what they had for the year"  
[X Link](https://x.com/bjmtweets/status/2014733432522506675)  2026-01-23T16:14Z [----] followers, [----] engagements


"According to my [--] year DCF $ROOT is 440% undervalued today with a fair value of $372 per share Assumptions: FCF growth = 30% annually P/FCF = [--] (this is PGR's [--] year avg) Discount Rate = 14% Note: I take DCFs with a grain of salt these are more sanity checks of potential"  
[X Link](https://x.com/bjmtweets/status/2014829689102381255)  2026-01-23T22:36Z [----] followers, [----] engagements


"$ROOT net new policies by quarter Root forecasted acceleration in growth in Q4'2025 partner channel growth and committed an extra $5M to marketing spend (potentially an extra 4-7K policies)"  
[X Link](https://x.com/bjmtweets/status/2015494674619027678)  2026-01-25T18:39Z [----] followers, [----] engagements


"Here is my estimated net new policy growth for $ROOT in Q4'2025 and Q1'2026. This is based on seasonal trends and earnings call guidance. Wall Street is currently forecasting only 3-6K net new policies per quarter based on revenue estimates. Root will blow past that easily"  
[X Link](https://x.com/bjmtweets/status/2015840873968505278)  2026-01-26T17:34Z [----] followers, [----] engagements


"I went back and listened to the past [--] years of earnings calls on $ROOT over the weekend and the Q3'2025 call was the most bullish of them all by a wide margin. Previously Root told us to expect "modest growth" for Q3 and they ended up growing net new policies by 10K. And that was with the headwind from Q1 policies that were up for renewal. Q4 has no such headwind. Here is a summary of bullish sentiment from the Q3'2025 Earnings Call "Looking ahead we expect continued acceleration of policies in force growth" "What has happened and we've continued actually to see that even this quarter to"  
[X Link](https://x.com/bjmtweets/status/2015847343292350536)  2026-01-26T18:00Z [----] followers, [----] engagements


"So far today $ROOT has had [-----] shares traded. There are [-------] shares sold short (18.7% of total float). Once sentiment changes as a result of back to back growth in Q4 and Q1 shorts will have a hard time exiting without substantially moving the share price higher"  
[X Link](https://x.com/bjmtweets/status/2015858545498210337)  2026-01-26T18:45Z [----] followers, [----] engagements


"FYI - Bought more $ROOT today"  
[X Link](https://x.com/bjmtweets/status/2015864185809453420)  2026-01-26T19:07Z [----] followers, [----] engagements


"Analysts currently expect $ROOT to grow revenue by only 6% in [----] and 10% in 2027"  
[X Link](https://x.com/bjmtweets/status/2015882001338007942)  2026-01-26T20:18Z [----] followers, [----] engagements


"24 of the [--] job postings for $LMND right now are for engineers. Primarily listed at senior level. No opinions yet. Just thought it was notable"  
[X Link](https://x.com/bjmtweets/status/2016013410086121898)  2026-01-27T05:00Z [----] followers, [----] engagements


"$ROOT is establishing itself as a leader in the two most important things for Car insurance: [--]. Pricing [--]. Distribution Despite being 1% the size they are already delivering Progressive level loss ratios And they have developed world class embedding/distribution capabilities"  
[X Link](https://x.com/bjmtweets/status/2016195539768115201)  2026-01-27T17:04Z [----] followers, [----] engagements


"$ROOT growth looks erratic from a glance but is simple to understand if one puts all the parts together. During 2021-22 there was a rapid inflationary event for cars and repairs. This meant pricing was off massively. Thus no marketing spend and letting policies churn until new rates got approved by regulators. PIF then grew rapidly during 2023/24 in the hard to soft market transition as they were able to jump in quicker than the big guys by being a modern insurtech. Three quarters after Root the big guys caught on became rate adequate and started spending big on marketing again. Root then had"  
[X Link](https://x.com/bjmtweets/status/2016204336012181646)  2026-01-27T17:39Z [----] followers, [----] engagements


"Investors who like beaten down stocks with exciting new products like $PATH should also consider $ROOT. $ROOT is an early adopter of AI with the President literally writing his PhD thesis on using machine learning to price insurance better. Thanks to superior pricing through AI $ROOT's Independent Agent channel is growing 200% y/y and partner channel is growing 100% y/y. Already 1/2 of its new book. The whole business is designed around a modern tech stack that legacy won't duplicate. And you get all this for a P/E around [--] at 1% the size of Progressive and plenty of operating leverage"  
[X Link](https://x.com/bjmtweets/status/2016219593879257145)  2026-01-27T18:39Z [----] followers, [----] engagements


"$ROOT innovation in the IA distribution channel Faster & less friction. No surprise why it's becoming so popular here Huge channel with lots of growth ahead 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 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"  
[X Link](https://x.com/bjmtweets/status/2016231802713866249)  2026-01-27T19:28Z [----] followers, [----] engagements


"Great overview from @Couch_Investor on $ROOT if anyone wants an introduction. Recommend watching. https://www.youtube.com/watchv=RiDGqEMt8F8 https://www.youtube.com/watchv=RiDGqEMt8F8"  
[X Link](https://x.com/bjmtweets/status/2016328559896522816)  2026-01-28T01:52Z [----] followers, [----] engagements


"This reaction is echo chamber behavior. Taking a non event and spinning it into a thesis confirming win. $LMND re-ordered two words on their website. Focus on the signal of which there is plenty. Not the noise. Amazing speed of execution and customer focus $LMND Amazing speed of execution and customer focus $LMND"  
[X Link](https://x.com/bjmtweets/status/2016565418006368753)  2026-01-28T17:33Z [----] followers, [----] engagements


"@JM_Investment0 Recently venture capital funded a [--] year old commercial trucking insurtech that isn't profitable at $1.6B. It was founded by the previous actuary of Root. Sentiment will correct. This is just momentum trading"  
[X Link](https://x.com/bjmtweets/status/2016614638927171863)  2026-01-28T20:49Z [----] followers, [---] engagements


"$ROOT web traffic is at seasonal all time high Matches what management said in investor call for accelerated growth in Q4 @RileyE645 Like this https://t.co/VlkWXnGxgp @RileyE645 Like this https://t.co/VlkWXnGxgp"  
[X Link](https://x.com/bjmtweets/status/2016629101839405082)  2026-01-28T21:46Z [----] followers, [----] engagements


"@danielisdizzy Add $KLAR and answer is $ROOT"  
[X Link](https://x.com/bjmtweets/status/2016715084039672272)  2026-01-29T03:28Z [----] followers, [----] engagements


"@KaiHiwatari02 @CedarStResearch @IAMinifan Look at Nirvana Insurance valuation. Look at Root valuation in [----]. Look at Lemonade valuation today. Growth is heavily rewarded. Analyst avg forecast is 6% revenue growth for [----]. Id sell it too if I thought it was 6% grower. You cant even seed round insurtechs at $1B"  
[X Link](https://x.com/bjmtweets/status/2016727611075154011)  2026-01-29T04:18Z [----] followers, [--] engagements


"Bought more $ROOT Under $1B market cap"  
[X Link](https://x.com/bjmtweets/status/2016908507333947627)  2026-01-29T16:17Z [----] followers, [----] engagements


"@bj23air The gap between future performance vs street expectations is much larger for $ROOT IMO over the next 12-36 months"  
[X Link](https://x.com/bjmtweets/status/2016912870454546484)  2026-01-29T16:34Z [----] followers, [---] engagements


"@bj23air A 3.5x puts them at half of Allstates market cap. A 3.5x for Root puts them at half Lemonades current market cap. Much easier for Root IMO"  
[X Link](https://x.com/bjmtweets/status/2016914718930436295)  2026-01-29T16:41Z [----] followers, [--] engagements


"Sentiment is so low on $ROOT when you back out unencumbered capital they are valued the same as [--] year old insurtechs like Corgi ($600M valuation) with only $40M in annual revenue. Venture Capital would be better off buying $ROOT in the public market"  
[X Link](https://x.com/bjmtweets/status/2016937945480274290)  2026-01-29T18:14Z [----] followers, [----] engagements


"It will take [--] days for $ROOT shorts to cover (compare to [--] days for $LMND and [--] days for $HIMS) Very hard for them to unwind their position. These shares will eventually be bought back because: [--]. This is momentum shorting not long shorting. [--]. Revenue and forward metrics continue to all grow Y/Y. Half the new book is growing 100%. [--]. Root is GAAP profitable. Not a zero and doesn't need the public market. We are now entering Q4 earnings which is forecasted per the call for accelerated growth and Q1 is seasonally very strong quarter. Which is contradictory to Street expectations. It is very"  
[X Link](https://x.com/bjmtweets/status/2016947696142340101)  2026-01-29T18:52Z [----] followers, [----] engagements


"@NFTLunatic $LMND is good but $ROOT being valued 93% worse on the same revenue is the kind of opportunity I like"  
[X Link](https://x.com/bjmtweets/status/2016948006285955321)  2026-01-29T18:54Z [----] followers, [---] engagements


"@RileyE645 @jakebrowatzke Yup. Lots of embedded insurance deals. People are sleeping on $ROOT"  
[X Link](https://x.com/bjmtweets/status/2017249568434659371)  2026-01-30T14:52Z [----] followers, [---] engagements


"@Mindset4Money_X Nice $ROOT add"  
[X Link](https://x.com/bjmtweets/status/2017343717305422081)  2026-01-30T21:06Z [----] followers, [---] engagements


"@TravisBiziorek $ROOT"  
[X Link](https://x.com/bjmtweets/status/2017345051739988379)  2026-01-30T21:11Z [----] followers, [---] engagements


"@danielisdizzy Nice $ROOT buy"  
[X Link](https://x.com/bjmtweets/status/2017360593993527390)  2026-01-30T22:13Z [----] followers, [---] engagements


"@TravisBiziorek If you're confident throw a ticker out there"  
[X Link](https://x.com/bjmtweets/status/2017388475004363121)  2026-01-31T00:04Z [----] followers, [--] engagements


"@TravisBiziorek A lot of commentary to not name a single ticker you are confident in"  
[X Link](https://x.com/bjmtweets/status/2017392073629176175)  2026-01-31T00:18Z [----] followers, [--] engagements


"@BourbonCap $ROOT"  
[X Link](https://x.com/bjmtweets/status/2017394847385370973)  2026-01-31T00:29Z [----] followers, [----] engagements


"@m_MTG63 All interesting. There seems to be some concerns around $DAVE's business model being invalidated by California regulation per this video https://www.youtube.com/watchv=FjvTfrLweZw&lc=UgwCwyToF-US7tz7egJ4AaABAg https://www.youtube.com/watchv=FjvTfrLweZw&lc=UgwCwyToF-US7tz7egJ4AaABAg"  
[X Link](https://x.com/bjmtweets/status/2017400174541521274)  2026-01-31T00:50Z [----] followers, [----] engagements


"$ROOT Upcoming Catalysts [--]. Q1 seasonally the best quarter as Tax refunds begin in two weeks it spurs car sales and insurance purchases. Will show up in app and traffic data to Wall Street. (Big run last year) [--]. End of February Q4 earnings call with accelerated PIF guided for all channels per Q3 call contrary to analyst expectations. [--]. Hyundai Secure+ official announcement potentially formally announcing powered by Root (unconfirmed currently) now that the insurance trademark is registered. Any of this positive momentum will be accelerated as shorts (who shorted in past [--] months based on"  
[X Link](https://x.com/bjmtweets/status/2017642877510422782)  2026-01-31T16:55Z [----] followers, [----] engagements


"$ROOT is using AI agents and orchestration in procurement per recent article in CPO Strategy Root has implemented a software orchestration tool that integrates autonomous AI agents into the procurement process. Most legacy insurers procurement departments rely on deterministic software (ERP systems where input A always equals output B). Root is deploying probabilistic AI agents (specifically Vendrs agent Ruth) that can reason handle ambiguity and autonomously execute tasks like price benchmarking and negotiation. Root treats procurement speed as a product feature. Root's head of procurement"  
[X Link](https://x.com/bjmtweets/status/2017711471267062226)  2026-01-31T21:27Z [----] followers, [----] engagements


"How many new things will $ROOT launch in [----] Here's a few things they launched in 2025: EZLynx Integration PL Rating Integration New Pricing Model (+20% LTV) New UBI (Usage-Based Insurance) Model (+10%) Hyundai Partnership Experian Partnership"  
[X Link](https://x.com/bjmtweets/status/2017786739977519338)  2026-02-01T02:27Z [----] followers, [----] engagements


"Probably a better time to buy stocks than gold right now"  
[X Link](https://x.com/bjmtweets/status/2018096533812699140)  2026-02-01T22:58Z [----] followers, [----] engagements


"@ASchulz888 @JosephJacks_ Sounds like $NVDA didn't want to invest the full $100B so OpenAi looking at $AMZN for more"  
[X Link](https://x.com/bjmtweets/status/2018393699068330489)  2026-02-02T18:38Z [----] followers, [---] engagements


"New clarity. $NVDA was "invited" to invest up to $100B and declined. They still said they were going to make their largest investment ever. Also likely why OpenAi is talking with $AMZN because the $100B they wanted is not coming from Nvidia alone. $AMD $IREN $CRWV $NBIS Woah. Jensen is NOT happy about OpenAI. https://t.co/mQ77DaWJfm Woah. Jensen is NOT happy about OpenAI. https://t.co/mQ77DaWJfm"  
[X Link](https://x.com/bjmtweets/status/2018394557277516168)  2026-02-02T18:42Z [----] followers, [----] engagements


"@ASchulz888 @JosephJacks_ Should be market bullish more they close"  
[X Link](https://x.com/bjmtweets/status/2018499368513347955)  2026-02-03T01:38Z [----] followers, [--] engagements


"@ASchulz888 @JosephJacks_ @GroqInc Good news for $AMD"  
[X Link](https://x.com/bjmtweets/status/2018536234424193445)  2026-02-03T04:05Z [----] followers, [--] engagements


"@NFTLunatic @weary_centurion There are things I like and some things I don't. Eric has continued selling and was over $500M sold last I checked and that was a decent percent of his holdings. Given the longterm vision. I felt that was rather aggressive"  
[X Link](https://x.com/bjmtweets/status/2018745984076198024)  2026-02-03T17:58Z [----] followers, [--] engagements


"@low_IQ_trader Longterm I like it. Need to catchup on what they've been up to for near and midterm commentary. Same with $CPNG"  
[X Link](https://x.com/bjmtweets/status/2018780973530485219)  2026-02-03T20:17Z [----] followers, [---] engagements


"@JakeMRuth Never understood this even with bulls trying to tell me why it was better than BTC"  
[X Link](https://x.com/bjmtweets/status/2018784001516048822)  2026-02-03T20:29Z [----] followers, [---] engagements


"Remember the business is not the share price. If you're more impressed by the share price than the business red flag. If you're more impressed by the business than the share price green flag"  
[X Link](https://x.com/bjmtweets/status/2018796049884922359)  2026-02-03T21:17Z [----] followers, [---] engagements


"@JakeMRuth The never sell discipline is strong"  
[X Link](https://x.com/bjmtweets/status/2019197294349099246)  2026-02-04T23:52Z [----] followers, [---] engagements


"@NextWaveTrade @dante60Zorro Gap down on poor performance. If you believe guidance and future performance gap up is where it goes. Its a P/E of [--] adjusted for carvana warrant write off (non cash non dilutive event)"  
[X Link](https://x.com/bjmtweets/status/2019229732706062825)  2026-02-05T02:00Z [----] followers, [--] engagements


"@low_IQ_trader If you didnt enforce this in the US there would be no reason to pay for clinical trials and new drug discovery. You would just have worse margins against those that copy you and do none"  
[X Link](https://x.com/bjmtweets/status/2020092997623513520)  2026-02-07T11:11Z [----] followers, [--] engagements


"Took half a year to play out but here we are $HIMS $HIMS is scaling massively and profitably while $NVO plummets. This is not good for the industry. $NVO spends the big bucks to discover new drugs and funds expensive clinical trials to prove they are effective and safe. $HIMS does not. Even though medicine may be patented $HIMS is scaling massively and profitably while $NVO plummets. This is not good for the industry. $NVO spends the big bucks to discover new drugs and funds expensive clinical trials to prove they are effective and safe. $HIMS does not. Even though medicine may be patented"  
[X Link](https://x.com/bjmtweets/status/2019933955567546857)  2026-02-07T00:39Z [----] followers, [----] engagements


"$ROOT Q4 & Q1 look strong: - Google trend data shows elevated Q4 & Q1 interest - App data shows significantly more traffic - Web traffic data up significantly Y/Y - Q3'2025 earnings call said accelerated growth in all channels Data & guidance are aligned"  
[X Link](https://x.com/bjmtweets/status/2020051531039666469)  2026-02-07T08:26Z [----] followers, [----] engagements


"$UPST my thoughts very important quarterly update First thanks to Dave for his time as CEO. Now to the breakdown: 25% of R&D loans came off the balance sheet in Q4. Upstart previously signaled these would be large deals and would take time to sign. Instead we got small deals. This was funded by [--] different partners (13 more pre-announced for this year). This is why we didn't get any PR announcement of a funding deal signed. No point reporting small deals. This also gives the appearance that it was harder for Upstart to get the loans off the balance sheet. 25% of R&D loans came off the"  
[X Link](https://x.com/bjmtweets/status/2021373464976949338)  2026-02-10T23:59Z [----] followers, [----] engagements


"Here's a breakdown from Shai's new $LMND interview on their three stages to becoming a fully autonomous organization and where they currently are. Level 1: Self Healing (Current Stage of Business) This level focuses on maintenance and reliability. Agents monitor analytics and logs to detect anomalies or bugs in production. When an issue is found the system diagnoses the root cause writes a fix tests it and deploys it to production. All without a human. This automates the engineering workload currently spent on maintenance. Level 2: Self Improving Humans as Tools This level moves beyond fixing"  
[X Link](https://x.com/bjmtweets/status/2021471467435851903)  2026-02-11T06:28Z [----] followers, 12K engagements


"Wanted to showcase here how much many businesses trade together. My point here being owning [--] stock in insurance and [--] in tech may offer more diversification than [--] stocks all in insurance or [--] all in tech. $PLMR $SKWD $KNSL $ZETA $RKLB $SOFI"  
[X Link](https://x.com/bjmtweets/status/2006827104361656427)  2026-01-01T20:37Z [----] followers, [----] engagements


"$FVRR generates over $100M in FCF per year Their enterprise value is $610M Is now a good entry point"  
[X Link](https://x.com/bjmtweets/status/2008961925917626493)  2026-01-07T18:00Z [----] followers, [----] engagements


"$FVRR is experiencing an odd AI tailwind With AI it's now 1000x easier to submit tailored proposals in Upwork. This overwhelms buyers. Some are churning to Fiverr. The $FVRR model does not have this problem. Services revenue grew 39% y/y (which is 1/3rd of total revenue)"  
[X Link](https://x.com/bjmtweets/status/2008992311154540860)  2026-01-07T20:01Z [----] followers, [----] engagements


"Analysts currently expect $LMND to grow revenue 60% this year (this is inclusive of reinsurance) and 30% in 2027"  
[X Link](https://x.com/bjmtweets/status/2015879143494455543)  2026-01-26T20:06Z [----] followers, [----] engagements


"$LMND looking to expand in Independent Agent channel focus on Texas per job ad. Specific policy lines targeted not mentioned. IAs are a big channel and a cost effective way to scale"  
[X Link](https://x.com/bjmtweets/status/2016008308948402495)  2026-01-27T04:40Z [----] followers, [----] engagements


"The best time to buy $LMND was when you couldn't post without attracting bears in [----]. Share price hit an all time low. I started buying then at around $1B market cap That's also what $ROOT looks like today. Except they are in much better shape than Lemonade was in mid-2023"  
[X Link](https://x.com/bjmtweets/status/2016633091100725314)  2026-01-28T22:02Z [----] followers, [----] engagements


"$ROOT has a 93.3% lower P/S multiple than $LMND If the market is giving $LMND $1M in valuation on revenue it's giving $ROOT $66986 in valuation on the same revenue I don't know how things look in [--] years but $ROOT the business has performed well despite the share price"  
[X Link](https://x.com/bjmtweets/status/2016662496220971370)  2026-01-28T23:59Z [----] followers, [----] engagements


"Just sent this to $ROOT @joinroot investor relations: Hi Root Team You are executing well but the vision of the business is still hard for many to grasp. Specifically the mechanics of partnerships and vision for embedded products (like Hyundai briefly mentioned at Needham) and the depth of the data advantage arent understood. I strongly suggest you hold an Investor Day or a dedicated presentation. Earnings calls are too short to communicate a vision and they focus on short term financials. A session where you can slow down and explain the strategy and perhaps the economics in the long-term"  
[X Link](https://x.com/bjmtweets/status/2017272601027215801)  2026-01-30T16:24Z [----] followers, [----] engagements


"My top [--] beaten down stocks to watch: $ROOT $DUOL $OSCR $KLAR $UPST"  
[X Link](https://x.com/bjmtweets/status/2017390576963051788)  2026-01-31T00:12Z [----] followers, [----] engagements


"$LMND short interest has been trending down overall. Now at 17.9%. Last year it was 31%. At the same time institutional ownership is flat over this period. Leads me to suspect covering has been driving recent price action over past [--] months"  
[X Link](https://x.com/bjmtweets/status/2018378858630934957)  2026-02-02T17:39Z [----] followers, [----] engagements


"$LMND at [--] day SMA. Last two times it bounced here"  
[X Link](https://x.com/bjmtweets/status/2018384070875783469)  2026-02-02T18:00Z [----] followers, [----] engagements


"$DUOL has fallen another 35% over the past month. Here's why I haven't bought yet and continue to be patient: [--]. Q4 numbers pre-announced. Growth is decelerating. It is probable that this deceleration continues near term. [--]. SaaS AI fears will likely continue off that deceleration even though I believe they are largely unwarranted. [--]. Once you exclude the one time tax credit the P/E ratio goes up significantly. While FCF is nice if the business continues to require top talent SBC remains a real expense. The valuation here is still rewarding growth even if it doesn't feel like it. We also"  
[X Link](https://x.com/bjmtweets/status/2018733767721201758)  2026-02-03T17:10Z [----] followers, [----] engagements


"Roundup of top stocks I have been watching: $ROOT still my top choice in this market. Going into seasonal strength with multiple catalysts in play. Strong cadence of IA and partner product/sales velocity. $KLAR comes second. Robust business with product market fit network effect and geographical diversity. Waiting for lockup to end and downtrend to play out. $UPST comes third. Rates coming down would be bullish. New partners signing up. Auto & Home refi can push them to next level. It sold off aggressively already and they are pushing into strong operating leverage territory. $DUOL fourth. I"  
[X Link](https://x.com/bjmtweets/status/2018755087615864895)  2026-02-03T18:34Z [----] followers, [----] engagements


"Low $UPST UMI is leading indicator consumer health is improving. Less late payments. $UPST As of yesterday lowest UMI reading basically since [----]. This is KEY for all areas in $UPSTs business. TP reviews with big accelleration last few days. We just need some sort of positive news for the loans on the BS now. $100 is EASILY in sight :) $UPST As of yesterday lowest UMI reading basically since [----]. This is KEY for all areas in $UPSTs business. TP reviews with big accelleration last few days. We just need some sort of positive news for the loans on the BS now. $100 is EASILY in sight :)"  
[X Link](https://x.com/bjmtweets/status/2019204644120187243)  2026-02-05T00:21Z [----] followers, [----] engagements


"@MagnusSigurdss Yes but old news. This is why over last year direct CAC is up insurers are profitable and being competitive. Both in ad spend and rates Note $ROOT is getting better at pricing with 7x difference between top and bottom driver pricing in some states. They are segmenting better"  
[X Link](https://x.com/bjmtweets/status/2019445504724115686)  2026-02-05T16:18Z [----] followers, [---] engagements


"At what market cap do you support $LMND doing a capital raise At current level $10B+ None/other (comment) $15B+ At current level $10B+ None/other (comment) $15B+"  
[X Link](https://x.com/bjmtweets/status/2021492809417752705)  2026-02-11T07:53Z [----] followers, [----] engagements


"Trump just called for a 10% interest cap on credit cards which was a campaign promise. A bill to that effect was introduced last year but did not move forward. It could now. According to Gemini this would have Severe impact on $UPST High impact on $SOFI Low impact on $DAVE"  
[X Link](https://x.com/bjmtweets/status/2010042098100441217)  2026-01-10T17:32Z [----] followers, [----] engagements


"Potentially very bullish news for $ROOT Looks like $ROOT may be white labeling insurance through Hyundai just like they did with Carvana Just a few weeks ago at Needham Root said they are early in their Hyundai partnership. Implying more to come. The following week Hyundai trademarked a new insurance brand Hyundai Secure+ to provide automobile insurance. Hyundai sells a massive amount of cars. If this is indeed a white label partnership which would be the most logical conclusion huge move for $ROOT. Story via @coverager https://twitter.com/i/web/status/2017032398811304345"  
[X Link](https://x.com/bjmtweets/status/2017032398811304345)  2026-01-30T00:29Z [----] followers, [----] engagements


"$ROOT will be attending the National Automobile Dealers Association trade show next week They may be gunning for Point of Sale partnerships with dealerships"  
[X Link](https://x.com/bjmtweets/status/2017356008407110138)  2026-01-30T21:55Z [----] followers, [----] engagements


"@howtoinvest_jb I agree on all points. What do you think Peter Lynch would think of $ROOT I think it's the kind of stock he would like. Insurance industry no market interest but doing some interesting things"  
[X Link](https://x.com/bjmtweets/status/2018065447279796688)  2026-02-01T20:54Z [----] followers, [---] engagements


"$ROOT Insurance: [--]. Operates in a boring industry [--]. Has a boring name [--]. Barely covered by analysts. Sub [--] minute calls [--]. Generally ignored and not hyped by the market That's the perfect combination of things Peter Lynch likes when investing. At the same time they have: [--]. World class loss ratios [--]. Growing new segments quickly (100% growth in partner channel 200% with IAs) [--]. High velocity of new partnerships [--]. Modern tech business [--]. Competitors are old dinosaurs with tech/culture debt https://twitter.com/i/web/status/2018391883941347636"  
[X Link](https://x.com/bjmtweets/status/2018391883941347636)  2026-02-02T18:31Z [----] followers, [----] engagements


"@weary_centurion $ROOT"  
[X Link](https://x.com/bjmtweets/status/2018744450340811245)  2026-02-03T17:52Z [----] followers, [---] engagements


"@OneTrickPonyyyy @JacksonMatysik The dip to 80-90s is when I started buying. About 20% down my $ROOT avg over [--] month. My timeframe is 2-3 years. Though Im fine holding longer. Being down or flat for 6-12 months is not unexpected"  
[X Link](https://x.com/bjmtweets/status/2019176984937734432)  2026-02-04T22:31Z [----] followers, [---] engagements


"@TSLA_Observer @HenryInvests Execution could have been better past [--] months on this balance sheet issue. They performed but had to do a capital raise to get here and only partially got loans off sheet"  
[X Link](https://x.com/bjmtweets/status/2021389761987125317)  2026-02-11T01:04Z [----] followers, [---] engagements


"Which fintech under $10B market cap do you believe is the best buy today $UPST $PGY $KLAR $SEZL Upstart Pagaya Sezzle Klarna Upstart Pagaya Sezzle Klarna"  
[X Link](https://x.com/bjmtweets/status/2016738158453674049)  2026-01-29T05:00Z [----] followers, [----] engagements


"RT @RileyE645: new role at $root today tasked with scaling mid-upper funnel marketing channels. Previously Timm discussed "testing" and "e"  
[X Link](https://x.com/bjmtweets/status/2019875796018688105)  2026-02-06T20:48Z [----] followers, [--] engagements


"RT @Upstart: Keep an eye out for $UPST Q4 and FY [----] earnings tomorrow February [--]. Tune in at 1:30pm PT / 4:30pm ET"  
[X Link](https://x.com/bjmtweets/status/2021029819753038252)  2026-02-10T01:13Z [----] followers, [--] engagements


"RT @HenryInvests: This is a big deal for $PGY and $UPST - Pagaya implying that private credit and other partners pulled back and/or tighten"  
[X Link](https://x.com/bjmtweets/status/2021176900324917334)  2026-02-10T10:58Z [----] followers, [--] engagements


"RT @HenryInvests: Paul Gu to become Upstart $UPST CEO May 1"  
[X Link](https://x.com/bjmtweets/status/2021350146190258442)  2026-02-10T22:26Z [----] followers, [--] engagements


"RT @CaptTweetz: $UPST New UPSTART CFO Andrea Blankmeyer worked for $SOFI as VP Finance in the past Truly a evolution in the new leadership"  
[X Link](https://x.com/bjmtweets/status/2021350729882140933)  2026-02-10T22:29Z [----] followers, [--] engagements


"Hersheys up 9% today. Thats what the market wanted"  
[X Link](https://x.com/bjmtweets/status/2019561609975460197)  2026-02-05T23:59Z [----] followers, [---] engagements


"$UPST down 16% this morning I explained why I thought this might happen yesterday. Read below $UPST my thoughts very important quarterly update First thanks to Dave for his time as CEO. Now to the breakdown: 25% of R&D loans came off the balance sheet in Q4. Upstart previously signaled these would be large deals and would take time to sign. Instead we got small $UPST my thoughts very important quarterly update First thanks to Dave for his time as CEO. Now to the breakdown: 25% of R&D loans came off the balance sheet in Q4. Upstart previously signaled these would be large deals and would take"  
[X Link](https://x.com/bjmtweets/status/2021600197873131631)  2026-02-11T15:00Z [----] followers, [----] engagements


"Per $ROOT quarterly calls Q1 is "always seasonally very strong". A large part of this seasonality is from consumer spending "largely driven by tax refunds". Tax Refunds start going out in mid-February. This seasonality will start showing up soon in 3rd party web and app traffic data. It will debunk analyst expectations of 6% growth. Take a look at PIF history in Q1 Q1'2025 PIF Growth = [-----] Q1'2024 PIF Growth = [-----] Q1'2023 PIF Growth = Negative (inflation event) Q1'2022 PIF Growth = [-----] If Root grows revenue only 6% in all of [----] and it all came from policies they would only need 27330"  
[X Link](https://x.com/bjmtweets/status/2016963216472232134)  2026-01-29T19:54Z [----] followers, [----] engagements


"$ROOT's IR strategy communicated defensively to the traditional insurance investor. That was useful during inflation of 2022-2024. [----] onwards is different. $ROOT can get offensive. They are shipping innovation just communicate it. Move beyond CR focus. @RootInsurance"  
[X Link](https://x.com/bjmtweets/status/2018454273148006765)  2026-02-02T22:39Z [----] followers, [----] engagements


"Love to see it $ROOT"  
[X Link](https://x.com/bjmtweets/status/2018791046906552696)  2026-02-03T20:57Z [----] followers, [----] engagements


"$LMND car now has more search interest than renters"  
[X Link](https://x.com/bjmtweets/status/2021111266849488970)  2026-02-10T06:37Z [----] followers, [----] engagements


"$HIMS and Ro remind me of this: There is an old joke about a policeman who sees a drunk man searching for his keys under a streetlight. "Did you lose them here" the officer asks. "No" the man says pointing into the darkness. "I lost them in the park. But the light is better here." Investors do this too. We analyze public companies because the data and the buy button is there. This triggers adaptive preference formation also called the sour grapes bias. Because we cannot easily invest in private competitors we subconsciously convince ourselves the private business isn't as good and the public"  
[X Link](https://x.com/bjmtweets/status/2021135387197104437)  2026-02-10T08:13Z [----] followers, [---] engagements


"If we get a refi boom second half of this year and next I dont believe $UPST speed of partner funding is adequate to meet potential upside surprise demand. Refi products are being funded by smaller banks which like secured loans and appear to onboard at slower speed vs private capital and big banks interested in higher margin unsecured loans. Growth is now shifting to secured products. This could create hurdles in scaling compounded as every year more banks will need to be onboarded. Large bank capital by comparison is much easier to scale with growth which has been the case with personal"  
[X Link](https://x.com/bjmtweets/status/2021406844187742327)  2026-02-11T02:12Z [----] followers, [----] engagements


"@weary_centurion $UPST owns its own distribution platform which generates repeat customers. More moat building. They also likely have much better product technology such as reducing friction and increasing automation for getting a loan"  
[X Link](https://x.com/bjmtweets/status/2021706275080548859)  2026-02-11T22:01Z [----] followers, [---] engagements


"$ROOT Q4'2025 Earnings Call Scheduled for February [--] [----] 5:00 PM US EST"  
[X Link](https://x.com/bjmtweets/status/2017027201615745255)  2026-01-30T00:08Z [----] followers, [----] engagements


"Starting to see spikes in $ROOT traffic in App Store hitting [--] in finance category (was more around 100-150)"  
[X Link](https://x.com/bjmtweets/status/2019468940930334967)  2026-02-05T17:51Z [----] followers, [----] engagements


"Most bullish part from $UPST report: Full-year [----] originations grew 86% while fixed expenses grew only 5% demonstrating significant operating leverage"  
[X Link](https://x.com/bjmtweets/status/2021460052075479394)  2026-02-11T05:43Z [----] followers, [----] engagements


"Sanjay Datta taking up a new role as Chief Capital Officer signals the importance of finding and managing funding to the $UPST business model. It's not something that can be wrapped into the CFO role anymore. For reference Affirm also has a CCO"  
[X Link](https://x.com/bjmtweets/status/2021490763977326826)  2026-02-11T07:45Z [----] followers, [----] engagements


"@weary_centurion Look at what they are doing versus peers offering similar products. You ever get a home loan or refi before How long did that take you and what did you have to do"  
[X Link](https://x.com/bjmtweets/status/2021720472002732523)  2026-02-11T22:58Z [----] followers, [--] engagements

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