# ![@danielsethlewis Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::388610424.png) @danielsethlewis Daniel Lewis

Daniel Lewis posts on X about $betr, $lmnd, insurance, canada the most. They currently have [-----] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::388610424/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::388610424/c:line/m:interactions.svg)

- [--] Week [-----] -23%
- [--] Month [------] -61%
- [--] Months [---------] -83%
- [--] Year [---------] +25,755%

### Mentions: [--] [#](/creator/twitter::388610424/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::388610424/c:line/m:posts_active.svg)

- [--] Week [--] +135%
- [--] Month [--] -34%
- [--] Months [---] +143%
- [--] Year [---] +578%

### Followers: [-----] [#](/creator/twitter::388610424/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::388610424/c:line/m:followers.svg)

- [--] Week [-----] -0.10%
- [--] Month [-----] +1.40%
- [--] Months [-----] +37%
- [--] Year [-----] +56%

### CreatorRank: [---------] [#](/creator/twitter::388610424/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::388610424/c:line/m:influencer_rank.svg)

### Social Influence

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

**Social topic influence**
[$betr](/topic/$betr), [$lmnd](/topic/$lmnd), [insurance](/topic/insurance), [canada](/topic/canada), [$root](/topic/$root), [in the](/topic/in-the), [debt](/topic/debt), [money](/topic/money), [to the](/topic/to-the), [stocks](/topic/stocks)

**Top accounts mentioned or mentioned by**
[@cedarstresearch](/creator/undefined) [@vishalgarg10](/creator/undefined) [@ericjackson](/creator/undefined) [@gnoble79](/creator/undefined) [@billackman](/creator/undefined) [@vishalbetter](/creator/undefined) [@neilx10](/creator/undefined) [@canada](/creator/undefined) [@mabiverse123](/creator/undefined) [@nicklamparelli](/creator/undefined) [@ironicape](/creator/undefined) [@globeandmail](/creator/undefined) [@sensanders](/creator/undefined) [@dailydirtnap](/creator/undefined) [@jesselivermore](/creator/undefined) [@thestalwart](/creator/undefined) [@thealgoholic](/creator/undefined) [@liberalparty](/creator/undefined) [@grok](/creator/undefined) [@buffalobills](/creator/undefined)

**Top assets mentioned**
[Better Home & Finance Holding Company Class A Common Stock (BETR)](/topic/$betr) [Lemonade, Inc. (LMND)](/topic/$lmnd) [The Root Network (ROOT)](/topic/$root) [WIX.com Ltd. (WIX)](/topic/$wix) [Progressive Corp (PGR)](/topic/$pgr) [Exzeo Group, Inc. (XZO)](/topic/$xzo) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Maxcoin (MAX)](/topic/$max) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Metadium (META)](/topic/$meta) [Tesla, Inc. (TSLA)](/topic/$tsla) [Palomar Holdings, Inc. Common stock (PLMR)](/topic/$plmr)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@mark_dow @TheStalwart One could surmise that a lot of hedge funds did well being long fiat. #justsayin"  
[X Link](https://x.com/danielsethlewis/status/1401584581648830470)  2021-06-06T16:59Z [----] followers, [--] engagements


"@SenWarren @SenJeffMerkley @maziehirono @SenMarkey @ChrisMurphyCT @SenSanders @SenTinaSmith @ChrisVanHollen @SenatorWarnock @SenPeterWelch HAMAS TERRORISTS. HAVE. CIVILIAN. HOSTAGES"  
[X Link](https://x.com/danielsethlewis/status/1717964827103301729)  2023-10-27T18:01Z [----] followers, [--] engagements


"@schadjoe Lmao. no. Not even the 3rd best (yet)"  
[X Link](https://x.com/danielsethlewis/status/1743044501608788196)  2024-01-04T22:59Z [----] followers, [--] engagements


"@mcuban @BillyM2k @elonmusk @BillAckman Saying DEI as primary cause or loss of a large market cap is an insane idea. Not even clear on correlation. A business could spend some of its excess cash flow above its cost of capital on waste and be fine. Similarly a bad business could generate a return on DEI and suck"  
[X Link](https://x.com/danielsethlewis/status/1753937621917528203)  2024-02-04T00:24Z [----] followers, [--] engagements


"@dailydirtnap Idea: Many vintages of funds smoothing out LT returns / having a few bad ones as part of any cycle or asset allocation plan. Unclear why 100% of PE needs a 'DN' vs saying the '20-'22 vintage funds do. High Fees for private credit seems stupid tho"  
[X Link](https://x.com/danielsethlewis/status/1767566608338239524)  2024-03-12T15:01Z [----] followers, [---] engagements


"@AjayCybulski I love Josh. Mahomes has three rings. Stop"  
[X Link](https://x.com/danielsethlewis/status/1772467001488732172)  2024-03-26T03:33Z [----] followers, [---] engagements


"To my alma mater @Cornell -- is @RickfordRussell elated about Iran's missiles Have the students finally understood their scarves were Iranian flags in disguise Or is every anthropology apartment stilling aiming to destroy the only democracy in the middle east Do better"  
[X Link](https://x.com/danielsethlewis/status/1779930238102765663)  2024-04-15T17:50Z [----] followers, [--] engagements


"@TheAlgoholic the fact that ive sent you [--] texts about the NFL Draft is even wilder"  
[X Link](https://x.com/danielsethlewis/status/1783665530177781841)  2024-04-26T01:12Z [----] followers, [--] engagements


"@dailydirtnap I will gladly debate this one with you in any format of your choosing"  
[X Link](https://x.com/danielsethlewis/status/1788689122401321290)  2024-05-09T21:54Z [----] followers, [----] engagements


"@dailydirtnap structural disintermediation of banks and insurance. Fee based income not balance sheet risk. Long macro tail. Not a levered holdco. Pit-bull or otherwise - bigger fan of Apollo who are brilliant"  
[X Link](https://x.com/danielsethlewis/status/1788743980785483801)  2024-05-10T01:32Z [----] followers, [---] engagements


"@NiohBerg murder rape get your own state"  
[X Link](https://x.com/danielsethlewis/status/1793272513805406504)  2024-05-22T13:27Z [----] followers, [--] engagements


"The SEC approves the stupidest ETFs ever created tech companies go totally unchecked all while they fine Wall Street staff for using WhatsApp. Talk about priorities. There is a bubble in stupid compliance and bear market for things that truly matter"  
[X Link](https://x.com/danielsethlewis/status/1793799944446292092)  2024-05-24T00:23Z [----] followers, [---] engagements


"@Ins_Brkr Isnt this all kinda nuts We need sub orgs to do the work of an insurance company by pooling/diversification. As for rest Self insured is a far bigger theme than Insurtech"  
[X Link](https://x.com/danielsethlewis/status/1795184303363490253)  2024-05-27T20:04Z [----] followers, [--] engagements


"@SRuhle what a silly narrative. sale lease-backs are indeed financial leverage. but dont forget their shareholder was the supplier of shrimp. and they sold a LOT OF SHRIMP"  
[X Link](https://x.com/danielsethlewis/status/1795901046885106066)  2024-05-29T19:32Z [----] followers, [--] engagements


"@Jason I thought it was roaring kitty"  
[X Link](https://x.com/danielsethlewis/status/1798917492498428056)  2024-06-07T03:18Z [----] followers, [--] engagements


"@RBReich this will solve EVERYTHING capital allocation balance sheet construction requires massive government oversight. should be applied to private companies too why stick to public cos restrict dividends too"  
[X Link](https://x.com/danielsethlewis/status/1802792094605377961)  2024-06-17T19:55Z [----] followers, [--] engagements


"David I think you aren't even close this time-- COVID lab leak BLM fraud Hunter Biden the slander of Israel puberty blockers school closures and now declining health cover up. Anything Trump is called a lie and a democrat benefit of being 'a truth.' look no further than Canada on pretty much EVERYTHING (the PP scare tactics are coming). I don't know what to do about it -- but liberal positions get no/low scrutiny are reflexively called conspiracy - which is why the distrust for institutions is dead. Please consider just how absurd it is that only one side is presented as a liar"  
[X Link](https://x.com/danielsethlewis/status/1808899796255514701)  2024-07-04T16:24Z [----] followers, [--] engagements


"is it possible you are so focused on Trump the man while the Democratic Party itself is proving to be no better on spending much worse on global economic issues absolutely offsides on foreign policy equally bad on transparency and extremely far offsides with its 'progressive' (illiberal) wing"  
[X Link](https://x.com/danielsethlewis/status/1816511066417012821)  2024-07-25T16:29Z [----] followers, [--] engagements


"for those that have underwritten poorly with accumulation risks in places like CA/TX it remains a problem. other home markets are fine in [----]. home running off will lower premium/customer and improve loss ratios. the better question is -- why arent they using their data to retain profitable customers in CAT exposed states with low individual property CAT risk. they should be better than the market at risk and the are not"  
[X Link](https://x.com/danielsethlewis/status/1819004613678297432)  2024-08-01T13:37Z [----] followers, [--] engagements


"$NVDA buying back its own stock in instead of creating a $100bn cash to ensure it can compete will be one of the greatest own goals of this cycle"  
[X Link](https://x.com/danielsethlewis/status/1828423850389881134)  2024-08-27T13:26Z [----] followers, [---] engagements


"@AlexanderSoros @Tim_Walz Excellent trolling"  
[X Link](https://x.com/danielsethlewis/status/1838782355894354227)  2024-09-25T03:27Z [----] followers, [--] engagements


"@wingoz Very true -- but Diggs catches a perfect pass coaches dont hand over a game at :13 --narrative totally different. Is what it is tho"  
[X Link](https://x.com/danielsethlewis/status/1839716372063928606)  2024-09-27T17:18Z [----] followers, [----] engagements


"Josh Allen is the difference between the Pegulas being the worst owners in all of North American sports vs just the worst owners in the nhl. #BillsMafia"  
[X Link](https://x.com/danielsethlewis/status/1842654537850749075)  2024-10-05T19:54Z [----] followers, [---] engagements


"Cc: @Jeff_Mans @TheAlgoholic She grew up in The Great Depression. She experienced two World Wars. She saw the Civil Rights movement. She witnessed 9/11. She witnessed a pandemic ravage the world. But in [---] years on this planet She has never seen the Chicago Bears have a [----] yard passer She grew up in The Great Depression. She experienced two World Wars. She saw the Civil Rights movement. She witnessed 9/11. She witnessed a pandemic ravage the world. But in [---] years on this planet She has never seen the Chicago Bears have a [----] yard passer"  
[X Link](https://x.com/danielsethlewis/status/1849608205208260941)  2024-10-25T00:25Z [----] followers, [---] engagements


"WaPo failed to explicitly tell its readers -- who are nearly all voting for Harris - that they should vote for Harris. Sorry who cares. A wild self-important hill to die on for a bunch of journalists who publish their bias on a daily basis. We have a universal problem of media pushing special interests for clicks or their political agenda. Imagine cancelling a Fox subscription b/c it didn't publish [--] paragraphs on telling readers to vote DJT. http://foxnews.com http://foxnews.com"  
[X Link](https://x.com/danielsethlewis/status/1850246988865937848)  2024-10-26T18:43Z [----] followers, [--] engagements


"@IvanTheK The non endorsement was a win for Harris in getting clicks to get out the vote. To be angry. Its all so stupid"  
[X Link](https://x.com/danielsethlewis/status/1850252495370522838)  2024-10-26T19:05Z [----] followers, [--] engagements


"Case in point. @IvanTheK 😬 NEWS Nika Soon-Shiong whose family owns the LA Times confirms the decision not to endorse a candidate was made by her family due to Kamala Harris position on the war in Gaza. Our family made the joint decision not to endorse a Presidential candidate. This was the first https://t.co/9oGn9amlFb NEWS Nika Soon-Shiong whose family owns the LA Times confirms the decision not to endorse a candidate was made by her family due to Kamala Harris position on the war in Gaza. Our family made the joint decision not to endorse a Presidential candidate. This was the first"  
[X Link](https://x.com/danielsethlewis/status/1850267747642392875)  2024-10-26T20:06Z [----] followers, [---] engagements


"@AaronQuinn716 This is the only take. All time great Buffalo Bills player"  
[X Link](https://x.com/danielsethlewis/status/1851399127663304879)  2024-10-29T23:02Z [----] followers, [--] engagements


"$ROOT $LMND"  
[X Link](https://x.com/danielsethlewis/status/1851769991407788327)  2024-10-30T23:35Z [----] followers, [---] engagements


"Blame the Jews next level here"  
[X Link](https://x.com/danielsethlewis/status/1854749834156073031)  2024-11-08T04:56Z [----] followers, [--] engagements


"@J9Talley Ungodly housing and food prices multi year economic contraction massive wave of crime drugs. Overburdened infrastructure. Tax rates of California wages of Alabama. Fixable glorious but on its ass"  
[X Link](https://x.com/danielsethlewis/status/1855441995449200782)  2024-11-10T02:46Z [----] followers, [--] engagements


"I am not helping by saying it feels different. If Dogecoin Alt coins was a daily IPO it would be that. So much of the ai bubble will be buried in private VC funds or corporates strategic capital. Moreover big tech has bigger teams in: M&A banking in tech than Goldman. History is rhyming but not repeating in stocks MO. No IPOs to speak of as a comparable"  
[X Link](https://x.com/danielsethlewis/status/1856174791960481843)  2024-11-12T03:18Z [----] followers, [---] engagements


"@Jesse_Livermore @Fullcarry The odds of a smooth ride in capacity to hit an ROE seem low. But again buried in big cap"  
[X Link](https://x.com/danielsethlewis/status/1856175040930185378)  2024-11-12T03:19Z [----] followers, [---] engagements


"just have a process and sticking to it. More interested in what we will be talking about in a year. Dont have to play. A Canada reborn comes to mind. Rates not falling like expected (now consensus). The ai story is emerging new tech could reduce the need for so much power DC or chips Monster recovery in home insurance profitability. Etc. Im all ears"  
[X Link](https://x.com/danielsethlewis/status/1856178970288324680)  2024-11-12T03:35Z [----] followers, [--] engagements


"Ai spending is reflexivity [---] markets will decide when (if) its too much and the CEOs will react to that. Inflation seems right but almost too easy fiscal spending not sure how much of a real dent they can make in deficit given non discretionary On my career check list a fed credibility + Fiscal crisis remain unchecked. I am really trying to lean into the less trafficking ideas i mentioned such as continued insurance recovery. Im listening"  
[X Link](https://x.com/danielsethlewis/status/1856181622703566964)  2024-11-12T03:45Z [----] followers, [--] engagements


"@BagelC47 when you give away insurance and spend infinity on CAC it works wonders for the top line"  
[X Link](https://x.com/danielsethlewis/status/1856550765738729543)  2024-11-13T04:12Z [----] followers, [--] engagements


"now lets do $ROOT q4'23 gross profit: $47m q3'24 gross profit: $99m Change = +$56m [---] mo Marketing Spend $96m - Other insurance expense (not all commissions): $75m. + $208m of ANNUAL change in gross profit on spend of around $130-$150m. And yes we should multiply that by LTV. I suggest studying financial statements they are more fun than "we are cash flow positive" or "earnings before stock comp or debt expensive related to CAC""  
[X Link](https://x.com/danielsethlewis/status/1856566096171569372)  2024-11-13T05:13Z [----] followers, [--] engagements


"@bjmtweets @BagelC47 @andycyau @PaperBagInvest Holy Hell no. The cost to repair relative to the premium they charge in the loss ratio. They have one of the lowest loss ratios in the USA. Carvana costs will be commissions in other insurance which i included http://smokes.No http://smokes.No"  
[X Link](https://x.com/danielsethlewis/status/1856656396965597484)  2024-11-13T11:12Z [----] followers, [--] engagements


"Spirit Airlines in Ch11 is JACKING UP consumer flight costs following the FTC blocking its merger with Jet Blue. The result was Spirit filed bankruptcy. Then it fired staff. Its a wild case where the FTC mauled consumers in time for Thanksgiving and Christmas. $SAVEQ Anti trust is important. But when its used dogmatically ideologically it can harm in both directions. I am asking the progressives to stop and think for a bit here the world is full of nuance. Your policy suggestions are always blame capitalism and are politically DOA. Rather why not focus on nuance when the other party does not"  
[X Link](https://x.com/danielsethlewis/status/1859705434724049009)  2024-11-21T21:08Z [----] followers, [---] engagements


"@fallacyalarm why are supposed to care that a German insurance company with an asset manager bought a convertible"  
[X Link](https://x.com/danielsethlewis/status/1860117193482207709)  2024-11-23T00:24Z [----] followers, [--] engagements


"No Jim thats not what hes saying. Many things to disagree about but not that. Is that what you teach Lending someone your credit card so they can gorge on junk food is . #Obesenomics It does read like a Canadian liberal economics professor - advocating for policies leading to declining output per capital and worse standards of living"  
[X Link](https://x.com/danielsethlewis/status/1862302672956621047)  2024-11-29T01:08Z [----] followers, [--] engagements


"A decent chunk of Canadians like the Venezuela and Argentina approach. For them; its working According to the Public Service Commission of Canada the size of the federal public service reached [------] employees in 2022/23an increase of [----] per cent since 2014/15. Meanwhile: [--] per cent of Canadians believe they get good or great value from the services they receive from governments such as health care education police roads and national defence"  
[X Link](https://x.com/danielsethlewis/status/1862590708890443941)  2024-11-29T20:13Z [----] followers, [----] engagements


"@chevrolet made a holiday commercial about dead grandpas. Giving jaguar a run here in time for Xmas Cc @TheAlgoholic #billsmafia"  
[X Link](https://x.com/danielsethlewis/status/1863409247293177909)  2024-12-02T02:25Z [----] followers, [---] engagements


"Not when you consider you can (1) add the PV of future earnings of a customer add that to surplus without any CAC stock comp so no capital is req'd (2) Grow at a 30% (3) using n a computer model that will spit out the most amazing loss ratios EVER in this obviously low competition auto industry (4) while using this AMAZING NEW technology called Telematics"  
[X Link](https://x.com/danielsethlewis/status/1863697244261597677)  2024-12-02T21:30Z [----] followers, [--] engagements


"Can we find something with a lesser probability of success/financing than this dreamworld project with the shark tank guy This reads more like something Trudeau would do. How about a proper partnership with a big-tech company such as $META did in Louisiana. How about local companies involved in power generation and natural gas with a commitment to longer term sources of energy Totally unserious stuff and very disappointing given it's the likely the biggest economic opportunity in [--] years"  
[X Link](https://x.com/danielsethlewis/status/1866223581962858986)  2024-12-09T20:49Z [----] followers, [--] engagements


"@persianjewess I want to see polling data like Oxford on if students think the murder was justified. Lets see the next Harvard poll take this one on. This would be 100% correlated to the river/sea crowd. Who on earth would prioritize hiring a social sciences major from an Ivy"  
[X Link](https://x.com/danielsethlewis/status/1866545765721477539)  2024-12-10T18:09Z [----] followers, [---] engagements


"Hard not to laugh. Or more plausibly to make sure that terrorists dont get nerve gas or other weapons. Israel doing a service for us all - including for the ideologically broken academic(s) whom Jihadi terrorists wouldnt just censor but destroy. talk about cheering for the wrong team"  
[X Link](https://x.com/danielsethlewis/status/1866608942698082542)  2024-12-10T22:20Z [----] followers, [---] engagements


"one my greatest lessons from prop trading days was to understand cases where a buyer/seller had uneconomic incentives to transact. Eg. a bank selling a bad loan portfolio for regulatory reasons. It's a great way to capture value at premium/discount to intrinsic value -- adding IRR/margin of safety"  
[X Link](https://x.com/danielsethlewis/status/1866945997659836500)  2024-12-11T20:39Z [----] followers, [--] engagements


"@Jeff_Mans Im sad you didnt @ cc/ the private equity guy on this. Happy holidays @Jeff_Mans and wishing many blessings for you and your loved ones. -d"  
[X Link](https://x.com/danielsethlewis/status/1867398807362699356)  2024-12-13T02:39Z [----] followers, [---] engagements


"What the actual f.*ck is wrong with this newspaper. You are we poor as Mississippi. Housing is unaffordable. Traffic insane. The government wont work arguing commuting increases climate change. Your regulations stifle job creation. You have no accounting for spending. The immigration system is in tatters. Healthcare is broken. Hate crimes are exploding and civility is gone. You hand out free coupons for beer as a stimulus plan. Politicians virtue signal rather than fix problems. Holy smokes the G&M is the worst paper of record i can find"  
[X Link](https://x.com/danielsethlewis/status/1869590869768319342)  2024-12-19T03:49Z [----] followers, [--] engagements


"@InformedByIan that they didn't raise capital on this means they are either grossly incompetent or they couldn't"  
[X Link](https://x.com/danielsethlewis/status/1869744292350362079)  2024-12-19T13:59Z [----] followers, [--] engagements


"@ruth_capital Try $ROOT"  
[X Link](https://x.com/danielsethlewis/status/1869853537355870454)  2024-12-19T21:13Z [----] followers, [---] engagements


"@Jesse_Livermore Its f*cking next level grift to want to diversify from the worlds stablecoin"  
[X Link](https://x.com/danielsethlewis/status/1870628965431554321)  2024-12-22T00:34Z [----] followers, [---] engagements


"@blondesnmoney that is a remarkable I/S line item"  
[X Link](https://x.com/danielsethlewis/status/1875327691941110256)  2025-01-03T23:45Z [----] followers, [---] engagements


"@jimcramer Yeah i figure a $200m issue will keep up with $goog"  
[X Link](https://x.com/danielsethlewis/status/1876766517779403219)  2025-01-07T23:03Z [----] followers, [----] engagements


"@yashar Inverse @bariweiss ETF"  
[X Link](https://x.com/danielsethlewis/status/1878907779005689859)  2025-01-13T20:51Z [----] followers, [---] engagements


"@AOC Please report it @RashidaTlaib office in the morning"  
[X Link](https://x.com/danielsethlewis/status/1881531744966607021)  2025-01-21T02:38Z [----] followers, [--] engagements


"@sadvalueinvestr @CliffordAsness @elonmusk @sadvalueinvestr @CliffordAsness here is a photoshopped baby red panda making a Nazi Salute. Fuck that nazi panda. from the river to the sea"  
[X Link](https://x.com/danielsethlewis/status/1881821085869682890)  2025-01-21T21:48Z [----] followers, [---] engagements


"A+ work #billsmafia ❤💙❤💙 Shout out to Bills Mafia for showing support to our guy Mark Andrews and donating to the @BreakthroughT1D organizationwhich works towards curing and improving the lives of those dealing with Type [--] diabetes. 💜 https://t.co/tQfjchcmOx Shout out to Bills Mafia for showing support to our guy Mark Andrews and donating to the @BreakthroughT1D organizationwhich works towards curing and improving the lives of those dealing with Type [--] diabetes. 💜 https://t.co/tQfjchcmOx"  
[X Link](https://x.com/danielsethlewis/status/1881895584430461013)  2025-01-22T02:44Z [----] followers, [---] engagements


"@BriannaWu It would cause a massive recession knocking out credit for millions. Capital will not lend at 10% it will disappear. No one likes credit card rates fees or hidden costs. But those are the facts"  
[X Link](https://x.com/danielsethlewis/status/1888090943993131402)  2025-02-08T05:02Z [----] followers, [---] engagements


"@BriannaWu It will prevent people from getting credit scores and ensure only rich get access to debt finance. Posting on X does not make everyone become an instant expert @BriannaWu"  
[X Link](https://x.com/danielsethlewis/status/1888102898942324936)  2025-02-08T05:49Z [----] followers, [--] engagements


"welcome its a gong show and quite fun to go through the CAC/LTV loss ratios income adjustments debt engineering for marketing spend low $ premium/customer and the gibberish obfuscation and promises of a commodity product they dont really sell yet -- followed by the insider selling after the IR Day"  
[X Link](https://x.com/danielsethlewis/status/1888479159485383062)  2025-02-09T06:44Z [----] followers, [---] engagements


"@Martina It is not a valid argument to avoid waste removal of an area simply because it is a small % of the total. Its how we got here in the first place. Its why zero based budgeting and other methods often work so well"  
[X Link](https://x.com/danielsethlewis/status/1889371311492743266)  2025-02-11T17:49Z [----] followers, [--] engagements


"always looking for top management honest financials high ROIC reasonable price. I cannot help that the $LMND cult has an inability to study financials or ask piercing questions about a commoditized industry with a combined ratio that can be broken into pieces. So many better ideas to study admire invest"  
[X Link](https://x.com/danielsethlewis/status/1889433557975654725)  2025-02-11T21:57Z [----] followers, [---] engagements


"@fallacyalarm I will NEVER understand why $LMND didnt tap the equity or convert markets last quarter"  
[X Link](https://x.com/danielsethlewis/status/1889455571683717338)  2025-02-11T23:24Z [----] followers, [---] engagements


"@fallacyalarm Evil is too strong for me. A bad business plan w a leadership i cannot underwrite. But to their credit excellent brand for sure. $Root price means you need no victory lap Good call"  
[X Link](https://x.com/danielsethlewis/status/1889514979587493913)  2025-02-12T03:20Z [----] followers, [--] engagements


"Let us not forget they choose not to raise capital at 6x book choosing instead 17% (estimate) cost of debt - which all but ensures a destruction of capital While advocating their edge includes ai- agents that GROK says you can do in [--] min and widely available telematics. while insiders sold shares. $LMND"  
[X Link](https://x.com/danielsethlewis/status/1894532218787168675)  2025-02-25T23:37Z [----] followers, [---] engagements


"@WolfpackReports @WolfpackReports are ya'll still short $MAX"  
[X Link](https://x.com/danielsethlewis/status/1904013609698488689)  2025-03-24T03:33Z [----] followers, [--] engagements


"Hey -- back to that $ROOT vs. $LMND debate -- anyone"  
[X Link](https://x.com/danielsethlewis/status/1904271453777801687)  2025-03-24T20:37Z [----] followers, [----] engagements


"The inflation was great - not sure what you call a crisis but that sure was less than ideal. Losing our reserve fx status would be less than ideal. I suggest an extended trip through economic history and sovereign debt crisis. Eventually you have to pay what is due. This is cultist fringe nonsense"  
[X Link](https://x.com/danielsethlewis/status/1906427516941979958)  2025-03-30T19:25Z [----] followers, [----] engagements


"I think we both know a thing or two about sovereign debt. I simply don't buy the idea you can spend into infinity without consequences. I am not religious about some knowable rule of max Debt/GDP --but I do dismiss the ideology that spending doesn't matter. Maybe I just dont want to find out. Like COVID I also accept this will be another year of freakish macro data distortions with inventory build austerity (TBD) tariff behavior"  
[X Link](https://x.com/danielsethlewis/status/1906469808809365949)  2025-03-30T22:13Z [----] followers, [---] engagements


"These measures create needed incentives to recycle capital into new housing development adding supply. Canada desperately needs tax cuts on NEW investment. ANYTHING to increase investment adding new supply is good. Including recycling capital tax free to invest in real estate. Of course businesses can keep investing their returns in the USA draining financial and brain capital from Canada partially explaining the GDP/Capita debacle. This site is great as it explain the broken Canadian brain"  
[X Link](https://x.com/danielsethlewis/status/1906525361816400226)  2025-03-31T01:54Z [----] followers, [--] engagements


"@Helyeh_Doutaghi a known terrorist affiliate about to get very popular with the Queer for Palestine crowd. bye"  
[X Link](https://x.com/danielsethlewis/status/1907161871435624946)  2025-04-01T20:03Z [----] followers, [--] engagements


"@BillAckman you still like $Uber"  
[X Link](https://x.com/danielsethlewis/status/1908334010410934492)  2025-04-05T01:40Z [----] followers, [--] engagements


"@zerohedge page views 📈✅ @BillAckman Man-child posts ✅ @RayDalio "I told you people all along it was armageddon buy my useless philosopher book" post ✅ @jimcramer rolled up sleeves panic if they don't do something post✅ @Jkylebass on @cnbc I am short infinite amounts of HKD Not Yet"  
[X Link](https://x.com/danielsethlewis/status/1909344299122049287)  2025-04-07T20:35Z [----] followers, [--] engagements


"There is not a single dedicated institutional investor in this stock. Why No one gets it No one Im not sour. Im amused and surprised we are still having this debate. $LMND is in the bottom 10% performing insurance stocks over almost any measurable period. None of you ever ask why or seem to care. Perhaps they will figure out auto without giving away policies at below market rates with higher than average CAC using expensive financial engineering they call synthetic agents. But it would be a first"  
[X Link](https://x.com/danielsethlewis/status/1909390591701491808)  2025-04-07T23:39Z [----] followers, [---] engagements


"but you do understand that insurance is largely a commodity -- so you can get customers by underpricing risk or overpaying for acquisition bragging about customers without underwriting economics is like giving away a dollar for [--] cents and making it up on volume. and no I am not wrong about zero institutional sponsorship. as to not knowing what I am looking at - perhaps your response could be more balanced. I had a few recommendations in the insurance sector -- and we did just fine"  
[X Link](https://x.com/danielsethlewis/status/1909434727578087534)  2025-04-08T02:34Z [----] followers, [---] engagements


"@mark_dow We are in the lowest iq market in history. I miss the honest debates. Its still good for memes tho"  
[X Link](https://x.com/danielsethlewis/status/1910109469641494972)  2025-04-09T23:16Z [----] followers, [--] engagements


"Pretty soon @BillAckman will want to ban short selling"  
[X Link](https://x.com/danielsethlewis/status/1910724492441145379)  2025-04-11T15:59Z [----] followers, [--] engagements


"@SharpFootball Bills Mafia"  
[X Link](https://x.com/danielsethlewis/status/1911904537046134985)  2025-04-14T22:08Z [----] followers, [--] engagements


"ELIZABETH WARREN [--] MONTHS AGO: "Dear Chair Powell: We write today to urge the Federal Reserve (the Fed) to cut the federal funds rate from its current two-decade-high of [---] percent.1 This sustained period of high interest rates is already slowing the economy .Furthermore the European Central Bank (ECB) which like the Fed has a mandate to steer inflation towards a target of 2% cut interest rates for the first time in five years.Its time for the Fed to do the same"  
[X Link](https://x.com/danielsethlewis/status/1912911662786683119)  2025-04-17T16:50Z [----] followers, [--] engagements


"ANY TIME these VCs like @a16z or @chamath have to get markst by public/transparent investors -- its -90%. VCs structure deals where smaller investors are not allowed access to financial info (crazy) and there is a restriction on who can sell -- artificially inflating what is most of the time HOT GARBAGE. Imagine investing in a company then a bigger guy comes in and you lose your right to financial information. WILD. Then VCs recycle the capital between each other like it's a hot potato. Funny stuff"  
[X Link](https://x.com/danielsethlewis/status/1917700615674659093)  2025-04-30T22:00Z [----] followers, [----] engagements


"@RebelNewsOnline this what it must feel like if Bernie Sanders was president"  
[X Link](https://x.com/danielsethlewis/status/1920598665065820439)  2025-05-08T21:56Z [----] followers, [--] engagements


"I think this is reasonable in the offshore leverage is very opaque. I do think in an adverse scenario ROOT has less dilutive sources of capital - (and let's see what happens with Carvana warrants). Hats off to your thoughtful posts -- we are all better off for it. I welcome dialogue about P&C insurers as there are few willing to do the work and engage constructively. Certainly beats trying to debate $LMND"  
[X Link](https://x.com/danielsethlewis/status/1924670261250392244)  2025-05-20T03:35Z [----] followers, [--] engagements


"@WelfareCapLLC For the last SEVEN years $UNH has generated an average **return on equity of 25%**. It does not make an OUNCE of fucking sense and it's infuriating. There is no scale insurance company that prints that kind of number. Nor should they"  
[X Link](https://x.com/danielsethlewis/status/1926426901729444058)  2025-05-24T23:55Z [----] followers, [---] engagements


"@Neil_X10 then why are they so bad at underwriting why are they entrenched in small ideas like pet. and why do they appeal to people who have no capital to invest questions"  
[X Link](https://x.com/danielsethlewis/status/1927859081894609128)  2025-05-28T22:46Z [----] followers, [--] engagements


"@RossTuckerNFL Josh Allen. Easy. Its done weekly"  
[X Link](https://x.com/danielsethlewis/status/1929362624120009041)  2025-06-02T02:21Z [----] followers, [---] engagements


"$UNH has averaged an ROE of around 25% for [--] years including during a F*CKING PANDEMIC. No sane person should want to live in a society where the most scaled benchmark health insurance company generates constant excess returns as real $ premiums sky rocket. https://www.wsj.com/health/healthcare/unitedhealth-ceo-andrew-witty-medicare-dde1964cmod=hp_lead_pos9 https://www.wsj.com/health/healthcare/unitedhealth-ceo-andrew-witty-medicare-dde1964cmod=hp_lead_pos9"  
[X Link](https://x.com/danielsethlewis/status/1929399942273220868)  2025-06-02T04:49Z [----] followers, [----] engagements


"@HayekAndKeynes because Ray Dalio NEEDS YOU to know the world is ending. Just like private equity NEEDS your retirement"  
[X Link](https://x.com/danielsethlewis/status/1931533968660120024)  2025-06-08T02:09Z [----] followers, [---] engagements


"@Nick_Lamparelli they do not understand how commoditized the AI is already"  
[X Link](https://x.com/danielsethlewis/status/1931835576958992651)  2025-06-08T22:07Z [----] followers, [--] engagements


"that is my argument yes. it is an operating biz w/ ai as the foundational layer what every VC is scouring the market for. certainly what I believe in. they still need to prove their new broker and distribution channels -- so far so good. and good on them for the pivot. (not investment advice)"  
[X Link](https://x.com/danielsethlewis/status/1933287703417647235)  2025-06-12T22:18Z [----] followers, [--] engagements


"@caitoz Hi nuance much"  
[X Link](https://x.com/danielsethlewis/status/1933716466001404377)  2025-06-14T02:41Z [----] followers, [----] engagements


"@JCColtin This might also be sponsored by Palantir $pltr biz dev team"  
[X Link](https://x.com/danielsethlewis/status/1934096728040308918)  2025-06-15T03:52Z [----] followers, [---] engagements


"'not a numbers guy' blocked me. but lets clarify: [--]. Without a dramatic drop in burn $LMND will require more capital. Its book value is shrinking quickly. It is not debatable those are the numbers. [--]. Thus if they don't hit targets or change course there would be meaningful dilution. You cannot run a multi-billion dollar insurance company without significant capital even if it uses buzz words like 'ai' and 'agent.' [--]. $LMND chose to raise debt while insiders and large holders soldl stock instead of raising more equity capital to take this risk off the table. [--]. We shoud worry about Neil."  
[X Link](https://x.com/danielsethlewis/status/1934684809210511845)  2025-06-16T18:49Z [----] followers, [---] engagements


"@SenWarren @Senwarren 🤝 @Mastercard / @Visa"  
[X Link](https://x.com/danielsethlewis/status/1934688317078945896)  2025-06-16T19:03Z [----] followers, [--] engagements


"@ColumbiaBDS @ColumbiaBDS is team IRGC. Parents please call your children and tell them its time to come home"  
[X Link](https://x.com/danielsethlewis/status/1934806973955899843)  2025-06-17T02:55Z [----] followers, [---] engagements


"that is not an argument. I never said "Daniel + Shai sold shares." The balance sheet and the adjusted adjustments speak for themselves and as things got worse they resorted to more financial engineering and non GAAP metrics. Insiders have sold stock. Softbank puked stock. This is public information. Keep trying on any of the salient points above"  
[X Link](https://x.com/danielsethlewis/status/1934827384882012429)  2025-06-17T04:16Z [----] followers, [--] engagements


"@shai_wininger 😂 Hi @shai_wininger When you want to stop debating retail -- I have a list of questions. I would like to be bullish as I am by nature. Can we start with U/W profit margin less 16% interest expense on CAC for core as it relates to ROIC"  
[X Link](https://x.com/danielsethlewis/status/1934853082317242868)  2025-06-17T05:58Z [----] followers, [---] engagements


"@PaperBagInvest @omegaaaaa4 I have no current short positions including $LMND. P&C is my largest sector weight. I just went on a podcast saying I was long HUPO and like the BETR ai story and RKT in fintech sorry"  
[X Link](https://x.com/danielsethlewis/status/1934853817918460147)  2025-06-17T06:01Z [----] followers, [---] engagements


"Support of the IRGC will be the litmus test for human decency. Its a permanent capture of data and one cannot wear a mask to conceal it. Thee anti-liberal left radical islamists and extreme right are in their usual sync. Incapable of nuance reacting regardless of data unable to evaluate single issues for their own merits blinded by ideology and hate. You will see every politician influencer academic and so called 'activist' come out on Iran in a totally predictable way. In a way you knew they would BEFORE anything happened"  
[X Link](https://x.com/danielsethlewis/status/1935029014114005201)  2025-06-17T17:37Z [----] followers, [---] engagements


"@buccocapital so wait you can get the utility of owing the LA LAKERS and compound at 11% Damn. Good trade"  
[X Link](https://x.com/danielsethlewis/status/1935555443994304776)  2025-06-19T04:29Z [----] followers, [---] engagements


"@TadhgHickey it take a lot of mental gymnastics to grieve one civilian population but not the other"  
[X Link](https://x.com/danielsethlewis/status/1935722032752394420)  2025-06-19T15:31Z [----] followers, [---] engagements


"@brianros1 @Steven_Strauss Yeah welcoming such as Qatar"  
[X Link](https://x.com/danielsethlewis/status/1936349288071893222)  2025-06-21T09:03Z [----] followers, [--] engagements


"@mark_dow While Tuberville might actually be a goat (or pig) i suggest a look at whats doing in Huntsville AL with respect to jobs per capita GDP These cool spots are lapping the East/West. Very few people know about it or want to believe it. Alabama has a lot going for it"  
[X Link](https://x.com/danielsethlewis/status/1936446135901512087)  2025-06-21T15:28Z [----] followers, [---] engagements


"@Jesse_Livermore Shhhhh. Thats nuance. We dont talk like that"  
[X Link](https://x.com/danielsethlewis/status/1936604146016113047)  2025-06-22T01:56Z [----] followers, [---] engagements


"@persianjewess Gd only knows how many in Canada"  
[X Link](https://x.com/danielsethlewis/status/1937529400141971964)  2025-06-24T15:13Z [----] followers, [---] engagements


"@quinneverett @petersgoodman Enron vibes with those financial statements"  
[X Link](https://x.com/danielsethlewis/status/1937714122797265092)  2025-06-25T03:27Z [----] followers, [----] engagements


"@AndrewD4133 @PFF the only flaw on the resume is a failure to beat a KC dynasty. fine that sucks. most wins in the NFL during that time. no matter how week a division - the level of consistency is outstanding"  
[X Link](https://x.com/danielsethlewis/status/1937933428793413785)  2025-06-25T17:58Z [----] followers, [---] engagements


"$BLK is negligent at best knowingly breaching fiduciary duty at worst (1) Virtually all these assets perform worse than the stock market (net of fees) over time (2) Pumping retail with the identical product that have left endowments illiquid/stuck while enriching asset mangers consultants -- is grotesque. NO ONE -- should sign up for this. I predict $BLK will pay monster settlement down the road for this bullshit. 'BlackRock's approach would include a 5% to 20% allocation to private assets in the retirement plans depending on the investor's age according to a research paper released on"  
[X Link](https://x.com/danielsethlewis/status/1938256463908245790)  2025-06-26T15:22Z [----] followers, [---] engagements


"the GC debt is priced at a 16% IRR. That is my favorite part. Unless its a fully bundled product where $LMND had a normal underwriting margin (but they don't it's far worse) any profit would be eaten alive by the interest expense. the entire story rests on them cross selling a product they don't have at U/W margins they have never achieved. this is why the LTV/CAC of "we are 6:1" is funny"  
[X Link](https://x.com/danielsethlewis/status/1938337982265569502)  2025-06-26T20:46Z [----] followers, [--] engagements


"@Stickstrom @PaperBagInvest you cannot. make a return on capital. in rent + pet. with digital marketing. as your primary acquisition channel"  
[X Link](https://x.com/danielsethlewis/status/1939367398156783897)  2025-06-29T16:56Z [----] followers, [--] engagements


"$LMND $BETR market cap breaks my brain"  
[X Link](https://x.com/danielsethlewis/status/1939770651553694196)  2025-06-30T19:38Z [----] followers, [---] engagements


"Series C to E are often over capitalized with terrible up cap stacks at valuations way ahead of themselves. Particularly SV cos meaning employees also get stock comp at inflated prices. This also happened in 99-01. The better way to source ideas and talent is to seek talent OUTSIDE of overpriced people in CA. Investors in overcrowded names with illiquidity inflating prices prohibitions on selling shares making it worse rarely do well. Look where others are not. Example: ask where the name of the week (Mercor) came from. It was not CA NY or Boston"  
[X Link](https://x.com/danielsethlewis/status/1940435209620488317)  2025-07-02T15:39Z [----] followers, [---] engagements


"@StephanieKelton Hey there endless deficit advocate -- NORWAY HAS A CONSISTENT BUDGET SURPLUS led by FOSSIL FUELS. They do a lot right - but what a whacky argument to support MMT and EVs"  
[X Link](https://x.com/danielsethlewis/status/1940785605958685020)  2025-07-03T14:52Z [----] followers, [---] engagements


""We need to get somebody from the middle east sic owho is Arab on our board. Quickly I think. Somehow. HOW does someone survive that @Columbia That is INSANE now add being 'so so tired" of the Kewish board member. Any other group -- the President or faculty would be GONE. Meanwhile student and facility demand ban of Israelis for being . Israeli"  
[X Link](https://x.com/danielsethlewis/status/1940822030342901968)  2025-07-03T17:16Z [----] followers, [---] engagements


"I would like to formally announce my pitch for the awesomeness of the Nashville GTA. Everyone wants to debate FL/TX Austin Dallas Miami PB Can catch a concert eat in east Nashville sports Vandy work with a pro commerce government - be in a place pretty as Bridgehampton in [--] min. No idea what anyone is thinking at this point other than yeah Oracle thats you coming here People want to do things. Also we do flags here. AMERICAN flags"  
[X Link](https://x.com/danielsethlewis/status/1940992789417709805)  2025-07-04T04:35Z [----] followers, [--] engagements


"@tyler__palmer @elonmusk + add privatization of social security that can also investing US infrastructure projects equities and debt"  
[X Link](https://x.com/danielsethlewis/status/1941680608406634768)  2025-07-06T02:08Z [----] followers, [--] engagements


"BRICS is hilarious when you consider it is literally the settler and colonized joined together in a trade union. Ivy League Sociology departments where you at"  
[X Link](https://x.com/danielsethlewis/status/1942421517800718424)  2025-07-08T03:12Z [----] followers, [---] engagements


"Man its the self righteousness of Californians who deploy one regressive policy -- lack any kind of self-reflection -- while they mock the US South: - CA gas prices at the pump are 35% higher - LA has a 9.5% sales tax - Housing prices Permitting costs Home insurance is just one clusterfuck - Cannot build infrastructure without a [--] year battle at 500x the price. - Regulations that are inflationary disproporationely impacting lowest income - Poorest pay the most to commute This is EQUITY I could go off for hours on regulations when it comes to hiring (I own a staffing biz) -- making those with"  
[X Link](https://x.com/danielsethlewis/status/1942604756230291733)  2025-07-08T15:20Z [----] followers, [--] engagements


"Yes we need more and more and more student loans that can never hope to be repaid by a sociology PHD w. a thesis in Palestinian studies who cant have a credit score to buy a car or house after defaulting. while universities face no pressure to control tuition followed by more and more demands for taxpayer debt BAILOUTS Ladies and Gentlemen: Liz Warren @SenWarren One of the greatest hypocrites of our time"  
[X Link](https://x.com/danielsethlewis/status/1943061584613388426)  2025-07-09T21:35Z [----] followers, [--] engagements


"@terenceleong46 with no view on $CVNA this is dogfood analysis. They are not trading derivatives - they acquired a series of long dated warrants from a preferred investment in $ROOT have mark to market consequences given the stock volatility"  
[X Link](https://x.com/danielsethlewis/status/1943394831868285308)  2025-07-10T19:40Z [----] followers, [---] engagements


"@CedarReseach This is basically what $LMND promised its cult followers"  
[X Link](https://x.com/danielsethlewis/status/1943520126990499943)  2025-07-11T03:58Z [----] followers, [---] engagements


"@CedarReseach @Nick_Lamparelli What $LMND doesnt understand is that the landlords control distribution -- advertising on the Internet for rent or pet is death"  
[X Link](https://x.com/danielsethlewis/status/1943520516414791941)  2025-07-11T03:59Z [----] followers, [---] engagements


"At this rate the Carney stimulus plan will be funding carbon capture projects for its carbon capture projects for its carbon capture projects @Canada Trump threatens 35% tariff on Canadian goods https://t.co/niTOStKto9 Trump threatens 35% tariff on Canadian goods https://t.co/niTOStKto9"  
[X Link](https://x.com/danielsethlewis/status/1943532678839435265)  2025-07-11T04:47Z [----] followers, [---] engagements


"How can @pmarca argue that the historically prestigious universities are rejecting top talent for DEI/politics -- pushing it elsewhere -- but while also that (1) talent must congregate in SF or NY (self serving for AUM) and (2) ai means you need less capital (less AUM to deploy) *** IT HAS NEVER been a better time to scour middle markets or lesser known academic ecosystms for the best talent with the best ideas. *** And the Series C guys will overpay for those folks them once they move them out to California. @AmOptimistShow Marc Andreessen: if you're the parents of a smart kid where I grew"  
[X Link](https://x.com/danielsethlewis/status/1943877873049174379)  2025-07-12T03:39Z [----] followers, [---] engagements


"@margaret_corns @SenSanders @Canada Here let me help you: You can get medical approval to commit assisted SUICIDE (90 days) if you have no terminal illness faster than many of medical service. https://www.canada.ca/en/health-canada/services/health-services-benefits/medical-assistance-dying.html#a3 https://www.cda-amc.ca/sites/default/files/hta-he/HC0024_cmii_2022_2023_evidence_preview.pdf https://www.canada.ca/en/health-canada/services/health-services-benefits/medical-assistance-dying.html#a3 https://www.cda-amc.ca/sites/default/files/hta-he/HC0024_cmii_2022_2023_evidence_preview.pdf"  
[X Link](https://x.com/danielsethlewis/status/1943884724469936598)  2025-07-12T04:06Z [----] followers, [--] engagements


"This isn't about whether @Canada or the USA is better or worse. Each country has its own problems and the AMERICAN LEFT SHOULD NOT ROMANTICIZE Canada as some kind of free and equal utopia. I love Canada. But Im also amazed because the country is a shell of its former self when it comes to the economy healthcare drugs infrastructure education crime immigration taxation govt spending and housing affordability. It needs to get serious instead of blaming the United States-- fix your shit. American culture is very much alive as is American exceptionalism. And yes American healthcare is a disaster"  
[X Link](https://x.com/danielsethlewis/status/1944081714415894757)  2025-07-12T17:09Z [----] followers, [--] engagements


"@globeandmail Opinion: My 30-year tradition of increasing investment in @Canada pauses because of its unserious policies on the economy healthcare infrastructure education crime immigration and housing. I sincerely hope they fix it"  
[X Link](https://x.com/danielsethlewis/status/1944082675670847605)  2025-07-12T17:13Z [----] followers, [--] engagements


"@JJ_McCullough now do NEW YORK CITY"  
[X Link](https://x.com/danielsethlewis/status/1944169900362395722)  2025-07-12T22:59Z [----] followers, [--] engagements


"@blondesnmoney who's still involved in $HCI"  
[X Link](https://x.com/danielsethlewis/status/1945178955419447309)  2025-07-15T17:49Z [----] followers, [--] engagements


"@Noahpinion Thankfully @jeremycorbyn is in Bogota to prosecute the Jews. England -- well -- not so good"  
[X Link](https://x.com/danielsethlewis/status/1945320585174614422)  2025-07-16T03:12Z [----] followers, [----] engagements


"@FT I thought their RITE AID deal back in the day was INSANE. Lessons Nah. Now they pay lawyers infinity to learn what we already knew $ADT.TO Quebec. Share Classes. Because of course. What are we even doing here"  
[X Link](https://x.com/danielsethlewis/status/1945692142422421575)  2025-07-17T03:48Z [----] followers, [---] engagements


"@yanisvaroufakis doesnt speak Druze"  
[X Link](https://x.com/danielsethlewis/status/1945729476291170663)  2025-07-17T06:17Z [----] followers, [--] engagements


"@richimedhurst Druze"  
[X Link](https://x.com/danielsethlewis/status/1945732630068035666)  2025-07-17T06:29Z [----] followers, [---] engagements


"@MattWalshBlog its least popular because its self-righteous lacks nuance and is stupid"  
[X Link](https://x.com/danielsethlewis/status/1945944783999861011)  2025-07-17T20:32Z [----] followers, [--] engagements


"@CedarReseach BNPL is unique -- how"  
[X Link](https://x.com/danielsethlewis/status/1945961881136496905)  2025-07-17T21:40Z [----] followers, [--] engagements


"It is a rare moment that I would agree with someone named 'Cosmic' with 🚀🚀 -- $BETR -- I beleive is a 100x superior idea to $OPEN People who missed out $OPEN heres another gem. Waiting to 🚀 🚀 $BETR. This was once valued at [--] Billion pre IPO. Now valued at [---] Million. Easy 10X from here within a year. Once the rate cuts happen this will 🚀 🚀. Very long $BETR People who missed out $OPEN heres another gem. Waiting to 🚀 🚀 $BETR. This was once valued at [--] Billion pre IPO. Now valued at [---] Million. Easy 10X from here within a year. Once the rate cuts happen this will 🚀 🚀. Very long $BETR"  
[X Link](https://x.com/danielsethlewis/status/1947716602075508808)  2025-07-22T17:53Z [----] followers, [---] engagements


"@NateSilver538 I have a crush on @NateSilver538 I love hunter Bidens take is arguably better than queers for Palestine shit"  
[X Link](https://x.com/danielsethlewis/status/1947837814722429274)  2025-07-23T01:54Z [----] followers, [---] engagements


"@zohranmamdani Missed your fake smile and false promises you jumped straight into fake shit posting Should run for mayor of Dublin"  
[X Link](https://x.com/danielsethlewis/status/1947874325157085522)  2025-07-23T04:20Z [----] followers, [----] engagements


"@CedarReseach Thanks for this Q: how to create a framework for valuation of a hybrid from (10-20% risk retention) always wondering what spinnaker is worth -- asking for a friend 😂"  
[X Link](https://x.com/danielsethlewis/status/1948210118539026486)  2025-07-24T02:34Z [----] followers, [--] engagements


"@BladeoftheS the amazing irony of this after Qatar is FANTASTIC"  
[X Link](https://x.com/danielsethlewis/status/1948212527071998199)  2025-07-24T02:43Z [----] followers, [--] engagements


"$ARK obviously $LMND by 10x. I do wonder in softer markets when you do not own control of an MGA -- (or even a minority interest w/ a long-term contract) -- what happens what P/E drives fronting fees lower or demands risk retention go much higher What is the true 'value add' of the data vs. other fronts -- my hunch is thats more of a sales pitch Being able to add on reinsurance -- especially with clever structures/retention and ILS also is great but not sure it's a sustainable moat. Insightful as usual thx"  
[X Link](https://x.com/danielsethlewis/status/1948486040781537404)  2025-07-24T20:50Z [----] followers, [---] engagements


"Look what I got in the US Postal mail -- $LMND adverting car insurance This is a REVOLUTION in P&C activation. How are those insurance dinosaurs going to cope"  
[X Link](https://x.com/danielsethlewis/status/1948756637847572882)  2025-07-25T14:46Z [----] followers, [----] engagements


"@blondesnmoney In what year does amphenol hire FTI"  
[X Link](https://x.com/danielsethlewis/status/1952142437327208457)  2025-08-03T23:00Z [----] followers, [--] engagements


"@CedarStResearch this makes $LMND all the more amusing. $ROOT is waiving its arms saying "D2C is not profitable CAC is too high Unit Economics aren't there" Meanwhile $LMND is BLASTING the softer market with marketing spend with its auto at a 80% GLR. Like okay"  
[X Link](https://x.com/danielsethlewis/status/1953473555644981378)  2025-08-07T15:09Z [----] followers, [----] engagements


"@hollertotide @fallacyalarm @CedarStResearch Synthetic Agents = Debt to fund cash losses"  
[X Link](https://x.com/danielsethlewis/status/1953576962422657209)  2025-08-07T22:00Z [----] followers, [--] engagements


"@globeandmail Canada"  
[X Link](https://x.com/danielsethlewis/status/1955202484408029262)  2025-08-12T09:39Z [----] followers, [--] engagements


"@danpfeiffer Nothing screams insecure than the groveling at the feet of @ZohranKMamdani"  
[X Link](https://x.com/danielsethlewis/status/1956125853043069042)  2025-08-14T22:48Z [----] followers, [---] engagements


"@QasimRashid yeah thats exactly it. Mamandi would get 15% votes in [--] USA states"  
[X Link](https://x.com/danielsethlewis/status/1956849783177441521)  2025-08-16T22:45Z [----] followers, [----] engagements


"@globeandmail Can someone explain the intergalactic stupidity of letting them screw up everyone's flights first -- only THEN to be ordered back"  
[X Link](https://x.com/danielsethlewis/status/1956855586483839265)  2025-08-16T23:08Z [----] followers, [--] engagements


"@fallacyalarm $RKT has more broad RE exposure on produc: refi purchase HELOC. mortgage servicing. and now the Redfin biz. It is a market-share taker in bad markets with a killer portfolio and CEO vision. And it will crush the up-cycle"  
[X Link](https://x.com/danielsethlewis/status/1957041323539902953)  2025-08-17T11:26Z [----] followers, [---] engagements


"Zero idea why @MLB teams trades where they do. Absolute garbage brand. Todays post: The science of fashion and cultural change starting with an analysis of the fastest growing sport in modern US history: pickleball In [----] pickleball was half as popular as badminton. In [----] it was more popular than baseball. https://t.co/UIMauR3gkV https://t.co/oj7oNeu8xq Todays post: The science of fashion and cultural change starting with an analysis of the fastest growing sport in modern US history: pickleball In [----] pickleball was half as popular as badminton. In [----] it was more popular than baseball."  
[X Link](https://x.com/danielsethlewis/status/1957467317924741289)  2025-08-18T15:39Z [----] followers, [---] engagements


"@madrid_mike @GavinNewsom should not be elected fraternity historian"  
[X Link](https://x.com/danielsethlewis/status/1957562645298704573)  2025-08-18T21:57Z [----] followers, [----] engagements


"@PatrickMoranTB This is my favorite post of the year bar none. John Kidd was our only pro bowler. Beating Dallas on MNF was our Super Bowl"  
[X Link](https://x.com/danielsethlewis/status/1957568934359486659)  2025-08-18T22:22Z [----] followers, [---] engagements


"there is something hilarious about a California Democrat -- nationwide high gas prices and regulatory mayhem in tow -- as the combatant to 'socialist' candidates. Throw in the cronyism of Panera bread to lead the moral high ground. Simpler: LA burned down -- they enabled it and now prevent its rebuild. How did we get here Dems"  
[X Link](https://x.com/danielsethlewis/status/1959335461354192909)  2025-08-23T19:22Z [----] followers, [---] engagements


"New York State policymakers continue to argue that higher taxation asisthe answer to fiscal challenges. It is a privilege to oversee the most commercially vibrant city on earth. Betting that the rope length is infinite a ridiculous policy approach. Doing stupid things expecting that people wont leave is the wrong approachbecause actually they are leaving. The only viable solution is to attract and retain more people to stay invest and build. There are very few remaining reasons to start a company in NYS;"  
[X Link](https://x.com/danielsethlewis/status/1959769487743561733)  2025-08-25T00:07Z [----] followers, [---] engagements


"@GavinNewsom Panera Bread"  
[X Link](https://x.com/danielsethlewis/status/1960015176893079663)  2025-08-25T16:23Z [----] followers, [---] engagements


"@RGIII @GGriffinIII @OuttaPocketRG3 missing the part where he deserved an 'equal opportunity' in a preseason game after a month training camp. they didnt draft him first. they had other ideas on development. they have a plan he was not the focus. others could've drafted him. its a hilariously stupid debate"  
[X Link](https://x.com/danielsethlewis/status/1960077377192538557)  2025-08-25T20:30Z [----] followers, [---] engagements


"@CedarStResearch To their credit they've convinced people it should trade at 8x tangible book I have no idea why $LMND stock trades the way it does -- and apparently neither do the recent sellers Adina Eckstein (COO) John Peters (CUO)"  
[X Link](https://x.com/danielsethlewis/status/1960393870103003282)  2025-08-26T17:28Z [----] followers, [---] engagements


"@Nick_Lamparelli MSI is fucking FANTASITC and the $LMND crew wouldnt even know how to spell it. Assurant has a profitable renters book built on embedded partnerships too if i recall"  
[X Link](https://x.com/danielsethlewis/status/1960461136492683643)  2025-08-26T21:55Z [----] followers, [---] engagements


"That the market hasnt popped is hardly evidence. NVDA is the worlds largest company when it so obviously has customer concentration issues is a glaring weakness. Most any other company would have a discount on its valuation as one single customer could cascade a pullback in sales. All would then pullback as well. There is no proof that ai spend will generate returns exceeding cost of capital. To date; it is the opposite. Mag7 growth in cash flow from ops is about their core businesses not cash flow from ai investment"  
[X Link](https://x.com/danielsethlewis/status/1961100079135068518)  2025-08-28T16:14Z [----] followers, [---] engagements


"@shai_wininger @Lemonade_Inc @OpenAI THIS. DOES. NOT. SOLVE. THE. LOSS. RATIO. PROBLEM. $LMND is great on chatbots bad at underwriting and capital"  
[X Link](https://x.com/danielsethlewis/status/1961290299298152905)  2025-08-29T04:50Z [----] followers, [---] engagements


"$LMND for many years has been one of the worst personal lines/underwriters in the United States. The improvement in loss ratio follows broad/industry wide macro following universal changes to rate/form. But for an 'ai' auto they are very very very bad at insurance. The CAR loss ratio is particularly horrific. For a comp in 'telematics' look no further than $ROOT at 60% vs $LMND at 82%. These are truths that $LMND retail refuses to see: Carriers can acquire customers -- it is not hard in -- all you just need to is buy them in digital channels and then underprice the risk. Which is EXACTLY what"  
[X Link](https://x.com/danielsethlewis/status/1961445517885309277)  2025-08-29T15:07Z [----] followers, [---] engagements


"excellent point -- the new customer penalty is a real thing. so it is TBD including retention as churn will be very high. The broad point is they have no track record to date in any product. $LMND is ramping auto at a time when it's very very competitive and digital/CAC is most expensive. Root has pulled back meaningfully in the digital channel reflecting poor economics"  
[X Link](https://x.com/danielsethlewis/status/1961449139255775494)  2025-08-29T15:21Z [----] followers, [---] engagements


"I totally disagree. Insurance is one of the rarest animalsarguably the least correlated asset class to the economy or interest rates (at least in P&C). ILS in particular is the most uncorrelated fixed-income instrument on the planet. The industry contains pockets of genuine value creation driven by efficiency risk selection and capital discipline. It also enables tax-efficient compounding of capital. The rise of MGAs has pulled the start-up world outside of entrenched incumbents unlocking significant opportunities. Meanwhile legacy players (especially mutuals) are ceding market share slowly"  
[X Link](https://x.com/danielsethlewis/status/1962560150323020091)  2025-09-01T16:56Z [----] followers, [--] engagements


"Kawhi was working for Four Seasons Landscaping @TotalSeasons Life is beautiful"  
[X Link](https://x.com/danielsethlewis/status/1963318503965925803)  2025-09-03T19:09Z [----] followers, [---] engagements


"@RightWingCope Wait until You find out They run a surplus"  
[X Link](https://x.com/danielsethlewis/status/1963792497043284442)  2025-09-05T02:33Z [----] followers, [----] engagements


"@Nick_Lamparelli Its a funny comment in that for 10+ years the industry combined in home is [---]. I think what you describe above is VERY hard. That you have wisdom matters not when you look at the data"  
[X Link](https://x.com/danielsethlewis/status/1964492493384536491)  2025-09-07T00:54Z [----] followers, [---] engagements


"@yanisvaroufakis SOURCE"  
[X Link](https://x.com/danielsethlewis/status/1965250878522470800)  2025-09-09T03:08Z [----] followers, [----] engagements


"@MichaelLangeNYC people voting for city mayor for his foreign policy take -- ummm okay"  
[X Link](https://x.com/danielsethlewis/status/1965474619349238051)  2025-09-09T17:57Z [----] followers, [----] engagements


"@jakebrowatzke Lmao do you know what the fuck $BRK does - lmaooooooooo"  
[X Link](https://x.com/danielsethlewis/status/1965626125411086487)  2025-09-10T03:59Z [----] followers, [---] engagements


"@piersmorgan USA attack on Pakistan to find Bin Laden is indefensible What the fuck is wrong with you idiots. Qatar is not a friendly government. And even if they were who cares"  
[X Link](https://x.com/danielsethlewis/status/1965627296783761485)  2025-09-10T04:04Z [----] followers, [----] engagements


"@Airbnb @AirbnbHelp support is atrocious -- basic human error cannot be rectified and instead you get an endless loop of ai agents and runaround. What was once a seamless experience is now a horrible one"  
[X Link](https://x.com/danielsethlewis/status/1965830858834940237)  2025-09-10T17:32Z [----] followers, [--] engagements


"@junkbondinvest so now they slap it on the 401k -- the litigation is gonna be epic"  
[X Link](https://x.com/danielsethlewis/status/1965833725050290301)  2025-09-10T17:44Z [----] followers, [---] engagements


"@joe_warmington @charliekirk11 Just wait until you read this one -- @WesternU -- just desperate for loopholes not to act. https://nationalpost.com/longreads/western-university-pro-palestinian-studentstbref=hp https://nationalpost.com/longreads/western-university-pro-palestinian-studentstbref=hp"  
[X Link](https://x.com/danielsethlewis/status/1966318125999431828)  2025-09-12T01:49Z [----] followers, [---] engagements


"@rennyzucker Just wait until you look at Nvidia buying back stock up here. Its all about stock comp. They strip out the stock comp from earnings but use all the cash flow to pay for it"  
[X Link](https://x.com/danielsethlewis/status/1966508788891910414)  2025-09-12T14:26Z [----] followers, [---] engagements


"$meta is a betting on going from low capital intensive to high capital intensive wrapped in useless Ray Ban glasses as it buys mercenaries as its primary means for P/E multiple expanstion. Wild times. Thats actually a bear market short thesis"  
[X Link](https://x.com/danielsethlewis/status/1968542175274127573)  2025-09-18T05:06Z [----] followers, [---] engagements


"@atRachelGilmore The son of a CP PM donates to at the CP -- this feels like breaking news and evidence of bias"  
[X Link](https://x.com/danielsethlewis/status/1969134524974977029)  2025-09-19T20:20Z [----] followers, [---] engagements


"@glen_mcgregor Not with your lack of capital markets risk taking taxation healthcare housing"  
[X Link](https://x.com/danielsethlewis/status/1969274360042004954)  2025-09-20T05:36Z [----] followers, [----] engagements


"If i could get Carney MAGA Kimmel England AND Free Palestine OFF this site it would be PERFECT. Fintwit and Buffalo Bills only and we are at nirvana"  
[X Link](https://x.com/danielsethlewis/status/1970233011015950383)  2025-09-22T21:05Z [----] followers, [---] engagements


"@Mabiverse123 @TommySoFL @GrindeOptions I dont think i am a boring ETF guy"  
[X Link](https://x.com/danielsethlewis/status/1971789469780189505)  2025-09-27T04:10Z [----] followers, [--] engagements


"@investingluc @ericjackson 🧐you note the sell price. but what valuation do you think they paid"  
[X Link](https://x.com/danielsethlewis/status/1972728454433910859)  2025-09-29T18:21Z [----] followers, [---] engagements


"There are often uneconomic reasons why firms like this sell: structural mandates that allow only sales of public company stock fund liquidations strategy shifts or simple turnover. $ROOT and $HIPO are poster children for this kind of behavior. Find me a VC that buys public stocks and then you truly have your unicorn. Having grown up in distressed debt and equity Ive learned that some of the best ideas come from providing liquidity to sellers whose decisions are driven by structural constraints rather than pure economics. Ive likely bought stock in $BETR from strategics or VCs who are in that"  
[X Link](https://x.com/danielsethlewis/status/1972743662221119618)  2025-09-29T19:21Z [----] followers, [---] engagements


"@Canada allow me to explain the @liberal_party and its economic policies. 🚨BREAKING: The Auditor General confirmed what Conservatives knew from day one🚨 🚨The Liberals promised $10-a-day child care but families who need it most arent getting it. 🚨Waitlists have exploded spaces sit empty and low-income families are being shut out. 🚨This was https://t.co/ZHHMYNbEAo 🚨BREAKING: The Auditor General confirmed what Conservatives knew from day one🚨 🚨The Liberals promised $10-a-day child care but families who need it most arent getting it. 🚨Waitlists have exploded spaces sit empty and"  
[X Link](https://x.com/danielsethlewis/status/1973608774729597297)  2025-10-02T04:39Z [----] followers, [--] engagements


"More thoughtful answer: SWF wealth comes from surplus. Canada (and the USA) do NOT have this. SO its a direct transfer from taxpayers to a new govt entity. A SWF means government allocation of resources and i would argue its the last thing @liberal_party needs. Thus GRIFT. Cut taxes cut regulations introduce points immigration. Focus on supply side of energy homes. PS: i met you years ago at an event and found you engaging open thoughtful. @erinotoole"  
[X Link](https://x.com/danielsethlewis/status/1974291156155420867)  2025-10-04T01:51Z [----] followers, [--] engagements


"@Vivek4real_ @XplningSapiens That also means someone sold $120000000 of Bitcoin Just sayin"  
[X Link](https://x.com/danielsethlewis/status/1974299626665881819)  2025-10-04T02:24Z [----] followers, [---] engagements


"@unusual_whales 👍👍 I like assets that compound. Doing fine"  
[X Link](https://x.com/danielsethlewis/status/1974300199716553159)  2025-10-04T02:27Z [----] followers, [----] engagements


"@HatedMoats $HIMS is one for the biggest stock scams around w this compounded shit"  
[X Link](https://x.com/danielsethlewis/status/1974565283621904533)  2025-10-04T20:00Z [----] followers, [---] engagements


"@patientinvestt $PGR"  
[X Link](https://x.com/danielsethlewis/status/1974575547448750158)  2025-10-04T20:41Z [----] followers, [---] engagements


"today is the worst. I have 4-1 Buffalo Bills panic Twitter. AI/retail trader genius for owning dogshit Twitter. Greta Flotilla twitter"  
[X Link](https://x.com/danielsethlewis/status/1975276893806207417)  2025-10-06T19:08Z [----] followers, [---] engagements


"Dude LOVES taxes. https://www.espn.com/nhl/story/_/id/46510665/connor-mcdavid-signs-2-year-25m-extension-oilers https://www.espn.com/nhl/story/_/id/46510665/connor-mcdavid-signs-2-year-25m-extension-oilers"  
[X Link](https://x.com/danielsethlewis/status/1975319565468143778)  2025-10-06T21:57Z [----] followers, [---] engagements


"I cannot use enough profanity around Zohran Mamdani and my beloved NYC. One can care about others poverty and opportunity with embracing this false prophet. We will see you all on the other side -- when he gets his tenured professor job in Massachusetts or think tank in DC. Fucking carnage"  
[X Link](https://x.com/danielsethlewis/status/1975726177143665118)  2025-10-08T00:53Z [----] followers, [--] engagements


"@CedarStResearch @hedgequote @Nick_Lamparelli I thought what Sola is doing in parametric was pretty darn cool for an MGA startup"  
[X Link](https://x.com/danielsethlewis/status/1976392163144630606)  2025-10-09T20:59Z [----] followers, [--] engagements


"@JonathanCh98131 Every fan of $LMND does not understand digital lead buying and the expense of digital acquisition vs embedded or agents. At a time the most profitable players are pulling back LMND pushes on. Why"  
[X Link](https://x.com/danielsethlewis/status/1976472514961485922)  2025-10-10T02:19Z [----] followers, [---] engagements


"@yarahawari It would have been very simple not to fly over fences to rape murder. Surrender upon defeat and not use civilians as tik tok fodder. Thank you for the simplification"  
[X Link](https://x.com/danielsethlewis/status/1976858175250088240)  2025-10-11T03:51Z [----] followers, [--] engagements


"obviously not enough institutions That is not a quality registrar. MOST institutions do not buy over levered balance sheets. Period. Which is why valuation multiples are almost 1:1 inversely correlated to leverage ratio. Then layer on multi-year distraction from the board fighting. Layer on the financials as part of that. Good fees for lawyers tho"  
[X Link](https://x.com/danielsethlewis/status/1977051964547490273)  2025-10-11T16:41Z [----] followers, [--] engagements


"Keep repeating yourself. small cap value or contra funds own it - - I didnt say 'zero.' NTD: Three firms own 22% who are part of the campaign and are most certainly not traditional institutions. It's a hedge fund stock. I know who Mawer and Fidelity are. I will help you: Research institutional investors ownership vs balance sheet metrics. there is endless research on it -- try @grok or ChatGPT -- you might learn something (or you can post cute emojis) That is why this fight is/was always stupid it was a balance sheet problem limiting financial flexibility talent acquisition at a time of RAPID"  
[X Link](https://x.com/danielsethlewis/status/1977074740985798821)  2025-10-11T18:12Z [----] followers, [--] engagements


"@JulianMI2 Congrats on your up year so now your entire market is now worth 5% of MAG7. Odd victory lap but hey I guess we are all staring up at Belgium now"  
[X Link](https://x.com/danielsethlewis/status/1977239022335672685)  2025-10-12T05:04Z [----] followers, [--] engagements


"@Nugget_Trades @CanadaKaz @a16z @arampell @eriktorenberg lol. no"  
[X Link](https://x.com/danielsethlewis/status/1977254907758706767)  2025-10-12T06:08Z [----] followers, [--] engagements


"#BillsMafia 🤝#RavensFlock"  
[X Link](https://x.com/danielsethlewis/status/1977930653296394275)  2025-10-14T02:53Z [----] followers, [---] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing