Dark | Light
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

# ![@hollertotide Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1277341271774965760.png) @hollertotide Holler to Tide Investment Guide

Holler to Tide Investment Guide posts on X about $lmnd, insurance, $evvty, evo the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/creator/twitter::1277341271774965760/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1277341271774965760/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX -XX%
- X Months XXXXXXX +5,289%
- X Year XXXXXXX +39,858%

### Mentions: XX [#](/creator/twitter::1277341271774965760/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1277341271774965760/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX -XXXX%
- X Months XXX +988%
- X Year XXX +6,125%

### Followers: XXX [#](/creator/twitter::1277341271774965760/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1277341271774965760/c:line/m:followers.svg)

- X Week XXX +1.60%
- X Month XXX +44%
- X Months XXX +516%
- X Year XXX +271%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1277341271774965760/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1277341271774965760/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1277341271774965760/influence)
---

**Social category influence**
[finance](/list/finance)  XXXX% [stocks](/list/stocks)  XXXXX% [technology brands](/list/technology-brands)  XXXX% [countries](/list/countries)  XXX%

**Social topic influence**
[$lmnd](/topic/$lmnd) 11.11%, [insurance](/topic/insurance) 8.64%, [$evvty](/topic/$evvty) 7.41%, [evo](/topic/evo) 7.41%, [$evo](/topic/$evo) 7.41%, [$nu](/topic/$nu) 6.17%, [$adyen](/topic/$adyen) 6.17%, [longterm](/topic/longterm) 4.94%, [$oscr](/topic/$oscr) 4.94%, [$ftnt](/topic/$ftnt) XXX%

**Top accounts mentioned or mentioned by**
[@longoption](/creator/undefined) [@tacticzh](/creator/undefined) [@patriarcalls](/creator/undefined) [@dividenddudex](/creator/undefined) [@crazycapsfanboi](/creator/undefined) [@policywars](/creator/undefined) [@horrorgorl](/creator/undefined) [@theeuinvestor](/creator/undefined) [@mmoney642](/creator/undefined) [@villagrasa6](/creator/undefined) [@kajiastic](/creator/undefined) [@gowzican1](/creator/undefined) [@yodastockinvest](/creator/undefined) [@spike_1567](/creator/undefined) [@legioii](/creator/undefined) [@spike1567](/creator/undefined) [@syc1003siv](/creator/undefined) [@kairospraxis](/creator/undefined) [@finfluentialx](/creator/undefined) [@pronkdaniel](/creator/undefined)

**Top assets mentioned**
[Lemonade, Inc. (LMND)](/topic/$lmnd) [NuCypher (NU)](/topic/$nu) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [Fortinet Inc (FTNT)](/topic/$ftnt) [Uber Technologies, Inc. (UBER)](/topic/$uber) [MercadoLibre Inc (MELI)](/topic/$meli) [RAI Finance (SOFI)](/topic/$sofi) [Trade Desk, Inc. (TTD)](/topic/$ttd) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Brookfield Corporation (BN)](/topic/$bn) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Microsoft Corp. (MSFT)](/topic/$msft) [Netflix Inc (NFLX)](/topic/$nflx) [Lyft, Inc. Class A Common Stock (LYFT)](/topic/$lyft) [Taiwan Semiconductor (TSM)](/topic/$tsm) [DigitalOcean Holdings, Inc. (DOCN)](/topic/$docn) [Allstate Corp (ALL)](/topic/allstate) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Kinsale Capital Group, Inc. (KNSL)](/topic/$knsl)
### Top Social Posts [#](/creator/twitter::1277341271774965760/posts)
---
Top posts by engagements in the last XX hours

"$FTNT just keeps quietly executing and compounding. No hype no drama; just consistent margin discipline and cash generation. One of my favorite sleep well at night investments"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946405321007620405) 2025-07-19 03:02:45 UTC XXX followers, 1223 engagements


"@CrazyCapsFanboi @PolicyWars @HorrorGorl I absolutely in no way shape or form said I thought he had $400b in liquid assets"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1949576986118045926) 2025-07-27 21:05:49 UTC XXX followers, XX engagements


"@longoption Oh man $nu is the best fintech on the planet imo. Bigger tam less competition more under banked people more potential to expand beyond fintech. David Velez. $Sofi is solid but take a look at $nu"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946951480625201349) 2025-07-20 15:13:00 UTC XXX followers, XXX engagements


"@TacticzH haha I see that now That is good stuff. I own $ADYEN and remember how hard this was for me to wrap my head around. It didn't help that they changed it randomly and couldn't use past information"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1947391171505836080) 2025-07-21 20:20:10 UTC XXX followers, XXX engagements


"Dont sleep on $LMND s global push France & Germany expansion taps underserved markets. Overlooked: Its $10B valuation goal hinges on AI-driven cross-selling (home car pet). XX% revenue growth yoy proves its on track"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1948548882901991669) 2025-07-25 01:00:30 UTC XXX followers, 1523 engagements


"$ADYEN s moat is invisible: API consistency. While Stripe customizes per client Adyen scales like infrastructure - same stack no exceptions. Thats why clients like $NFLX or $MSFT stay loyal. Minimal friction maximum uptime"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940788363218522517) 2025-07-03 15:02:58 UTC XXX followers, XXX engagements


"@longoption Id own $nu over $Sofi all day every day. Also $uber over $lyft I agree with most though"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946930990011613200) 2025-07-20 13:51:34 UTC XXX followers, XXX engagements


"Made a huge mistake today: Iet the 2025 MLR update scare me out of $OSCR an emotional call questioning their underwriting ability. Shouldve taken time to learn its an industry-wide issue. I preach long-term focus but didnt follow it. Transparency matters Im learning. Goal:"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1947754448412934564) 2025-07-22 20:23:42 UTC XXX followers, 1677 engagements


"$LMND s real long-term value may be in synthetic data. Every interaction trains proprietary AI agents. The longer they operate the more uniquely trained their stack becomes creating an unreplicable moat in AI-driven insurance"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1948550359883862253) 2025-07-25 01:06:22 UTC XXX followers, 1543 engagements


"Every new jurisdiction that legalizes online gambling increases $EVO s regulatory leverage. Theyve already cleared the highest compliance bars (UK Sweden etc). New entrants must license from EVO or burn millions catching up. $EVVTY"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1948551715772661843) 2025-07-25 01:11:46 UTC XXX followers, 1733 engagements


"Each $ASML install isnt just revenueits customer captivity. $INTL $TSM $SSNLFtheyre all locked into $ASML s cadence. Its a monopoly enforced not by law but by physics and 17-year R&D head starts. Talk about domination"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940792307646976431) 2025-07-03 15:18:38 UTC XXX followers, XXX engagements


"Updated pinned portfolio for transparency Adds: $OSCR (heavily in the $13s) $GAMB. Sell: $DOCN. YTD return XXXXX% Staying calm & focused long-term. $EVO $EVVTY $MELI $OSCR $UBER $HIMS $BN $AMZN $FTNT $GAMB $ADYEN $NU $TTD $ASML $VHI.TO"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1936109451141923070) 2025-06-20 17:10:38 UTC XXX followers, 5970 engagements


"$LMND isnt just selling renters insurance. Its quietly building a full-stack multi-line insurer with a data edge. Retention climbing loss ratios falling and theyre about to keep XX% of premiums vs XX% last year. Underwriting leverage is coming. I cant hide my excitement"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946965149589426236) 2025-07-20 16:07:19 UTC XXX followers, 2728 engagements


"Heres some back of envelope math: $LMND could add $115m in annual IFP by 2035 if churn drops from XX% to XX% (like Allstate) XX% IFP growth. Thats $500M cumulative upside from retention not in guidance. Also this will cut CAC expenses and increase premium per customer"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1944580690936279080) 2025-07-14 02:12:19 UTC XXX followers, 1563 engagements


"$NU is one of the rare fintechs with distribution before product. They built trust with zero-fee credit cards then cross-sold loans insurance crypto and investments. Most banks start with products. NU started with the customer. Special business here"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940790485930615295) 2025-07-03 15:11:24 UTC XXX followers, 4655 engagements


"Updated pinned portfolio for transparency Uncharacteristically active this month: Adds: $LMND (huge addition) $VITB (big add) $OSCR Sells: $GAMB (consolidation) $HIMS YTD +38.58% $EVO $EVVTY $MELI $LMND $VITB $OSCR $UBER $BN $AMZN $FTNT $ADYEN $NU $TTD $ASML $VHI.TO"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946598672831058036) 2025-07-19 15:51:04 UTC XXX followers, 3916 engagements


"@TacticzH Id own $adyen over $dlo any day of the week. The only thing that would make sense is valuation. Other than that $adyen is a much superior business"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946336138605494391) 2025-07-18 22:27:51 UTC XXX followers, 3018 engagements


"@Kajiastic @MMMTwealth Take a look into their management team. They are strategic and methodical. They only ramp up when they are confident they nailed the underwriting. I believe it is fair to look what they did with Pet Insurance - I believe they will do the same with car its 40x bigger"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1950297068779848177) 2025-07-29 20:47:10 UTC XXX followers, XX engagements


"@Nick_Lamparelli @MisterWelfare The only thing more consistent than $LMND s improving metrics is your inability to see them. Hope youve hedged appropriately"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1948919861481988502) 2025-07-26 01:34:38 UTC XXX followers, XX engagements


"$LMND s AI Jim settles XX% of claims in seconds slashing costs. TTM XX gross margin hit XX% $1B IFP and XX% revenue growth its a disruptor in the multi-TRILLION dollar insurance market. If this continues and they truly nailed risked/pricing the return will be insane"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1947058027682471947) 2025-07-20 22:16:23 UTC XXX followers, 1742 engagements


"@DividendDude_X Not sure where you are getting that they are projecting this conservatively - subsidies They couldn't have accounting for some of the changes I think guidance gets reduced this ER. Hope I'm wrong. I do still think its undervalued though. I doubled down today"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946297237425815617) 2025-07-18 19:53:16 UTC XXX followers, 3767 engagements


"Here is a massive opportunity and bullish avenue for $LMND: Expand into E&S (excess & surplus) lines lightly regulated high margin and pricing power galore. Just look at $KNSL a small cap juggernaut thriving here. Possibilities are limitless for $LMND across lines and geos"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1942601116941766927) 2025-07-08 15:06:12 UTC XXX followers, 2087 engagements


"@PolicyWars @HorrorGorl No this is XXX% inaccurate. Net worth is simply assets - liabilities. I do agree with you that if hes not the owner/CEO probably wouldnt be valued for as much and I am happy he employees thousands of people"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1949581179599876588) 2025-07-27 21:22:29 UTC XXX followers, 1831 engagements


"Insurance is a tough game and a very complex industry with a very long tail business model. If a company truly gets an edge in underwriting risks better than competitors that edge can not be overstated. I believe $LMND has this but remains to be seen. All signs point ☝👆"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1949513042879758362) 2025-07-27 16:51:44 UTC XXX followers, 1362 engagements


"$EVO $EVVTY s turning point is here Georgia woes behind regulated markets expanding Asia cyber fixes in motion. Set for explosive execution and long-term gains"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946407729112760607) 2025-07-19 03:12:19 UTC XXX followers, 2731 engagements


"Since selling my $OSCR shares Im tempted to get back in but on the other hand the more I learn the more I see how difficult the health insurance business is. Should this go to the too hard pile Maybe but Ive accepted I need a lower price to feel comfortable in my conviction"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1949136179753865481) 2025-07-26 15:54:13 UTC XXX followers, 4282 engagements


"$EVO $EVVTY Q2 2025 earnings tomorrow. Analysts expect 526M revenue XXXX EPS. Excited to see the Asia progress with new Philippines studios and if EBITDA margin rebounds closer to annual to guidance"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1945655950498570501) 2025-07-17 01:25:01 UTC XXX followers, 2168 engagements


"Margin compression is hitting Evolution AB due to rising costs and Asia headwinds. Despite this the stock remains attractively valued given its dominant position and strong cash flow generation. $EVO $EVVTY"  
![@hollertotide Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1277341271774965760.png) [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1928484309343650143) 2025-05-30 16:11:03 UTC XXX followers, XXX engagements

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@hollertotide Avatar @hollertotide Holler to Tide Investment Guide

Holler to Tide Investment Guide posts on X about $lmnd, insurance, $evvty, evo the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

Engagements: XXX #

Engagements Line Chart

  • X Week XXXXXX -XX%
  • X Month XXXXXXX -XX%
  • X Months XXXXXXX +5,289%
  • X Year XXXXXXX +39,858%

Mentions: XX #

Mentions Line Chart

  • X Week XX -XX%
  • X Month XXX -XXXX%
  • X Months XXX +988%
  • X Year XXX +6,125%

Followers: XXX #

Followers Line Chart

  • X Week XXX +1.60%
  • X Month XXX +44%
  • X Months XXX +516%
  • X Year XXX +271%

CreatorRank: XXXXXXXXX #

CreatorRank Line Chart

Social Influence #


Social category influence finance XXXX% stocks XXXXX% technology brands XXXX% countries XXX%

Social topic influence $lmnd 11.11%, insurance 8.64%, $evvty 7.41%, evo 7.41%, $evo 7.41%, $nu 6.17%, $adyen 6.17%, longterm 4.94%, $oscr 4.94%, $ftnt XXX%

Top accounts mentioned or mentioned by @longoption @tacticzh @patriarcalls @dividenddudex @crazycapsfanboi @policywars @horrorgorl @theeuinvestor @mmoney642 @villagrasa6 @kajiastic @gowzican1 @yodastockinvest @spike_1567 @legioii @spike1567 @syc1003siv @kairospraxis @finfluentialx @pronkdaniel

Top assets mentioned Lemonade, Inc. (LMND) NuCypher (NU) Oscar Health, Inc. (OSCR) Fortinet Inc (FTNT) Uber Technologies, Inc. (UBER) MercadoLibre Inc (MELI) RAI Finance (SOFI) Trade Desk, Inc. (TTD) Hims & Hers Health, Inc. (HIMS) Brookfield Corporation (BN) Amazon.com, Inc. (AMZN) Microsoft Corp. (MSFT) Netflix Inc (NFLX) Lyft, Inc. Class A Common Stock (LYFT) Taiwan Semiconductor (TSM) DigitalOcean Holdings, Inc. (DOCN) Allstate Corp (ALL) DLocal Limited Class A Common Shares (DLO) Kinsale Capital Group, Inc. (KNSL)

Top Social Posts #


Top posts by engagements in the last XX hours

"$FTNT just keeps quietly executing and compounding. No hype no drama; just consistent margin discipline and cash generation. One of my favorite sleep well at night investments"
@hollertotide Avatar @hollertotide on X 2025-07-19 03:02:45 UTC XXX followers, 1223 engagements

"@CrazyCapsFanboi @PolicyWars @HorrorGorl I absolutely in no way shape or form said I thought he had $400b in liquid assets"
@hollertotide Avatar @hollertotide on X 2025-07-27 21:05:49 UTC XXX followers, XX engagements

"@longoption Oh man $nu is the best fintech on the planet imo. Bigger tam less competition more under banked people more potential to expand beyond fintech. David Velez. $Sofi is solid but take a look at $nu"
@hollertotide Avatar @hollertotide on X 2025-07-20 15:13:00 UTC XXX followers, XXX engagements

"@TacticzH haha I see that now That is good stuff. I own $ADYEN and remember how hard this was for me to wrap my head around. It didn't help that they changed it randomly and couldn't use past information"
@hollertotide Avatar @hollertotide on X 2025-07-21 20:20:10 UTC XXX followers, XXX engagements

"Dont sleep on $LMND s global push France & Germany expansion taps underserved markets. Overlooked: Its $10B valuation goal hinges on AI-driven cross-selling (home car pet). XX% revenue growth yoy proves its on track"
@hollertotide Avatar @hollertotide on X 2025-07-25 01:00:30 UTC XXX followers, 1523 engagements

"$ADYEN s moat is invisible: API consistency. While Stripe customizes per client Adyen scales like infrastructure - same stack no exceptions. Thats why clients like $NFLX or $MSFT stay loyal. Minimal friction maximum uptime"
@hollertotide Avatar @hollertotide on X 2025-07-03 15:02:58 UTC XXX followers, XXX engagements

"@longoption Id own $nu over $Sofi all day every day. Also $uber over $lyft I agree with most though"
@hollertotide Avatar @hollertotide on X 2025-07-20 13:51:34 UTC XXX followers, XXX engagements

"Made a huge mistake today: Iet the 2025 MLR update scare me out of $OSCR an emotional call questioning their underwriting ability. Shouldve taken time to learn its an industry-wide issue. I preach long-term focus but didnt follow it. Transparency matters Im learning. Goal:"
@hollertotide Avatar @hollertotide on X 2025-07-22 20:23:42 UTC XXX followers, 1677 engagements

"$LMND s real long-term value may be in synthetic data. Every interaction trains proprietary AI agents. The longer they operate the more uniquely trained their stack becomes creating an unreplicable moat in AI-driven insurance"
@hollertotide Avatar @hollertotide on X 2025-07-25 01:06:22 UTC XXX followers, 1543 engagements

"Every new jurisdiction that legalizes online gambling increases $EVO s regulatory leverage. Theyve already cleared the highest compliance bars (UK Sweden etc). New entrants must license from EVO or burn millions catching up. $EVVTY"
@hollertotide Avatar @hollertotide on X 2025-07-25 01:11:46 UTC XXX followers, 1733 engagements

"Each $ASML install isnt just revenueits customer captivity. $INTL $TSM $SSNLFtheyre all locked into $ASML s cadence. Its a monopoly enforced not by law but by physics and 17-year R&D head starts. Talk about domination"
@hollertotide Avatar @hollertotide on X 2025-07-03 15:18:38 UTC XXX followers, XXX engagements

"Updated pinned portfolio for transparency Adds: $OSCR (heavily in the $13s) $GAMB. Sell: $DOCN. YTD return XXXXX% Staying calm & focused long-term. $EVO $EVVTY $MELI $OSCR $UBER $HIMS $BN $AMZN $FTNT $GAMB $ADYEN $NU $TTD $ASML $VHI.TO"
@hollertotide Avatar @hollertotide on X 2025-06-20 17:10:38 UTC XXX followers, 5970 engagements

"$LMND isnt just selling renters insurance. Its quietly building a full-stack multi-line insurer with a data edge. Retention climbing loss ratios falling and theyre about to keep XX% of premiums vs XX% last year. Underwriting leverage is coming. I cant hide my excitement"
@hollertotide Avatar @hollertotide on X 2025-07-20 16:07:19 UTC XXX followers, 2728 engagements

"Heres some back of envelope math: $LMND could add $115m in annual IFP by 2035 if churn drops from XX% to XX% (like Allstate) XX% IFP growth. Thats $500M cumulative upside from retention not in guidance. Also this will cut CAC expenses and increase premium per customer"
@hollertotide Avatar @hollertotide on X 2025-07-14 02:12:19 UTC XXX followers, 1563 engagements

"$NU is one of the rare fintechs with distribution before product. They built trust with zero-fee credit cards then cross-sold loans insurance crypto and investments. Most banks start with products. NU started with the customer. Special business here"
@hollertotide Avatar @hollertotide on X 2025-07-03 15:11:24 UTC XXX followers, 4655 engagements

"Updated pinned portfolio for transparency Uncharacteristically active this month: Adds: $LMND (huge addition) $VITB (big add) $OSCR Sells: $GAMB (consolidation) $HIMS YTD +38.58% $EVO $EVVTY $MELI $LMND $VITB $OSCR $UBER $BN $AMZN $FTNT $ADYEN $NU $TTD $ASML $VHI.TO"
@hollertotide Avatar @hollertotide on X 2025-07-19 15:51:04 UTC XXX followers, 3916 engagements

"@TacticzH Id own $adyen over $dlo any day of the week. The only thing that would make sense is valuation. Other than that $adyen is a much superior business"
@hollertotide Avatar @hollertotide on X 2025-07-18 22:27:51 UTC XXX followers, 3018 engagements

"@Kajiastic @MMMTwealth Take a look into their management team. They are strategic and methodical. They only ramp up when they are confident they nailed the underwriting. I believe it is fair to look what they did with Pet Insurance - I believe they will do the same with car its 40x bigger"
@hollertotide Avatar @hollertotide on X 2025-07-29 20:47:10 UTC XXX followers, XX engagements

"@Nick_Lamparelli @MisterWelfare The only thing more consistent than $LMND s improving metrics is your inability to see them. Hope youve hedged appropriately"
@hollertotide Avatar @hollertotide on X 2025-07-26 01:34:38 UTC XXX followers, XX engagements

"$LMND s AI Jim settles XX% of claims in seconds slashing costs. TTM XX gross margin hit XX% $1B IFP and XX% revenue growth its a disruptor in the multi-TRILLION dollar insurance market. If this continues and they truly nailed risked/pricing the return will be insane"
@hollertotide Avatar @hollertotide on X 2025-07-20 22:16:23 UTC XXX followers, 1742 engagements

"@DividendDude_X Not sure where you are getting that they are projecting this conservatively - subsidies They couldn't have accounting for some of the changes I think guidance gets reduced this ER. Hope I'm wrong. I do still think its undervalued though. I doubled down today"
@hollertotide Avatar @hollertotide on X 2025-07-18 19:53:16 UTC XXX followers, 3767 engagements

"Here is a massive opportunity and bullish avenue for $LMND: Expand into E&S (excess & surplus) lines lightly regulated high margin and pricing power galore. Just look at $KNSL a small cap juggernaut thriving here. Possibilities are limitless for $LMND across lines and geos"
@hollertotide Avatar @hollertotide on X 2025-07-08 15:06:12 UTC XXX followers, 2087 engagements

"@PolicyWars @HorrorGorl No this is XXX% inaccurate. Net worth is simply assets - liabilities. I do agree with you that if hes not the owner/CEO probably wouldnt be valued for as much and I am happy he employees thousands of people"
@hollertotide Avatar @hollertotide on X 2025-07-27 21:22:29 UTC XXX followers, 1831 engagements

"Insurance is a tough game and a very complex industry with a very long tail business model. If a company truly gets an edge in underwriting risks better than competitors that edge can not be overstated. I believe $LMND has this but remains to be seen. All signs point ☝👆"
@hollertotide Avatar @hollertotide on X 2025-07-27 16:51:44 UTC XXX followers, 1362 engagements

"$EVO $EVVTY s turning point is here Georgia woes behind regulated markets expanding Asia cyber fixes in motion. Set for explosive execution and long-term gains"
@hollertotide Avatar @hollertotide on X 2025-07-19 03:12:19 UTC XXX followers, 2731 engagements

"Since selling my $OSCR shares Im tempted to get back in but on the other hand the more I learn the more I see how difficult the health insurance business is. Should this go to the too hard pile Maybe but Ive accepted I need a lower price to feel comfortable in my conviction"
@hollertotide Avatar @hollertotide on X 2025-07-26 15:54:13 UTC XXX followers, 4282 engagements

"$EVO $EVVTY Q2 2025 earnings tomorrow. Analysts expect 526M revenue XXXX EPS. Excited to see the Asia progress with new Philippines studios and if EBITDA margin rebounds closer to annual to guidance"
@hollertotide Avatar @hollertotide on X 2025-07-17 01:25:01 UTC XXX followers, 2168 engagements

"Margin compression is hitting Evolution AB due to rising costs and Asia headwinds. Despite this the stock remains attractively valued given its dominant position and strong cash flow generation. $EVO $EVVTY"
@hollertotide Avatar @hollertotide on X 2025-05-30 16:11:03 UTC XXX followers, XXX engagements

@hollertotide
/creator/twitter::hollertotide