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[@Nick_Lamparelli](/creator/twitter/Nick_Lamparelli)
"The company isnt he richest valued insurance company in the world. Still not enough"  
[X Link](https://x.com/Nick_Lamparelli/status/1979148869217980829) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T11:33Z 2720 followers, XXX engagements


"Also one of the things that came out of ITC. Was not unanimous but belief is that Tesla tech around autonomous driving is far weaker than Waymo and that their tech"  
[X Link](https://x.com/Nick_Lamparelli/status/1979516211789729950) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T11:53Z 2720 followers, XXX engagements


"Success in insurance is about an edge in distribution and capital. It doesnt matter if an entire organization is built from the ground up in AI there is a XXX year old mutual in New England with capital surplus of $X billion and distribution that would be the envy of nearly any company. Being built From the grownup by AI is great. But there is so much that AI wont help you with. The legacy players will still be competitive without AI"  
[X Link](https://x.com/Nick_Lamparelli/status/1976058525353705580) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-08T22:54Z 2718 followers, 1080 engagements


"@CedarStResearch lol. this will be a huge success for the bankers. Investors in this ETF will be riding quite a roller coaster. These leveraged ETFs are horrible long term vehicles.the fees are outrageous"  
[X Link](https://x.com/Nick_Lamparelli/status/1978851038498115726) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-16T15:50Z 2718 followers, XXX engagements


"@ryring OMG. lol 😂"  
[X Link](https://x.com/Nick_Lamparelli/status/1978999703493546408) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T01:41Z 2718 followers, XX engagements


"@ryring Or olive garden"  
[X Link](https://x.com/Nick_Lamparelli/status/1978999756916441100) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T01:41Z 2719 followers, XX engagements


"@AndersReiche So I gave a symbol and you didnt bother to look it up Im getting that yield today AND the stock is up 7.5x since I bought it XXX years ago. Now do LMND"  
[X Link](https://x.com/Nick_Lamparelli/status/1979149578269041101) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T11:36Z 2719 followers, XX engagements


"@yairmar74 @MatchasmMatt @farzyness No Its the opposite. Theyd have to alter the entire business model. They dont have nearly enough surplus to pull this off. This is a ridiculous hypothetical"  
[X Link](https://x.com/Nick_Lamparelli/status/1979359414055563459) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T01:30Z 2719 followers, X engagements


"A major peice of public information.and public investors are completely ignoring it.breaking all aspects of efficient market theory"  
[X Link](https://x.com/Nick_Lamparelli/status/1979229674593976588) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T16:55Z 2719 followers, XXX engagements


"@LeopoldVI @JonathanCh98131 there is already too much competition around the topic. Not only is there no path to 10x better.I dont see a path to 2x better"  
[X Link](https://x.com/Nick_Lamparelli/status/1979565883765998026) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T15:10Z 2720 followers, XX engagements


"When I read this.I think immediately $PRG $RNR Bermudian reinsurers $MKL Its why I think $ROOT is better than $LMND in auto Its why LMND has no data advantage than State Farm or $TRUP"  
[X Link](https://x.com/Nick_Lamparelli/status/1961782687078723843) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-08-30T13:26Z 2717 followers, 3996 engagements


"No one gets excited by insurance except the geeks and nerds. Consumers are apathetic. Thats why they are so susceptible to tv ads claiming lower prices. Distribution edges is king"  
[X Link](https://x.com/Nick_Lamparelli/status/1979077877498024152) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T06:51Z 2719 followers, XXX engagements


"Breaking news LMND to shift entire business model to go after product liability exposure"  
[X Link](https://x.com/Nick_Lamparelli/status/1979078847719944511) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T06:55Z 2719 followers, XXX engagements


"Growth is not possible without capital to back up the plate risk claims. Youre modeling the wrong stuff. Top line is irrelevant if you cant move that top line to bottom line and then into surplus (reserves) that allow the top line to keep growing. The top line is growing at a pace the surplus wont be able to support. That is why LMND should not have a richer valuation than PGR. PGR has the confidence of investors to grow top line bottom line AND surplus. LMND has shown no acumen to grow bottom line AND surplus. The book value per share decrease every quarter is a red flag"  
[X Link](https://x.com/Nick_Lamparelli/status/1979289924886237488) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T20:54Z 2718 followers, XX engagements


"Dipping my tow in the water with $ARX. Love the strategic model. Talent is off the charts. Will average over time as I get a sense of valuation. Feels undervalued but still not sure"  
[X Link](https://x.com/Nick_Lamparelli/status/1979299279874171045) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T21:31Z 2719 followers, XXX engagements


"This is commercial auto insurance. A visionary investor would forecast out what LMND does today and why that would be woefully inadequate when insuring a commercial fleet. Take personal lines and make it 5x messier"  
[X Link](https://x.com/Nick_Lamparelli/status/1979333010651779423) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T23:45Z 2717 followers, XXX engagements


"Im going to pay more. Why Is it because they have balance sheet that I can count on in the worst of times Nope. This is cult like behavior. The dude on the other side is wicked rational. But look at the sales pitch to convince to pay more foractually less protection"  
[X Link](https://x.com/Nick_Lamparelli/status/1979360706706444507) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T01:35Z 2719 followers, XXX engagements


"@CedarStResearch I know. Its not even auto. Its the computer glitched a second and this beautiful family of X in a caravan died. Clip the commercial auto insurance and clip the product liability coverage"  
[X Link](https://x.com/Nick_Lamparelli/status/1979374748824957047) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T02:31Z 2719 followers, XXX engagements


"@mindthelongterm @KabraxFX @ryring No doubt. We would want to do the insurance. But you know they have an outside team manage it and make it suck. Wed expand the margin but also solidify the risk management strategy and bring more Enterprise value overall"  
[X Link](https://x.com/Nick_Lamparelli/status/1979375084369223858) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T02:32Z 2719 followers, XX engagements


"@CedarStResearch Not a simplistic coverage arrangement. Im betting Tesla is with the top X brokers can you imagine them recommending LMND lol. Theyd get fired on the spot"  
[X Link](https://x.com/Nick_Lamparelli/status/1979376329641595332) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T02:37Z 2719 followers, XXX engagements


"@CedarStResearch Complete. Commercial insurance isnt anywhere close to personal lines even they both use the words insurance. Ive brokered both. Commercial is like Chinese weeks Korean"  
[X Link](https://x.com/Nick_Lamparelli/status/1979380922085462377) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T02:56Z 2718 followers, XXX engagements


"I bash LMND investors on this but what is is. That transition would be massively difficult. Personal auto and fleet auto only have the word auto thats similar. Everything from the distribution relationships the underwriting and the claims and litigation management are substantially different. State Farm couldnt do it. GEICO couldnt. Liberty could as they do both now. Same with nationwide Chubb. I wont say with absolutely certainty that LMND or ROOT couldnt but odds are less than 1%. Its commercial insurance. The buyer is a risk manager with a CEO and board to report too. No one is going to"  
[X Link](https://x.com/Nick_Lamparelli/status/1979533779342340207) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T13:03Z 2718 followers, XX engagements


"Guidewire is executng on a strategy. They now are the "no one got fired for buying IBM" status. Duck Creek's strategy frayed while Guidewire has really hit on so many things. GW is run by former Salesforce execs and they have nailed it. Also - I have never heard anyone gush over GW"  
[X Link](https://x.com/Nick_Lamparelli/status/1979222253754630335) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-17T16:25Z 2720 followers, XXX engagements


"This is a smart guy. But out of his league. This is a ridiculous extension. Just because its insurance doesnt make it transferable . The board would eventually get sued for allowing an undercapitlaized and inexperienced company back their COMMERCIAL AUTO FLEET"  
[X Link](https://x.com/Nick_Lamparelli/status/1979367550753608117) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T02:02Z 2719 followers, XXX engagements


"Thank you Grok. Top line growing at 30%. Regulatory surplus growing at 10%. No issue here huh"  
[X Link](https://x.com/Nick_Lamparelli/status/1979515789293088890) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T11:51Z 2719 followers, XXX engagements


"Two retail shareholder cults beginning to rotate around another like two black holes. Once they slam into one another it will ripple kool aid through the fabric of the universe"  
[X Link](https://x.com/Nick_Lamparelli/status/1979521238344028520) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T12:13Z 2719 followers, XXX engagements


"@LeopoldVI @JonathanCh98131 and umbrella. And maybe even boat etc"  
[X Link](https://x.com/Nick_Lamparelli/status/1979564653299859769) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T15:06Z 2719 followers, XX engagements


"@WilfridMci5048 @RealJimChanos Umm the most important metric book value per share has gone down every quarter since IPO"  
[X Link](https://x.com/Nick_Lamparelli/status/1979685740067111271) [@Nick_Lamparelli](/creator/x/Nick_Lamparelli) 2025-10-18T23:07Z 2719 followers, XX engagements