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[@CreativeCap89](/creator/twitter/CreativeCap89)
"$PYPL and $ODD have two of the strongest women CFOs Ive ever seen. Jamie Miller (PayPal CFO since 2023 also COO in 2025) - Ex-CFO at EY & Cargill - Key roles in GE's financial turnaround - 30+ yrs in finance & strategy Lindsay Drucker Mann (Oddity Tech CFO since 2021) - Former Managing Director at Goldman Sachs (Consumer/Tech ECM) - Led Odditys 2023 Nasdaq listing - 10+ yrs in finance & consumer tech"  
[X Link](https://x.com/CreativeCap89/status/1976372883778937025) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-09T19:43Z 5143 followers, 4121 engagements


"$ODD ODDITY Tech Ltd Thread (Capitulation or opportunity) -Business model -Competitive Edge -Innovation -Valuation CEO Oran "Our business is growing with high profitability multiple engines and long runways"  
[X Link](https://x.com/CreativeCap89/status/1976994912932425922) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5143 followers, 5536 engagements


"Within the next X months $ZETA will be net income profitable. If you back out their TTM SBC (non cash expense) - they would already be generating positive EPS. One of the cleanest trends from a financial perspective I've seen for a growth company"  
[X Link](https://x.com/CreativeCap89/status/1978839752863359354) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-16T15:05Z 5143 followers, 7109 engagements


"@CedarStResearch @Stickstrom Im sure they are. Would you rather pull apart a car and fix it or build it the way you want from scratch"  
[X Link](https://x.com/CreativeCap89/status/1975960771202052417) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-08T16:25Z 5137 followers, XXX engagements


"$ODD is completely underestimated by the market in my opinion. Oddity is a DTC consumer platform that is building beauty brands Il Makiage & Spoiled child through the use of AI. They use machine learning quizzes to personalize products which bypasses the traditional retail channels for direct sales and higher margins. 🟢Founder Owned (Oran Holtzman) with high inside ownership of 20%+ of shares. 🟢20%+ Annual Revenue Growth 🟢20% EBITDA Margins 🟢P/E XX 🟢Gross Margin XX% 🟢Strong Balance Sheet 🟢20%+ ROIC 🟢Minimal tariff impact to the business 🟢Share buybacks Brand X and X are new brands"  
[X Link](https://x.com/CreativeCap89/status/1959946760857542836) [@CreativeCap89](/creator/x/CreativeCap89) 2025-08-25T11:51Z 5140 followers, 5548 engagements


"@investingbyGenZ Good stuff. I agree with all of your points. If we were closer to brand X and X I think that would warrant a higher premium on the valuation but its still a bit away until we see it in the numbers"  
[X Link](https://x.com/CreativeCap89/status/1961417833507614778) [@CreativeCap89](/creator/x/CreativeCap89) 2025-08-29T13:17Z 5140 followers, XXX engagements


"Here is how I view the bear/base case valuation on $GAMB. 1) Revenue growth slows down from 20%+ due to competition & AI cannibalization of search. 2) FCF Margins decline due to higher operating costs from acquisitions to remain competitive. 3)Shares outstanding remain flat. Net result of buybacks + small amount of capital raises (most likely not needed). 4) Net debt isn't considered here due to complexities and fluctuations. I still arrive at a $XX PT with a pessimistic view on the future of the business. $GAMB doesn't have to execute perfectly here to have significant upside"  
[X Link](https://x.com/CreativeCap89/status/1966948482754728342) [@CreativeCap89](/creator/x/CreativeCap89) 2025-09-13T19:33Z 5140 followers, 6288 engagements


"The bull case for $LMND goes far beyond operating leverage LTV to CAC synthetic agents ROI ect. I havent disclosed much of my experience here but I am a CPA who started out in big X and went into corporate finance. Throughout my experience in Fortune XXX companies the past 5-10 years the main focus has been restructuring the finance component to be more lean and automated (mostly through the use of RPA). How do you do this with outdated systems that dont speak to each other You create a whole restructuring business case that details the ROI payback NPV on the project/technology that will be"  
[X Link](https://x.com/CreativeCap89/status/1974114673998856558) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-03T14:09Z 5138 followers, 13.5K engagements


"$ZETA Q3 run rate for AI studio looks exponential"  
[X Link](https://x.com/CreativeCap89/status/1975936603785691468) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-08T14:49Z 5137 followers, 14.7K engagements


"$PYPL I think the market heard me guys"  
[X Link](https://x.com/CreativeCap89/status/1975994049929588906) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-08T18:37Z 5140 followers, 8534 engagements


"$ROOT is sitting in a descending wedge right now. Max pain IMO is $68-70 unless we get some buyers to step in to break out of it. Looking to continue to DCA into it regardless. The float is small and easily manipulated by shorts"  
[X Link](https://x.com/CreativeCap89/status/1976017899363172506) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-08T20:12Z 5139 followers, 7326 engagements


"$ODD Started a position today. I said $XX but I'll take $XX. There is a possible gap down to $47-48 and would love to buy more. Short interest has been rising substantially the past few days. NFA - just sharing my moves"  
[X Link](https://x.com/CreativeCap89/status/1976329870398587313) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-09T16:52Z 5137 followers, 4882 engagements


"History 2013-2018: Founding and Early Innovation -ODDITY was founded in 2013-2014 by Oran Holtzman and launched its first brand IL MAKIAGE in 2018. -Initially focused on direct-to-consumer (DTC) beauty it pioneered online makeup matching using AI-driven technology. 2022: Expansion and Innovation -Introduced Spoiled Child in 2022 leveraging molecular discovery and a subscription model. -The company grew its tech platform integrating AI computer vision and data science to personalize beauty solutions. 2021Present: Public Market and Growth -Oddity went public on the NYSE in July 2023 under $ODD"  
[X Link](https://x.com/CreativeCap89/status/1976994920477889014) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5140 followers, XXX engagements


"Management Oran Holtzman (CEO Co-Founder Chairman) -Co-founded in 2013 -Leads tech/beauty innovation -Heavily involved in Oddity Labs developments (i.e Brand X and 4). Oran maintains significant share ownership which signals strong alignment with shareholders in my opinion and a personal stake in the company's success. Lindsay Drucker Mann (CFO) -16+ yrs at Goldman Sachs -Led Consumer Tech ECM IPOs like Peloton/Bumble. Lindsay brings robust financial acumen from her background at Goldman Sachs and has a played an important role in scaling Oddity's operations. Insider Ownership: 20+% (but"  
[X Link](https://x.com/CreativeCap89/status/1976994924282208257) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5140 followers, XXX engagements


"What is ODDITY Oddity first caught my eye after investing in $HIMS (which has many similarities). The business comprises two main segments: IL MAKIAGE: A premium makeup brand with AI-powered shade matching and a strong DTC presence. SpoiledChild: A science-backed anti-aging and wellness brand with subscription-based products and personalized recommendations. This dual brand strategy creates a flywheel effect where data from millions of users fuels product innovation driving customer retention and new brand launches. The Oddity Labs department is utilized to create new formulations and"  
[X Link](https://x.com/CreativeCap89/status/1976994932666548297) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5140 followers, XXX engagements


"How does ODDITY make money ODDITY generates revenue through its DTC platform leveraging its two core brands. 1) Product Sales (85%) Revenue from direct sales of IL MAKIAGE and SpoiledChild products driven by e-commerce and subscription models. Average order value (AOV) is $XX with a 30%+ repeat purchase rate. 2) Value-Added Services (15%) -Subscriptions: Recurring revenue from Spoiled Childs monthly delivery model. -Personalization Fees: Premium AI-driven product matching and consultations. -Partnerships: Collaborations with beauty influencers (Jeremy Scott and Alyson Hannigan) and"  
[X Link](https://x.com/CreativeCap89/status/1976994935308956098) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5140 followers, XXX engagements


"Competitive Edge AI-Powered Personalization AI matches products to XX% of users skin tones and needs outperforming manual methods. This drives a XX% higher conversion rate than industry averages. Data-Driven Flywheel With X million+ users data lake fuels product innovation and marketing creating a self-reinforcing growth loop. Direct-to-Consumer Efficiency Bypassing retail middlemen Oddity achieves higher gross margins vs. traditional beauty brands. Think of $ELF that needs to invest heavily in retail channels like Target. ODDITY Labs Innovation/Revela The $XX million lab investment (2024)"  
[X Link](https://x.com/CreativeCap89/status/1976994940015030453) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:54Z 5140 followers, XXX engagements


"Powerful Trusted Brands IL MAKIAGE: #1 DTC makeup brand in the U.S. (eMarketer 2025) with 1.5m followers on Instagram. Spoiled Child: Fastest-growing wellness brand 484k followers on Instagram as of October 2025. Trust: Ranked #5 in beauty brand trust globally (Interbrand 2025). Yet some claim Oddity is fadingthe data says otherwise"  
[X Link](https://x.com/CreativeCap89/status/1976994949716472118) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:55Z 5140 followers, XXX engagements


"Valuation TTM/ Smoothed out metrics 🟢20%+ Annual Revenue Growth (without brand X and 4) 🟢20%+ EBITDA Margins 🟢70-73% Gross Margins (minimal tariff impact) 🟢28 P/E 🟢20% ROIC (investing capital efficiently) 🟢$100m + in buybacks so far 🟢17% FCF margins 🟢$815m in cash/short term inv. with a recent financing of $600m due 2030. Coupon rate is X% which is extremely favorable. With the recent drop in share price I believe $ODD is a conservative fair value of $70-80 today assuming XX% revenue CAGR 17-20% FCF margins and a XX% WACC. Q2 2025 Highlights Can be seen below"  
[X Link](https://x.com/CreativeCap89/status/1976994959917044160) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:55Z 5138 followers, XXX engagements


"$ODD Looks like the $XX gap has been filled. Could see a retest but as long as the markets cooperate it should move higher"  
[X Link](https://x.com/CreativeCap89/status/1978147048453980399) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-14T17:13Z 5137 followers, 1563 engagements


"@PlatinumCircle_ X is the best and worst place at the same time. A lot of alpha here but also a lot of idiots. If you like $HIMS $ODD is worth checking out and there is very little attention to it now"  
[X Link](https://x.com/CreativeCap89/status/1978798100622852170) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-16T12:20Z 5137 followers, XXX engagements


"@KabraxFX The reason being NJ has absolute shit drivers. The amount of accidents on the parkway is insane"  
[X Link](https://x.com/CreativeCap89/status/1979183721312829581) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T13:52Z 5137 followers, XXX engagements


"Why would you choose $LMND insurance over legacy (I.e $PGR). I dont have the ability to be have auto insurance for $LMND yet because its not available in my state. I have had progressive the past X years for my Tesla and my insurance premiums have only gone up. At the same time 1) Ive never been in an accident 2) Ive never had a speeding ticket 3) Ive never even been pulled over 4) I only travel to work 1-2 days a week Ive tried to contact customer service multiple times and its taken forever to even talk to someone. When I do talk to someone they wont budge on moving down my annual premiums."  
[X Link](https://x.com/CreativeCap89/status/1979140914066133238) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T11:02Z 5143 followers, 3940 engagements


"I just started looking into the consolidated successor F/S. That $1b debt restructuring improves their BS substantially but its still not great (and I think it resulted in X% dilution if I read that correctly). I think the debt maturity is more favorable which is good (better rate/duration). Any clue what spiked their intangibles I would assume it had to do with the bankruptcy/business reval but looks like it could result in an impairment in the future"  
[X Link](https://x.com/CreativeCap89/status/1979596744532107429) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-18T17:13Z 5143 followers, XX engagements


"Started a decent sized position in $GAMB today. I'm not a big fan of the casino space but I am a big fan of value. -Founder owned with inside ownership of XX% of shares -TTM Rev Growth XX% -XX% Gross Margin -X Price to Free Cash Flow -XX P/E with a X FWD P/E -XXX P/S -XX% FCF Margin -XX% ROIC Two things I don't like: -Current Ratio of XXX (balance sheet) -Intangibles of $186m that risk impairment/write-down I believe both of these are manageable. Not sure if this will be a LT investment or swing trade but it is too cheap to ignore"  
[X Link](https://x.com/CreativeCap89/status/1965501575889387928) [@CreativeCap89](/creator/x/CreativeCap89) 2025-09-09T19:44Z 5138 followers, 3047 engagements


"The bear thesis assumes $GAMB remains overly exposed to SEO. In other words Online gamblers will utilize AI to bypass marketing platforms like $GAMB. Is there truth to this Sure but AI is also providing benefits such as optimizing recommendations to users on their platform. Plus. The current financials show rapid diversification with the acquisition of Odds Holdings. The January X 2025 acquisition of Odds Holdings for $80M upfront (plus earn-outs) integrates OddsJam (consumer betting tools) and OpticOdds (enterprise SaaS for real-time odds data). This shifts $GAMB from a pure affiliate play"  
[X Link](https://x.com/CreativeCap89/status/1966578639798948089) [@CreativeCap89](/creator/x/CreativeCap89) 2025-09-12T19:04Z 5138 followers, 7499 engagements


"This $PYPL downgrade by Wolfe research was only a couple weeks ago (if that). They will probably have to adjust this sooner than theyd like. The funny thing is that the valuation is so depressed that even if TTM revenue growth stays under XX% (say 5-8%) - the fair value is still a double from these prices given the bottoming of take rates operating margins ticking up ads business starting brain tree reverting back to growth buybacks FCF stabilizing and SMB efficiencies starting to show. Im not even including some of their other sectors like stable coins because Im not sold on the ROI of those"  
[X Link](https://x.com/CreativeCap89/status/1976252385904267361) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-09T11:44Z 5139 followers, 2970 engagements


"It hasn't been easy. Challenges in 2023: 🔴Margin compression 🔴Supply chain delays 🔴Low subscriber growth 🔴Poor Customer Reviews Progress in 2025: 🟢 Margins relatively stable with tariff uncertainty 🟢2m+ subscribers as of September 2025 🟢ODDITY Labs/Revela launched for innovation 🟢Revenue growth accelerating"  
[X Link](https://x.com/CreativeCap89/status/1976994952291741961) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:55Z 5139 followers, XXX engagements


"Conclusion/My Thoughts I was originally invested in $ODD at $XX but ended up selling at $XX for a better opportunity at the time. With the recent drop (for no apparent reason) I believe $ODD offers a lot of value in an overextended market. They have a sticky DTC business that has proven cash flows and resilience in an uncertain tariff environment. Even in the event of a recession they have a strong balance sheet and the beauty sector has remained strong in weaker economic times (even the more expensive brands). The top risks (in my opinion) are delays in their new brands and customer reviews"  
[X Link](https://x.com/CreativeCap89/status/1976994962538389711) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-11T12:55Z 5139 followers, XXX engagements


"This is the strength of a strong DTC model. $ODD retains significantly more net margin than $ELF due to the removal of the middle man. Retailers like Target require significant upfront investment in trade spend (i.e slotting/promotional activities)"  
[X Link](https://x.com/CreativeCap89/status/1977356233154707852) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-12T12:50Z 5139 followers, 2052 engagements


"$ENVX Breaking out on the monthly. Does TJ want to rescue my 2027 leaps"  
[X Link](https://x.com/CreativeCap89/status/1977855993791885593) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-13T21:56Z 5139 followers, 3258 engagements


"Its more complicated than most people realize but healthcare is its own beast. The reason why I prefer LMND over root is just because of the customer acquisition strategy. I like DTC rather than embedded insurance that is reliant on partner channels. You also have to consider CAT with auto"  
[X Link](https://x.com/CreativeCap89/status/1978874604123734219) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-16T17:24Z 5138 followers, XX engagements


"Dont mean to speculate but if $zeta announces an Open AI partnership tomorrow before the bell - you wont be seeing these prices much longer. The company doesnt need it though - already firing on all cylinders. Happy with whatever outcome tomorrow"  
[X Link](https://x.com/CreativeCap89/status/1975682332762722437) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-07T21:59Z 5141 followers, 5736 engagements


"As a $ROOT shareholder I acknowledge the Carvana partnerships critical role in embedded insurance growth. For those who dont know embedded insurance integrates coverage into a customers purchase typical at the point of sale for a related product (i.e auto insurance during a car purchase). For Root this is exemplified by Carvana Insurance Built with Root offered during Carvanas online checkout across 30+ states. My main concern with their customer acquisition is that macroeconomic headwinds could suppress used car sales reducing premiums and revenue potential. Root is diversifying into new"  
[X Link](https://x.com/CreativeCap89/status/1978424404011860380) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-15T11:35Z 5140 followers, 1252 engagements


"$ENVX 3m+ shares traded already"  
[X Link](https://x.com/CreativeCap89/status/1978463275596566970) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-15T14:09Z 5139 followers, 1701 engagements


"Here is my concern (a little bit) with $ROOT. This isnt meant to be bearish I am a shareholder. Its not publicly available information but I would estimate $ROOT s partnership with Carvana is around 20-30% of its sales maybe a bit higher. I know theyre diversifying into other channels + expanding into more states but a weakness in Carvanas business will impact $ROOT s top-line. What are your thoughts @KabraxFX @andycyau and @bjmtweets Happy to be wrong here. At the very least its something that needs to be monitored with Carvana"  
[X Link](https://x.com/CreativeCap89/status/1979213915734024534) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T15:52Z 5141 followers, 6782 engagements


"All valid points. I dont think the partnership was ever bad - but I think $CVNA could see some weakness in their business (given macro) even if the short thesis isnt right about ABS. I like that management has started to diversify away from $CVNA and I hope they continue to break into independent channels. Overall - my view is that its not a dealbreaker for $ROOT in the long term as they are still expanding just might be some choppiness in sales. $CVNA reports right before $ROOT so definitely will be interesting to watch"  
[X Link](https://x.com/CreativeCap89/status/1979219700619047350) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T16:15Z 5140 followers, XXX engagements


"@CedarStResearch Whats your opinion on this I thought I was the only one"  
[X Link](https://x.com/CreativeCap89/status/1979260727253684720) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T18:58Z 5140 followers, XXX engagements


"@CedarStResearch I expect a slowdown in the $CVNA channel. What Im not sure of is the exposure to $ROOT s topline. I still think its somewhere around XX% but I know some others disagree. Its impossible to know for sure"  
[X Link](https://x.com/CreativeCap89/status/1979263384458613104) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T19:08Z 5141 followers, XXX engagements


"I will be adding to my core positions if the market keeps dropping: - $LMND (largest position) and $ROOT: AI Insurance disputation and improving underwriting through telematics. - $PYPL: Just a payment processorthat will be generating $6-7b in FCF this year and diversifying into many other sectors (ads stable coins SMB products). - $ZETA: Disrupting the marketing sector through AI. Expected to be profitable within the next X months. - $ODD: DTC personalized beauty/wellness business with high margins and sticky brands. I also have smaller positions in $LFMD $CRMD and $GAMB. My main focus right"  
[X Link](https://x.com/CreativeCap89/status/1978048761852039318) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-14T10:42Z 5142 followers, 3177 engagements


"Depends who you ask lol - the simple answer is their ability to track customer driving behavior through technology. This enables them to reduce their loss ratios through less accidents hypothetically and therefore create cheaper pricing for their customers. $PGR has been doing this (somewhat) - but the assumption is that $ROOT is doing it much more efficiently"  
[X Link](https://x.com/CreativeCap89/status/1978872368501055841) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-16T17:15Z 5143 followers, XX engagements


"@CedarStResearch @coverager Ill have to look into it more bc right now Tesla premiums are insane. Im open to anything but progressive"  
[X Link](https://x.com/CreativeCap89/status/1979155758416605527) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T12:01Z 5143 followers, XX engagements


"@KabraxFX I was actually going to mention $ROOT in this post because it definitely applies to them as well. I would have insurance through them but they're not in my state and for good reason (NJ)"  
[X Link](https://x.com/CreativeCap89/status/1979182467635466474) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-17T13:47Z 5143 followers, XXX engagements


"@Ironic_Ape Ill look into them and let you know my thoughts. When I looked at them a while ago their debt structure scared me but I know they did a huge restructuring. Turnarounds are tricky because you really have to put a lot of trust in management"  
[X Link](https://x.com/CreativeCap89/status/1979574381232668699) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-18T15:44Z 5143 followers, XX engagements


"@Ironic_Ape Its likely just a reval of their legacy business. Ive seen this so many times where they juice up the FV of the assets from a restructuring and then have to write them down. Its not a huge deal but could impact earnings. Ill let you know if I find out specifically"  
[X Link](https://x.com/CreativeCap89/status/1979600705632772214) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-18T17:29Z 5142 followers, XX engagements


"$PYPL 2024 to mid 2025 was a restructuring year for working capital. From my calculations - late Q3 2025 will be the inflection point for FCF. This will catch a lot of the market off guard along with the return of growth for Braintree in Q4"  
[X Link](https://x.com/CreativeCap89/status/1979631253084311768) [@CreativeCap89](/creator/x/CreativeCap89) 2025-10-18T19:30Z 5143 followers, 2940 engagements