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[@andycyau](/creator/twitter/andycyau)
"this is quietly saying "i have money to throw around" for "strategic partners" to come. this is a completely NEW branch to be built. Finx isn't ready for the next wall street darling. $ROOT"  
[X Link](https://x.com/andycyau/status/1978160011042808273) [@andycyau](/creator/x/andycyau) 2025-10-14T18:04Z 1195 followers, 2188 engagements


"$ROOT is seeing extremely bullish option flow in today's move backed with 3700+ contracts or 370000 shares - a large percentage of $ROOT's available float"  
[X Link](https://x.com/andycyau/status/1978178956193824992) [@andycyau](/creator/x/andycyau) 2025-10-14T19:19Z 1195 followers, 1678 engagements


"How much would you pay for a stock that could become bigger than $PGR by the end of the decade The insurance equivalent of $HOOD or $TSLA 10B 20B 30B or 50B $ROOT insurance is changing the industry but trades at a 1.3B mcap. i'll gladly pay 10x+ for $ROOT TODAY"  
[X Link](https://x.com/andycyau/status/1978100847109194146) [@andycyau](/creator/x/andycyau) 2025-10-14T14:09Z 1195 followers, 2001 engagements


"$ROOT is partnering with the largest players in the auto industry including Hyundai & Toyota & many other major players to come. It is also beating legacy insurers in key metrics all around. has the potential to be larger than $PGR in the next decade but trades at less than 1/100x in size"  
[X Link](https://x.com/andycyau/status/1978158001367208406) [@andycyau](/creator/x/andycyau) 2025-10-14T17:56Z 1195 followers, 8329 engagements


"have to look at geico they have inferior loss ratios than root but put forth a XX% expense ratio. you would think with better tech ROOT would do better on both loss ratios & expense ratios. Geico had roughly a XX% combined ratio in 2024. plenty of good reasons why its better to be on the conservative side i get it"  
[X Link](https://x.com/andycyau/status/1978442187487445353) [@andycyau](/creator/x/andycyau) 2025-10-15T12:45Z 1195 followers, XX engagements


"$root would need a XX% CR on average in the past X years for it to even be considered with the same isolated credit issues in Fl for $pgr. short sellers would take it down at any chance they get"  
[X Link](https://x.com/andycyau/status/1978542314323620002) [@andycyau](/creator/x/andycyau) 2025-10-15T19:23Z 1195 followers, 2250 engagements


"@CedarStResearch @punderfultweet i think the market will be surprised how well ROOT does on the IA channel. you did buy $PGR before you bought ROOT"  
[X Link](https://x.com/andycyau/status/1978599051646861371) [@andycyau](/creator/x/andycyau) 2025-10-15T23:09Z 1195 followers, XXX engagements


"@CernunnosCap geico has XX% margins despite inferior loss ratios and outdated tech. also $PGR should have had a XX% CR quarter if it wasn't for the one time 950m credit. i think X% margins is conservative"  
[X Link](https://x.com/andycyau/status/1978620414226989277) [@andycyau](/creator/x/andycyau) 2025-10-16T00:34Z 1195 followers, XXX engagements


"@zarnubeus @pepemoonboy XX% as of the q2 was from DTC. XX% was from partners where root has 20+ major partners and an exponential growth of 7k+ IAs & 1500+ agency partners. I doubt you really understand the growth picture on the partnership side nor do you actually understand $cvna"  
[X Link](https://x.com/andycyau/status/1979049280397586471) [@andycyau](/creator/x/andycyau) 2025-10-17T04:58Z 1195 followers, XXX engagements


"@AXDWealth More like you dont understand $cvna nor do you understand $root s partnership makeup of dozens of major partners & thousands of agencies & IAs. Institutions are buying $Cvna hands over fist while retail like you are shorting it. Let that sink in"  
[X Link](https://x.com/andycyau/status/1979976302691062258) [@andycyau](/creator/x/andycyau) 2025-10-19T18:21Z 1195 followers, XXX engagements


"You have no clue. When $sofi or $ld sells and packages their loans its considered okay but its considered wrong when $Cvna does it Or is it cooking the books when every dealership recognizes revenue upfront per unit sale Or do you not understand that subprime yields of 20-30% are worth more for GPU When was $Cvna ever XX% of $root s books when the partnership channel was only XX% of $root s books a year ago even if $Cvna had a percentage of the books it doesnt even matter when their defaults of overall loans are 5%. Also insurance is paid in ADVANCE not in arrears where insurers can cut"  
[X Link](https://x.com/andycyau/status/1980000814295867880) [@andycyau](/creator/x/andycyau) 2025-10-19T19:59Z 1195 followers, XXX engagements


"$lmnd will do well as well. Though the difference with $root and $lmnd is that $root is focused on auto & that they are building distribution channels. The partnerships that $root are building will allow them to grow exponentially without upfront capex which is something $lmnd lacks"  
[X Link](https://x.com/andycyau/status/1980262113634361445) [@andycyau](/creator/x/andycyau) 2025-10-20T13:17Z 1195 followers, XXX engagements


"for those who are wondering why $PGR's combined ratio jumped over 100%+ in September this is the commentary made around it. $PGR had to record a 950m policyholder credit"  
[X Link](https://x.com/andycyau/status/1978447295608705108) [@andycyau](/creator/x/andycyau) 2025-10-15T13:06Z 1194 followers, 2112 engagements


"Few understand this but $ROOT will be the $TSLA of insurance eclipsing $PGR in a decade. buying $ROOT at these levels today after a XX% haircut is like buying The modern bank $SOFI at $X OR the modern brokerage $HOOD at $X OR $PGR at X cents in 1980 These are the times to be buying hands over fist for generational wealth"  
[X Link](https://x.com/andycyau/status/1979937179540263319) [@andycyau](/creator/x/andycyau) 2025-10-19T15:46Z 1194 followers, 6094 engagements


"@Pharmdca good move $ROOT"  
[X Link](https://x.com/andycyau/status/1981120797109604424) [@andycyau](/creator/x/andycyau) 2025-10-22T22:09Z 1195 followers, XXX engagements