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# ![@bjmtweets Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::491779424.png) @bjmtweets Brian McCormick

Brian McCormick is not mentioned in the provided tweets. However, the tweets appear to be discussing various stocks, including $ROOT, $LMND, and $UPST, with users sharing their opinions and analysis on the companies' performance and potential. The most discussed stock seems to be $ROOT, with users commenting on its growth prospects, partnerships, and short float.

### Engagements: XXXXX [#](/creator/twitter::491779424/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:interactions.svg)

- X Week XXXXXX +42%
- X Month XXXXXXX +23%
- X Months XXXXXXXXX +60%
- X Year XXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::491779424/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:posts_active.svg)

- X Week XXX -XX%
- X Month XXX +170%
- X Months XXXXX +108%
- X Year XXXXX +304%

### Followers: XXXXX [#](/creator/twitter::491779424/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:followers.svg)

- X Week XXXXX +0.53%
- X Month XXXXX +3.50%
- X Months XXXXX +87%
- X Year XXXXX +232%

### CreatorRank: XXXXXXX [#](/creator/twitter::491779424/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[cryptocurrencies](/list/cryptocurrencies)  #4737 [stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXXX% [technology brands](/list/technology-brands)  XXXX% [automotive brands](/list/automotive-brands)  XXXX% [products](/list/products)  XXXX%

**Social topic influence**
[$root](/topic/$root) #2, [$lmnd](/topic/$lmnd) #67, [insurance](/topic/insurance) #1173, [$path](/topic/$path) #117, [$klar](/topic/$klar) 5.34%, [$pgr](/topic/$pgr) #4, [ai](/topic/ai) 4.58%, [business](/topic/business) 4.58%, [credit cards](/topic/credit-cards) 3.82%, [solve](/topic/solve) XXXX%

**Top accounts mentioned or mentioned by**
[@leinad7331](/creator/undefined) [@neilx10](/creator/undefined) [@andersreiche](/creator/undefined) [@jaybananabread](/creator/undefined) [@neil_x10](/creator/undefined) [@tfanalytics1](/creator/undefined) [@qualityinvest5](/creator/undefined) [@shadyjosh5](/creator/undefined) [@paperbaginvest](/creator/undefined) [@nikoliasgoninus](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@yardenzo60](/creator/undefined) [@henryinvests](/creator/undefined) [@ecommerceshares](/creator/undefined) [@anthonyisonline](/creator/undefined) [@vanderlane](/creator/undefined) [@vander_lane](/creator/undefined) [@energy_tech_inv](/creator/undefined) [@jsiegel88](/creator/undefined) [@ryanthawks](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [Lemonade, Inc. (LMND)](/topic/$lmnd) [UiPath, Inc. (PATH)](/topic/$path) [Klarna Group (KLAR)](/topic/$klar) [Progressive Corp (PGR)](/topic/$pgr) [Return to Beginnings (ROOTS)](/topic/$roots) [CoreWeave, Inc. (CRWV)](/topic/$crwv) [IREN Limited (IREN)](/topic/$iren) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Adobe, Inc. (ADBE)](/topic/$adbe) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Alien Base (ALB)](/topic/$alb) [MercadoLibre Inc (MELI)](/topic/$meli) [Shopify Inc (SHOP)](/topic/$shop) [Oracle Corporation (ORCL)](/topic/$orcl) [AMP Token (AMP)](/topic/$amp) [Advanced Micro Devices (AMD)](/topic/$amd) [Carvana Co. (CVNA)](/topic/$cvna) [Alphabet Inc Class A (GOOGL)](/topic/$googl)
### Top Social Posts
Top posts by engagements in the last XX hours

"$KLAR BNPL is outperforming credit cards by a wide margin in terms of credit losses Klarna loans are shorter duration rather than open-ended and approved by item"  
[X Link](https://x.com/bjmtweets/status/1995556950537572363)  2025-12-01T18:13Z 4763 followers, 1288 engagements


"By nature $KLAR BNPL will have better losses than the credit card industry. Here's two big reasons why: Loans are approved by item Credit cards are a blank check. Klarna can make item by item decisions. Credit cards do not. Being late to pay on a single item can turn off BNPL for all other purchases. Credit cards just stack debt to the limit. Defined payback periods Klarna sets clear expectations. Pay in XX days or pay in X. Credit cards are ambiguous open-ended. When you set expectations up-front people are more likely to follow them"  
[X Link](https://x.com/bjmtweets/status/1995560883133841600)  2025-12-01T18:29Z 4763 followers, 2993 engagements


"@JSiegel88 @ecommerceshares Klarna has better credit losses because it makes decisions on a per item basis. As soon as you are late on paying back X item they can decline any new purchases. Credit card is revolving credit and you can keep racking up debt to the limit"  
[X Link](https://x.com/bjmtweets/status/1995634156051857455)  2025-12-01T23:20Z 4763 followers, XXX engagements


"@JSiegel88 @ecommerceshares FYI - People use Klarna because its convenient easier to understand and use (clear pay in X or XX day option) and a large chunk of people just don't like Credit Cards/revolving credit or the ambiguity of it. As shown $KLAR BNPL credit losses are superior to credit cards"  
[X Link](https://x.com/bjmtweets/status/1995636329619816529)  2025-12-01T23:29Z 4763 followers, XXX engagements


"@BarnieTaintpipe @ecommerceshares So "it's unfair to compare $KLAR BNPL loans to credit card loans because they have better charge off rates". In other words the lending profile is better which is my case and point"  
[X Link](https://x.com/bjmtweets/status/1995695188011090160)  2025-12-02T03:23Z 4764 followers, XXX engagements


"@Leinad7331 @PaperBagInvest Longterm capital gains tax rate appears to be a major (hidden) force in those of us moving around funds vs not"  
[X Link](https://x.com/bjmtweets/status/1995874284980633834)  2025-12-02T15:14Z 4764 followers, XXX engagements


"@adamscochran BNPL is higher quality lending than credit cards by a wide margin. Below is $KLAR credit losses vs the credit card industry"  
[X Link](https://x.com/bjmtweets/status/1996065130778690006)  2025-12-03T03:53Z 4763 followers, XXX engagements


"@AndrewM61370616 100%. People just post their assumptions. If they bothered to look at their loss rate they would see its much better than credit cards. Which is as it should be given credit is approved by item and is shorter duration. $KLAR vs Credit Card industry below"  
[X Link](https://x.com/bjmtweets/status/1996067820409593963)  2025-12-03T04:03Z 4763 followers, XXX engagements


"To validate $PATH bull thesis I want to see: 👉 Increase in new enterprise customer growth. This will show Maestro is opening up their TAM. Small incremental gains are nice But. SBC was XX% of revenue. That's high dilution for XX% growth"  
[X Link](https://x.com/bjmtweets/status/1996679296287641985)  2025-12-04T20:33Z 4764 followers, 4442 engagements


"@ericjackson Have you put $CVNA's partner $ROOT on your watchlist My highest conviction stock"  
[X Link](https://x.com/bjmtweets/status/1997432713234768301)  2025-12-06T22:27Z 4764 followers, XXX engagements


"@Leinad7331 $LMND is solving for LAE to solve scale by saving here to grow Renters/Pet to cross sale $ROOT is solving for POS/IA to solve scale. Its more direct and also quicker and focused"  
[X Link](https://x.com/bjmtweets/status/1998052948950368611)  2025-12-08T15:31Z 4764 followers, XXX engagements


"@Neil_X10 @Leinad7331 Most of the terminal value of both companies is assigned from potential Car growth. If you asked me to design the best car insurer for the next decade LAE would sit below other factors"  
[X Link](https://x.com/bjmtweets/status/1998083338788323371)  2025-12-08T17:32Z 4763 followers, XXX engagements


"@Neil_X10 @Leinad7331 Lemonade appears to have offput many IAs as well by showing off their agentless model. Root on the other hand is run by an actuary by training is HQ in Columbus and comes off as the down to earth partner you can trust. People here to help"  
[X Link](https://x.com/bjmtweets/status/1998174187241013466)  2025-12-08T23:33Z 4764 followers, XXX engagements


"@Neil_X10 @Leinad7331 These are cultural and organizational differences where Root is better aligned for partner channel distribution. $LMND is better aligned for direct to consumer"  
[X Link](https://x.com/bjmtweets/status/1998174496038265207)  2025-12-08T23:34Z 4764 followers, XXX engagements


"@jaybananabread @Neil_X10 @Leinad7331 You changed intent there to say "prioritize first" vs which is "best to scale massively" Here you go"  
[X Link](https://x.com/bjmtweets/status/1998198647104958495)  2025-12-09T01:10Z 4765 followers, XXX engagements


"@jaybananabread @Neil_X10 @Leinad7331 The primary issue with Direct is as you scale your efficiency declines. $LMND already experiences this. They can't double their ad spend without decreasing ad efficiency"  
[X Link](https://x.com/bjmtweets/status/1998201228006982051)  2025-12-09T01:21Z 4764 followers, XXX engagements


"As a consumer who would you prefer to own Warner Bros"  
[X Link](https://x.com/bjmtweets/status/1998216329246233051)  2025-12-09T02:21Z 4765 followers, XXX engagements


"@Neil_X10 @Leinad7331 100%. $LMND has big tail-end potential. They are an AI company that sells insurance"  
[X Link](https://x.com/bjmtweets/status/1998221539251208614)  2025-12-09T02:41Z 4764 followers, XXX engagements


"@Leinad7331 @Neil_X10 To scale the quickest in insurance you need to scale profits. More profits today mean you can afford to scale more next year. This is because of RBC. The profits drive growth"  
[X Link](https://x.com/bjmtweets/status/1998412234104737868)  2025-12-09T15:19Z 4764 followers, XX engagements


"@Leinad7331 @Neil_X10 $LMND is fundamentally more aligned to solve automation as the main focus which at this time mostly affects LAE. For Car which is where guided scale is coming from LAE is a much smaller driver of present profits. As a few % LAE doesn't shift the needle"  
[X Link](https://x.com/bjmtweets/status/1998415638503842166)  2025-12-09T15:33Z 4765 followers, XX engagements


"@Leinad7331 @Neil_X10 Because of them trying to solve so many policy types $LMND is benefited by solving for autonomy. And LAE because of nature of Pet/Renters"  
[X Link](https://x.com/bjmtweets/status/1998417084225855521)  2025-12-09T15:38Z 4765 followers, XX engagements


"@yardenzo60 @FelixKern2 @Leinad7331 @HenryInvests $ROOT still gets the sale. They have around XX% attach rate with Carvana car sales for instance"  
[X Link](https://x.com/bjmtweets/status/1998431129540719097)  2025-12-09T16:34Z 4765 followers, XXX engagements


"@yardenzo60 @FelixKern2 @Leinad7331 @HenryInvests That means if Carvana customers are XX% State Farm XX% PGR etc. $ROOT is all the way up to XX% market share with POS from this outlet at the end of the day. If it was their regular avg vs entire market it's under 1%"  
[X Link](https://x.com/bjmtweets/status/1998431424198938646)  2025-12-09T16:35Z 4765 followers, XXX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread I'm hesitant to assign too much to terminal value for things XX years out. Risk/reward at buying $LMND was great at $16-30s for that optionality. If we were at $12B today is it worth that premium for optionality For me the margin of safety would be gone without fundamentals"  
[X Link](https://x.com/bjmtweets/status/1998436064353214738)  2025-12-09T16:54Z 4765 followers, XXX engagements


"@Leinad7331 @Neil_X10 Yes but when brands like Hyundai or Toyota decide on who to partner with these are things they consider. You also need risk & rate solved now so you can partner early before partners are scooped up and switching costs exist"  
[X Link](https://x.com/bjmtweets/status/1998444524633473038)  2025-12-09T17:27Z 4764 followers, XX engagements


"@Leinad7331 @Neil_X10 This is not the ethos and culture of Hyundai Toyota etc. boards. Or of independent agents. Each of these businesses attract those that share similar values or focuses. This is my point on alignment with partner/IA integration to scale"  
[X Link](https://x.com/bjmtweets/status/1998450371690377319)  2025-12-09T17:51Z 4764 followers, XXX engagements


"@macaronicapital $LMND"  
[X Link](https://x.com/bjmtweets/status/1998606933771837521)  2025-12-10T04:13Z 4765 followers, XXX engagements


"@TheRayMyers $AMZN. Most durable moat"  
[X Link](https://x.com/bjmtweets/status/1998620595903410225)  2025-12-10T05:07Z 4764 followers, XXX engagements


"Cramer just weighed in on the $LMND vs $ROOT debate: Here's what he said when asked about $ROOT: "No. You got to keep looking at something else. It's not going to do it for you. It's actually an expensive stock even though it doesn't look like it cause I don't think all the earnings are going to come through. But you know what you ought to think about $LMND I'm not kidding.""  
[X Link](https://x.com/bjmtweets/status/1999163494458184137)  2025-12-11T17:04Z 4766 followers, 12.7K engagements


"@YodaStockInvest My second biggest. $ROOT is biggest"  
[X Link](https://x.com/bjmtweets/status/1998263132763095166)  2025-12-09T05:27Z 4765 followers, XXX engagements


"A structural issue with $CRWV $IREN and $NBIS is gross margins (largely) do not improve as you build more. You are spreading the GPU baremetal + floor cost across the energy hookup. Once you start a new data center incremental margins are worse until XXX% utilization again"  
[X Link](https://x.com/bjmtweets/status/1996003658165891264)  2025-12-02T23:48Z 4764 followers, 1477 engagements


"Will share my orchestration thoughts on $PATH tomorrow before earnings. On a fundamental level. Focused on Maestro"  
[X Link](https://x.com/bjmtweets/status/1996072007855997254)  2025-12-03T04:20Z 4764 followers, 5657 engagements


"New article out. Does $PATH's Maestro Have Product Market Fit Here's What The Data Tells Us 🔗👇"  
[X Link](https://x.com/bjmtweets/status/1996321703048380518)  2025-12-03T20:52Z 4764 followers, 3780 engagements


"Reminder about $PATH after hours Numbers themself don't mean a lot here What matters to the story is Maestro growth. We don't know that yet from top or bottom line numbers. Commentary on aggressive Maestro adoption = bullish Commentary on slow sales cycle for Maestro = bearish"  
[X Link](https://x.com/bjmtweets/status/1996335856035283269)  2025-12-03T21:48Z 4764 followers, 3443 engagements


"Daniel Dines on AI agent adoption that AREN'T $PATH agents inside the UiPath platform: "At this point it's too early to see us managing external agents that are built completely outside of our platform.""  
[X Link](https://x.com/bjmtweets/status/1996349917619786220)  2025-12-03T22:44Z 4764 followers, 2409 engagements


"$PATH is seeing significant interest around new agent development. Per Q3 call over XXX companies are actively developing agents in their platform. In Q2 that number was just XXX. Over XXX% increase"  
[X Link](https://x.com/bjmtweets/status/1996383759072165903)  2025-12-04T00:59Z 4764 followers, 3497 engagements


"$PATH up XX% today 👀"  
[X Link](https://x.com/bjmtweets/status/1996613169092169974)  2025-12-04T16:10Z 4763 followers, 2386 engagements


"@Leinad7331 @Neil_X10 Root is advantaged because distribution can be massively scaled and profitably which can accelerate their growth quicker. And market cap is $1B. 10x is much more possible in near to midterm"  
[X Link](https://x.com/bjmtweets/status/1998281416808001873)  2025-12-09T06:39Z 4765 followers, XXX engagements


"@Leinad7331 @Neil_X10 $ROOT is structured well to scale with RBC because risk to rate pricing is the biggest factor in profitability and they can scale that massively through IAs and partners. Car is a large TAM profit building product and the org is focused on pricing/distribution"  
[X Link](https://x.com/bjmtweets/status/1998414136175427632)  2025-12-09T15:27Z 4765 followers, XXX engagements


"@Leinad7331 @Neil_X10 $ROOT's entire org is set to solve immediate scale and profits with Car. $LMND org is split resources across many lines & focuses. For example they have a big Home book. That home book drags RBC. It also requires them to keep up rate filings and dedicate resources"  
[X Link](https://x.com/bjmtweets/status/1998416676300456286)  2025-12-09T15:37Z 4765 followers, XXX engagements


"@Neil_X10 @Leinad7331 @jaybananabread Profit is king. You must drive growth from increased profits. ADR only matters so much as it serves profit through reduced expenses (marketing)"  
[X Link](https://x.com/bjmtweets/status/1998422303701631404)  2025-12-09T15:59Z 4765 followers, XXX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread $LMND is doing great things. Many of those things are tail-ended when insurance scaling by constraints is front-ended"  
[X Link](https://x.com/bjmtweets/status/1998434179453956253)  2025-12-09T16:46Z 4764 followers, XXX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread These business are still in early growth so market hasn't fully realized this. $ROOT will be priced much better than it is today over mid-term in next 5-10 years"  
[X Link](https://x.com/bjmtweets/status/1998435154944262649)  2025-12-09T16:50Z 4764 followers, XXX engagements


"@Neil_X10 @Leinad7331 It's free upfront marketing that is recurring. Half of $PGR's book comes here. There is enough scale to completely fill an insurance companies RBC limit each year. PGR does well here because they have the best pricing of risk to rate. Which is also $ROOT's advantage"  
[X Link](https://x.com/bjmtweets/status/1998439169820078462)  2025-12-09T17:06Z 4765 followers, XXX engagements


"@AndersReiche @vander_lane @Neil_X10 @Leinad7331 @jaybananabread That depends on growth over next X years. If $ROOT grows faster and more profitable for sustained period it's not going to be discounted. RBC and profitable growth favor $ROOT to scale more over the next 5-10 years by company design"  
[X Link](https://x.com/bjmtweets/status/1998440582822416848)  2025-12-09T17:12Z 4764 followers, XXX engagements


"@AndersReiche @vander_lane @Neil_X10 @Leinad7331 @jaybananabread $LMND will do cool things. But it's really confined in Insurance. I share Domien's thoughts here:"  
[X Link](https://x.com/bjmtweets/status/1998440965737230708)  2025-12-09T17:13Z 4763 followers, XXX engagements


"@Leinad7331 @Neil_X10 It's a land grab so timing on solving risk to rate matters Root has strong trust signals with proven results with Carvana focusing on quality with CIO etc. They also build quicker here by experience. That's why brands like Hyundai are interested in working with them"  
[X Link](https://x.com/bjmtweets/status/1998449246144705003)  2025-12-09T17:46Z 4764 followers, XXX engagements


"@Leinad7331 @Neil_X10 As far as who you trust. We have to understand the ethos of those who would be doing the partnerships not our own. Where does their ethos align That's why Meta & Paypal executive's joined $LMND board. They share ethos of move fast and break things do cool tech stuff"  
[X Link](https://x.com/bjmtweets/status/1998449998967746612)  2025-12-09T17:49Z 4763 followers, XXX engagements


"@Neil_X10 @Leinad7331 Other than $PGR. Their tech debt is low. They have people systems debt though that slows down LAE improvements. They'll likely eat up the rest of the market while $LMND and $ROOT are still small and scaling"  
[X Link](https://x.com/bjmtweets/status/1998451193568440716)  2025-12-09T17:54Z 4763 followers, XXX engagements


"@vander_lane @AndersReiche @Neil_X10 @Leinad7331 @jaybananabread They co-exist well. Insurance is a big market and they both focus on different distribution. They will be taking share from legacy before they compete with each other for a long time to come"  
[X Link](https://x.com/bjmtweets/status/1998468070667595951)  2025-12-09T19:01Z 4763 followers, XX engagements


"IMO excellent entry opportunity for $PGR - Currently at the lower range of P/FCF - Scaling FCF rapidly Unlike other legacy insurer's $PGR has a modern tech stack with gold standard in data analytics. They'll be eating other legacy carrier's lunch for the next decade"  
[X Link](https://x.com/bjmtweets/status/1998572997603635660)  2025-12-10T01:58Z 4764 followers, XX engagements


"@ShadyJosh5 Wrong side of a trend that can last for decades or more"  
[X Link](https://x.com/bjmtweets/status/1998771465437782193)  2025-12-10T15:07Z 4764 followers, XXX engagements


"@ShadyJosh5 There's cyclical stocks though where they are with the longterm trend but short-term against it. Why not invest there Example the one I was looking at over past year was $ALB. It just ran though due to anticipated demand"  
[X Link](https://x.com/bjmtweets/status/1998809198638125251)  2025-12-10T17:37Z 4763 followers, XX engagements


"@QualityInvest5 Cancelled my $ADBE subscription today. Have used their software for past XX years"  
[X Link](https://x.com/bjmtweets/status/1998911684648546752)  2025-12-11T00:24Z 4765 followers, XXX engagements


"In 2023 I sold $FVRR shares and bought $LMND. Both had a similar market cap at the time. It was clear to me which one would grow quicker on a forward basis. Both had good stories. One was decelerating growth while the other was accelerating"  
[X Link](https://x.com/bjmtweets/status/1964814823331668249)  2025-09-07T22:15Z 4765 followers, 2271 engagements


"I don't know how low $KLAR goes but it's very close to under $10B which becomes a very attractive add for me. They are: ✅ Diversified by Geographic ✅ Diversified by Demographic ✅ Diversified by Merchant adoption ✅ Network effect ✅ High optionality in business ✅ Resilient funding sources ✅ Highly focused on AI efficiencies ✅ Favored by Gen Z and new cohorts ✅ Users are sticky & increase spend every year ✅ Consistent GMV growth by year"  
[X Link](https://x.com/bjmtweets/status/1991581011503972544)  2025-11-20T18:54Z 4765 followers, 1540 engagements


"$PATH CFO: "For the short term there is nothing material around agentic implementations.""  
[X Link](https://x.com/bjmtweets/status/1996352205042196922)  2025-12-03T22:53Z 4764 followers, 5223 engagements


"Overall here is my impression of $PATH quarterly call They presented themself as the Legacy RPA business. They believe this business will continue to grow. The language was around "stabilizing" the business. Maestro was framed as a tool to improve legacy "stickiness" and be a more whole platform. They did not choose to frame Maestro as a revolutionary orchestration tool for enterprise or as a product to on-board many new customers etc. They choose to frame it as a way to improve their current RPA legacy offerings. There is a large disconnect in how UiPath is framing Maestro and the business"  
[X Link](https://x.com/bjmtweets/status/1996357037232705667)  2025-12-03T23:13Z 4764 followers, 10K engagements


"$PATH new customers by quarter on a last twelve month basis. Number of new $1M ARR customers is actually decelerating growth"  
[X Link](https://x.com/bjmtweets/status/1996663546516852774)  2025-12-04T19:31Z 4765 followers, 4984 engagements


"Here is $PATH's ARR increase by quarter Charts are: LTM basis quarterly and y/y"  
[X Link](https://x.com/bjmtweets/status/1996670044219363625)  2025-12-04T19:56Z 4765 followers, 2760 engagements


"$ROOT partner added to S&P 500"  
[X Link](https://x.com/bjmtweets/status/1997141793276940414)  2025-12-06T03:11Z 4765 followers, 1862 engagements


"$ROOT could be a $10B business in X years. That would be a XXX% gain from today's share price"  
[X Link](https://x.com/bjmtweets/status/1998139125489393850)  2025-12-08T21:14Z 4764 followers, 2812 engagements


"Cancelled my $ADBE membership today after XX years of use. Adobe's core products have been relatively unchanged since they were released decades ago. Meanwhile competitors have come up with time saving solutions and more in-demand features"  
[X Link](https://x.com/bjmtweets/status/1998919277777408312)  2025-12-11T00:54Z 4765 followers, 1237 engagements


"$LMND's share price is up XXX% since this video"  
[X Link](https://x.com/bjmtweets/status/1997816899024167204)  2025-12-07T23:54Z 4765 followers, 9890 engagements


"$MELI is half the market cap of $SHOP"  
[X Link](https://x.com/bjmtweets/status/1998846518405873705)  2025-12-10T20:05Z 4765 followers, 1712 engagements


"Bought more $ROOT"  
[X Link](https://x.com/bjmtweets/status/1991220707611800021)  2025-11-19T19:03Z 4765 followers, 2978 engagements


"$ROOT testing the previous low hammer candle"  
[X Link](https://x.com/bjmtweets/status/1991562474576076883)  2025-11-20T17:41Z 4765 followers, 1984 engagements


"$LMND & $ROOT have a major advantage over legacy insurance. No tech debt. Here is an active job posting from State Farm. They need people to maintain critical systems with programming languages from the 1950s. Good luck re-writing and modifying that code without crashing critical infrastructure. They can't adapt like insurtechs. There's a reason $PGR is ahead of State Farm. And why $LMND and $ROOT will be too (eventually)"  
[X Link](https://x.com/bjmtweets/status/1991589274408611885)  2025-11-20T19:27Z 4765 followers, 2970 engagements


"I notice many legacy insurer commentators gloss over the fact that $PGR is really a dot com era standard business. They are winning because their systems were built largely in 90s for standard. Not during the 50s and Cobol era like others. $LMND $ROOT"  
[X Link](https://x.com/bjmtweets/status/1992389672383971363)  2025-11-23T00:28Z 4765 followers, 2873 engagements


"$CRWV $NBIS $IREN $ORCL and AI data center stocks are off my watchlist. After revisiting Cramer's failed dot com stock picks I found many similarities between the data center industry of the dot com bubble and today. Read here:"  
[X Link](https://x.com/bjmtweets/status/1995946435976855994)  2025-12-02T20:01Z 4765 followers, 1594 engagements


"$ROOT remains my top allocation XX% Y/Y revenue growth P/E around XX Half the new book doubled y/y 1/4 the new book grew 3x y/y Structural advantage against legacy 100x TAM industry Founder led with significant skin in the game Checks all my boxes"  
[X Link](https://x.com/bjmtweets/status/1996437199697654045)  2025-12-04T04:31Z 4765 followers, 2275 engagements


"$ROOT CEO does not give a #$&@ They literally went years without campaign branded ads The homepage is a X year old iPhone from IPO This is the guy who ignores everything but the essential highest ROI use of resources The jobs application page is almost all data science"  
[X Link](https://x.com/bjmtweets/status/1996450785400602753)  2025-12-04T05:25Z 4765 followers, 4032 engagements


"$ROOT TTM Net Income"  
[X Link](https://x.com/bjmtweets/status/1996732532419956789)  2025-12-05T00:05Z 4765 followers, 3477 engagements


"$LMND's lowest P/S ratio was XXXX. This was when the stock was beat down to $XX from massive inflation & high net losses Today $ROOT has $PGR level loss ratios half the book growing XXX% XX% rev growth and is profitable P/S ratio is .87 😲 Asymmetric opportunity is massive"  
[X Link](https://x.com/bjmtweets/status/1996737522651861482)  2025-12-05T00:24Z 4765 followers, 6329 engagements


"@jakebrowatzke @tfanalytics1 I'm searching for the aha moment but haven't found it. I've written off every stock I've owned before owning it. $LMND $ROOT $AMD etc. What do you think I'm missing Based on my interpretation of Dines commentary and Maestro/Path"  
[X Link](https://x.com/bjmtweets/status/1996740322869862845)  2025-12-05T00:36Z 4765 followers, XXX engagements


"If you aren't invested in $ROOT and want to know why it is my largest position here is the thesis: (drop a comment for any questions you have) Root Thesis - Goal of becoming #1 personal insurance carrier in US - Profitable and growing - PGR level loss ratios (the gold standard) - IA channel growing 3x y/y (1/4 of new book) - Partner channel growing XXX% y/y (1/2 of new book) - Lots of TAM ahead in both the above - Direct channel growth was soft last two quarters. Insurance is in "hard market" so high direct ad competition. This transition is complete so moving forward A/B ad improvements will"  
[X Link](https://x.com/bjmtweets/status/1996993383378882998)  2025-12-05T17:21Z 4766 followers, 6938 engagements


"The $ROOT opportunity as explained by Moneyball Sometimes the best ROI is a dorky pitcher that doesn't look the part and has a pitch people make fun of but has great stats and wins games. Everyone is underpaying him because they are paying for the star look over the star stats"  
[X Link](https://x.com/bjmtweets/status/1996996984063017090)  2025-12-05T17:35Z 4765 followers, 1292 engagements


"$ROOT is getting serious on brand awareness (mid and upper funnel marketing). Is the campaign-less brand phase over"  
[X Link](https://x.com/bjmtweets/status/1997029938722214109)  2025-12-05T19:46Z 4765 followers, 2516 engagements


"$ROOT has an XX% short float. That's a lot. What exactly are they hoping to accomplish Root isn't particularly expensive. Nor are they particularly failing in any way. It's basically shorting sentiment. Will be covered quickly when sentiment changes"  
[X Link](https://x.com/bjmtweets/status/1997050740234437114)  2025-12-05T21:09Z 4765 followers, 1508 engagements


"@_samputnam $ROOT is profitable. P/E in 20s"  
[X Link](https://x.com/bjmtweets/status/1997133958778392950)  2025-12-06T02:40Z 4765 followers, 1612 engagements


"@ericjackson Eric I recommend $ROOT Carvanas partner in insurance. Growing half its book at XXX% y/y Huge TAM Tiny market cap at $1B"  
[X Link](https://x.com/bjmtweets/status/1997151546325585985)  2025-12-06T03:50Z 4766 followers, XXX engagements


"If $ROOT stays below $XX will likely tax loss harvest a portion in a few weeks. Mostly like place to park those funds is $PGR ATM"  
[X Link](https://x.com/bjmtweets/status/1997724285021106398)  2025-12-07T17:46Z 4766 followers, 2897 engagements


"@Leinad7331 $ROOTs investments are moat building and affect numbers more than $LMND. It shows in bottom line Eventually customer service AI chatbots you can buy off the shelf. There is no first mover adv But being embedded partners with POS in car is a land grab with switching costs"  
[X Link](https://x.com/bjmtweets/status/1998047771329482787)  2025-12-08T15:11Z 4765 followers, 1040 engagements


"$ROOT's approach to car insurance: X. Solve risk to rate (pioneer in mobile telematics) President wrote PhD papers on insurance pricing CEO loves AI/ML actuarial science X. Build better embedded products to distribute this risk to rate X. Be a lean modern tech stack business"  
[X Link](https://x.com/bjmtweets/status/1998101669436076061)  2025-12-08T18:45Z 4765 followers, 1913 engagements


"$CVNA up XXX% YTD $ROOT flat Discrepancy in the market that won't last for long. Root will not only grow from Carvana as a strategic partner but also also from its IA channel and new embedded partnerships on the way"  
[X Link](https://x.com/bjmtweets/status/1998122313506787577)  2025-12-08T20:07Z 4765 followers, 1500 engagements


"The reason $ROOT is so cheap is they don't spoon-feed charts like this"  
[X Link](https://x.com/bjmtweets/status/1998159772043051149)  2025-12-08T22:36Z 4765 followers, 2308 engagements


"IMO $ROOT will have a massive re-rating within the next 12-months"  
[X Link](https://x.com/bjmtweets/status/1998164844508524909)  2025-12-08T22:56Z 4766 followers, 2384 engagements


"@Neil_X10 @Leinad7331 Structurally $ROOT is much better aligned for solving car pricing and mass distribution"  
[X Link](https://x.com/bjmtweets/status/1998172271912116627)  2025-12-08T23:26Z 4765 followers, XXX engagements


"@JM_Investment0 $ROOT"  
[X Link](https://x.com/bjmtweets/status/1998186385401131516)  2025-12-09T00:22Z 4765 followers, XXX engagements


"Very interesting. $ROOT & $PGR"  
[X Link](https://x.com/bjmtweets/status/1998601237298925736)  2025-12-10T03:50Z 4766 followers, 1412 engagements


"@DividendDynasty Lessons will be learned"  
[X Link](https://x.com/bjmtweets/status/1998924740795445536)  2025-12-11T01:16Z 4766 followers, XXX engagements


"Good chat on $LMND and the macro"  
[X Link](https://x.com/bjmtweets/status/1999257031824539708)  2025-12-11T23:16Z 4766 followers, 4534 engagements


"$LMND insider sales this week"  
[X Link](https://x.com/bjmtweets/status/1999544993707622650)  2025-12-12T18:20Z 4766 followers, 5992 engagements