[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 Holler to Tide Investment Guide Holler to Tide Investment Guide posts on X about $lmnd, $adyen, insurance, $oscr the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1277341271774965760/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXX +33% - X Months XXXXXXX +5,226% - X Year XXXXXXX +57,674% ### Mentions: XX [#](/creator/twitter::1277341271774965760/posts_active)  - X Month XXX +33% - X Months XXX +875% - X Year XXX +5,263% ### Followers: XXX [#](/creator/twitter::1277341271774965760/followers)  - X Week XXX +7.60% - X Month XXX +62% - X Months XXX +512% - X Year XXX +283% ### CreatorRank: XXXXXXX [#](/creator/twitter::1277341271774965760/influencer_rank)  ### Social Influence [#](/creator/twitter::1277341271774965760/influence) --- **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [technology brands](/list/technology-brands) [cryptocurrencies](/list/cryptocurrencies) [automotive brands](/list/automotive-brands) **Social topic influence** [$lmnd](/topic/$lmnd) #99, [$adyen](/topic/$adyen), [insurance](/topic/insurance) #256, [$oscr](/topic/$oscr) #121, [asml](/topic/asml) #44, [$asml](/topic/$asml) #40, [$bn](/topic/$bn), [$nu](/topic/$nu), [hims](/topic/hims), [$hims](/topic/$hims) **Top assets mentioned** [Lemonade, Inc. (LMND)](/topic/$lmnd) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [Brookfield Corporation (BN)](/topic/$bn) [NuCypher (NU)](/topic/$nu) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Fortinet Inc (FTNT)](/topic/$ftnt) [MercadoLibre Inc (MELI)](/topic/$meli) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Taiwan Semiconductor (TSM)](/topic/$tsm) [Progressive Corp (PGR)](/topic/$pgr) [Brookfield Asset Management Inc (BAM)](/topic/$bam) [RAI Finance (SOFI)](/topic/$sofi) [Trade Desk, Inc. (TTD)](/topic/$ttd) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Block, Inc. (XYZ)](/topic/$xyz) [Advanced Micro Devices (AMD)](/topic/$amd) [Tesla, Inc. (TSLA)](/topic/$tsla) [Sleepless AI (AI)](/topic/$ai) [SPDR S&P XXX ETF Trust (SPY)](/topic/$spy) [NVIDIA Corp. (NVDA)](/topic/$nvda) [UnitedHealth Group (UNH)](/topic/$unh) [DigitalOcean Holdings, Inc. (DOCN)](/topic/$docn) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Microsoft Corp. (MSFT)](/topic/$msft) [Netflix Inc (NFLX)](/topic/$nflx) [Allstate Corp (ALL)](/topic/allstate) [ZetaChain (ZETA)](/topic/$zeta) [Lyft, Inc. Class A Common Stock (LYFT)](/topic/$lyft) [The Root Network (ROOT)](/topic/$root) [Hundred Million (100M)](/topic/$100m) ### Top Social Posts [#](/creator/twitter::1277341271774965760/posts) --- Top posts by engagements in the last XX hours "@LegioII_ @DividendDude_X $XX per year (5 per mo) @ 2m members is $120m. So 100m is a guess at losing some. Not huge in the grand scheme of things in fact its minuscule. But my point is that wasnt in the guide and quoting the guide is misleading until we hear more. Hope Im wrong. Long $oscr"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1947044249737797956) 2025-07-20 21:21:38 UTC XXX followers, XX engagements "$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](/creator/x/hollertotide) on [X](/post/tweet/1946405321007620405) 2025-07-19 03:02:45 UTC XXX followers, 1026 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](/creator/x/hollertotide) on [X](/post/tweet/1940792307646976431) 2025-07-03 15:18:38 UTC XXX followers, XXX engagements "Love $LMND's innovative business model But after crunching numbers: $685M 2025 rev $40M adj FCF XXXX% dilution/yr 40x P/FCF (32 in 2035) XX% rev CAGR 6-10% FCF margin by 2035 it feels pricey. What am I missing 🤔"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1942286461463937443) 2025-07-07 18:15:53 UTC XXX followers, 6703 engagements "Assuming $LMND got the risk underwriting correct half the battle is already won with winning the customer"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946584926763040915) 2025-07-19 14:56:26 UTC XXX followers, 2741 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](/creator/x/hollertotide) on [X](/post/tweet/1946297237425815617) 2025-07-18 19:53:16 UTC XXX followers, 3763 engagements "3 $LMND s Pricing & cash flow are key. XX% TTM loss ratio (59% ex-CAT) shows underwriting discipline. Reinsurance pivot (55% to XX% quota share) boosts cash retention. $48M positive cash flow in XX & $1B reserves. Can they cover losses Sure looks like it"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1944885387157278800) 2025-07-14 22:23:05 UTC XXX followers, XXX engagements "Using History as Our Guide: How Lemonade $LMND is set to explode revenues and profit margins just like Progressive $PGR did in the late 90's into early 00's by reducing their dependence on reinsurance 🧵👇"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1943069689124688060) 2025-07-09 22:08:09 UTC XXX followers, 4453 engagements "$ADYEN s operating leverage is insane. Processing billions with fewer employees than $PYPL or $XYZ. This is what happens when you build for scale from day X and never pivot. SCALE IS THE NAME OF THE GAME"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940789629663526971) 2025-07-03 15:08:00 UTC XXX followers, XXX engagements "2 $LMND is scaling fast: $1B IFP in XXX yrs XX% YoY growth in Q1 XX. AI & telematics cut costs (1 employee per 2000 customers vs. 150-450 for legacy insurers). OpEx stable despite growth. Can they keep lowering costs Signs point to yes"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1944885379481657561) 2025-07-14 22:23:03 UTC XXX followers, XXX engagements "$BN s Flatt: AI & robotics could spark a 25-yr investment boom rivaling the internets impact. Productivity gains will fund the shift. $AI $ROBO $BOTZ $ARKQ $IRBO $SPY $QQQ $NVDA $TSLA $AMD $BAM"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1938406193032049079) 2025-06-27 01:17:04 UTC XXX followers, XXX engagements "$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](/creator/x/hollertotide) on [X](/post/tweet/1946965149589426236) 2025-07-20 16:07:19 UTC XXX followers, 2497 engagements "$OSCR isnt just a health insurer its a low cost data stack for underwriting human behavior. Their differentiated moat is the member engagement layer: every tap message and referral feeds their internal risk engine. Customers love them and they hate legacy insurers like $UNH"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1945972884079321268) 2025-07-17 22:24:24 UTC XXX followers, 1787 engagements "1Following Constellation Softwares Playbook Vitec mirrors Constellation Software $CSU acquiring niche vertical software businesses. But $VIT.B shines with 7-9% organic growth vs. $CSU s X% driven by product enhancements and upselling boosting revenue dynamically"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940075783998894496) 2025-07-01 15:51:26 UTC XXX followers, XXX engagements "$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 hide my excitement"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946964740414017895) 2025-07-20 16:05:41 UTC XXX followers, XX engagements "Brookfield $BN $BAM doesnt just buy infrastructure it buys duration mismatch. By pairing long-lived assets with short-term capital distress it arbitrages time at scale. Most value firms stop at price; Brookfield starts there"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940958415712588040) 2025-07-04 02:18:42 UTC XXX followers, 2470 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](/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](/creator/x/hollertotide) on [X](/post/tweet/1947391171505836080) 2025-07-21 20:20:10 UTC XXX followers, XX engagements "@TheEUInvestor Yep I believe it will. Auto insurance is hard to figure out it took them a while. With reinsurance pivot and recent speed of rollout both clear signs they are about to really hit the gas"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946235817057284431) 2025-07-18 15:49:12 UTC XXX followers, XX 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](/creator/x/hollertotide) on [X](/post/tweet/1936109451141923070) 2025-06-20 17:10:38 UTC XXX followers, 5956 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](/creator/x/hollertotide) on [X](/post/tweet/1946336138605494391) 2025-07-18 22:27:51 UTC XXX followers, 2943 engagements "@LegioII_ @DividendDude_X $XX per year (5 per mo) @ 2m members is $120m. So 100m is a guess at losing some of those members. Not huge in the grand scheme of things as a matter of fact minuscule. But my point is that wasnt in the guide and quoting the guide blindly w/o these items is a tad misleading"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946985961356681519) 2025-07-20 17:30:01 UTC XXX followers, X engagements "$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](/creator/x/hollertotide) on [X](/post/tweet/1940788363218522517) 2025-07-03 15:02:58 UTC XXX followers, XXX engagements "🧵 Vitec Software Group $VIT.B: An absolute compounding machine. Vitec Software Group AB is a Swedish serial acquirer vertical software gem serving multiple markets especially the Nordics with a proven model and massive potential. Heres why Vitec is turning heads 👇:"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1940075781218091441) 2025-07-01 15:51:25 UTC XXX followers, 3616 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](/creator/x/hollertotide) on [X](/post/tweet/1944580690936279080) 2025-07-14 02:12:19 UTC XXX followers, 1556 engagements "@Spike_1567 $hims is a tough one. I dont agree with what theyre doing but its working. My main reason for selling is I think their management is shady by using loopholes to steal IP"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946716800055460304) 2025-07-19 23:40:28 UTC XXX followers, XX engagements "$ASML s cutting-edge EUV tools are seeing slower adoption; $TSM and others are milking existing nodes. Short-term pain Sure. But service revenue is surging at high margins. Eventually AI + demand for smaller nodes makes upgrades inevitable. The flywheel is spinning"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946968436803825755) 2025-07-20 16:20:22 UTC XXX followers, 1290 engagements "Oscar built the first new health insurance platform since HealthEdge 1972. Thats reinvention 2026 may be noisy but I run finance operations for a small manufacturer and ICHRAs make all the sense for us. This is where the markets headed. $OSCR is building something special"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946959023179235648) 2025-07-20 15:42:58 UTC XXX followers, 2440 engagements "$ZETA: David A. Steinberg CEO (27.3M shares XXXXX% $364M) holds most of his net worth herebetting on the jockey Jeffrey Feinberg (10.1M $134.5M) John Sculley (1.2M $15.6M ex-Apple CEO) own stakes. High leadership value. Aligned with Shareholders"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1937971006523482606) 2025-06-25 20:27:48 UTC XXX followers, XXX engagements "$LMND isnt just using AI to sell insurance its using it to scale trust. Their loss ratio is improving because every claim tap and behavior feeds a feedback loop that lets them price new customers faster and smarter. Its a compounding underwriting advantage going unnoticed"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1945970056854122696) 2025-07-17 22:13:10 UTC XXX followers, 1510 engagements "@longoption Id own $nu over $Sofi all day every day. Also $uber over $lyft I agree with most though"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946930990011613200) 2025-07-20 13:51:34 UTC XXX followers, XXX engagements "4Growth spend is hefty (up XX% YoY Q4 24) but its fueling auto & intl expansion. Cross-selling to 2.5M customers & telematics (60% conversion boost) should lower CAC. Once growth spend eases ratios should beat legacy insurers (I dont think XX% is a crazy expectation) $LMND"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1944885395621339513) 2025-07-14 22:23:07 UTC XXX followers, XXX engagements "@TheEUInvestor They arent a glp-1 business. However the way management is running it tells me all I need to know. I still think $hims could be huge"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946665849877655774) 2025-07-19 20:18:00 UTC XXX followers, XX engagements "5Risks Plenty. Not profitable yet ($62M Q1 XX loss) CAT exposure (wildfires hit hard) & competition from $PGR $ROOT. Regulatory hurdles loom. But mgmts vision & execution (87% retention Giveback program) make this a bet on what could be. 🎯 $LMND"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1944885403510554964) 2025-07-14 22:23:09 UTC XXX followers, XXX 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 $VHI.TO"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946598672831058036) 2025-07-19 15:51:04 UTC XXX followers, 3396 engagements "$LMND s AI Jim settles XX% of claims in seconds slashing costs. TTM XX gross margin hit XX% $1B IFP and XX% revenue growth its a disruptor in the multi-TRILLION dollar insurance market. If this continues and they truly nailed risked/pricing the return will be insane"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1947058027682471947) 2025-07-20 22:16:23 UTC XXX followers, 1477 engagements "$LMND s real product is loss ratio control at scale. Their new reinsurance shift (80% retention) is a bold bet that their tech can outperform traditional insurers on net risk not just growth. They think theyve figured it out huge turning point"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1945971205699142071) 2025-07-17 22:17:44 UTC XXX followers, 2493 engagements "@LegioII_ @DividendDude_X I never used the word worried. I stand by that comment as Im talking about guidance. Ill try this again $X (per month) admin fees are NEW and NOT in the XX guide. This may reduce revenue by about $100m. Again NOT in the guide Are you that dense Not that hard of a concept"  [@hollertotide](/creator/x/hollertotide) on [X](/post/tweet/1946983799738319168) 2025-07-20 17:21:25 UTC XXX followers, XX 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 Holler to Tide Investment Guide
Holler to Tide Investment Guide posts on X about $lmnd, $adyen, insurance, $oscr the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXXX +33%
- X Months XXXXXXX +5,226%
- X Year XXXXXXX +57,674%
Mentions: XX #
- X Month XXX +33%
- X Months XXX +875%
- X Year XXX +5,263%
Followers: XXX #
- X Week XXX +7.60%
- X Month XXX +62%
- X Months XXX +512%
- X Year XXX +283%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance stocks technology brands cryptocurrencies automotive brands
Social topic influence $lmnd #99, $adyen, insurance #256, $oscr #121, asml #44, $asml #40, $bn, $nu, hims, $hims
Top assets mentioned Lemonade, Inc. (LMND) Oscar Health, Inc. (OSCR) Brookfield Corporation (BN) NuCypher (NU) Hims & Hers Health, Inc. (HIMS) Fortinet Inc (FTNT) MercadoLibre Inc (MELI) Uber Technologies, Inc. (UBER) Taiwan Semiconductor (TSM) Progressive Corp (PGR) Brookfield Asset Management Inc (BAM) RAI Finance (SOFI) Trade Desk, Inc. (TTD) Amazon.com, Inc. (AMZN) PayPal Holdings Inc (PYPL) Block, Inc. (XYZ) Advanced Micro Devices (AMD) Tesla, Inc. (TSLA) Sleepless AI (AI) SPDR S&P XXX ETF Trust (SPY) NVIDIA Corp. (NVDA) UnitedHealth Group (UNH) DigitalOcean Holdings, Inc. (DOCN) DLocal Limited Class A Common Shares (DLO) Microsoft Corp. (MSFT) Netflix Inc (NFLX) Allstate Corp (ALL) ZetaChain (ZETA) Lyft, Inc. Class A Common Stock (LYFT) The Root Network (ROOT) Hundred Million (100M)
Top Social Posts #
Top posts by engagements in the last XX hours
"@LegioII_ @DividendDude_X $XX per year (5 per mo) @ 2m members is $120m. So 100m is a guess at losing some. Not huge in the grand scheme of things in fact its minuscule. But my point is that wasnt in the guide and quoting the guide is misleading until we hear more. Hope Im wrong. Long $oscr"
@hollertotide on X 2025-07-20 21:21:38 UTC XXX followers, XX engagements
"$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 on X 2025-07-19 03:02:45 UTC XXX followers, 1026 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 on X 2025-07-03 15:18:38 UTC XXX followers, XXX engagements
"Love $LMND's innovative business model But after crunching numbers: $685M 2025 rev $40M adj FCF XXXX% dilution/yr 40x P/FCF (32 in 2035) XX% rev CAGR 6-10% FCF margin by 2035 it feels pricey. What am I missing 🤔" @hollertotide on X 2025-07-07 18:15:53 UTC XXX followers, 6703 engagements
"Assuming $LMND got the risk underwriting correct half the battle is already won with winning the customer" @hollertotide on X 2025-07-19 14:56:26 UTC XXX followers, 2741 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 on X 2025-07-18 19:53:16 UTC XXX followers, 3763 engagements
"3 $LMND s Pricing & cash flow are key. XX% TTM loss ratio (59% ex-CAT) shows underwriting discipline. Reinsurance pivot (55% to XX% quota share) boosts cash retention. $48M positive cash flow in XX & $1B reserves. Can they cover losses Sure looks like it" @hollertotide on X 2025-07-14 22:23:05 UTC XXX followers, XXX engagements
"Using History as Our Guide: How Lemonade $LMND is set to explode revenues and profit margins just like Progressive $PGR did in the late 90's into early 00's by reducing their dependence on reinsurance 🧵👇" @hollertotide on X 2025-07-09 22:08:09 UTC XXX followers, 4453 engagements
"$ADYEN s operating leverage is insane. Processing billions with fewer employees than $PYPL or $XYZ. This is what happens when you build for scale from day X and never pivot. SCALE IS THE NAME OF THE GAME" @hollertotide on X 2025-07-03 15:08:00 UTC XXX followers, XXX engagements
"2 $LMND is scaling fast: $1B IFP in XXX yrs XX% YoY growth in Q1 XX. AI & telematics cut costs (1 employee per 2000 customers vs. 150-450 for legacy insurers). OpEx stable despite growth. Can they keep lowering costs Signs point to yes" @hollertotide on X 2025-07-14 22:23:03 UTC XXX followers, XXX engagements
"$BN s Flatt: AI & robotics could spark a 25-yr investment boom rivaling the internets impact. Productivity gains will fund the shift. $AI $ROBO $BOTZ $ARKQ $IRBO $SPY $QQQ $NVDA $TSLA $AMD $BAM" @hollertotide on X 2025-06-27 01:17:04 UTC XXX followers, XXX engagements
"$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 on X 2025-07-20 16:07:19 UTC XXX followers, 2497 engagements
"$OSCR isnt just a health insurer its a low cost data stack for underwriting human behavior. Their differentiated moat is the member engagement layer: every tap message and referral feeds their internal risk engine. Customers love them and they hate legacy insurers like $UNH" @hollertotide on X 2025-07-17 22:24:24 UTC XXX followers, 1787 engagements
"1Following Constellation Softwares Playbook Vitec mirrors Constellation Software $CSU acquiring niche vertical software businesses. But $VIT.B shines with 7-9% organic growth vs. $CSU s X% driven by product enhancements and upselling boosting revenue dynamically" @hollertotide on X 2025-07-01 15:51:26 UTC XXX followers, XXX engagements
"$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 hide my excitement" @hollertotide on X 2025-07-20 16:05:41 UTC XXX followers, XX engagements
"Brookfield $BN $BAM doesnt just buy infrastructure it buys duration mismatch. By pairing long-lived assets with short-term capital distress it arbitrages time at scale. Most value firms stop at price; Brookfield starts there" @hollertotide on X 2025-07-04 02:18:42 UTC XXX followers, 2470 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 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 on X 2025-07-21 20:20:10 UTC XXX followers, XX engagements
"@TheEUInvestor Yep I believe it will. Auto insurance is hard to figure out it took them a while. With reinsurance pivot and recent speed of rollout both clear signs they are about to really hit the gas" @hollertotide on X 2025-07-18 15:49:12 UTC XXX followers, XX 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 on X 2025-06-20 17:10:38 UTC XXX followers, 5956 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 on X 2025-07-18 22:27:51 UTC XXX followers, 2943 engagements
"@LegioII_ @DividendDude_X $XX per year (5 per mo) @ 2m members is $120m. So 100m is a guess at losing some of those members. Not huge in the grand scheme of things as a matter of fact minuscule. But my point is that wasnt in the guide and quoting the guide blindly w/o these items is a tad misleading" @hollertotide on X 2025-07-20 17:30:01 UTC XXX followers, X engagements
"$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 on X 2025-07-03 15:02:58 UTC XXX followers, XXX engagements
"🧵 Vitec Software Group $VIT.B: An absolute compounding machine. Vitec Software Group AB is a Swedish serial acquirer vertical software gem serving multiple markets especially the Nordics with a proven model and massive potential. Heres why Vitec is turning heads 👇:" @hollertotide on X 2025-07-01 15:51:25 UTC XXX followers, 3616 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 on X 2025-07-14 02:12:19 UTC XXX followers, 1556 engagements
"@Spike_1567 $hims is a tough one. I dont agree with what theyre doing but its working. My main reason for selling is I think their management is shady by using loopholes to steal IP" @hollertotide on X 2025-07-19 23:40:28 UTC XXX followers, XX engagements
"$ASML s cutting-edge EUV tools are seeing slower adoption; $TSM and others are milking existing nodes. Short-term pain Sure. But service revenue is surging at high margins. Eventually AI + demand for smaller nodes makes upgrades inevitable. The flywheel is spinning" @hollertotide on X 2025-07-20 16:20:22 UTC XXX followers, 1290 engagements
"Oscar built the first new health insurance platform since HealthEdge 1972. Thats reinvention 2026 may be noisy but I run finance operations for a small manufacturer and ICHRAs make all the sense for us. This is where the markets headed. $OSCR is building something special" @hollertotide on X 2025-07-20 15:42:58 UTC XXX followers, 2440 engagements
"$ZETA: David A. Steinberg CEO (27.3M shares XXXXX% $364M) holds most of his net worth herebetting on the jockey Jeffrey Feinberg (10.1M $134.5M) John Sculley (1.2M $15.6M ex-Apple CEO) own stakes. High leadership value. Aligned with Shareholders" @hollertotide on X 2025-06-25 20:27:48 UTC XXX followers, XXX engagements
"$LMND isnt just using AI to sell insurance its using it to scale trust. Their loss ratio is improving because every claim tap and behavior feeds a feedback loop that lets them price new customers faster and smarter. Its a compounding underwriting advantage going unnoticed" @hollertotide on X 2025-07-17 22:13:10 UTC XXX followers, 1510 engagements
"@longoption Id own $nu over $Sofi all day every day. Also $uber over $lyft I agree with most though" @hollertotide on X 2025-07-20 13:51:34 UTC XXX followers, XXX engagements
"4Growth spend is hefty (up XX% YoY Q4 24) but its fueling auto & intl expansion. Cross-selling to 2.5M customers & telematics (60% conversion boost) should lower CAC. Once growth spend eases ratios should beat legacy insurers (I dont think XX% is a crazy expectation) $LMND" @hollertotide on X 2025-07-14 22:23:07 UTC XXX followers, XXX engagements
"@TheEUInvestor They arent a glp-1 business. However the way management is running it tells me all I need to know. I still think $hims could be huge" @hollertotide on X 2025-07-19 20:18:00 UTC XXX followers, XX engagements
"5Risks Plenty. Not profitable yet ($62M Q1 XX loss) CAT exposure (wildfires hit hard) & competition from $PGR $ROOT. Regulatory hurdles loom. But mgmts vision & execution (87% retention Giveback program) make this a bet on what could be. 🎯 $LMND" @hollertotide on X 2025-07-14 22:23:09 UTC XXX followers, XXX 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 $VHI.TO" @hollertotide on X 2025-07-19 15:51:04 UTC XXX followers, 3396 engagements
"$LMND s AI Jim settles XX% of claims in seconds slashing costs. TTM XX gross margin hit XX% $1B IFP and XX% revenue growth its a disruptor in the multi-TRILLION dollar insurance market. If this continues and they truly nailed risked/pricing the return will be insane" @hollertotide on X 2025-07-20 22:16:23 UTC XXX followers, 1477 engagements
"$LMND s real product is loss ratio control at scale. Their new reinsurance shift (80% retention) is a bold bet that their tech can outperform traditional insurers on net risk not just growth. They think theyve figured it out huge turning point" @hollertotide on X 2025-07-17 22:17:44 UTC XXX followers, 2493 engagements
"@LegioII_ @DividendDude_X I never used the word worried. I stand by that comment as Im talking about guidance. Ill try this again $X (per month) admin fees are NEW and NOT in the XX guide. This may reduce revenue by about $100m. Again NOT in the guide Are you that dense Not that hard of a concept" @hollertotide on X 2025-07-20 17:21:25 UTC XXX followers, XX engagements