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![jakebrowatzke Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::244848653.png) Jake Browatzke 🚀 [@jakebrowatzke](/creator/twitter/jakebrowatzke) on x 30.9K followers
Created: 2025-07-22 23:44:26 UTC

$LMND offers the highest 10-year cash flow return relative to its price among all stocks in our model, including:

X. $HIMS (great value, with risks)
X. $PLTR (strong, but overpriced)
X. $TSLA (costly, but TAM expansion supports good long term returns despite premium)
X. $OSCR (multiple expansion potential, but lower long-term free cash flow margin, underperforming $LMND’s return over XX years)
X. $IREN (potentially higher short term cash flow return if $BTC growth or their AI pivot succeeds, but less certain with lower long-term margin potential as a hardware based business, trailing Lemonade's return expectations over XX years)
X. $XYZ (good products, slower growth rates)
X. $FOUR (great company, conservatively valued, with less long-term upside)

Lemonade’s ability to scale revenue without proportional expense growth highlights the strength of an AI-first insurance company. As a scaled autonomous organization, the market vastly underestimates Lemonade’s cash flow margin potential.

Currently, XX% of the float bets on Lemonade’s bankruptcy, despite positive free cash flows, a growing $1B cash balance and a race towards profitability painting a stark divergence between market price and true value.

Our 2035 model projects Lemonade generating ~$2B in profit and trading around $XXX per share with a moderate multiple in XX years.

Discounting our 2035 price target at XX% annually (fair pre-profit safety margin) values $LMND at $XXX today.
At a XX% annual discount rate (incredible margin of safety), it’s worth $83.43, yet it trades at only $XX.

I’ve never had such conviction in a company’s product advantage and innovation rate at such a small size, with such a vast TAM, and the potential to sustain growth over so many decades. With its setup for best in class margin, selling for such a margin of safety, my mind is blown daily thinking about Lemonade's present ROIC opportunity.

Its ability to autonomously scale operations with limited added cost, combined with an all-in star co-founder duo in Daniel and Shai is what made me finally, after following the company for years, feel justified and extremely safe going all-in. Just before the free cashflow inflection and the market waking up to the the opportunity Lemonade presents.

*This is not financial advice. Only my own thoughts, my own investment decisions and my small team's research shared for your entertainment.


XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1947804963305848848/c:line.svg)

**Related Topics**
[oscr](/topic/oscr)
[pltr](/topic/pltr)
[hims](/topic/hims)
[$lmnds](/topic/$lmnds)
[longterm](/topic/longterm)
[$tsla](/topic/$tsla)
[$hims](/topic/$hims)
[stocks](/topic/stocks)

[Post Link](https://x.com/jakebrowatzke/status/1947804963305848848)

[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.]

jakebrowatzke Avatar Jake Browatzke 🚀 @jakebrowatzke on x 30.9K followers Created: 2025-07-22 23:44:26 UTC

$LMND offers the highest 10-year cash flow return relative to its price among all stocks in our model, including:

X. $HIMS (great value, with risks) X. $PLTR (strong, but overpriced) X. $TSLA (costly, but TAM expansion supports good long term returns despite premium) X. $OSCR (multiple expansion potential, but lower long-term free cash flow margin, underperforming $LMND’s return over XX years) X. $IREN (potentially higher short term cash flow return if $BTC growth or their AI pivot succeeds, but less certain with lower long-term margin potential as a hardware based business, trailing Lemonade's return expectations over XX years) X. $XYZ (good products, slower growth rates) X. $FOUR (great company, conservatively valued, with less long-term upside)

Lemonade’s ability to scale revenue without proportional expense growth highlights the strength of an AI-first insurance company. As a scaled autonomous organization, the market vastly underestimates Lemonade’s cash flow margin potential.

Currently, XX% of the float bets on Lemonade’s bankruptcy, despite positive free cash flows, a growing $1B cash balance and a race towards profitability painting a stark divergence between market price and true value.

Our 2035 model projects Lemonade generating ~$2B in profit and trading around $XXX per share with a moderate multiple in XX years.

Discounting our 2035 price target at XX% annually (fair pre-profit safety margin) values $LMND at $XXX today. At a XX% annual discount rate (incredible margin of safety), it’s worth $83.43, yet it trades at only $XX.

I’ve never had such conviction in a company’s product advantage and innovation rate at such a small size, with such a vast TAM, and the potential to sustain growth over so many decades. With its setup for best in class margin, selling for such a margin of safety, my mind is blown daily thinking about Lemonade's present ROIC opportunity.

Its ability to autonomously scale operations with limited added cost, combined with an all-in star co-founder duo in Daniel and Shai is what made me finally, after following the company for years, feel justified and extremely safe going all-in. Just before the free cashflow inflection and the market waking up to the the opportunity Lemonade presents.

*This is not financial advice. Only my own thoughts, my own investment decisions and my small team's research shared for your entertainment.

XXXXX engagements

Engagements Line Chart

Related Topics oscr pltr hims $lmnds longterm $tsla $hims stocks

Post Link

post/tweet::1947804963305848848
/post/tweet::1947804963305848848