[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.]  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 $XX. I’ve never had such conviction in a company’s product advantage and innovation rate at such a small size, with such a vast TAM, and the potential to sustain growth over so many decades. With its setup for best in class margin, selling for such a margin of safety, my mind is blown daily thinking about Lemonade's present ROIC opportunity. Its ability to autonomously scale operations with limited added cost, combined with an all-in star co-founder duo in Daniel and Shai is what made me finally, after following the company for years, feel justified and extremely safe going all-in. Just before the free cashflow inflection and the market waking up to the the opportunity Lemonade presents. *This is not financial advice. Only my own thoughts, my own investment decisions and my small team's research shared for your entertainment. XXXXX engagements  **Related Topics** [oscr](/topic/oscr) [pltr](/topic/pltr) [hims](/topic/hims) [$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.]
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
Related Topics oscr pltr hims $lmnds longterm $tsla $hims stocks
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