NI

Apprehensive_End8318

We know it, just saying you don't know what you're talking about. NI is a contribution towards NHS. Vehicle excise duty is not necessarily only going on roads and we know it. At least we don't stop paying government workers when you lot can't get your shit together eh.

Left-Associate3911

NI 🤣 You must also believe paying road tax pays for the roads.

wulfofws

Dude likes tasting fake meat. 

ScrewChaseBank

ON SOME REAL SHIT MY NI🅱️🅱️AS what stocks are mooning tomorrow? I’m thinking NBIS and IREN….

Otherwise_Surround99

This post is the opposite of AI. NI , Natural Ignorance

C3POmeetsR2D2

Hello, I would like to inform you that Laurion is currently not generating any revenue. All activities are exploratory. Their analyses often negatively mention the high operating cash burn and the company's strong dependence on further financing rounds. In specialist articles, Laurion is sometimes mentioned as a potential takeover target, precisely because the project is relatively advanced ("mid-stage") and has been "derisked" by the NI 43-101 report. Technical indicators (e.g., moving averages, RSI, etc.) currently look weak. Platforms like [Investing.com](http://Investing.com), for example, list "strong sell" signals. Junior exploration companies are highly dependent on commodity prices, investor sentiment, and the competition for capital. If interest rates or capital markets are unfavorable, this can have a major impact. I consider Laurion an exciting bet with potential—especially if the next drilling programs and geophysical data continue to deliver strong results. But it really has to be something. I keep my fingers crossed for you and wish you good luck!

PalpitationFrosty242

NI - not interested this is a scam company

mfairview

Company did 210m in revs but only 1.5m in NI? Anyone know if they diluted again and, if so, how much? With its Q1 FY26 results earlier in the day, Tilray (NASDAQ:TLRY) reported $209.5M in revenue with ~5% YoY growth, beating Street forecasts by roughly $3.8M as its distribution business added $74.0M to the topline with ~9% YoY growth. However, net revenue from TLRY’s beverage business remained flat at $55.7M from the prior year period, and its cannabis business added $64.5M to the topline with ~5% YoY growth. Thanks mainly to a ~51% decline in amortization and a drop in other non-cash expenses, the company’s operating costs fell ~43% YoY to $55.4M, and TLRY swung to $1.5M of net income compared to $34.7M of net loss in the prior year quarter. However, the company’s gross margin slipped to 27% from 30% in Q1 FY25 and its adjusted net income improved to $3.9M from a $6.1M loss, while adj. EBITDA rose ~9% YoY to $10.2M.

pseudo_rockstar

Bers you fucking retards lmaoooo fuck youuuuu stonks have INFINITE VALUE!!! IN-FI-NI-TE!

Feisty-Bathroom-4904

It’s a Dem recommending it… In response to tariffs, all people NI under $100k

kvng_stunner

In the UK, every single immigrant on a student/work visa pays £1000 per year for health insurance. For citizens it's free. And everyone pays NI. But yeah clueless jokers like you come online and cry about shit you know nothing about.

rickyrichisrich

U F’ing NI❤️❤️GERS BUY DFLI AND MAKE MONEY

Maleficent-Baby4543

Root insurance is a way better insuretech than lmnd. & root trades at 1/3 the market cap. Root grows faster, has 2x+ higher revenue and will do 300m~ in NI next year. Meanwhile lmnd is losing 200m annually.  Would choose root over lmnd all day. 

rain168

NI!

Feisty-Bathroom-4904

Here’s some facts that explain why I’m long LDI. 85% of the CEOs compensation comes from shares/equity. He is paid in stock, he will sell stock. Rates are currently high and everyone is in agreement this is/about to be a recession. Housing market slowing. People need cash but selling isn’t possible, they refinance. Feb 2021 rates were 0%, LDI was $31-$20. Current NI is -$95m, 2021 NI was +$700m. Rate cuts begin tomorrow. New fed chair appointed in 6 months. Analysts already predict 16% revenue growth over next 3 years. Customers love the product. Here’s my thought: New fed chair takes office May and will bring about rate cut madness to align with those in charge. LDI $13-$15 June 2026

Creative-Cranberry47

ROOT is going to be better than ORCL. It is the most derisked 100X+  here's why: ROOT is significantly undervalued with a forward PE in the 4’s & a forward PEG less than .1. If ROOT 10X today, it would still be trading cheaper than its peers who trade at 1-3+ PEG ROOT is projected to do a billion+ in NI by 2029 end. at 6B rev & 1.5billion NI at a 40X multiple, that would put ROOT at a 60B mcap or $4000 PPS(45x). discount that to today’s value and that puts the current value at $2034+ here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, GSHD, Experian, Hyundai, First connect, etc. Should see growth from these partners later in the year going into 2026 \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 7k+ subagency partners and soon half of the agency market in a few yrs. Growth will be exponential on this part of the equation as the qts go along, with expectations of it adding billions in rev growth annually over the long run \- economy of scale kicking in as time goes on with a 75% CR long term due to ROOT's ai tech stack efficiency making them 2X more profit efficient than their legacy counterparts \-New products that would double rev growth due to cross-sell, increasing stickiness by 27% & customer pool by 33% due to bundling Buying ROOT is like buying PGR at 5 cents, a 5000X+ return except ROOT will grow exponentially faster due to AI, automation & the internet. ROOT to 2034+ 

DeeelosHarriedman

Hey, glad you liked it. :-) The sounds at 2:27 in that "Song of the Stars" video reminded me of the Goron theme (jump to 1:15): [https://www.youtube.com/watch?v=UP61I8hY9NI&t=75s](https://www.youtube.com/watch?v=UP61I8hY9NI&t=75s) GORO -> Goron. Hehe. Also there was some Lady Gaga tease about "Dead Dance," which is how I found the song in the first place.

Creative-Cranberry47

root for me: ROOT is the most derisked 100X+  here's why: ROOT is significantly undervalued with a forward PE in the 4’s & a forward PEG less than .1. If ROOT 10X today, it would still be trading cheaper than its peers who trade at 1-3+ PEG ROOT is projected to do a billion+ in NI by 2029 end. at 6B rev & 1.5billion NI at a 40X multiple, that would put ROOT at a 60B mcap or $4000 PPS(45x). discount that to today’s value and that puts the current value at $2034+ here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, GSHD, Experian, Hyundai, First connect, etc. Should see growth from these partners later in the year going into 2026 \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 7k+ subagency partners and soon half of the agency market in a few yrs. Growth will be exponential on this part of the equation as the qts go along, with expectations of it adding billions in rev growth annually over the long run \- economy of scale kicking in as time goes on with a 75% CR long term due to ROOT's ai tech stack efficiency making them 2X more profit efficient than their legacy counterparts \-New products that would double rev growth due to cross-sell, increasing stickiness by 27% & customer pool by 33% due to bundling Buying ROOT is like buying PGR at 5 cents, a 5000X+ return except ROOT will grow exponentially faster due to AI, automation & the internet. ROOT to 2034+ 

MBBOrBust-

THEY WERE NI

Creative-Cranberry47

ROOT is the most derisked 100X+  here's why: ROOT is significantly undervalued with a forward PE in the 4’s & a forward PEG less than .1. If ROOT 10X today, it would still be trading cheaper than its peers who trade at 1-3+ PEG ROOT is projected to do a billion+ in NI by 2029 end. at 6B rev & 1.5billion NI at a 40X multiple, that would put ROOT at a 60B mcap or $4000 PPS(45x). discount that to today’s value and that puts the current value at $2034+ here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, GSHD, Experian, Hyundai, First connect, etc. Should see growth from these partners later in the year going into 2026 \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 7k+ subagency partners and soon half of the agency market in a few yrs. Growth will be exponential on this part of the equation as the qts go along, with expectations of it adding billions in rev growth annually over the long run \- economy of scale kicking in as time goes on with a 75% CR long term due to ROOT's ai tech stack efficiency making them 2X more profit efficient than their legacy counterparts \-New products that would double rev growth due to cross-sell, increasing stickiness by 27% & customer pool by 33% due to bundling Buying ROOT is like buying PGR at 5 cents, a 5000X+ return except ROOT will grow exponentially faster due to AI, automation & the internet. ROOT to 2034+ 

Creative-Cranberry47

prefer ROOT since its in P&C and not in health insurance with regulatory caps.ROOT is the most derisked 100X+  here's why: ROOT is significantly undervalued with a forward PE in the 4’s & a forward PEG less than .1. If ROOT 10X today, it would still be trading cheaper than its peers who trade at 1-3+ PEG ROOT is projected to do a billion+ in NI by 2029 end. at 6B rev & 1.5billion NI at a 40X multiple, that would put ROOT at a 60B mcap or $4000 PPS(45x). discount that to today’s value and that puts the current value at $2034+ here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, GSHD, Experian, Hyundai, First connect, etc. Should see growth from these partners later in the year going into 2026 \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 7k+ subagency partners and soon half of the agency market in a few yrs. Growth will be exponential on this part of the equation as the qts go along, with expectations of it adding billions in rev growth annually over the long run \- economy of scale kicking in as time goes on with a 75% CR long term due to ROOT's ai tech stack efficiency making them 2X more profit efficient than their legacy counterparts \-New products that would double rev growth due to cross-sell, increasing stickiness by 27% & customer pool by 33% due to bundling Buying ROOT is like buying PGR at 5 cents, a 5000X+ return except ROOT will grow exponentially faster due to AI, automation & the internet. ROOT to 2034+ 

chintan_joey

Just leaving this here, ranking highest profit on top; invest accordingly. Alphabet Q2 2025 R: $96.4B NI: $28.2B; Q1 2025 R: $90.2B NI: $34.5B. Microsoft Q4 FY25 R: $76.4B NI: $27.3B; Q3 FY25 R: $69.9B NI: $23.3B. Nvidia Q2 FY26 R: $46.7B NI: $26.4B; Q1 FY26 R: $44.1B NI: $18.8B. Apple Q3 FY25 R: $94.OB NI: $23.4B; Q2 FY25 R: $95.4B NI: $23.6B. Meta Platforms Q2 2025 R: $47.5B NI: $18.3B; Q1 2025 R: $42.3B NI: $12.4B. Amazon Q2 2025 R: $167.7B NI: $18.2B; Q1 2025 R: $167.7B NI: $18.2B

ethereal3xp

I like to see their NI in the positive 1st.

Creative-Cranberry47

ROOT easily hands down. here's why: ROOT is significantly undervalued with a TTM PE in the 15’s & a forward PE in the 4’s and a forward PEG less than .1. If ROOT 10X today, it would still be trading cheaper than its peers who trade at 1-2+ PEG valuations.  ROOT is projected to do billions in NI by 2029 end. at 6B rev & 1.5billion NI at a 40X multiple, that would valuate ROOT at a 60B market cap or $4000 PPS(45x), which could be attained sooner than anyone could expect. here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, GSHD, Experian, Hyundai, Toyota, First connect, etc. Should see growth from these partners later in the year going into 2026 \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 7000 subagency partners and soon half of the agency market in a few years. Growth will be exponential on this part of the equation as the quarters go along, with expectations of it adding billions in rev growth annually over the long run \- economy of scale kicking in as time goes on with a 75% CR long term due to ROOT's ai tech stack efficiency making them 2X more profit efficient than their legacy counterparts \- New algorithm changes for H2 increasing LTV by 20%+ \-New products that would double rev growth due to cross-sell, increasing stickiness by 27% & customer pool by 33% due to bundling Buying ROOT is like buying PGR at 5 cents, a 5000X+ return except ROOT will grow exponentially faster due to AI, automation and the internet. ROOT to 2074+ long term.

AdCritical5383

Mah NI🅱️🅱️A 👆

Creative-Cranberry47

management did guide bullishly for q3. as for Carvana, ROOT does have over 20+ major partners, and now over 7000+ indpendent agency partners, so there is very little reliance on any sole partner. the warrant expense is a one time expense that is considered a non-cash expense. ROOT will report an EBITDA profit and even still maybe a NI profit after expensing that. It won't affect FCF or the balance sheet so ROOT still grows intrinsically

Creative-Cranberry47

ROOT targets safe drivers which allows them to reduce their loss ratios removing the risk in the underwriting. Thats a specific niche, but ROOT also goes all around for standard policies as well. Due to this niche, it allows ROOT to have better loss ratios, similarly to focus on specialty insurers. theres nothing wrong with comparing insurers in the same field especially where are minimal P&C insurers to choose from. the insuretechs that you have mentioned aren't even profitable, and thus have negative PEGs. evaluating an insurer based on P/B and ignoring NI, is pretty ignorant. if ROOT makes their entire book in less than 4 years, why would you continue to evaluate the name based on PB? RYAN does have a negative tangible 4B net equity.

Creative-Cranberry47

guidance was actually very bullish. management is usually incredibly conservative but during the earnings call they mentioned "moderate PIF growth", which is a much more aggressive stance than their previous earning calls, where they issue more conservative guidance. i don't think the new investors understood this. in addition, they did say they were going to expense a one time 15.5 non-cash expense that was related to warrants that doesn't impact EBITDA, FCF or the balance sheet in q3 but it will show up in NI. however, the business will continue to be growing intrinsically. if this is what the market is upset about, then that makes ROOT an incredibly strong buying opportunity.

UFuked

NI!

Creative-Cranberry47

LMND does half the revenue. will grow slower, and is losing 200m annually, meanwhile ROOT is on its way to making 100's of millions annually. by the time LMND makes meaningful profit, ROOT would be making billions in NI. not even close.

ThatHuman6

"people here feel they've paid into the system for a lifetime and as such have a right to the pension when it's their turn" Exactly yeh. By having the NI as seperate payment, people think they're contributing to their own pot and getting confused. It needs to be just built into income tax, and then people see it differently. Everybody understands dole money comes out of their income tax, but they don't see it as 'their' money to get back. if it's not means tested I don't think it has a chance of surving tbh. You can't pay 20%+ (predicted to go up to 27% in a few decades) of the population *£*11k per year for 30 odd years per person. It's an obscene amount of money. Even moving the employer contribution to 12% may not fix it if not means tested, the idea of moving to higher employer contributions in Aus was to reduce the number of people who get pensions.

Different_Level_7914

The problem is that many people here feel they've paid into the system for a lifetime and as such have a right to the pension when it's their turn. Remove the pension and they should have those NI contributions back sort of attitude. What doesn't help is that the average and median private pension pot provision the average person has saved is still woefully low and as it stands many wouldn't have any chance of a retirement without the state pension doing the heavy lifting. Even more so those that are in the 40-50 gap where they missed DB pensions and didnt benefit from auto enrollment until much later in life and paid in bare minimum so have tiny pots. Mix in with the majority of self employed workers haven't bothered with a pension either. It's a mixture of so many things and also financial literacy, talking to a guy at work today saying hes opted out of the pension scheme as he's heard everyone saying that it won't exist when he gets there and if it does will be when he's 70, he's not even understanding the difference between a private DC pension and the state pension thinking the work one was the same. Agreed culturally we need to change here, but also 8% (it's actually lower than that and closer to 5% on basic auto enrollment bare minimum when LEL taken into account) we need to be much more closer to the 12-15% range to enable people to have comfortable retirements 

ThatHuman6

The big difference with Australia is how the pension works. The equivalent of state pension isn’t something everybody pays into and gets, there’s no NI payments, it’s a benefit for only those that don’t have enough superannuation paid through the income taxes. This changes how the public see it. I notice in the UK means testing the pension is seen as a bad thing (people saying it would punish those who have worked hard and saved etc) whereas in Australia it’s kind of seen as a poor person thing if you’re getting pension. It’s basically the dole for old people. The richer people aren’t complaining they’re not getting it, they’re happy with their high tax free super balances. The UK somehow needs that same attitude shift otherwise the pension system going bankrupt.

trilogee

From TH: $65M Revs; est. $64.8M $16M AEBITDA; est. $15.1M $11M OI; est. $8.3M 51.1% GM; est. 50% ($6.4M) NI; est. ($9M) ($0.03) EPS; est. ($0.03) $7.3M OPCF $5M FCF ^ NI and EPS adjusted (accounting for discontinued ops) Repurchased 535,000 shares at a weighted average price of USD$0.29/sh. Retail revenue increased quarter-over-quarter across all markets. Pennsylvania revenue grew 6.9% quarter-over-quarter. Phillipsburg, New Jersey dispensary ranked #3 in the state in unit sales and #2 in revenue.

Creative-Cranberry47

welcome to the ROOT club! management has always guided conservatively so its not really anything new. the one time non cash expense will show up on the NI, but it won't affect FCF

Wide_Pomegranate_439

Have you ever been to the US or Canada? Even under Obama or Clinton? Yes, from that part of the world, the UK looks like the Soviet Union. State healthcare that you pay NI for but doesn't work, taxes are spent on generations spending their entire lives on benefits contributing nothing. All falling apart since about wrexit. The wrexit that was and still is supported by labour.

ethereal3xp

Negative NI But is still riding on hype due to minimal players in the space. I'm waiting for a dip..

itsnotshade

Apple NI in 2024: $93B Capex in 2024: $9.4B Yea this $600B total in pledged investments is straight bs but thankfully it was ball licker reporters in the oval office and not some analysts. My calls will be printing.

mrpuma2u

You have a souvenir. 

Broad-Inspector8905

100% agree. I will say, I stupidly created a small $BTBT position based off of Sam’s background. Plus the spin off of $WYFI is fascinating since they have a real business (no fat money contracts) but they do $100MM+ in NI yearly. Other than that, these treasuries do in fact stress me out.

TopPsychological4139

NI MA<GO> in Bloomberg terminal

Creative-Cranberry47

when shares are being acquired(in this case by Carvana), its completely different than shares being diluted to the open market. If Carvana exercises those warrants, they will hold onto those shares, without affecting whats available on the open market. so the supply stays the same. there will still be 2.5M shares available in the open market. the only direction is shares to Carvana, and 1.4B cash to ROOT. in fact, supply will be less if Carvana exercises the warrants as this will give ROOT 1.4B in cash, and it will attract the 600 hedgefunds that own carvana, on a frenzy to buy ROOT shares. there will not be enough shares to go around with only a 2.5M float(<300M worth). think about the buying power of those 600 hedgefunds collectively. also, it comes down to what ROOT will do with that cash. if they just buy corporate bonds at 5% yields, and at a 30X multiple, that will increase ROOT's perceive NI value by 2.1B. If ROOT decides to acquire another product with that cash, that will increase ROOT's auto product stickiness by 30%, and open the door to more customers who prefer to bundle by 35%, and it will more than double revenue growth via cross-sell. The warrants for ROOT will front-load growth attracting many more institutional buyers. people are getting the wrong idea as supply will decrease, and demand will increase significantly if the warrants get exercised, which will push ROOT to multiple levels higher.

DifferentEqual6976

Your Rev and NI numbers are off, but I get your point.

Creative-Cranberry47

ROOT insurance is a good deal. very overlooked in the market right now, and could make a run soon: ROOT is significantly undervalued with a forward PE of 7. If it 5X today, it will still be considered cheap. if it 10X today, it would still be cheaper than its competitor RYAN. ROOT is projected to do billions in NI by late 2020's-2030's. at 6B rev & 1.5billion NI at a 40X multiple, that would valuate ROOT at a 60B market cap or $4000 PPS(32x), which could be attained sooner than anyone could expect. here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now. \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, Experian, Hyundai, etc. Should see growth from these partners later in the year going into 2026. \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 10,000(first connect 5000+, Goosehead several thousand) projected subagency partners and soon half of the agency market in a few years. Growth will be exponential on this part of the equation as the quarters go along \- Acquisition of a new product that will increase stickiness of their auto product by 30%, increasing market by 37%, and doubling revenue growth via cross-sell from the 1.4B in cash from Carvana warrants. \- economy of scale kicking in as time goes on with a 75% CR long term making them 2-5X more profit efficient than their legacy counterparts ROOT to $2000+ long term.

Creative-Cranberry47

sounds just like ROOT insurance: ROOT is significantly undervalued with a forward PE of 7. If it 5X today, it will still be considered cheap. if it 10X today, it would still be cheaper than its competitor RYAN. ROOT is projected to do billions in NI by late 2020's-2030's. at 6B rev & 1.5billion NI at a 40X multiple, that would valuate ROOT at a 60B market cap or $4000 PPS(32x), which could be attained sooner than anyone could expect. here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now. \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, Experian, Hyundai, etc. Should see growth from these partners later in the year going into 2026. \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 10,000(first connect 5000+, Goosehead several thousand) projected subagency partners and soon half of the agency market in a few years. Growth will be exponential on this part of the equation as the quarters go along \- Acquisition of a new product that will increase stickiness of their auto product by 30%, increasing market by 37%, and doubling revenue growth via cross-sell from the 1.4B in cash from Carvana warrants. \- economy of scale kicking in as time goes on with a 75% CR long term making them 2-5X more profit efficient than their legacy counterparts ROOT to $2000+ long term.

Creative-Cranberry47

in short, CVNA is not just the AMZN of used & new cars. Its also a bank, lender, insurance broker via ROOT, and more. If CVNA actually held on to their subprime loans that yield 20-30%, instead of selling them, they would make billions in net income, making them worth a multiple of what it is trading today. the theory is that as each year go by, CVNA will have more and more capital to retain their subprime loans and collect NI from it. collectively over a long period, they'll act as a bank and earn 20-30% returns on their notes. at one point, they'll hold all their notes in house instead of selling them which will yield them billions in NI over the long term.

Creative-Cranberry47

actually there are multiple insurers with a 75% CR. i made a list a while back but KNSL for one has a 75% CR for the long term. you have to understand that ROOT isn't your ordinary insurer. It is doing things that no other insurer has done before, and thats underwriting risk correctly, and getting the best loss ratios from it. Secondly they are bringing down SGA expenses drastically due to their tech stack, ai and automation. No insurer is doing what ROOT is doing in terms of efficiency, and when you get that type of combination, you'll get results like a 75% CR in the long term. ROOT is doing everything better than Geico other than size. i only threw Geico in there to give you an idea, but ROOT will be more efficient than Geico. Geico overhired, and when you build the company from the bottom like ROOT, management can easily maintain efficiencies, without deadweights. When ROOT can cherry pick policies due to risk, thats where ROOT comes in very similar to specialty insurers who are putting forth 75% CRs. its not your typical auto insurer. What ROOT is doing is what TSLA did to the auto industry by removing the middleman and making it more profit efficient. it deserves a valuation multiple, just like how TSLA trades at 30X GM, F but yet has less revenue. No one is comparing TSLA to legacy automakers, when legacy automakers are slowly dying. thats also the exact reason why you shouldn't be comparing ROOT to legacy insurers who are losing customers/growing at single digits. ROOT will be 2-5X more profit efficient than their legacy counterparts, and should deserve a valuation multiple due to profit efficiency, growth, and tech. The perfect example is Tsla versus legacy automakers or even HOOD versus legacy brokerages. No insurer is going to do embedded insurance like how ROOT does it. Look at the list of partners that are lining up here. Legacy insurers can't build embedded platforms period. No other insurer is going to be able to cross-sell like how ROOT does it, significantly increasing LTV of customers & margins because of it. as for cross-selling, according to JD Power, if a policy is bundled, the customer will hold the policy for about 30% longer, and it opens the market up by another 37% for customers who only shop for bundled policies. Why that is important? thats because with the 1.4Bish cash that ROOT may receive from CVNA warrants, that could potentially be used to acquire another product front loading growth, and potentially doubling revenue growth. legacy insurers have nothing against ROOT. It will only take a small amount of PIF growth, to bring in strong NI. you're simply not bullish enough.

Prestigious_Yogurt88

They're not the same thing... NI pertains only to that specific time period. RE is like cumulative NI throughout the company's history. To be fair, share buybacks (which is a positive for shareholders) contributed significantly to the negative RE. Thing is, if you make that arguement you should also consider that the declining EPS is actually worse than it looks as that denominator has gotten smaller.

Hot_Panic2620

as someone who works in insurance analytics a few of your stats are misleading. >it was trading at 530.64 when it was losing 500M annually. now its on its way to making 100's of millions to soon billions in NI. if anything the move to where it is now, still hasn't taken into account of its unbelievable turn around. Just because it was overpriced at the IPO does not mean it has to get back to that price now because it's better off. Back then they had great growth but their CR was out of this world; they were ceeding a lot of premium to reinsurers in order to grow fast. Covid made them rethink (in a good way). Now they worked to rely much less on reinsurance, have raised rates quite a bit and now have a sub 100 CR. However, that comes at a loss of growth. Yes their 2024 growth was huge (I think they close to doubled their PIFs or something off the top of my head?) but you are conveniently leaving out that the year before that they literally cut their book of customers in half lol. So still a ways to go. That said, I was accumulating their stock heavily when it hovered around $10 for a long time but I stupidly sold when it jumped to the $50s thinking I could buy back in lower for a quick scalp before another move higher. Had to buy back in at $100 stupidly. They are still undervalued and I do love the management of the company making a great pivot from growth focus to profitability focus. I think we will see them back at IPO prices sooner rather than later, just don't expect the same growth as 2024; they stated multiple times in their quarterlies they are focused on responsible growth

Creative-Cranberry47

it was trading at 530.64 when it was losing 500M annually. now its on its way to making 100's of millions to soon billions in NI. if anything the move to where it is now, still hasn't taken into account of its unbelievable turn around. best in class loss ratio, superior pricing, and fastest growing insurer in 2024, and it beats #2 by a wide margin.

Dingo321916

Love the eu map without Norway - big cock and balls Sweden Finland - Although cant approve of NI being cut off from Ireland - A colonial abomination.

Fun_Slip_4350

Beeep bop boooooop NI-

thelastsubject123

\>They still make more money than MSFT and NVDA combined. MSFT: TTM 120B NI NVDA: 86B AAPL: 127B \>This is getting crazy. on that, we can agree

GneissGeoDude

I was already working in the industry when the Bre-X fallout triggered sweeping reforms. I was a young economic geologist pretty fresh off the M. Sc. And a short stint of mine site experience. As a result of the scandal there was the introduction of NI 43-101 and far stricter disclosure standards for publicly listed mining ventures. Requires 3rd party inspection and verification of your assays (go figure). It was a tectonic shift in how technical data had to be reported, and it fundamentally changed the way geologists and promoters communicated exploration results. A wild era that reshaped the industry’s credibility overnight. Also. Would like to note that the Filipino geologist representing Bre X, the one that was part of the largest mining scandal in history, died of suicide. We know it was suicide because the police had found slit wrists. The fact that he had fallen from an investor-heavy helicopter over the jungle of Indonesia was inconsequential to his death, it was a suicide, say the police. Haha that’s always my favorite part of the story. Police discovering a man dead from blunt force trauma and deceleration injuries. Who also just happens to have slit wrists and they just solemnly remove their hats, shake their heads. ‘Another helicopter jump wrist slit suicide. Shame’. Which of course reminds me of a horrible I joke I need to tell now. ‘What did the Alabama police chief call the black guy found DOA with 50 bullet wounds? The worst case of suicide he’s ever seen’. Sorry

AdCritical5383

# MAH NI🅱️🅱️A 

AdCritical5383

# I WHOLEHEARTEDLY CONCUR MAH NI🅱️🅱️A. 

PrecisionOutdoors

check out my analysis on KSS vs FL to make you even more bullish on KSS!! I tried to make a separate post but don't have the Karma?? Foot Locker being bought by Dicks Sporting Goods is big news this week so I thought I'd do a numbers comparison deep dive and see how our favorite ugly stepchild Kohls(KSS) compares to the beloved FootLocker(FL). https://preview.redd.it/glvst1jphn1f1.png?width=712&format=png&auto=webp&s=e8d201a960bf9e50c6cf77a3741dc3996baeae0b FL verse KSS Comps As you can see KSS is actually a MUCH better business than FL. How much better is up to you to decide but I know that we were using premium to book value as a rough gauge. If you look, KSS BV is real while FL's is has $1.123B in "intangibles" that takes it from a BV of $30+ to a tangible BV of \~$19. FL is being bought by Dicks for $2.4B. This comes out to ($2.4B/95M shares): \~$25.26/share(every publication says $24/share so I may be missing something). So if using tangible BV then Dicks is paying a 34.3% premium to tang BV. IF KSS sells for similar then **KSS should have a \~$46/share price tag** If using FCF/Price then FL is selling at 7x FCF, **KSS would be $4.536B value or $40.86/share** Using EBITDA: FL is 6.1xEBITDA; **KSS would be $7.57B or $68.20/share** Using Price/NI: FL is selling at an astonishing 200X... IF KSS is 200X NI then **$21.8B to $33.4B and a share price of $196.40 to $300.90** **GROSS MARGIN/Declining Sales:** I know someone is going to bring up KSS has worse prospects and declining sales than FL. In reality, when you look at numbers, not really. FL has declining sales last 3 years with TTM worse than 2020. GUESS WHAT?!? KSS is the same... Something KSS is MUCH better at is Gross Margins though. 2025 numbers KSS has a 40.4% GM, '24 39.9%, '23 36.7%(notice how KSS is improving??), while FL is 29%, '24 27.8%, and '23 32%(to be honest FL was all over when I was looking at them). **Summary:** I have already talked about this but Wall Street has a narrative that is 100% negative on KSS. Due to this, they have made it the ugly step child of the retail sector YET is better than alot of others and has a REAL BALANCE SHEET. Narratives matter and hopefully we can start changing the narrative on KSS. Looking at my numbers comparison KSS is DRAMATICALLY more solid and a better business the FL yet even before the buyout was selling for 75% more than KSS. Kohls is an excellent operator that is getting the snot beat out of it by the shorts. Let's change the narrative and SQUEEZE the shorts into capitulation! LET ME KNOW WHAT YOU THINK but MAN!! Every, single, time I deep dive something I get wayyyy more bullish!! \*\*Disclaimer: I cut grass and build stuff and my hobby is investing. I just happen to be pretty good at my hobby(*up 300% YTD and a CAGR of 47% for the last 6 years so far.. I am* pretty *proud of this track record LOL*). When I do these numbers my goal is to be close not 100% accurate. Discount some of what I say by 10%-50% and we still get to amazingly better than where we are currently. Take what you read with a grain of salt BUT I show my math and due diligence on purpose. I think Main Street is way smarter than we give ourselves credit for and that we give way too much deference to Wall Street/financial industry "experts". Luckily, I have been blessed to see just how wrong "experts" generally are.\*\*

WilliamBlack97AI

They raised capital at $1 and diluted shareholders. They now have 1.5m in cash + 2.2m in financing + several million from the exercise of warrants will give them a runway until mid-2026. Management said that SG&A/marketing expenses will decline significantly over the next few quarters until reaching EBITDA positivity in Q4 and an NI+ next year. The company aims to increase market share and scale in order to become a dominant player in its space within the next 5 years, rather than focusing on short-term profitability. Hope this helps, for more info visit airestech.com and investor presentation Thanks

maximuminimum

**BLACK MONDAY HIT HARD** **But this black don’t crack !!!** 🥭 tried to hit us with tariffs on the flavor molecules… said it’s too too cultural, too powerful The DOW dropping like snowbunny panties in a fat ni🅱️🅱️a’s penthouse THIS A FIRE SALE !!! THE BIG BODY KINGS IN THE MARKET LIKE BROKIES ON BLACK FRIDAY TRYNA COP A FLATSCREEN FAT NI🅱️🅱️A TREASURY checked the moonshot reserve… why don’t we just buy the whole damn thing?! Pulled up on that ni🅱️🅱️a Jerome at the federal reserve. Bought the debt and then we repossessed the country !!! New Tariffs? Yea we got em… 10% on unseased food, 40% on broke (ber) opinions. FULL embargo on skinny ni🅱️🅱️a’s with financial advice ❄️🐰: babe, am i gonna be ok? **SNOWBUNNIES EXEMPT. THEY GOOD.**

caellach88

“Trump tariffs: Ireland expected to be among hardest hit” All i see is a 20% tariff on NI and Ireland

HipHipM3

[https://youtu.be/XPYgtVHa8NI?si=gVOgJxjwoAt3b7Wp](https://youtu.be/XPYgtVHa8NI?si=gVOgJxjwoAt3b7Wp) Kanye West finally embraces his true nature, and finds love underwater. "Fishsticks" S13

Own_Capital_1395

Don't you know? A 70% drop in NI is apparently bullish

Gonewildonly12

Bro it never ceases to amaze me. Companies like Google can trade at 1/5 the valuation, grow revenues and net profit by 15% and be down after earnings. But this piece of shit stock can contract QoQ on all 3 lines of revenue, contract NI by 71% and the stock was up 5% today and 1% AH

maximuminimum

BLACK MONDAY HIT HARD But this black don’t crack !!! 🥭 tried to hit us with tariffs on the flavor molecules… said it’s too too cultural, too powerful The DOW dropping like snowbunny panties in a fat ni🅱️🅱️a’s penthouse THIS A FIRE SALE !!! THE BIG BODY KINGS IN THE MARKET LIKE BROKIES ON BLACK FRIDAY TRYNA COP A FLATSCREEN FAT NI🅱️🅱️A TREASURY checked the moonshot reserve… why don’t we just buy the whole damn thing?! Pulled up on that ni🅱️🅱️a Jerome at the federal reserve. Bought the debt and then we repossessed the country !!! New Tariffs? Yea we got em… 10% on unseased food, 40% on broke (ber) opinions. FULL embargo on skinny ni🅱️🅱️a’s with financial advice ❄️🐰: babe, am i gonna be ok? SNOWBUNNIES EXEMPT. THEY GOOD.

maximuminimum

**BLACK MONDAY HIT HARD** But this black don’t crack !!! 🥭 tried to hit us with tariffs on the flavor molecules… said it’s too too cultural, too powerful The DOW dropping like snowbunny panties in a fat ni🅱️🅱️a’s penthouse THIS A FIRE SALE !!! THE BIG BODY KINGS IN THE MARKET LIKE BROKIES ON BLACK FRIDAY TRYNA COP A FLATSCREEN FAT NI🅱️🅱️A TREASURY checked the moonshot reserve… why don’t we just buy the whole damn thing?! Pulled up on that ni🅱️🅱️a Jerome at the federal reserve. Bought the debt and then we repossessed the country !!! New Tariffs? Yea we got em… 10% on unseased food, 40% on broke (ber) opinions. FULL embargo on skinny ni🅱️🅱️a’s with financial advice ❄️🐰: babe, am i gonna be ok? **SNOWBUNNIES EXEMPT. THEY GOOD.**

Hot-You-7366

[https://www.reddit.com/r/investing/comments/1jxwkkr/comment/mmy030j/?%24deep\_link=true&correlation\_id=2993d43a-eefd-5d4b-acb9-bbe2d9e9fda2&ref=email\_comment\_reply&ref\_campaign=email\_comment\_reply&ref\_source=email&%243p=e\_as&\_branch\_match\_id=1440009620577668312&utm\_medium=Email+Amazon+SES&\_branch\_referrer=H4sIAAAAAAAAA31QXU%2FEIBD8Nb23tif0TGpyMUbj3yAUtoUrX1mo2Bd%2Fu1s9X03YMDvM7E4wpaT81PcIWtvSyZQ6Z8Pa8%2FTcsIGnKwiZTwQj2sUG6cSG7moOV8NfGvZOp9ba3f0qeiKQyoYPyMWGhTCxHkLJBB9un3VdD0ExIGKg8UHT7XaBQNM9FBO1KFFUaosRiuhiYyCH9%2FuZn2%2FHUk57L2zQAEkceRv%2BVnCDhj2qiAjuxyKsJp6NI9cDly3ArNuLHqZWqmlspwmYHmGctWTkQ5hJDF5aJ%2B55KVFy%2B%2B%2BbUNInaZfwryjHDRX8SU5fxAEifYKYMNYMeH01GD18A7iRAJ92AQAA](https://www.reddit.com/r/investing/comments/1jxwkkr/comment/mmy030j/?%24deep_link=true&correlation_id=2993d43a-eefd-5d4b-acb9-bbe2d9e9fda2&ref=email_comment_reply&ref_campaign=email_comment_reply&ref_source=email&%243p=e_as&_branch_match_id=1440009620577668312&utm_medium=Email+Amazon+SES&_branch_referrer=H4sIAAAAAAAAA31QXU%2FEIBD8Nb23tif0TGpyMUbj3yAUtoUrX1mo2Bd%2Fu1s9X03YMDvM7E4wpaT81PcIWtvSyZQ6Z8Pa8%2FTcsIGnKwiZTwQj2sUG6cSG7moOV8NfGvZOp9ba3f0qeiKQyoYPyMWGhTCxHkLJBB9un3VdD0ExIGKg8UHT7XaBQNM9FBO1KFFUaosRiuhiYyCH9%2FuZn2%2FHUk57L2zQAEkceRv%2BVnCDhj2qiAjuxyKsJp6NI9cDly3ArNuLHqZWqmlspwmYHmGctWTkQ5hJDF5aJ%2B55KVFy%2B%2B%2BbUNInaZfwryjHDRX8SU5fxAEifYKYMNYMeH01GD18A7iRAJ92AQAA)

MoneyPrinter135

I'm gonna go to China and say NI HAO to all the Chinese fine shyts, wish me luck 

djs383

We’re going to have to drill down on why NI is higher. Is NOI higher?

vermilli21

NI HAO motherfuckers

big_balls_doge

NI VIDIA 

adwise27

WTF is going on with the NI225

epadrome

That's NI HAO MEI GUO. You gotta learn faster.

All_Talk_Ai

My girlfriend is Irish. I had 2 addicts as parents and I’ve moved over 70 times between I was born and 17. So I guess I’m conditioned to not stay in a place for a long time. I’ve lived in Australia Alabania Greece and all over the US. Now I’m in NI You’ve confused my objective evaluation of the situation as me rooting for it. I wouldn’t say I want what I’m saying to happen im just saying what I think is prolly gonna happen. Huge difference Nothing is preventing you from reviewing world news. It’s just apparent you don’t know as much as you think you do. Your evaluation of people is off. Claude isn’t French. Claude is from Anthropic which is an American company. I love DeepSeek but it’s not original. They need models to distill from. They can’t create it themself yet. Also which LLM is best changes almost daily. Saying Claude is better than google right now is hilarious. Go check out r/claude even the fan boys are giving it to google. And before google Grok was best. Before that Claude was best. Before that OpenAI. Before that deepseek. All this has changed since January.

phata-phat

EU to route exports via NI to avoid tariff. McKinsey advising countries on tariff arbitrage.

totalstocker

I bought NI, STLD, NUE, WY, X, VMC, LPX, CNR, OC, CAL, UFPI

BraveSoul699

Everyone say it with me: NI HAO

thatkid1010101

NMAX pumping like a meme coin. Id buy puts if I could.. 10K from December 31 shows NI for 2024 at -71,000,000... At $160 a share its MC is $14B, there has to be a meme coin style rug coming [https://www.streetinsider.com/SEC+Filings/Form+10-K+Newsmax+Inc.+For%3A+Dec+31/24575800.html](https://www.streetinsider.com/SEC+Filings/Form+10-K+Newsmax+Inc.+For%3A+Dec+31/24575800.html)

GameOfThrownaws

I mean, are they? BTC doesn't look like it's particularly suffering, it's down like 1% on the day vs. the -4% of the NI225. Or are you talking about non-BTC crypto? I don't follow crypto crap at all so I might just be misinterpreting what you're saying.

AdCritical5383

# MAH NI🅱️🅱️A 

TheGuyColin

only dirty NI❌❌ers buy spgc and don’t buy gnpx!

TheGuyColin

i don’t like NI❌❌ers i don’t like you f off if you are and J❌ws

TheGuyColin

Fudge the NI❌❌ers

Unable_Radish_2925

I agree with this. It’s fantastical/delusional for Vance (also) and Trump to assume that European leaders won’t change strategy and their business links after all this attacks on them. The USA is further untrustworthy because this stuff about ‘lack of free speech’ in Europe (Vance said this but musk did it via UK media and twitter during our summer English riots) is well-known to be dog-whistling to our nationalist and racist chauvinist-types in England at least. (I don’t know much about Scotland, Wales and NI). It’s Putin’s playbook apparently. How can a Labour leader like Keir Starmer trust the US leaders who are lighting a fire under our far-right party (reform). It’s political suicide. My autocorrect wanted me to change Keir Starmer’s name to Kefir but I steered the course.

TonyAngelinoOFAH

They are opening another factory in NI.

jonneh

Buffet: Never bet against America… unless 🥭 is in office, in which case NI HAO BITCHES 🥡

mba23throwaway

Companies w heavy domestic manufacturing: CAT NB F Intel Tech stocks should be relatively fine. Don’t see an argument for why this should last Meta. Reduced R&D should lead to increased NI. We already see market doesn’t value the return on r&d (meta specific)

FantasticTalkingHead

NI

GeorgeWashinghton

Probably want to look at NI impact but revenue.

bambaraass

Don’t buy mining stocks until you read and understand the feasibility study or NI43-101 for that project. These junior resource corps are like meme-coiners but with office addresses in Vancouver or Toronto. Drill results can be amazing, but what is the rock chemistry, where and how big is the ore body, what is the mine plan, have third-parties verified drill and assay results, what is the political atmosphere in that mining jurisdiction, does the company have IBAs settled, do they have a competent project team… Any one of these risks and many others can tank the project and your money. If a junior is posting amazing drill results for awhile and there’s no market waft of a major buying them, something is fishy with that project. Mildly safer bets are with *actually* operating miners with decent upgrade and expansion plans. “Actually operating” means they have consistent production. Slightly less risky than that is pre-commissioned projects; with that, you’re looking at 6-18 months for production results.

LasyKuuga

4.4% projected to incease to 4.5% But the problem is Increased minimum wage and NI contributions coming soon

ripfritz

Or maybe I’ll do some research and pick a good junior w a resource they’re working on. I can read 😂 and make sure they have a good NI 43-101.

dingle__dogs

fcf is starting cash - ending cash. are you angry about the adjustments from NI to fcf?  why zero in on income from operations? you’re ignoring the benefits from the loss carryfwd and their equity investments? you should back out the equity value of their investments from their market cap if you want to calc p/e using operating income. and fyi no one cares about trailing, it’s forward pe that matters.  are you saying their margins are bad and thus a high valuation is unsupported? hard to tell when you’re so rabid, but I see you’re short the stock so it makes sense you’re big mad. 

AdCritical5383

#MASSIVE COPE MY NI🅱️🅱️A Historical precedent means much less in the era of machine learning. I agree we’re due for a fucking huge market period of doom, but who knows how and when it will happen given all the things that have changed. 0dte daily options alone may keep this market fucky for another 5 years.

Cowslayer87773

You're right, he's including the personal allowance which isn't how the brackets work. 50k is the higher rate threshold still but only 37.7 of that is taxed. It's also just anything above 50k that's 40%, it doesn't affect the whole amount. 12.5k - tax free 12.5-50k - 20% 50k-125k - 40% 125k+ - 45% For every £2 earnt above 100k you lose £1 of that tax free 12.5k NI is added on top (supposed to pay for healthcare and public services, all goes to the same fund (makes idiots think our income tax is lower by splitting it)): 12.5k - NI free 12.5k-50k - 8% 50k+ - 2% A nice simple tax system that everyone understands :)

GeorgeWashinghton

AMZN also has high r&d though, hence why their NI is so low.

richduck9

Type CAO NI MA if you loss money today time to learn some Chinese 

ListerineInMyPeehole

calls on NI HAO MA

Basedshark01

>1/3 of Ireland An American "Southern Ireland" to go along with the UK's NI would be hilarious

Spy300

Look at this 2030 projected silver defecit chart at t=677s from **bloomberg** https://m.youtube.com/watch?v=NI_Hp80M-wU&t=677s $SLV and physical silver 🚀🚀🚀 I literally can't add enough. 25% tarrifs gonna hit US supply (64% of us silver comes from Mexico and Canada). We're gonna see hyperinflation from tarrifs. We gonna get retail demand surging. Were gonna see the dollar purchasing power erode. And we get a built in supply deficit on top it all. This is basically a home run.

WilliamBlack97AI

$hiti nasdaq , With over 12% market share in Canada (15% next year), 23 mln in FCF+, 40 mln in cash, over 550 million in rapidly growing annual turnover, NI +, over 1.6 million loyal members to its cannacabanaclub and owner of the top 3 CBD companies globally, I consider High tide inc currently very undervalued.