ROOT

sunmbitch

ROOT leaps

Apprehensive-Dig8347

It looks like cvna's q2 earnings report may have been pumped by ROOT last quarter too, but ROOT has taken a huge fall this quarter despite earnings being beat - this could potentially feed into a bad q3 earnings report for cvna, right?

WOTEugene

Yea I’m probably gonna get back in after a week or two depending on how things go with this position. I have some calls on ROOT in another account for 3 and 6 months out.

Sashamirae17

That’s pretty intriguing, if he’s serious about replicating Buffett’s playbook, a P&C insurer does seem like the most logical move. The ability to reinvest underwriting float is what made Berkshire’s model so powerful, and Ackman definitely seems like the type who would want that compounding engine. I doubt he’d go near LMND or HIPO given their profitability issues, and health/life insurance feels off the table for the reasons you mentioned (capital intensity and his past criticism of UNH). ROOT could be interesting if he sees a turnaround path, but it’s risky and doesn’t really fit the “steady float + reinvestment” model yet. Honestly wouldn’t be surprised if he goes after a smaller, boring but profitable P&C player under the radar and tries to scale it up over time

Spare-Phone-2531

To answer your question -- I went to CHATGPT, I'm also a bag holder in LMND as disclaimer. I been following LMND for a long time and find their method to reducing expenses is a lot better than ROOT and also they sell direct to consumer meaning 15% discount to consumers or 15% increase revenue for LMND however you want to view it. https://preview.redd.it/fzrfroszjmpf1.png?width=779&format=png&auto=webp&s=9f7c0ced090c1a8b792d8f1206d97f7ed57894c5

ldmonko

why are you trying this on LMND, while ROOT has much better chance to go up. It is profitable, it is half the market cap , it is 1/10th the float of this. Why do you like this then ROOT ? curious

Fickle-Wrongdoer-776

Why are you so confident for ROOT?

djskeets15

Yea almost $60 nowadays haha as for ROOT you think it will reach its 52 week highs again anytime soon? I believe $160ish, it's nearly 2x from current levels

WOTEugene

It's a comparable to LMND... LMND has done well after doing their tech investments... I think ROOT will do similar. Currently valued at much lower multiple, and took a recent hit because they're investing more in AI / tech and spending more on cap-x than expected. I think it's a good investment and will eventually create shareholder value.

djskeets15

What's your thesis in ROOT? I saw it's a pretty big position you got.

Right_Traffic_4821

All the usual stuff. GOOG UNH LDI OPEN NVDA ROOT SPY

WOTEugene

You can see the closing trades in the history… sold it about 220 then got into ROOT and OPEN… recently sold open 50% of open after it 4x’d from 2.50 to 10 and opened other stuff

Creative-Cranberry47

you need to look further than just the AI underwriting, & telematics. Although impressive, due to superior pricing and loss ratios, ROOT is doing much more incredible things elsewhere. ROOT built the FIRST embedded platform with a used car dealer and insurer. ROOT built the FIRST completely customizable embedded platform with an IA ROOT will soon build the first and ONLY exclusive embedded platform with an OEM(hyundai) & Insurer ROOT grew 3x YoY in the partnership channel, and now has over 20+ major partners strong. The auto insurance market is a 500b TAM, and two channels dominate the TAM, which is embedded & IAs. 55% of policies come from these two channels and ROOT's moat in embedded & IAs is allowing them to become a future leader in the space ROOT is dominating the IA channel due to their tailored platforms, better pricing, QTI in mins vs legacy that takes hours to days, digital first, where ROOTs platform is faster and more efficient. IAs are flocking to work with ROOT, and legacy doesn't have an answer to it. i can go on and on, but the more you know about ROOT, the more you realize why ROOT is going to be the #1 carrier.

Creative-Cranberry47

some of them uses OBD devices, but root goes through completely off the app. the other thing is, even if a competitor is collecting data via driving, its another thing to figure out to analyze that data using AI. I.E, how they drive at night, weather, or how quickly they brake, etc. Also, some cars drive differently. there are so many variables if you really think it through, and based on those variables, how is risk calculated? Just tracking driving doesn't really mean legacy got their underwriting down. Its proof in the pudding where ROOT has superior pricing and loss ratios.

Creative-Cranberry47

roots partnership channel does not utilize telematics, which has tripled in growth 3x YoY. ROOT has a hybrid strategy. though back to the point, that it doesn't matter because the apps on the phone are already tracking your daily moves.

MediocreAd7175

If you want to get into the insurtech space, check HIPO and ROOT. They’re actually profitable.

MediocreAd7175

Why ROOT but no HIPO or LMND?

djskeets15

10x bagger would make this a $42B company, even though currently it's still unprofitable, id recommend it's competitor ROOT, it's actually profitable and recently took a pummeling but it's recovering fast.

Maximum_View_9710

Im going with ROOT instead

Soossaaaa

Can someone explain whether aping into ROOT is the move

InverseMySuggestions

Needa find a stock like where $ROOT was at in ‘22

sunmbitch

ROOT is gonna pop to $130 soon. idk if i wanna take a gamble tho

Creative-Cranberry47

to be fair, he didn't even mention ROOT..

Stock_Two5985

QS, ACHR, would be my first two picks. Maybe ASTS, WULF, ROOT, AMZN, UNH, ENB, GLD as secondary ones

Proximus84

Psyops to pump ROOT.

StableBread

Can see why you think that lol but I only have handful of stocks and ROOT is one of them.

StableBread

funny you say this because I have a position in $ROOT

Creative-Cranberry47

Love it. this was great. Thanks for sharing. $ROOT comes up to mind here. **Industry-** IT ✔️ **Size**\- 1.5B ✔️ **Moat-** Leader in auto insurance metrics & dominating the two main channels that make up over 55% of auto insurance- embedded & IAs ✔️ **Growth-** ROOT will do 50%+ CAGR in 2026 **Reinvestment durability** \- Insurance stocks infinitely stack with inflation. Goes up during recessions & compounds growth as earnings are reinvested **Founder led-** ROOT is founder led with 12% owned by insiders **Discounted near lows-** ROOT is trading at 82% discount from 52 week high & nearly 55% discounted from 52 week high.

Creative-Cranberry47

not really a negative tangible equity investor. RILY is unprofitable & has negative 1b in net tangible equity. i get they have made asset sales but there balance sheet still isn't healthy. it would have to be something really enticing for me to ever take take the risk to purchase something with a balance sheet like that. the risk/reward here isn't really here. if you really want to talk about good risk/reward, i would look into ROOT. 1.5B mcap. beats legacy key metrics all around but trades 1/100 the size of progressive. potential upside at 100-1000x.

PushAble2463

Who else are in ROOT here?

innocuous_gorilla

Only 500 ROOT shares? Not nearly enough!!

WhaleSmacker17

Loving my highly diversified portfolio of various OTM calls on RZLV, ROOT and OPEN

innocuous_gorilla

Holy green dildo ROOT !!!

creemeeseason

Long time KNSL owner.... we're entering a soft market for insurance and I expect a few years of mediocre to poor performance out of KNSL. Management has commented that they are seeing a lot of price competition (probably due to poor risk management by competitors). We're probably a big risk event away from good performance out of P&C names. We need to knock a few names out of the game. On top of that, lower rates actually hurt insurance as they earn less money on their float. That said, I haven't sold anything. I think the company is stellar and will be a long term winner. I'm just not eager to add to it for awhile. There are a few small names that are becoming extremely cheap though. ACIC is a name out of Florida that is really highly regarded among insurance people. KINS is one out of NYC that has almost no following due to its size. I like KINS more because NYC has been exited by a number of large players and KINS is sucking up market share in the resulting vacuum. Meanwhile the stock has been sold off with the broad sector as the company puts up 20%+ earnings growth. In lieu of PGR I've actually been buying ROOT. Much longer runway and some short term earnings occurrences have masked great growth by the company. The stock is starting to find some traction too. I bought a ton near $90.

creemeeseason

I bought it in the low $90s. There's actually some really good write ups on Substack and X about the name. Value degens and growth chasers are both showing interest in the company. For your questions: 1) people already let their phone track them endlessly. They don't care. 2) possibly. ROOT has a first mover advantage in that they have the most data, but other companies are playing catch up. It's possible ROOT just gets bought by a bigger player.

Halberd96

Anyone following ROOT? It's a car insurance company that uses telematics to track your driving behaviour to tailor personalized insurance rates. I guess what I'm wondering/trying to research is 1. Will people get on board/be comfortable or incentivized to use this kind of technology and 2. How big is the moat, where are other car insurance companies at in terms of doing the same telematics I've seen some stirring as well on this stock on subs like WSB, I think it could be a "meme hype" stock for better or worse but I like the idea behind it.

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+ 

Alwaysfavoriteasian

Judging by the number of ROOT posts. I think it's more than half.

Creative-Cranberry47

idk. seems expensive right now. UNH has a forward PEG of 4.45. versus ROOT with forward P/E in the 5's, and with growth levers hit, it will grow at 50%+ CAGR, or a forward PEG of .1. ROOT would need to 44X in size to have the same PEG values as UNH. Let that sink in. Plus ROOT doesn't have to deal with healthcare cuts, regulatory caps of 80%, keeping UNH margins tight at <5%, which means one ROOT policy would equal multiple UNH policies.

Creative-Cranberry47

ROOT i feel like doesn't get enough love, because its a "small cap", but in the reality its beating legacy insurers left and right on key metrics all around. its a pretty easy 100x-1000x+ play in the long term, and still only trades at 1/100 the size of progressive.

OptionsHuduga

ROOT

douche100

ROOT way overdue.

Creative-Cranberry47

ROOT has incredible call premiums. solid long term stock either way. i wouldn't recommend covered calls, cause you'll lose your shares, but just to give you an idea to work on

OptionsHuduga

ROOT

broke_person

$ROOT still going up AH. Get it girl

PushAble2463

Anyone know why my ROOT is up nicely today? Just bought it cos of some guy’s DD made with AI 🤠 Up 12 % already

StraightAmount

ROOT

JohnnyGoSka

Haha literally me today with ROOT

fungoodtrade

HOOD has been great the last few weeks I cashed out my 95s and 93s and sold more 105s today. Other than that... I sell CCs and CSPs on SOFI as well. I think I sold a ROOT CSP. AMZN is decent in my mind as well and has nowhere to go but up for now. GOOG could be good just depends on the premium. OSCR is in play as well.

WhaleSmacker17

Up $16K today on ROOT and holding because I'm a ROOTarded pig

Dude_HaHa

Scam ROOT gone up without any cause.

broke_person

ROOT my ass saved me today

ctrlaltdeadlift

Waiting for $ROOT to flip $LMND

WhaleSmacker17

ROOT going up bigly today

Holiday_Fact_2830

ROOT rangers are winning big

creemeeseason

Sold on this rip. I know there's more upside, but I wanted to add to some higher conviction positions that were down. Bought CAAP, KFS, and ROOT.

Good_Potato_2317

I actually think ROOT could be this weeks winner. Might go balls deep there. What do you think?

innocuous_gorilla

ROOT ROOT ROOT ROOT!!! Here we go

innocuous_gorilla

ROOT!!! Next up 100

broke_person

ROOT my booty hole +2.30% overnight. Yaasss queen

exponential-248

ROOT

Creative-Cranberry47

thought you were going to say ROOT

Creative-Cranberry47

for one, you're going to need to start investing in more high flyer assets that would return 50%+ annually or so. $ROOT insurance is a good one where it will more than reach your 10X goal by 50 YO. your income, although steady, isn't going to push you from 10m to 100M. you either value the steadiness or you start building toward your 100m goal. you're going to have to get out of your comfort zone, and start building a business, or investing on better asset returns. Investing in existing business can be more time intensive since you sometimes end up being the operator or you'll end up having to hire the right manager that will eat into current profits. If you can't scale, you're spreading your time with multiple businesses. Investing in RE to 100M requires a ton of doors. this will also be time intensive as well. that really just leaves you with building up a tech startup or investing in 10X-100X possibilities

Creative-Cranberry47

ROOT is taking over auto insurance in major channels in IA's & embedded which will make up over 55% of the market by 2030. buy and hold the leader & innovator.

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+ 

innocuous_gorilla

Thanks for a good day ROOT. Would love to see you put together back to back good days.

Good_Potato_2317

is ROOT actually going up now?

Fuhnancial

Even the ROOT people are winning LOL

WhaleSmacker17

I love OPEN and ROOT and they love me

innocuous_gorilla

Look at my boy ROOT go!

innocuous_gorilla

ROOT has this massive sell wall at $90 the past few days.  It’s going to fly to the next sell wall at $91 when it finally breaks through. 

Low_Thought_8633

$HOOD, $NBIS, $CAVA and if you are into more risk/reward, checkout $ROOT and $TSSI monthly’s on red days.

creemeeseason

In addition to trucking, which has been beaten down due to a two year freight recession (depression?)... insurance has been getting killed as well in anticipation of lower rates and a soft market. Has anyone looked at or have experience with ROOT? In the early stages of researching it, but it looks cheap if they execute well.

ImSorryReddit0590

the ROOT regards have been awfully quiet lately

Creative-Cranberry47

seems like ROOT will fit right into this growth list. ROOT could do 50%+ CAGR in 2026 when growth levers are hit

Creative-Cranberry47

PRCH sacrificed growth for profits. Love the product but growth has capped. i would rather own ROOT insurance. cheaper mcap 2.1B Vs ROOT 1.4B. ROOT does more than triple the sales, on its way to making 100's of millions of dollars, and could hit 50% CAGR in 2026 when growth levers are hit. meanwhile Prch is capped all around.

Creative-Cranberry47

whats so confusing about inflation? 45 years from now, if the largest company(NVDA) grows at 124X in size, thats a 533 trillion company. there will be trillion dollar insurance companies left and right. the reality is that ROOT in its first 10 years grew at a faster pace than any of their legacy cohorts. The early trajectory is extremely promising in terms of where ROOT is headed. Progressive grew as they had a niche targeting bad drivers for auto insurance. ROOT niche is targeting good drivers, and removing risk off the books via AI & telematics. If ROOT continues at this pace, they'll outgrow their legacy counterparts and become the #1 auto carrier, and then tap into the 9T global insurance TAM that is set to more than double in size by 2032. theres a lot of synergy in buying both geico & progressive for pennies of the dollar. you have to understand that investing in P&C insurance has a compounding effect. customers grow, and earnings are reinvested into income producing assets. Its an infinite stack. long term investors like warren buffett understands this, and that is why so many of the greats lean toward boring sectors like insurance.

Creative-Cranberry47

inflation. there were no trillion dollar companies in 1980. also, what ROOT has grown into in 10 years of time, no legacy insurer can replicate. their growth pales in comparison to ROOT. the ROOT takeover is coming, and those who actually understand, will be able to set themselves up for life.

Coldhartbaby111

How is ROOT like buying Progressive at 5 cents? It’s definetely not a 5000x return. Progressives MC is only 100x that of Root’s

No_Car8693

!banbet ROOT 80 18D

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+ 

Creative-Cranberry47

UNH trades at a forward PEG of 3.35. its hardly cheap if you consider it in comparison to ROOT. ROOT has a forward PE in the 4's and a forward PEG at .1. ROOT could 10X today and still be cheaper than UNH. Also, ROOT operates in P&C insurance which doesn't have LR restrictions like health insurance. health insurance caps MLR at 80%. in absolute profit one ROOT policy could equal multiple UNH policies as a result of better potential margins. ROOT's tech stack will ultimately allow ROOT to have a 75% CR in the long term. despite ROOT beating legacy insurers on key metrics all around, it still only trades at a 1.4B mcap. much better bet IMO

Oreo_Hero

here’s 3 stocks you could put this money in that are sure-fire investments and would possibly double your money 1) IXHL 2) ROOT 3) BULL

WetLumpyDough

Could just buy ROOT and make a quick 50% proffy off shares

innocuous_gorilla

I need less diversification and more ROOT apparently.

WhaleSmacker17

Shh dont tell them about ROOT yet, I want to buy more calls first.

innocuous_gorilla

$ROOT my only stock green today

AlejoV1553

ROOT? Seems oversold, good entry point rn, just based on the chart though, idk a shit about the company lol

innocuous_gorilla

Loving this ROOT dildo

innocuous_gorilla

ROOT dildo!!

StraightAmount

gonna increase in ROOT 🚗🚀

Cormano_Wild_219

Bonus fuck you to the ROOT pumpers too

innocuous_gorilla

$ROOT absolutely blows through every $1.00 interval regardless of direction. Just blew up past $92.00

leakybiscuit

ROOT ripping

innocuous_gorilla

ROOT forming the super bullish ascending triangle formation!

Grindr_Master

$ROOT my asshole. I have a hemorrhoid

minedigger

No one is falling for the ROOT pump and dump scheme these jackasses are trying to pull are they? Strongly considering puts.

illegitimatejoseph

That strategy works very well I do same thing on ROOT CRI RKT FMC if stock goes down sell lower strike puts on same exp if assigned can sell cc does well on good stocks at lows.

PaperHandsTheDip

What happened to ROOT? People stop pumping it???