Stocker-Man

My current long-term holding allocation with their current share price as of today: $TSLA 24% (397$) $SOFI 15% (18$) $AMD 15% (216$) $HIMS 10% (15$) $OSCR 9% (12$) $ZETA 7% (15$) $PLTR 6% (130$) $NBIS 5% (100$) $LMND 5% (50$) $PATH 4% (10$) I’m not selling a single share of any of these before 2031 unless my long-term thesis changes. I’m aiming for 4–10x by 2031 across this basket, with a couple names having real 10x+ upside.

@JackWei007 Long DUOL!

@TheStockerMan I love their business model and company vision and the 2 CEOs. I am quite confident they will do well.

$DUOL is one of the most interesting stocks I own right now because the market basically told you what it wants: keep squeezing monetization, keep margins high, and do not mess with the formula. And management basically said… no, we are going back for more user growth. That is why the stock got hit. $DUOL said 2026 bookings are expected to rise about 11%, below what investors were looking for, and said adjusted profit margin would come down as they expand AI features and marketing. They are taking features like Video Call with Lily and putting them in more accessible tiers, with the long-term goal of increasing engagement and user growth rather than maximizing near-term monetization. That is exactly the kind of decision that hurts a stock in the short run and can strengthen the business in the long run. I actually respect it. $DUOL is already at scale. The easier move would have been to keep milking the existing funnel. Instead, they are betting that making AI features cheaper, better, and more widely available creates a larger platform over time. That does not mean there is no risk… there is. Slower bookings growth is real. Margin pressure is real. But if they are right, this could be one of those periods people later look back on as the quarter where $DUOL chose platform expansion over near-term optics.

@StockInveztor I’m continuing to add. My avg is 115$ around.

@TheStockerMan I’m still buying every week.

@antibearthesis 🤝🤝🤝🤝

@TheStockerMan $sofi $nbis $hims $duol straight fire

I’m off work today, woke up early… not much news to dissect on the stocks I hold and I had nothing really planned, so I thought why not make a post for some names in my longterm account: $NBIS $ZETA $OSCR $HIMS $DUOL $LMND $PATH $SOFI Going to basically give my updated thoughts on each one… latest news, latest numbers, what caught my attention, what I like, what I don’t, and where I still see the longterm vision. Also wanna test something too… I’m probably gonna post them around the same time and by end of day I wanna see which top 3 got the most engagement. Really curious what people even follow me for at this point… which stocks do people care the most about seeing me post on. Btw, I also watched the new spider-man movie trailer… looks fire 😭🙏🏻

@Brandoncor7079 Haha love the conviction. I’m not 100% all in, but I do think the risk/reward here is getting really interesting.

@TheStockerMan I’m m all in 100% on path 😆

I keep coming back to the same thought on $PATH: the market still wants to frame this like AI is either going to help UiPath or kill UiPath, when the real answer may be that AI makes orchestration even more valuable. $PATH just reported Q4 revenue of 481M, up 14%, ARR of 1.853B, up 11%, 107% dollar-based net retention, 80M of GAAP operating income, and full-year GAAP profitability for the first time. They also authorized another 500M buyback after completing the prior 1B repurchase program. Then this week they announced a $MSFT collaboration tying UiPath automation into Microsoft Defender for Cloud, Sentinel, and Security Copilot to automate threat detection, enrichment, and response across enterprise workflows. This is exactly why I own the stock. Not because I think $PATH wins by building the best model. But because I think enterprises are going to need someone to connect models, automations, approvals, security, governance, and real business processes. The more tools companies adopt, the more orchestration matters. That is the core bet. The market still doubts whether $PATH becomes more important in the AI era or gets abstracted away. I think partnerships like this are slowly answering that question.

@TheGAOF @danieldines Fair, growth has to prove it. But this deal matters because it shows $MSFT is not trying to replace $PATH here… they are plugging it into the stack. To me that makes the orchestration angle more real, not less.

@TheStockerMan The only thing that's going to answer that question is whether or not they grow faster than the nothing burger management just forecast. Having an integration doesn't answer anything. So far @danieldines has destroyed 80%+ of shareholder value with no end in sight. $PATH

@ArranGray9 Agreed lol, but the market definitely treated it like one for a long time.

@TheStockerMan It was never a concept stock heh

$LMND is finally starting to look less like a concept stock and more like a business that is actually figuring out how to scale insurance the right way. Their latest update was loaded: $LMND ended 2025 with 1.24B of in-force premium, up 31% YoY, roughly 3 million customers, revenue up 53%, gross profit up 73%, and adjusted EBITDA loss improving 81% to just 5M in Q4. On top of that, management guided for about 32% IFP growth in 2026, revenue growth above 60%, and expects to turn positive adjusted EBITDA in Q4 2026. That matters because for a long time the bear case here was simple: cool story, but can they actually underwrite and scale? The numbers are starting to answer that. Then there is the $TSLA angle: $LMND launched autonomous car insurance for Tesla drivers, with self-driving miles priced at roughly 50% of the human-driven per-mile rate. I do not think Tesla alone is the thesis. But I do think it is a very important signal. It shows $LMND is trying to get early in areas where its AI-native structure, pricing engine, and data approach could matter more than legacy insurers. And now Wall Street is starting to notice too. Morgan Stanley just upgraded $LMND to Overweight from Equal Weight and raised its price target to $85 from $80, specifically pointing to the Tesla partnership as an important first step and a potential first-mover advantage in autonomous insurance. That is what makes this more interesting to me right now. You have improving core insurance metrics, a path toward EBITDA profitability, and now a major analyst upgrade basically saying this company could be earlier than people think in a whole new insurance category. The stock is still volatile because insurance always is, and one bad cat year or one underwriting wobble can distort sentiment fast. But if car improves, loss ratios keep trending the right way, and profitability shows up next year, I think the market will start viewing $LMND very differently.

@Zukaru190 Exactly. That is the part many people still miss. If growth stays strong while fixed costs stay relatively controlled, the operating leverage can start showing up fast.

@TheStockerMan Good take. Its Important to understand, that they have a nearly 50% GrossLossRatio which means Almost 50% grossmargin. Every new Dollar coming in, boosts the Bottom line and they are still accelerating growth and fixed Costs staying near flat. $lmnd

@SignalFactory Yep, that is the short-term setup. Price traders care about levels, I care that the business underneath is finally starting to support them too.

@TheStockerMan Crowd data suggests the story is improving, but traders care about price. LMND is basing near $55 with relative strength. Key trigger ~ $56.83; if momentum builds, eyes turn to ~$60.5. Setup holds while $52.8-$50 support stays intact

@david_np24766 Exactly. Founder-led teams are usually willing to take the hit now if it means building a much stronger business 3–5 years out. Market hates that in the short term, long-term investors usually don’t.

@TheStockerMan That's why founders are the best, they see far ahead instead of being quarterly driven by end year bonuses.

@antibearthesis Same here… although added a position at 115$ around. Painful drawdown, but my long-term thesis did not change. I’d rather hold through temporary sentiment damage than sell a platform I still think compounds for years.

@TheStockerMan im holding on for the long term down 70%

@Investinc_Intel Exactly and that is what makes the runway so interesting to me. Only 24% of the Fortune 500 plus international still being early means they have both expansion within customers and expansion across customers left.

@TheStockerMan The focus is on obtaining more wallet share but would about the fact they are just working with 24% of Fortune 500 and just now going global.

$ZETA is one of those stocks where the story keeps getting better, but the market still has not really priced it like a serious longterm winner. They just delivered their 18th straight beat-and-raise quarter, with Q4 revenue of 395M, up 25% YoY, full-year revenue of 1.305B, up 30%, free cash flow of 165M, up 78%, and they guided 2026 revenue to roughly 1.75B while also calling for positive GAAP net income. They finished 2025 with 184 super-scaled customers, up 24% YoY. Those are customers doing at least 1M of trailing-twelve-month revenue with $ZETA. The company also defines “scaled customers” as those doing at least 100K annually. What I really like is that this is not just a customer count story… spend per customer is rising too. $ZETA scaled customer ARPU reached about 625K in 4Q25, and the company’s chart shows super-scaled customer ARPU growth of 8% YoY in 4Q25 as well. That tells me existing customers are leaning in more, not less. That is what makes the setup interesting to me. A lot of companies can add customers. Fewer can add bigger customers and keep increasing wallet share over time. $ZETA also called out 19 consecutive quarters of sequential scaled customer expansion, which is exactly the kind of consistency I want to see in a longterm compounder. What really caught my attention though is the Athena piece. In January, $ZETA collaboration with OpenAI was not some random press release. They explicitly said OpenAI models will power the next phase of Athena, that early demand was strong enough to expand beta access, and that Athena is meant to move marketers from questions to actions inside workflows. That is the part I care about. If Athena actually becomes the operating layer on top of $ZETA data and marketing stack, then this starts looking like more than adtech. It starts looking like a scaled software platform with real AI leverage, real enterprise use cases, and improving profitability at the same time. That mix is rare.

@pepe_maltese Yep. Demand is showing up way faster than the market expected, and installed capacity is becoming the bottleneck. That’s why I think people looking at $NBIS like a normal infra name are missing it.

@TheStockerMan demand is arriving faster than installed capacity can absorb it

$NBIS is starting to look like one of the clearest real-time examples of what happens when AI demand becomes too big for existing infrastructure to handle. In the last week alone, $NBIS got a 2B investment from $NVDA, signed a deal with Meta worth up to 27B over 5 years, and then moved to raise 3.75B through converts to fund more capacity. This is what a company looks like when demand is pulling harder than existing infrastructure can support. Yes, the market sees financing and gets scared. I see that too. But I also see a company that ended 2025 at a 1.25B annualized revenue run rate, is targeting 7B-9B by the end of 2026, and is now backed by both hyperscaler demand and $NVDA capital. The risk is obvious: huge capex, heavy dependence on execution, and a business that is still scaling fast enough to look messy quarter to quarter. But that is exactly why I think people are still underestimating it. $NBIS is not being built for a normal cloud cycle. It is being built for an AI compute shortage world, and those assets are becoming more strategic by the month.

@NetWorthNotes 🤝

@TheStockerMan And then it will soar!

$OSCR is a stock where I think you have to separate the one-year noise from the bigger business build. 2025 looked ugly on the surface because $OSCR medical loss ratio rose to 87.4% from 81.7%, and the company swung from 57.3M of earnings from operations in 2024 to a 396.4M operating loss in 2025. That is exactly the kind of result that scares people out of the name. But then you look at what management is guiding for in 2026: 18.7B-19.0B of total revenue, an 82.4%-83.4% medical loss ratio, and 250M-$450M of earnings from operations. That is a massive expected turn. To me, that is the real debate with $OSCR right now. Do you believe 2025 was the sign that the model is broken, or do you believe it was a painful reset year inside a business that is still scaling and can earn real money when utilization and risk adjustment normalize? I lean toward the second camp. The market still treats $OSCR like it is just another volatile insurtech… but if they actually deliver that 2026 setup, this starts looking much more like a maturing healthcare platform with serious earnings power than people want to give it credit for. At around $13 right now, I honestly think the market is just waiting to see if $OSCR can actually hit that 2026 guidance. If they do, I think this stock runs.

@NetWorthNotes If they meet their 2026 guidance… The re-rate will happen.

@TheStockerMan $OSCR is an industry leader in a sector at its lowest point. Love the buy right now!

$SOFI is one of those names where I honestly think the market still has not fully adjusted to what the business has become… especially down 40% last 6 months when the business continues to execute. This is no longer just a student loan refinance app with a nice brand. In Q4, $SOFI did 1.025B of GAAP net revenue, about 1.013B of adjusted net revenue, 174M of net income, 318M of adjusted EBITDA, and grew to 13.7M members and 20.2M products. Fee-based revenue rose 53%, and management guided 2026 to about 4.655B of adjusted net revenue, 1.6B of adjusted EBITDA, and roughly 825M of adjusted net income. Then this week you get the Muddy Waters short report, the company aggressively pushing back on it, and Anthony Noto buying another 28,900 shares around $17.32. Whether you agree with every single rebuttal or not, that insider buy matters to me. When a CEO keeps stepping in with his own money while the company is compounding members, products, and profitability, I pay attention. The bear case is still there: credit concerns and complexity. But the numbers keep looking more like a scaled financial platform and less like a speculative fintech story. That is why I still think the long-term re-rating is not done.

$HIMS is one of those names where people keep trying to box the story into one single debate, when the business itself keeps getting broader and stronger. The latest results were still very strong: 2025 revenue of about 2.35B, up 59%, net income of 128M, adjusted EBITDA of 318M, and subscribers above 2.5M. For 2026, management guided to 2.7B-2.9B of revenue and 300M-375M of adjusted EBITDA. The stock saw some pushback because first-quarter guidance was a bit lighter than what some wanted, and because the market still had two big concerns hanging over the story: First, whether the GLP-1 opportunity would face more pressure from regulation and compounding scrutiny… and second, whether $HIMS could keep the weight loss category strong if branded supply and partnerships did not come through. That is exactly why the new $NVO partnership matters so much to me. $HIMS announced on March 9, 2026 that it entered an agreement with $NVO to bring Ozempic and Wegovy products onto the platform later in the month, while $NVO separately said it was expanding U.S. patient access to FDA-approved semaglutide medicines through Hims & Hers in response to $HIMS shifting its U.S. GLP-1 business model. That weakens both major concerns at once. It helps reduce the fear that $HIMS gets boxed out or disrupted in weight loss, and it also reduces the fear that the whole story was too dependent on the more controversial compounding angle. A direct relationship with $NVO gives the platform more legitimacy, more product access, and a much stronger answer to people who thought branded drug makers would only work against $HIMS instead of with them. And that is the bigger point for me. $HIMS is no longer just a one-product trade and now it is even less fair to treat it like one. It has built real scale, real brand awareness, and a broader consumer health platform across weight loss, mental health, dermatology, sexual health, and primary care with peptides coming soon. The company is still investing for a much larger longterm outcome, which is why near-term margin swings and quarterly noise will keep happening. But when you combine this level of growth with a real $NVO partnership, I think the longterm thesis actually gets stronger, not weaker.