Tim Bixby

@stock_unlock IPO price was $29.00.

$LMND has 7x revenue since IPO Share price down 10% since then

Many insurers are issuing AI press releases. It's all very exciting. So at @lemonade_inc we built an AI BS detector: three KPIs, public data, no spin. It won't boost our popularity. It might boost your returns. lemonade.com/blog/why-incum…

Meet the @Lemonade_Inc Timeline - One of our secret weapons, kept under covers… until now. We started working on its foundations 10 years ago, before we wrote a single line of insurance code, and it has since become a core component of our Bionics Platform and Blender. 🧵>>

We’re starting to roll out direct integration with @Tesla vehicles, removing the need for a UBI device in our Pay Per Mile product. This makes activating Lemonade Car on Teslas effortless and lets us cut hardware and shipping costs, helping lower prices for Tesla drivers even further. Tesla's API also provides richer and more accurate driving behavior data than traditional UBI devices, enabling us to offer better rewards and discounts for safe driving and FSD usage.

At Dartmouth, a green shoot in the higher-ed desert washingtonpost.com/opinions/2025/…

@BillAckman Might be a nice framework for US congressional political representation that would eliminate gerrymandering nonsense.

Interesting read on land and the cost of housing.

Lemonade Announces Successful Renewal of Reinsurance Program - businesswire.com/news/home/2025…

@nickdeckerlikes @Veganhippo21 @Ironic_Ape @psterky @PaperBagInvest @Neil_X10 @bjmtweets @daschreiber It's industry standard for local regulatory reasons.

@Veganhippo21 @Ironic_Ape @psterky @PaperBagInvest @Neil_X10 @bjmtweets @daschreiber Anyone know why it says “home state county mutual insurance company”? It looks like $LMND is acting as simply a retail interface. That’s a concern if so

What are $LMND bears betting against at this point?

@xiashan3 Totally agree, but tbh I kind of like having lots of students from around the world here....

@tebixby There is something more important than money.

If we send just the Chinese students home, that's about $14b we pull out of our secondary education system annually. Someone needs to fill that gap. And that's a trade surplus btw.

(college/university rather)

The federal government doesn’t ‘give’ money to Harvard. The $2.2 billion in frozen payments isn’t for Harvard sophomores’ tuition or library books. The US government is buying services from Harvard: scientific & medical research & development. These aren’t ‘woke donations.’ They are contracts. Proposed, reviewed, awarded, with metrics and deadlines and standards of performance. Harvard is a government contractor in that sense — lab by lab, scientist by scientist — just the way any other company is a contractor. That’s true of Columbia’s $400 million in ‘frozen’ contracts — and all the rest. R1 research universities do crucial research the federal government can’t do itself, but that we as a nation have decided we need done. Mission driven. Pioneering. Essential. They can’t be done — as Sean Hannity just suggested — at community colleges & vocational schools. That’s not what the $2.2 billion is being spent on. …You could Google it. Of course.

The Trump administration followed through on its threat to pull federal funding from Harvard University after the oldest and richest US college refused to agree to a list of new government demands bloomberg.com/news/articles/…

Our allies sit in London, and Paris, and Berlin, and Ottawa, not the Kremlin.

@LosGatosTrader Those are not grants. They are open market purchases.

So you don’t know what a stock grant is. Got it. She didn’t buy anything. She was awarded those. And it looks like she’s been a seller after she receives them. $LMND

99% of Americans are immigrants, or descendants of immigrants. Deporting them is deporting us. Literally all of us. There was no processing center at Jamestown.

@vasilist MILE customer base was roughly 101,000, as noted in the MILE 10Q filed just before acquisition by LMND.

thoughts about $LMND car insurance 🍋 As a long-term stockholder in Lemonade, I’ve been closely following their expansion into car insurance, but it’s clear for me that there’s still plenty of room for expansion and to be a competitive product. While I appreciate Lemonade’s vision, the numbers highlight some areas for concern. average car insurance premium with Lemonade is reported with a higher price of 12.4% at $1,751 vs $ROOT ’s $1,558 – even though Root lacks the cross-selling advantages that Lemonade has. Moreover, it’s been eight quarters since Lemonade’s acquisition of Metromile, a company that once boasted a customer base of half a million. Now, with the latest report indicating only 67K active car insurance contracts, it seems the acquisition might have been more challenging than anticipated. I hope to see more serious, strategic steps from Lemonade in this area. It’s crucial they address these hurdles and optimize their offerings to fulfill their potential in the car insurance market.

@PaperBagInvest @daschreiber @shai_wininger @DomienVdE generally, taking rate takes time to work it's way through our book based upon policy renewal dates, while the inflation impacts upon claims tend to be more immediate.

@PaperBagInvest @daschreiber @shai_wininger @DomienVdE if we continue to take rate as we expect, and if inflation continues to subside, then the downward trend of this metric would likely resume.

Hi @tebixby, @daschreiber, @shai_wininger, @DomienVdE asked a great question on the $LMND 🍋 spaces the other day. Can it be explained why GLR-ex cat was basically flat in 2023, even though a decent amount of premium was being earned in from rate increases (~$45M from Q1 to 3 and ~$20M over Q4)? I have a few partial explanations: 1) Loss ratios are variable with a certain amount of randomness. 2) Maybe most or all of the $45M earned in Q1 2023 thus we see the dip from 79% to 72% in that quarter. 3) Maybe the $20M is not yet earned in and we’ll see more of an effect from it in Q1 2024. 4) Inflation is constantly increasing the loss ratios, therefore maybe it’s counteracting the rate increases. 5) Maybe prior period developments is shifted to show a more conservative GLR over this span (but will make later quarters better than they would have been). 6) Maybe new premium growth has had loss ratios that are higher than the rest of the book of business. If you are able to answer or give any insight it would be super helpful to us as an investor base. Thanks!🙏 @Neil_X10 @ShadyJosh5 @ArranGray9