Andy

@garrytan Workday has a cost to provide its API externally. What’s the difference between them charging for data retrieved/sent and AWS charging customers to query their data? No one is arguing whose data it is. The question is who should bear the cost of agents’ elevated API usage

Recent earnings call, Aneel Bhusri of Workday says startups with AI agents are "parasites" This is what system of record incumbents really think of startups. The war is just beginning. The facts: the user data belongs to the users, not the incumbent software vendor.

@FinanceLancelot So you’re not going to draw a wedge on 2021-22 because it’s not convenient for your “analysis”? Got it.

VVIX / VIX is performing exactly how we'd expect after a flash crash. You can see the similarities to 2018 & 2020. Notice how the end of the yellow wedge predicts when markets really begin to take off. In our current situation, it's predicting the rally begins end of May 2025.

@InvestmentBook1 Retail should stick to ETFs only. I would bet if you match each dollar spent with invested in said company, you’d beat the market. Imagine investing in Apple when you bought your first Mac or Netflix in 2005 when they were still in the CD business

What’s the most common financial advice you completely disagree with? Let’s see some unpopular truths

@StealthQE4 I’m not disagreeing with that argument. I’m saying there’s less viable alternative investments abroad. Capital outflows are temporary. Long term, it’ll follow earnings. Think about Azure/AWS/GCP, European companies have no alternative to switch from US tech.

@andys_analysis It’s all liquidity flows. It’s leaving the US. Look at the dollar.

The thing I’ve been thinking about lot about today is capital flight leaving the US and going back to their own respective countries Countries were piled into US equities.Especially the MAG 7. Now that money is coming back home thanks to trade wars and a loss of confidence here

@StealthQE4 Would you rather invest in MSFT or SAP? European companies are a joke compared to American counterparts. Earnings are all that matter long term. Everything in between is noise.

I wouldn’t go near tech stocks while all of this foreign money leaves. It’s not coming back folks. Even if trade wars are repaired there’s a lack of trust now with the USA. How do they know we won’t try this again. Time will have to heal the wounds. Unprecedented times.

@StockSavvyShay Music is a cultural experience - can’t say the same about medicine where you compete on price. Spotify is better and differentiated. Its library of content is deeper than Apple’s. It locks users in with its network effects through song and playlist sharing (like blue iMessages)

THIS IS THE NEW AGE OF HEALTHCARE From genomics to telehealth, from pharma R&D to medical imaging, the companies that are embedding AI into their operating core are separating from the rest. What used to be a futuristic add-on is now table stakes -- and the capital is reallocating with that in mind. But this shift didn’t just happen in a vacuum. It was catalyzed by something bigger: a narrative change. Policy momentum. Political alignment. Tempus Is Building the Operating System of AI Healthcare At the center of this shift is $TEM -- and it’s not just a participant in the AI healthcare boom. It’s the scaffolding beneath it. Tempus isn’t building tools. It’s building the rails. While most healthtech companies are optimizing a single touchpoint -- a diagnosis here, a recommendation there -- Tempus is embedding itself across the entire ecosystem. From real-time clinical decisions to insurance workflows to pharmaceutical development, it’s not just interfacing with the system -- it’s becoming the system. What sets Tempus apart isn’t just the volume of data it holds, but how that data is weaponized in the moment care is delivered. Its operating platform plugs directly into oncologist workflows, interpreting genomic data at scale, and feeding those insights back to physicians in time to shift treatment paths in real time. It's decision-making, not documentation. A clinical intelligence layer that lives inside the hospital, not outside it. But that’s only the beginning. Tempus isn’t just in the business of diagnostics -- it’s building the nervous system of AI-native medicine. Its reach now extends beyond oncology, into cardiovascular disease, neurological disorders, infectious disease, and more. Its datasets aren’t just massive -- they’re multimodal, pulling together pathology, imaging, genomic sequencing, clinical notes, and treatment outcomes into one longitudinal platform. That fusion is what makes the AI models not just accurate, but actionable. It’s not a black box. It’s a map. This is why Pelosi’s disclosure sent a ripple. This is why investors are suddenly watching D.C. not just for regulation -- but for acceleration. Because if this HHS leadership prioritizes AI adoption and eases the friction around data interoperability and model deployment, companies like Tempus don’t just grow. They become default infrastructure. Hims vs Amazon Is the Battle for Belonging Elsewhere, consumer healthcare is undergoing its own version of disruption. $HIMS has rewritten the DTC playbook, scaling faster and with more brand intimacy than anyone thought possible. Now, it faces its biggest test -- not from another startup, but from $AMZN. With One Medical’s $9/month Prime membership and a logistics backbone that can deliver healthcare like it delivers packages, Amazon has the infrastructure, the pricing power, and the patience to bleed margin if it means deepening Prime loyalty. It doesn’t need telehealth to be a profit center. It just needs it to be sticky. And yet, that doesn’t mean Amazon wins. Because this could very well be a $SPOT vs $AAPL -- where scale and integration meet their match in identity and trust. Hims isn’t trying to be a utility. It’s a brand. One that consumers choose -- not because it’s bundled, but because it resonates. Because it feels like part of their lifestyle. Their aesthetic. Their voice. That matters in healthcare more than people realize. In a space where trust is everything, cold efficiency doesn’t always win. Hims has built something that’s defensible not through patents, but through presence. It has created a culture around wellness that feels personal. Retention rates continue to beat expectations. High-margin categories like GLP-1 weight loss and dermatology are expanding. And while customer acquisition costs are rising across the board, Hims still converts better than most -- because its brand affinity bends the funnel. It doesn’t just acquire customers. It earns them. That’s the tension playing out now. Amazon brings distribution. Hims brings emotion. One optimizes for scale. The other, for belonging. And in a category like health, where identity and trust compound over time, that could be the difference between being a feature -- and being the destination. Recursion Is the AI Discovery Engine Behind the Next Pharma Era $RXRX is doing something even more radical: it isn’t adapting to the AI era -- it’s rebuilding pharma for it. Traditional drug discovery has always been a slow grind through a swamp of trial-and-error -- decades of benchwork, billions in sunk costs, and a pipeline defined more by attrition than acceleration. Recursion is throwing that playbook out. Not to digitize it. To replace it. What they’re building isn’t a biotech company that uses AI. It’s an AI company that happens to discover drugs. Their platform is powered by a library of over 23 petabytes of biological and chemical data, gathered and structured through automated high-throughput experiments. One that their proprietary models are trained to interpret at a scale and speed no human team could replicate. Instead of testing one drug for one condition, Recursion scans millions of compound-disease interactions in parallel, surfacing novel candidates that would never have made it past a traditional screening funnel. It’s not acceleration. It’s compression -- turning a multi-year process into a multi-week output. And it’s not just theory. Big pharma is buying in. Their partnerships with Bayer, Roche, and others aren’t headline bait. They’re validation. Not just of the tech — but of the model. A model where Recursion doesn’t just license compounds, but owns the infrastructure that finds them. That’s what makes the story different. Because Recursion’s value isn’t bound to a single drug. It’s tied to a repeatable system that can manufacture insights on demand. If Tempus is building the diagnostic OS of healthcare, Recursion is building its discovery engine. The new era of healthcare isn’t coming. It’s already here -- running in the background of hospital systems, embedded in clinical decisions, reshaping how drugs are discovered and how care is delivered. It’s not loud. It’s not headline-grabbing. It’s infrastructural. Relentless. Inevitable.

@StockSavvyShay @finchat_io Are the earnings forecasts too high? Is the market discounting the risk of 50% revenue concentration in 5 customers? Seems like an apples to oranges analysis.

$NVDA IS TRADING AT LESS THAN HALF THE FORWARD EARNINGS MULTIPLE OF $COST 😳

@RandolphDuke7 Closest thing to the real deal a.co/d/dDvX87i

Cincinnati Chili!

@CramerTracker How many billions of dollars did @jimcramer wipe from Americans’ retirement accounts with this reckless fear mongering?

And all it took was for you to scream Black Monday was coming

@elonmusk dog walking the British government right now