Andy Yau

$ROOT Great quarter overall. CC was even better. ▶️ Its pretty clear. The inflection point in growth is starting to show, where Q2 was previously flat & Q4 is guided for acceleration 🆙 ▶️ Of the last 6 qts, this was the best qt(excluding q1) in relation to PIF growth. 455k -> 466,320🆙 ▶️ Double beats with a ~5.8% rev beat.🆙 ▶️ Adjusted EBITDA of 33.7M 💰 ▶️ Growth acceleration guide for Q4 🆙 ▶️ New UBI model, improving predictive power by 10% ▶️ IA channel tripled in growth YoY & is now 1/2 of the partnership channel

if $root reaches industry avg margin, we're looking about a look-through PE of 6. Ask yourself whether you think the growth will be high enough to justify a 6 PE. Next consider the likelihood of better than avg margins being built on modern systems, no technical debt etc.

$ROOT is my number one pick for 2026 👀 At 27% YoY growth on $1.447b revenue and a simple re-rate back towards 3.0 PS, in one year's time, we should be around $300/share 😎 $ROOT is disrupting the auto insurance industry with their tech, AI, and industry leading loss ratios 🤠

@KabraxFX I recommended $ROOT to a friend on Monday for an insurance.

$ROOT is seeking a dozen different positions to be filled with interns starting mid 2026. Mold talented interns to the company's culture and systems, then hire the ones that fit best among them permanently. 🙂

$ROOT one word stuck out in Q3 earnings: "Accelerate" Never heard it used so much in one earnings call.

$ROOT. Someone tell me why I shouldn’t be heavy in to $Root! I only have 300 shares but I think I need more.

The bull case for $ROOT is that they're already the lowest cost provider for auto insurance when you try to get insurance from $SOFI or $GSHD. And with that, SoFi and Goosehead can easily sell Root insurance coverage to their clients.

@Ironic_Ape yup, since they track funds. pretty normal to see allocations in all names. though, when their allocation becomes a much larger percentage of normal, than it becomes more eye opening.

@andycyau It’s not what you think it is - it’s just holding an allocation of the float, not like an investment owner

Vanguard is also $LMND largest shareholder. $ROOT 🤔

institutional ownership of $ROOT continues to creep up, with massive buys throughout from todays filings. Blackrock coming through with 178K shares added, bringing their position to 6%~. institutions now own 86.33% of $ROOT according to fintel. Thats not inclusive of insider ownership of ~12%, and some overlap of fund trackers(25%+). shares are getting pretty tight here for shorts.

@MMatters22596 $ROOT by far

Low wish to full port into $ROOT with 2X leverage and chill on the beach for next year

Long term, ROOT will embedded with OEMs offering both personal and product liability. its already happening with Hyundai & others to come. ROOT has been underwriting AV code since IPO. secondly, its straight sci fi to think AVs will reduce accidents in the short-medium term. The reality is $TSLA has 2X+ the accident rates. Reliance & errors will increase frequency across the board, increasing insurance premiums. If anything, AVs means ROOT is a buy hands over fist, as insurance becomes more expensive.

@SingularityRes what happens to $root when we have self driving cars?

@BourbonCap I’m planning to scale heavier into $CVAT and quietly accumulating $ROOT and $HIMS for the next rotation wave.

@PayneSkyel10873 no barriers. ROOT is executing and just needs time for transitions. current partners alone have 20b+ in potential annual runway.

@andycyau All things considered that is a great metric. Do you see any barriers to scaling? $LMND has about 5.7 million but adjust for their current valuation and ROOT appears to be on track, if they can keep scaling.

Does anyone actually use $root insurance? From an investment perspective its a buy. But when I look at insurance as a consumer its not on my radar. Only finance people are talking about $root.

@PayneSkyel10873 keep in mind, 466,000+ policy holders also found ROOT to be the cheapest. yesterday someone on X, who was using $SOFI insurance marketplace had ROOT as the cheapest provider across the board

@andycyau This is reassuring! I was on YouTube last night looking for people's experience with ROOT and could only find a handful of videos, mostly one guy complaining about his rate increasing over time.