Former CEO in global manufacturing industry, but stopped because I didn't know about Palantir Foundry back then. Now I invest from home. Barbell-ish Mode.
Sweden
Joined March 2023
- Tweets7.1K
- Following1.2K
- Followers830
- Likes59.2K
Solid report IMO, trajectory towards fun zone continues with the occasional wiggle, while "assistant analysts covering for analysts that don't care", traders, and Wall Street Co, wants to deliver discounts for long-term investors. Thank you very much.
I have been MIA for quite some time, managed to clock a Traumatic Brain Injury this winter in a 90kph ski crash which landed me in intensive care a couple of days, and still struggling a bit with the old brain. But thankful for everybody sharing the non-emotional thoughts and analysis openly.
Cheers y'all!
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Steelbath Operator retweeted
Lemonade’s Q1 results are 🔥. So much to share, where do I start?
First, get into the AI mood, click this, + volume ⏫
open.spotify.com/track/20HCH… (by @kidfrancescoli)
🚀10th consecutive quarter of accelerating IFP growth
🔥 Topline at $1.33 Billion (IFP +32%)
🔥 Revenue grew 71% to $258M
🔥 Gross Profit increased 159% to $100M
🔥 3.14M Customers
🔥 Adj. Free Cash Flow $17M
Lemonade Pet exploding!
✅ Surpassed $500M top line early in Q2
✅ #1 most searched pet insurance brand in the U.S.
✅ @lemonade_inc is now the 4th largest pet carrier in the U.S.
✅ AI-powered automation drives record claim handling efficiency (LAE: ~4%)
✅ Our data + tech edge lets us lower prices while boosting profitability
Car picking up speed
✅ Now at 60% YoY growth, $214M IFP
✅ Loss ratio improved to 74% (14 pts better YoY)
✅ Autonomous Car for @Tesla FSD conversion rate 70% higher than standard
And more...
↗️ Raising 2026 top & bottom line guidance
↗️ IFP per employee > $1M (3x improvement in 4 years)
↗️ Positive Adj. EBITDA in Q4
↗️ Investor Day in NYC November 17
Steelbath Operator retweeted
Key details on the new margin system:
1. Brokers will track your risk throughout the day, not just at the close
2. You may be blocked from placing trades if they would put your account at risk
3. If you use too much leverage, you’ll need to add cash or close positions quickly
4. If you don’t fix it within a few days, your account can be restricted for up to 90 days
5. Rules are based on how risky your positions are, NOT how many trades you make
Steelbath Operator retweeted
Congress has spent the better part of half a decade trying to pass a framework to onshore the future of finance.
It is time for @BankingGOP to hold a markup and send the CLARITY Act to President Trump’s desk.
Senate time is precious, and now is the time to act.
Steelbath Operator retweeted
Businesses run 24/7, and so do we. @SoFi new Big Business Banking delivers one regulated platform to move and manage fiat and crypto in real time.
Today, we announced the launch of SoFi Big Business Banking—regulated infrastructure that gives enterprises the power to hold deposits, move money across fiat and digital assets, and settle transactions 24/7 instantly.
“To be competitive businesses today must operate in a global, always-on environment 24 hours a day, 7 days a week, while legacy banks typically still operate 9 to 5, Monday to Friday. - @anthonynoto
The future of enterprise finance starts here. Learn more: investors.sofi.com/news/news…
Steelbath Operator retweeted
$SOFI - SoFi Expands Loan Platform Business with Multiple New Agreements Totaling Over $3.6 Billion
stocktitan.net/news/SOFI/so-…
Steelbath Operator retweeted
Something the book value bros can rejoice over: in Q4 $LMND's Book Value Per Share actually rose!
It's almost like there's an underlying trend occurring.
Some boxes checked - mud slinging included.
My share-count 250% larger now than at ATH.
$SoFi 🙂
The most entertaining outcome would be that they bring it down below SP500 market cap requirement, which will turn many real bearish, and bears amping up the volume. Then another huge rip. It has been the SoFi way.
I'm long with a chunky house money position so good with it either way. I would actually prefer a break-down to signal to management that it would be wise to chill on over-tapping the market. And a good opportunity to load at discount to dilution levels.
$SoFi
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Steelbath Operator retweeted
Presenting @Lemonade_Inc’s Q4 2025: our strongest quarter ever!
Recommended: Play this while reading- open.spotify.com/track/0FYdQ…
Highlights (Y/Y)
🚀 9th consecutive quarter of accelerating growth
💵 $1.24 billion top line (+31%)
🔥 Revenue: up 53%
🔥 Gross profit: up 73%
🔥 Cash flow: generated $37m (adj. FCF)
🔥 ~3m customers
🔥 Adj. EBITDA loss improved 81%, now just -$5m
Car and Autonomous
✅ Lemonade Car grew 53%, now at $187m
✅ Loss ratio: 70% (TTM, down 23 points)
✅ Launched Autonomous Car Insurance for @tesla FSD (Supervised)
Europe
✅ Grew 150%
✅ 10th consecutive quarter of triple digit growth
✅ Loss ratio: 64%
AI Spotlight
✅ In the last 13 quarters- headcount shrunk 6%, while adding 1.2m customers
✅ 68% reduction in Pet cost-per-claim: from $44 in 2021, to $14 now
✅ Claims LAE at a record 6% (vs. 9% industry avg.)
More...
✅ Record breaking LMND gross loss ratio: now at 52%
✅ Growing cash (and investments) in the bank: $1.12B
Up next
⬆️ Guiding to 32% IFP growth in 2026
⬆️ 60%+ revenue growth
⬆️ Q4 2026 first positive adj. EBITDA quarter, 2027 - full positive year
⬆️ Announcing our upcoming investor day @ NYC, Nov ‘26.
Full details + financials: lemonade.com/investor
Steelbath Operator retweeted
🚨 $LMND Q4 EARNINGS 🚨
Lemonade just dropped a monster quarter. The cash burn narrative is dead.
📊 The Numbers: • Revenue: $228M (Beat Exp. $220M) • IFP: $1.24B (+31% YoY) • Customers: 2.98M (+23% YoY) • Gross Loss Ratio: 52% (Q3: 62%) 📉🤯
🚗 Segment Firepower: • Home/Renters: 39% Loss Ratio (Cash Cow) • Car: $187M IFP (Growing 53% YoY) with 40% Loss Ratio* • Pet: $439M IFP (Now 35% of book)
💰 The Kicker: • Adj EBITDA: -$4.6M (Guidance was -$14M) • Ops Cash Flow: +$21M 🟢 • Free Cash Flow: +$37M 🟢
Guidance: Expect Positive EBITDA for full Q4 2026.
Verdict: MEGA BULLISH. Loss ratios have collapsed. Growth is accelerating. Cash flow is positive. The flywheel is spinning.
Steelbath Operator retweeted
$SOFI WEBSITE TRAFFIC UPDATE 🚨
SoFi just saw a MASSIVE +45.87% YoY bump in website traffic (17.24% up MoM!)
This is not only the largest month, but it was also the largest month-over-month increase in visits!
Q1 data starting very strong!
Steelbath Operator retweeted
Nice $SOFI upgrade from JP Morgan today.
1) Great underlying demand trends.
2) Strong profit ramp.
3) Rising confidence in those two things continuing.
👀🙂👍
Steelbath Operator retweeted
#TeslaFSD is 2X safer than humans, so why are Tesla owners still charged so much to insure their cars?
In the last couple of months, we've been hard at work with the @Tesla team on something that will change that forever.
Announcing: Lemonade Autonomous Car Insurance for FSD
Here’s what’s coming…👇
---
For the full experience, play while reading this thread: open.spotify.com/track/7cMFj…
If @elonmusk is game, we'd be happy to explore insuring Tesla FSD miles for (almost) free.
Steelbath Operator retweeted
Make no mistake: digital asset market structure legislation is critical. If the U.S. wants to lead in crypto, we need clear, durable rules that will unlock innovation for decades. That’s why @SoFi backs bipartisan efforts in Congress. Things this important are never easy, but they’re worth getting right. Who Dares Wins‼️
Steelbath Operator retweeted
Just passed 3,000,000 @Lemonade_Inc customers.
It took us 4 years for the first million,
3 for the second,
2 for the third.
Steelbath Operator retweeted
Ready to become a SoFi Crypto Founding Member?
We're giving 100 members $1,000 in Bitcoin PLUS an exclusive custom trophy. Every $10 you trade in crypto gets you another entry to win. Trade $1,000 and you'll rack up 100 entries instantly. The more you trade, the better your chances. Deadline to enter is 1/15/26.*
This is your chance to be recognized as one of the original SoFi Crypto members. Enter today: sofi.com/crypto/founding-mem…
