Lemonade is one of the best buys in the market because its AI model lets it scale customers, products and revenue without scaling headcount. In-force premium grew 32% YoY, its tenth straight quarter of acceleration, and doubled over three years as headcount fell; revenue tripled while gross profit grew 10x. Up to 50% discounts for miles driven on Tesla FSD show an edge traditional insurers can't copy. It should be EBITDA profitable in Q4 2026, yet the stock fell 50% in four months. x.com  x.com 

Lemonade is light years ahead of competitors in agentic insurance as policies shift from set-and-forget to hundreds of micro-interactions each year. It is the first company to truly enter this model while incumbents still work on AI premium-pricing models. Pet insurance involves frequent small claims, and car telematics keeps updating driving-based prices and safety assessments. x.com 

Lemonade looks expensive once valued as what it is, an insurance company. Replying to @javierluraschi's post on the stock, any price above 1x revenue is expensive for an insurer. x.com 

Lemonade's expansion into more states unlocks more efficient national marketing campaigns, letting it rationally pursue more growth. Renters insurance debuted in Kansas this week, and car insurance for Tesla FSD debuted in Missouri. Brick by brick. x.com 

Tesla's FSD continues to drive sales as its physical AI strategy takes shape. Attach rates top 75% of North American deliveries, active subscriptions have reached 1.74 million, up 67% year on year, and Optimus production has begun. Those developments also dovetail with the strategic fit of a SpaceX merger. x.com 

Lemonade is overvalued because AI is not a material or unique value driver in insurance, since every insurer uses AI and keeps improving it. It should trade at an insurance valuation of about 1.5-2.5x book value, roughly $30. An insurance CEO also called the company a joke and way overvalued. x.com  x.com 

Majority use of Tesla's FSD would take its shares to $1,000. An iPhone-like adoption moment would also make roads safer. x.com 

Tesla's growing autonomy usage strengthens its case as one of the best plays on autonomous vehicles, robotics, EVs and energy. Q3 FSD subscriptions rose 67% year over year and robotaxi miles increased eightfold quarter over quarter; revenue was $28.05B and EPS of $0.48 beat expectations. FSD subscriptions are starting to contribute to revenue, though still relatively little. Licensing FSD to other automakers could expand the opportunity if it happens. x.com  x.com 

Self-driving cars give Root and Lemonade no edge, because if accidents fall, everyone benefits and insurers charge less, so the whole auto insurance industry shrinks. On the surface the risk looks like self-driving's threat to Uber, but the mechanics are completely different, and insurance companies are not attractive to own in general. The view is offered tentatively, as a non-expert. x.com  x.com 

Tesla's FSD uptake could add recurring software revenue to its vehicle base, while Robotaxi could earn on each ride. This could be Tesla's most important inflection point, missed amid weak auto profits. North American attach rates rose to 75% from 55% in Q2; subscriptions hit 1.74 million, up 67% year over year, and Cybercab rides began in Austin. Trials may not become lasting paid subscriptions; Robotaxi needs safe operation, steady paying demand and attractive returns at scale. x.com