Rahul Setty

Focused on compounding by finding and holding multibaggers in size. Looking for the “fat pitch”.

[Rahul Setty @RahulSetty_]

Put selling be like

[Foazn @FoaznPoker]

If you saw $999.07 on the ground, you’d pick it up, right? Jannik Sinner🔐

Couple things:
•Sinner is GUARANTEED to win
•Foazn won’t wake up at 5am to watch

I make money in my sleep; you wake up to make money #levels

[Rahul Setty @RahulSetty_]

@nrossolillo I do not, wasn’t confident enough in leadership/direction to hold through – happy for you though! I assume you still own

[Rahul Setty @RahulSetty_]

Well, this is because the TRA settlement charge is not a nongaap item (duh)

[Rahul Setty @RahulSetty_]

$FOUR solid growth guide overall, GB weighing but will take time (we knew that). Good buyback usage so far. Main question from the slide deck is explicitly mentioning whether the expected TRA settlement cost is reflected within the ‘incremental flow through’ of the 2026 adj FCF slide. Would go a long long way in clarifying.

[Rahul Setty @RahulSetty_]

$HIMS has achieved federal govt agency BINGO! That’s now FDA, HHS, DOJ, SEC, and the middle spot is free! 🥳

[Russell Young @Russby68]

$HIMS is under SEC investigation?!

[Rahul Setty @RahulSetty_]

@bjmtweets Oh you’d be surprised lol

[Rahul Setty @RahulSetty_]

$LMND $ROOT The discourse that Lemonade and Root are competing against each other is so incredibly silly, I cannot comprehend it. Both have immaterial market share in personal lines right now. They are the disruptors aiming to whittle away market share from the incumbents. Bulls of each should be rooting for the success of both as it represents validation of the greater insurtech category

[Rahul Setty @RahulSetty_]

@CarioCapital Yep completely different. And growth/distribution approach is completely different too. Nuance required. Not fintwit’s strong suit.

[Rahul Setty @RahulSetty_]

Beginner investors see this and assume that “hey, this guy is saying outlandish things, he must know a thing or two”. But no. It’s a cash grab, same as it ever was.

[Rahul Setty @RahulSetty_]

Linares is one of the most incredible marketers I’ve ever seen. No one is doing it like him (not an endorsement). I mean..what kind of message is this?

[Rahul Setty @RahulSetty_]

@jevgenijs TOST is a really good pick here, but FOUR will feed families imo

[Rahul Setty @RahulSetty_]

@bjmtweets Superinvestors would vomit if they saw my portfolio composition 😆😆

[Rahul Setty @RahulSetty_]

@SixSigmaCapital Nice work! How big is trading account relative to long term account?

[Rahul Setty @RahulSetty_]

@atelicinvest It’s so important to learn the right lessons from these things. (And sometimes, that “lesson” really is that no one really knows anything)

[Rahul Setty @RahulSetty_]

@TravisHoium This seems very hopeful to me. 1x glp1 injectable revs since shortage ended is probably $500mm of damages and they’re continuing to sell it…..god forbid if they have to pay based on Novo’s retail value

But wishing you the best of luck

[Rahul Setty @RahulSetty_]

I would like to long $OSCR again at some point. After a washout year for the industry in ‘25 no one believes in guidance, but with every quarter it’s met the market’s confidence will grow.

Diving just a tad deeper, Oscar’s specialized plans (after Hims I won’t use the p-word) position it for share gains and an early leader in ICHRA as that gradually rolls out over the next 1-2 decades. Seems pretty darn attractive here and stock is actually lower than my buys last summer.

[Value Investigator @value_invest12]

Oscar Health with a Giga 2026 outlook.

Revenue guidance of $18.9b (+61%)
$350 million earnings from operations vs 3650 market cap.

SGA expense ratio scaling to 16% vs 17.5% in 2025 and 19.1% in 2024.

$OSCR

[Rahul Setty @RahulSetty_]

$TOST $FOUR The mix of software, hardware & payments isn’t going anywhere. (No surprise to anyone that’s been paying attention.)

Toast CEO when asked about AI impact: “[We’re] the most important piece of technology restauranteurs use around their business [where] all the work gets done…and it’s really broad.” ⬇️

[Rahul Setty @RahulSetty_]

@inspector_token Yeah I figured, but would think still trending lower

[Rahul Setty @RahulSetty_]

I’ve been a $LMND skeptic for a long time and the jury is still out on bottom line, but my goodness that auto GLR (gross loss ratio) is an incredibly positive rate of change. Seems like a really good report

[Brian McCormick @bjmtweets]

Fantastic Q4 for $LMND
Record low GLR, record low Car GLR TTM (see note), Europe numbers looking great, home/renters unbelievably low.

Share price fully deserves to run after this (NFA, IMO)

[Rahul Setty @RahulSetty_]

@GrowthThesis Combined ratios consistently >100 / high expense ratios + starting out in renters/pets which is easy to underwrite