I think OpenAI & $ZETA are quietly building the future of GEO – and nobody’s paying attention. 👀
1) Over the last few months, there’s been a strange pattern of signals around OpenAI + marketing + monetization.
Code leaks, job postings, denials, re-clarifications…
Something feels off.
Something feels bigger.
Coincidentally, $ZETA drops their new GEO technology – right as SEO collapses.
While editing my interview with $ZETA CEO, David Steinberg, everything clicked for me...
.@Lemonade_Inc's Q3 2025 results:
Highlights (YoY):
🚀 8th consecutive quarter of accelerating growth
💵 $1.16 Billion top line (IFP +30%, ahead of plan)
🔥 Gross Profit $$ increased +113% to $80m
🔥 Gross Profit Margin at 41%
🔥 2.87 million Customers (+24%)
🔥 Adj. EBITDA loss almost cut in half, now at -$26 million
Also:
✅ Loss Ratio at an all time low: 62%!
✅ Car loss ratio improving fast, now at 76%
✅ Revenue grew by 42% to $195m
✅ Claims LAE at a record <7% (vs. industry average of 9%)
✅ In the last 24 months, claims team headcount shrank, while claim volume increased by >2.5x!
✅ Europe IFP: $51m (+168% Y/Y)
✅ Europe Loss Ratio all time low: 70%
✅ Cash and investments: >$1B and growing
✅ Raised full year 2025 guidance for all metrics
Up next:
⬆️ Starting to capitalize on our AI UW/pricing advantage. With Loss Ratio hitting our lowest levels ever, we can now turn it into a lever rather than a target, lowering costs and achieving price leadership. We’ll share more about this exciting new capability in our earnings call today.
⬆️ Continued focus on agentic automation of… everything. On the claims side, we expect our LAE to continue improving and become global best-in-class in claims efficiency.
⬆️ Expect @lemonade_inc Car growth to continue to accelerate, fueled by TAM expansion from new state launches (Pennsylvania is next) and increased growth spend.
⬆️ On plan to generate positive Adj. EBITDA in Q4 2026
Did a large buy in $LMND today and it was probably my last large buy in a while. Position is fully built out and is currently 23% of my stockportfolio 🤝
@Mintcondish369 Top reason might be that they are disrupting a huge and boring market that haven’t been changed for a long time. I really like the management team and how they are scaling the business and moving towards profitability.