Andy Yau

$ROOT for the next 1000X+
RE Investor/Developer & Entrepreneur Founder
14+ Years in Financial Markets
2024-NH Top 7 Realtors By FastExpert | 40u40 Torchbearer

[Andy Yau @andycyau]

$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

[Riley @RileyE645]

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.

[Kab X 🇺🇸 @KabraxFX]

$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 🤠

[JMan @JManCapital]

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

[Kab X 🇺🇸 @KabraxFX]

$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. 🙂

[Meadow Capital @MeadowCapital]

$ROOT one word stuck out in Q3 earnings: "Accelerate"

Never heard it used so much in one earnings call.

[BMC @bmc7montana]

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

[Dissecting the Markets @dissectmarkets]

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.

[Andy Yau @andycyau]

@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.

[Andy Yau @andycyau]

Vanguard is also $LMND largest shareholder. $ROOT 🤔

[Andy Yau @andycyau]

also vanguard ownership increased to over 5% a few weeks ago which triggered a 13G filing. $ROOT

[Andy Yau @andycyau]

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.

[Bjerre @Bjerre001]

@MMatters22596 $ROOT by far

[Singularity Research @SingularityRes]

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

[Andy Yau @andycyau]

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.

[Julia Z @julia_z91]

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

[Andy Yau @andycyau]

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

[Andy Yau @andycyau]

@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