Francis

Electrical Engineer(Poli 1977), inventor, investor, lifelong learner, backyard farmer, nature lover, grandfather, building the future I dream of.

[Francis @fcmiguel]

Not saying anything...

[Kevin C. @Tappnbrd]

Thought it would be cool if I asked @grok to write a song thanking Elon Musk and I would put it into an ai music generator to create the song. Also asked @grok in @imagine agent to make visuals for this song. The basic idea is to thank @elonmusk for everything he has done for mankind. This is what @grok came up with...

[Francis @fcmiguel]

@cb_doge Fantabrilliwonderawesomespectaculimagnificentastic!

[Francis @fcmiguel]

The integration of Starlink into Tesla vehicles, approved by the FCC and supported by a recent patent for a radio-frequency transparent roof, ensures high-speed, low-latency satellite internet connectivity anywhere, including remote areas or while in motion, eliminating signal dead zones. This is crucial because Tesla cars already have integrated AI inference hardware (such as AI4, AI5 chips and future ones), capable of processing AI models locally for tasks like Full Self-Driving (FSD).With this constant connectivity, vehicles can act as nodes in a distributed computing network when idle (for example, parked or "bored," as Elon Musk describes). Each Tesla contributes about 1 kW of high-performance inference capacity, allowing the entire fleet—potentially 100 million cars—to form a distributed supercomputer with up to 100 gigawatts of computational power for AI tasks, such as large model inference. Without Starlink, the lack of reliable connection would limit real-time coordination, data upload/download, and participation in distributed tasks. This massive network of "inference chips" could be used to accelerate global-scale AI training and inference, including for xAI or FSD optimization, with owners possibly compensated for sharing idle computational power. In summary, Starlink transforms the Tesla fleet into a connected and scalable infrastructure, creating an unprecedented distributed inference network where cars are not just vehicles, but active computational nodes.

[Francis @fcmiguel]

Number 5 for me, but did you notice that @elonmusk has just skyrocketed to 230 million followers on X—the ultimate global town square! With his bold vision at the helm, X has become the unbreakable fortress of FREE SPEECH, fearlessly tearing down barriers to expression, elevating silenced perspectives, and sparking raw dialogues that traditional media shies away from. Amid a landscape choked by controls, X emerges as the premier hub for unfiltered truth and vibrant discourse. Here's the kicker: he pulls this off as a side gig, all while transforming humanity through Tesla (leading the charge in EVs and green energy), SpaceX (propelling us toward multi-planetary life with innovative reusable rockets and worldwide Starlink connectivity), Neuralink (pushing boundaries in brain-AI fusion), xAI (probing the cosmos with advanced AI breakthroughs), and The Boring Company (digging into next-gen underground transit solutions). And somehow, he carves out quality time for his kids—what a masterclass in epic multitasking! Seriously, how does he squeeze in being the world's top gamer on top of it all? Visualize it: those 230M followers assembling in real life would carpet 115 km², engulfing all of Paris or flooding the Giza pyramids in a tidal wave of humanity! We absolutely adore you, man. And yeah, they despise you—no doubt—because you're the true warrior in the arena.

[Francis @fcmiguel]

@elonmusk has just skyrocketed to 230 million followers on X—the ultimate global town square! With his bold vision at the helm, X has become the unbreakable fortress of FREE SPEECH, fearlessly tearing down barriers to expression, elevating silenced perspectives, and sparking raw dialogues that traditional media shies away from. Amid a landscape choked by controls, X emerges as the premier hub for unfiltered truth and vibrant discourse. Here's the kicker: he pulls this off as a side gig, all while transforming humanity through Tesla (leading the charge in EVs and green energy), SpaceX (propelling us toward multi-planetary life with innovative reusable rockets and worldwide Starlink connectivity), Neuralink (pushing boundaries in brain-AI fusion), xAI (probing the cosmos with advanced AI breakthroughs), and The Boring Company (digging into next-gen underground transit solutions). And somehow, he carves out quality time for his kids—what a masterclass in epic multitasking! Seriously, how does he squeeze in being the world's top gamer on top of it all? Visualize it: those 230M followers assembling in real life would carpet 115 km², engulfing all of Paris or flooding the Giza pyramids in a tidal wave of humanity! We absolutely adore you, man. And yeah, they despise you—no doubt—because you're the true warrior in the arena.

[Francis @fcmiguel]

Elon Musk has just skyrocketed to 230 million followers on X—the ultimate global town square! With his bold vision at the helm, X has become the unbreakable fortress of FREE SPEECH, fearlessly tearing down barriers to expression, elevating silenced perspectives, and sparking raw dialogues that traditional media shies away from. Amid a landscape choked by controls, X emerges as the premier hub for unfiltered truth and vibrant discourse. Here's the kicker: he pulls this off as a side gig, all while transforming humanity through Tesla (leading the charge in EVs and green energy), SpaceX (propelling us toward multi-planetary life with innovative reusable rockets and worldwide Starlink connectivity), Neuralink (pushing boundaries in brain-AI fusion), xAI (probing the cosmos with advanced AI breakthroughs), and The Boring Company (digging into next-gen underground transit solutions). And somehow, he carves out quality time for his kids—what a masterclass in epic multitasking! Seriously, how does he squeeze in being the world's top gamer on top of it all? Visualize it: those 230M followers assembling in real life would carpet 115 km², engulfing all of Paris or flooding the Giza pyramids in a tidal wave of humanity! We absolutely adore you, man. And yeah, they despise you—no doubt—because you're the true warrior in the arena.

[Francis @fcmiguel]

Elon Musk has just skyrocketed to 230 million followers on X—the ultimate global town square! With his bold vision at the helm, X has become the unbreakable fortress of FREE SPEECH, fearlessly tearing down barriers to expression, elevating silenced perspectives, and sparking raw dialogues that traditional media shies away from.
Amid a landscape choked by controls, X emerges as the premier hub for unfiltered truth and vibrant discourse.
Here's the kicker: he pulls this off as a side gig, all while transforming humanity through Tesla (leading the charge in EVs and green energy), SpaceX (propelling us toward multi-planetary life with innovative reusable rockets and worldwide Starlink connectivity), Neuralink (pushing boundaries in brain-AI fusion), xAI (probing the cosmos with advanced AI breakthroughs), and The Boring Company (digging into next-gen underground transit solutions).
And somehow, he carves out quality time for his kids—what a masterclass in epic multitasking!
Seriously, how does he squeeze in being the world's top gamer on top of it all?
Visualize it: those 230M followers assembling in real life would carpet 115 km², engulfing all of Paris or flooding the Giza pyramids in a tidal wave of humanity!
We absolutely adore you, man. And yeah, they despise you—no doubt—because you're the true warrior in the arena.

[Francis @fcmiguel]

Today you can buy 2 $tsla for US$1.000,00. Just saying.

[Francis @fcmiguel]

@dvorahfr

[Francis @fcmiguel]

@ray4tesla 🤣😂

[Francis @fcmiguel]

@WorldAndScience I didn't even know I had galaxies on my phone, they must be microgalaxies.

[Francis @fcmiguel]

Key Takeaways from Clover Health $CLOV Q4 2024 Earnings Call
Revenue Growth:
Clover Health reported Q4 2024 insurance revenue of $330.7 million, up 9.1% year-over-year, driven by strong Medicare Advantage membership growth (analyst expectations of $348.04) Total full-year 2024 insurance revenue reached $1.345 billion, a 9% increase from 2023, showing steady growth.

Improved Profitability Metrics:
Net Loss Reduction: The net loss from continuing operations dropped to $21.5 million in Q4 2024 from $67.9 million in Q4 2023, a $46.4 million improvement. For the full year, the GAAP net loss improved by $164 million compared to 2023, reflecting significant progress toward profitability.
Adjusted EBITDA: Q4 Adjusted EBITDA was positive at $7.8 million, a turnaround from a $16.7 million loss in Q4 2023. Full-year 2024 Adjusted EBITDA exceeded $70 million, surpassing the updated guidance of $55-65 million from Q3, highlighting operational efficiency gains.
EPS Beat: Earnings per share (EPS) were —$0.04, beating the consensus estimate of—$0.07 by $0.03. This was a 42.9% positive surprise, though it still reflected a loss.

Membership Growth and Retention:
Membership in Medicare Advantage plans grew 27% year-over-year, surpassing 100,000 members post-Annual Election Period, with ~95% enrolled in the flagship 4-Star PPO plan. Retention rates were notably high at 95.

Cost Management and Ratios:
The Insurance Benefit Expense Ratio (BER) improved to 81.2% for 2024, down 500 basis points year-over-year, and the Medical Cost Ratio (MCR) reached 75.1%, reflecting effective cost control via the Clover Assistant platform.
Claims processing improvements were noted, reducing unpaid claims backlogs, though specific Q4 figures weren’t detailed in early reports.

2025 Guidance and Strategic Outlook:
Revenue Projection: Clover targets 37% revenue growth in 2025, aiming for $1.815 billion to $1.875 billion in insurance revenue, driven by membership expansion and technology leverage.
Adjusted EBITDA: Guidance for 2025 Adjusted EBITDA is $45 million to $70 million, suggesting sustained profitability with a slight dip from 2024’s $70 million+, possibly due to growth investments.
Full Profitability: CEO Andrew Toy emphasized a goal of full GAAP profitability by 2026, balancing current profitability with investments in home care and SaaS expansion via Counterpart Health.
Cash Flow: In 2024, the company achieved positive free cash flow (FCF), ending with $531 million in cash and investments, supporting self-funded growth without additional capital needs.

Technology and Market Differentiation:
The Clover Assistant platform was credited for driving clinical outcomes and cost savings. SaaS revenue from Counterpart Health is not yet factored into financials, with meaningful contributions expected in 2026.
Expansion into home care in 2025 was highlighted as a growth driver, leveraging partnerships like Quartet Health to target underserved populations.

Unexpected Insight
A less obvious takeaway is the strategic pivot toward home care and third-party SaaS offerings via Counterpart Health, which isn’t yet reflected in financials but positions Clover uniquely in the Medicare Advantage space. Unlike competitors focusing solely on membership scale, Clover’s tech-first approach—evidenced by a 4.94 HEDIS score (highest nationally for plans over 2,000 members)—could yield a competitive edge as SaaS scales.

Conclusion
The Q4 2024 earnings call showcased Clover Health’s strides toward profitability ($70 million+ Adjusted EBITDA, $164 million net loss improvement) and membership growth (100,000+ lives), underpinned by technology-driven cost management. The robust 2025 guidance and a clear path to 2026 profitability signal confidence.

The information provided is for general informational purposes only and should not be considered personalized financial advice. For deeper granularity:

https://t.co/p3TtDfJGer

[Francis @fcmiguel]

Key takeaways from the Teladoc Health ($TDOC) Q4 2024 earnings call:

Revenue Performance:
Teladoc reported Q4 2024 revenue of $640.5 million, a 3% decline year-over-year. This suggests a slowdown in topline growth, potentially reflecting challenges in the telehealth market or shifts in demand post-pandemic.

Profitability Metrics:
The company posted a net loss of $48.4 million, translating to an earnings per share (EPS) of -$0.28. Adjusted EBITDA was $74.8 million, down 35% from the previous year, indicating pressure on profitability despite efforts to streamline operations.

Cash Flow:
Operating cash flow for the full year was $293.7 million, a decrease from $350 million in the prior year. However, the company still generated positive cash flow, which could provide financial stability.

2025 Guidance Initiated:
Teladoc provided its outlook for 2025, projecting consolidated revenue between $2.47 billion and $2.58 billion. Adjusted EBITDA is expected to range from $278 million to $319 million, and free cash flow is forecasted at $190 million to $220 million. This guidance suggests cautious optimism, with a focus on stabilizing revenue and improving cash flow.

Strategic Context:
The guidance implies a focus on operational efficiency and profitability rather than aggressive expansion.

These takeaways reflect a company navigating a challenging environment—declining revenue and profitability in Q4 2024—but with a forward-looking plan to stabilize and grow in 2025.

For a deeper dive review the full earnings call:
https://t.co/QG078O7MJ8
The information provided is for general informational purposes only and should not be considered personalized financial advice.

[Francis @fcmiguel]

@McmullinIvana @EvasTeslaSPlaid @Tesla I have some cash to buy the dip, just in case. People are crazy.

[Francis @fcmiguel]

@pdicarlotrader $CLOV

[Tracker @EWTracker]

The Mattsby & Tracker Morning Show https://t.co/HJ1bkzk1WL

[Francis @fcmiguel]

Today you can buy 3 $tsla for US$1.000,00. Just saying.

[Francis @fcmiguel]

Today you can buy 4 $tsla for US$1.000,00. Just saying.