GenesChin

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I’ve read a lot of car reviews. I’ve never come across a comparison based on how long the paint lasts. It’s probably not a common criteria for purchase decisions.

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Because no one differentiates. If a car company puts it as a headline marketing/product positioning, it will get talked about.

Specifically the pitch is not that this paint matters, it's that it feeds a narrative/perception that the car is intended to last, down to the paint.


I don't know personally if I find this viable, just saying that good marketing teams are able to capitalize on small differentiators even if they don't actually matter

ESPN is reporting that his buyout is only $10M

Considering Hugh Freeze was paid near $16M despite being off the scrap heap, Bama is just fine extendinghim

I have 2K shares.

My father in law flew the kc135 and asked his opinion. He seemed to find the company and what they are doing interesting and commented on how this seems reasonable given tbe anticipated pilot shortage.

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me it looks like all of the bad metrics continue to improve

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It’s really just that their pet insurance has really taken off. The rest of their business is performing pretty poorly and not growing fast enough to justify their acq spend

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believe management when they say profitability will happen in 2027.

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I just looked at their management team, it’s a bunch of people who have no background in insurance. It’s classic insurtech “disruptors” who overpromise and underdeliver



Maybe Lemonade can pull it off, I’d just really think long and hard on making any type of long term commitment to them.

I have no position on this product. Wish you guys the best, I’m not a financial analyst so wtf do I know. Unless the bet is them dominant a pet ins mkt that mkt will 10x not sure I see their road to profitable growth

Just posting since Bayou asked me to in another thread

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bayoubengals88

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It’s a bit stale info at this point but at actuarial conferences/ communities, lemonade is generally viewed as an insurtech that promotes AI/industry shaker but that isn’t actually using it in pricing to the level of differentiator. It’s more for marketing, acquisition and claims adjudication (if it is being done). You can look up their filings it’s public data, I skimmed a couple and nothing stood out as revolutionary from a rating / pricing perspective- most PC firms are pretty adept at using machine learning and advanced stats to rate risk anyways

I’m not as familiar with the P&C space financials but from what I do know they don’t have attractive margins that’s a differentiator but their acquisition expense seems to run really hot.



Just quick glance at their investor letter, they are claiming to have improving loss ratios / UW margin, in force growth vs opex excl acq exp growth suggesting good news

I am dubious on skim through

- P&C space your acquisition expenses are incredibly high , Lemonade has unusually high acq expense as a growing insurer, to exclude is pretty suspect

The improved loss ratios seem to be coming from mix of business / growth in sectors such as Pet Insurance + some an unusual Q4 experience in homeowner/auto that seems to be reserve driven. Not sure the sustained growth in pet insurance and anomaly in experience is to be banked on





All that said, they claim to be an AI driven disruptor. Probably will 10x over next year no matter what their operations and financials do

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Hard to believe this theme was approved when Pixar only makes media for kids and their parent company owns Disney+

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Or they just are confident enough that people won’t break the addiction

I’m hoping for 7-5 and will be okay with 6-6 if we show signs of life


Hugh offense never showed signs of life. Even if we lucked out and won 6 or 7 this year, I still wouldn’t believe Hugh was close.

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L I take you that you call it a loss for the year?

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No, was on phone and accidentally hit an L before submitting I guess :lol:

Was a legit question, wanted to know vibes/ what people thought re where we are and project to be since I haven't be able to closely follow

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hate that we keep paying these dumbass huge payout

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All things considered I think Hughs was relatively tame vs some of the other ones we have paid