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易燃易爆的汤圆
2021-10-04
特斯拉不仅仅是一家造车公司,永和豆浆不止卖豆浆。这道题老师我要重复多少遍你们才会记住?
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易燃易爆的汤圆
2021-09-24
another Teslaq.
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易燃易爆的汤圆
2021-06-09
刚刚买了45股
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易燃易爆的汤圆
2021-03-18
I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.
3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)
易燃易爆的汤圆
2021-02-22
看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心
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易燃易爆的汤圆
2021-02-19
$Artificial Intelligence Technology Solutions Inc.(AITX)$
设了个0.18的止损发生了。
易燃易爆的汤圆
2021-02-02
$德纳维制药(DVAX)$
4元左右浮亏6万时我对自己说,华尔街分析师虽然不能绝对靠谱,但是也没人下调14元的目标价啊我为何要割肉?现在还是这句话,好不容易富盈几万了,距离14的目标价还有段距离呢,为何要下车让利他人?
易燃易爆的汤圆
2021-01-20
跌下来我好大幅加仓。一直后悔百元以下时买的太少,目前只占到20-%
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Teslaq.","listText":"another Teslaq.","text":"another Teslaq.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/861187852","repostId":"2169893693","repostType":2,"isVote":1,"tweetType":1,"viewCount":1235,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":189009997,"gmtCreate":1623230126319,"gmtModify":1623230126319,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"刚刚买了45股","listText":"刚刚买了45股","text":"刚刚买了45股","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/189009997","repostId":"2142292466","repostType":2,"isVote":1,"tweetType":1,"viewCount":1730,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":327868064,"gmtCreate":1616076823958,"gmtModify":1616077051182,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","listText":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","text":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/327868064","repostId":"2119297581","repostType":2,"repost":{"id":"2119297581","kind":"news","pubTimestamp":1615824000,"share":"https://ttm.financial/m/news/2119297581?lang=&edition=full","pubTime":"2021-03-16 00:00","market":"us","language":"en","title":"3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)","url":"https://stock-news.laohu8.com/highlight/detail?id=2119297581","media":"Trevor Jennewine","summary":"This tech company is disrupting the trillion-dollar insurance industry.","content":"<html><body><span>\n<p>Since its initial public offering (IPO) last July, <strong>Lemonade</strong> <span>(NYSE:LMND)</span> stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of its value and bottomed out at $87 per share in early March. Since then, the share price has climbed back over $100, but it's still down 40% from its 52-week high.</p>\n<p>It never feels good to lose money, but this volatility is to be expected with a disruptive growth company like Lemonade. Rather than sell out of fear, investors should take this opportunity to buy a few shares while they're on sale.</p>\n<h2>1. Data-driven business</h2>\n<p>Lemonade collects far more data than a traditional insurance company, and it uses that data to power the artificial intelligence that drives its business. That gives the company a big advantage.</p>\n<div><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F618106%2Fman-touching-digital-dollar-sign.jpg&w=700&op=resize\" srcset=\"https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=300&op=resize 300w, https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=1000&op=resize 1000w, https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=2000&op=resize 2000w\"/>\n<p>Image source: Getty Images</p>\n</div>\n<p>For example, Lemonade uses AI chatbots to sell insurance and process claims, which means the company needs fewer agents and adjusters (i.e. the people who sell policies and handle claims for traditional insurance companies). In fact, Lemonade has just <a href=\"https://laohu8.com/S/AONE\">one</a> employee per 1,700 customers, while its rivals typically require <a href=\"https://laohu8.com/S/AONE.U\">one</a> employee per 150 to 450 customers.</p>\n<p>But the AI chatbots are more than just a customer engagement gimmick. They leverage vast amounts of data to quantify risk when pricing policies and paying claims. Lemonade believes this will lead to more precise underwriting and fraud detection over time, and those advantages should translate into a lower loss ratio (the percentage of premiums paid out in claims).</p><div></div>\n<p>So far, this strategy is working. Lemonade's loss ratio has dropped substantially in recent years. Moreover, at 71% in 2020, its loss ratio is below the industry average in the property and casualty insurance market. That's encouraging for such a young company.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>2017</p>\n</th>\n<th>\n<p>2018</p>\n</th>\n<th>\n<p>2019</p>\n</th>\n<th>\n<p>2020</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"125\">\n<p>Gross loss ratio</p>\n</td>\n<td width=\"125\">\n<p>161%</p>\n</td>\n<td width=\"125\">\n<p>113%</p>\n</td>\n<td width=\"125\">\n<p>79%</p>\n</td>\n<td width=\"125\">\n<p>71%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings.</p>\n<p>Ultimately, as its business scales, Lemonade's data-driven model should make it more efficient (and more profitable) than the competition.</p>\n<h2>2. Delightful customer experience</h2>\n<p>Lemonade's digital strategy also has another benefit: It's more customer-friendly. The AI chatbots make it possible for customers to purchase insurance in just two minutes, while allowing the company to pay claims in as little as three seconds. Moreover, because this automation means Lemonade incurs fewer expenses, its prices are often lower than those of its rivals.</p><div></div>\n<p>Not surprisingly, Lemonade's focus on providing a friendly user experience has helped it add new customers quickly. In 2020, just four years after the company was founded, it surpassed one million customers. To put that in perspective, Lemonade hit that milestone five to 10 times faster than today's market-leading incumbents.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>2018</p>\n</th>\n<th>\n<p>2019</p>\n</th>\n<th>\n<p>2020</p>\n</th>\n<th>\n<p>CAGR</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"156\">\n<p>Customers</p>\n</td>\n<td width=\"156\">\n<p>308,835</p>\n</td>\n<td width=\"156\">\n<p>643,118</p>\n</td>\n<td width=\"156\">\n<p>1,000,802</p>\n</td>\n<td width=\"156\">\n<p>80%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings. CAGR = compound annual growth rate.</p>\n<p>Going forward, as Lemonade continues to add new customers and collect even more data, its AI algorithms should become increasingly intelligent, which should mean better underwriting and fraud detection, more effective marketing, better prices, and happier customers over time.</p>\n<p>This creates a flywheel effect that will help Lemonade gain ground in the $5 trillion insurance market.</p><div></div>\n<h2>3. Strong growth strategy</h2>\n<p>Lemonade's growth strategy focuses on four key objectives: adding new customers, upselling existing customers, launching new products, and expanding into new geographies.</p>\n<p>When Lemonade went public last year, it sold only property and casualty insurance products (renters, homeowners, and condo policies) in 27 states in the U.S., along with Germany and the Netherlands. Since that time, the company has expanded into France, added pet insurance and term life insurance to its portfolio, and now offers at least one product in all 50 states.</p>\n<p>What's more, during Lemonade's most recent earnings call, COO Shai Wininger told investors the company is already working on its next product. Though he didn't provide specific details, Wininger did say it could be \"the most significant launch\" the company has ever done.</p>\n<p>Finally, in the fourth-quarter shareholder letter, management indicated that the sequential growth rate of customers with multiple policies was five times greater than that of customers with a single policy. In other words, Lemonade is effectively upselling existing customers, and that trend should intensify as the company continues to launch new insurance products.</p>\n<p>The bottom line is this: Lemonade's growth strategy is working on all fronts. As a result, the company's ability to monetize each customer is improving.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>Q4 2018</p>\n</th>\n<th>\n<p>Q4 2019</p>\n</th>\n<th>\n<p>Q4 2020</p>\n</th>\n<th>\n<p>CAGR</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"174\">\n<p>Premium per customer</p>\n</td>\n<td width=\"156\">\n<p>$145</p>\n</td>\n<td width=\"156\">\n<p>$177</p>\n</td>\n<td width=\"156\">\n<p>$213</p>\n</td>\n<td width=\"138\">\n<p>21%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings. CAGR = compound annual growth rate.</p>\n<h2>A final word</h2>\n<p>Investors should remember that Lemonade is still a tiny business in a highly competitive industry. Compared to titanic rivals like <strong>Berkshire Hathaway</strong> (which trades at just over two times sales), Lemonade's valuation of 61 times sales is absurdly pricey.</p>\n<p>Even so, Lemonade has the potential to disrupt a massive market, and many disruptors are labeled as overvalued until all the pieces click into place. That's why buying a few shares of Lemonade today could make you look like a genius a decade from now.</p>\n<div></div>\n</span></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-16 00:00 GMT+8 <a href=https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/><strong>Trevor Jennewine</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Since its initial public offering (IPO) last July, Lemonade (NYSE:LMND) stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LMND":"Lemonade, Inc."},"source_url":"https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2119297581","content_text":"Since its initial public offering (IPO) last July, Lemonade (NYSE:LMND) stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of its value and bottomed out at $87 per share in early March. Since then, the share price has climbed back over $100, but it's still down 40% from its 52-week high.\nIt never feels good to lose money, but this volatility is to be expected with a disruptive growth company like Lemonade. Rather than sell out of fear, investors should take this opportunity to buy a few shares while they're on sale.\n1. Data-driven business\nLemonade collects far more data than a traditional insurance company, and it uses that data to power the artificial intelligence that drives its business. That gives the company a big advantage.\n\nImage source: Getty Images\n\nFor example, Lemonade uses AI chatbots to sell insurance and process claims, which means the company needs fewer agents and adjusters (i.e. the people who sell policies and handle claims for traditional insurance companies). In fact, Lemonade has just one employee per 1,700 customers, while its rivals typically require one employee per 150 to 450 customers.\nBut the AI chatbots are more than just a customer engagement gimmick. They leverage vast amounts of data to quantify risk when pricing policies and paying claims. Lemonade believes this will lead to more precise underwriting and fraud detection over time, and those advantages should translate into a lower loss ratio (the percentage of premiums paid out in claims).\nSo far, this strategy is working. Lemonade's loss ratio has dropped substantially in recent years. Moreover, at 71% in 2020, its loss ratio is below the industry average in the property and casualty insurance market. That's encouraging for such a young company.\n\n\n\n\nMetric\n\n\n2017\n\n\n2018\n\n\n2019\n\n\n2020\n\n\n\n\n\n\nGross loss ratio\n\n\n161%\n\n\n113%\n\n\n79%\n\n\n71%\n\n\n\n\nData source: Lemonade SEC filings.\nUltimately, as its business scales, Lemonade's data-driven model should make it more efficient (and more profitable) than the competition.\n2. Delightful customer experience\nLemonade's digital strategy also has another benefit: It's more customer-friendly. The AI chatbots make it possible for customers to purchase insurance in just two minutes, while allowing the company to pay claims in as little as three seconds. Moreover, because this automation means Lemonade incurs fewer expenses, its prices are often lower than those of its rivals.\nNot surprisingly, Lemonade's focus on providing a friendly user experience has helped it add new customers quickly. In 2020, just four years after the company was founded, it surpassed one million customers. To put that in perspective, Lemonade hit that milestone five to 10 times faster than today's market-leading incumbents.\n\n\n\n\nMetric\n\n\n2018\n\n\n2019\n\n\n2020\n\n\nCAGR\n\n\n\n\n\n\nCustomers\n\n\n308,835\n\n\n643,118\n\n\n1,000,802\n\n\n80%\n\n\n\n\nData source: Lemonade SEC filings. CAGR = compound annual growth rate.\nGoing forward, as Lemonade continues to add new customers and collect even more data, its AI algorithms should become increasingly intelligent, which should mean better underwriting and fraud detection, more effective marketing, better prices, and happier customers over time.\nThis creates a flywheel effect that will help Lemonade gain ground in the $5 trillion insurance market.\n3. Strong growth strategy\nLemonade's growth strategy focuses on four key objectives: adding new customers, upselling existing customers, launching new products, and expanding into new geographies.\nWhen Lemonade went public last year, it sold only property and casualty insurance products (renters, homeowners, and condo policies) in 27 states in the U.S., along with Germany and the Netherlands. Since that time, the company has expanded into France, added pet insurance and term life insurance to its portfolio, and now offers at least one product in all 50 states.\nWhat's more, during Lemonade's most recent earnings call, COO Shai Wininger told investors the company is already working on its next product. Though he didn't provide specific details, Wininger did say it could be \"the most significant launch\" the company has ever done.\nFinally, in the fourth-quarter shareholder letter, management indicated that the sequential growth rate of customers with multiple policies was five times greater than that of customers with a single policy. In other words, Lemonade is effectively upselling existing customers, and that trend should intensify as the company continues to launch new insurance products.\nThe bottom line is this: Lemonade's growth strategy is working on all fronts. As a result, the company's ability to monetize each customer is improving.\n\n\n\n\nMetric\n\n\nQ4 2018\n\n\nQ4 2019\n\n\nQ4 2020\n\n\nCAGR\n\n\n\n\n\n\nPremium per customer\n\n\n$145\n\n\n$177\n\n\n$213\n\n\n21%\n\n\n\n\nData source: Lemonade SEC filings. CAGR = compound annual growth rate.\nA final word\nInvestors should remember that Lemonade is still a tiny business in a highly competitive industry. Compared to titanic rivals like Berkshire Hathaway (which trades at just over two times sales), Lemonade's valuation of 61 times sales is absurdly pricey.\nEven so, Lemonade has the potential to disrupt a massive market, and many disruptors are labeled as overvalued until all the pieces click into place. That's why buying a few shares of Lemonade today could make you look like a genius a decade from now.","news_type":1,"symbols_score_info":{"LMND":1}},"isVote":1,"tweetType":1,"viewCount":962,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":360534599,"gmtCreate":1613955060111,"gmtModify":1613955060111,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心","listText":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心","text":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 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Inc.(AITX)$</a>设了个0.18的止损发生了。","listText":"<a href=\"https://laohu8.com/S/AITX\">$Artificial Intelligence Technology Solutions Inc.(AITX)$</a>设了个0.18的止损发生了。","text":"$Artificial Intelligence Technology Solutions Inc.(AITX)$设了个0.18的止损发生了。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/387024579","isVote":1,"tweetType":1,"viewCount":2139,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":861187852,"gmtCreate":1632470885576,"gmtModify":1632470885576,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"another Teslaq.","listText":"another Teslaq.","text":"another Teslaq.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/861187852","repostId":"2169893693","repostType":2,"isVote":1,"tweetType":1,"viewCount":1235,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":189009997,"gmtCreate":1623230126319,"gmtModify":1623230126319,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"刚刚买了45股","listText":"刚刚买了45股","text":"刚刚买了45股","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/189009997","repostId":"2142292466","repostType":2,"repost":{"id":"2142292466","kind":"highlight","pubTimestamp":1623221229,"share":"https://ttm.financial/m/news/2142292466?lang=&edition=full","pubTime":"2021-06-09 14:47","market":"us","language":"zh","title":"特斯拉不好卖了?摩根大通做了实地调研","url":"https://stock-news.laohu8.com/highlight/detail?id=2142292466","media":"华尔街见闻","summary":"通过实地考察,摩根大通发现,特斯拉国内销量环比明显下降,智能电动车市场的竞争态势加剧。","content":"<html><body><p>彭博和路透社今天报道称,<a href=\"https://laohu8.com/S/TSLA\">特斯拉</a>5月在中国的订单量比4月减少了一半。</p>\n<p>为了核实报道的真实性,并分析中国电动汽车市场的竞争态势,<a href=\"https://laohu8.com/S/JPM\">摩根大通</a>实地走访了上海的三家特斯拉门店。</p>\n<h2><strong>等待期缩短</strong></h2>\n<p>与2021年第1季度相比,Model 3/Y客户的等待期普遍缩短。</p>\n<p>出现这种情况的主要原因是上海市政府简化了购车人根据上海市购车配额规定获得“绿色车牌”的上牌流程。</p>\n<p>此前从下订单到最后交车(包括获得正式绿色车牌)需要2至3个月,目前的总体等待时间缩短为1至3周。</p>\n<p><img src=\"https://wpimg.wallstcn.com/f0bee6b6-891b-4e67-ba2f-6118a35f1f1a.png\"/></p>\n<h2>国内销量环比下降</h2>\n<p>特斯拉销售人员表示,今年门店客流量、兴趣水平或咨询量变化不大,尽管最近在上海车展上出现了抗议活动、或当地媒体最近报道了对特斯拉刹车系统的担心。</p>\n<p>从中国乘用车市场信息联合会(CPCA)发布的公开信息来看,2020年4季度至2021年1季度,特斯拉上海工厂总计生产了144,888辆车(包括Model 3/Y),同期在国内市场销售126,831辆,出口11,052辆。</p>\n<p>2021年4月,特斯拉上海工厂的交付量为25,848辆Model 3/Y,其中14,174辆(占比55%)销往出口市场,表明国内销量较3月份月度同比环比下降67%。</p>\n<p><img src=\"https://wpimg.wallstcn.com/acaca025-127d-495c-9d87-fd24f3e4fd4c.png\"/></p>\n<h2>竞争升温</h2>\n<p>值得注意的是,在4月举行的上海车展上,所有中国和外国品牌向市场推出的新款新能源汽车车型数量激增。</p>\n<p>与Model 3/Y的目标价位相似的水平上,客户现在有了中外品牌提供的更多选择,且功能和技术都极具竞争力,如福特的野马、大众的ID4和ID6、吉利的极氪、小鹏 P5、理想的新款ONE等。</p>\n<p>摩根大通认为,<a href=\"https://laohu8.com/S/5RE.SI\">智能</a>电动车市场的竞争与中国电池行业竞争情况类似。</p>\n<p>在过去10年里,中国的注册电池供应商已从接近200家大幅下降至目前的不足30-40家。在经历了竞争和行业整合后幸存下来的企业中,根据市场份额或盈利能力,只有前5大或最多前10大供应商才算是真正有竞争力的供应商。</p>\n<p>鉴于行业增长潜力巨大,目前有大量新厂商进入市场。摩根大通预计,在未来12至24个月,将会有更多竞争对手与特斯拉分食同一个市场,这种市场动态与<a href=\"https://laohu8.com/S/AAPL\">苹果</a>于2007年扩大在华业务后智能手机所经历的情况类似。</p></body></html>","source":"wallstreetcn_api","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>特斯拉不好卖了?摩根大通做了实地调研</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; 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.h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n特斯拉不好卖了?摩根大通做了实地调研\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-09 14:47 北京时间 <a href=https://wallstreetcn.com/articles/3632526><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>彭博和路透社今天报道称,特斯拉5月在中国的订单量比4月减少了一半。\n为了核实报道的真实性,并分析中国电动汽车市场的竞争态势,摩根大通实地走访了上海的三家特斯拉门店。\n等待期缩短\n与2021年第1季度相比,Model 3/Y客户的等待期普遍缩短。\n出现这种情况的主要原因是上海市政府简化了购车人根据上海市购车配额规定获得“绿色车牌”的上牌流程。\n此前从下订单到最后交车(包括获得正式绿色车牌)需要2至3...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3632526\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/9749762c5ee11a52030b4c66a89c8026","relate_stocks":{"JPM":"摩根大通","TSLA":"特斯拉"},"source_url":"https://wallstreetcn.com/articles/3632526","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2142292466","content_text":"彭博和路透社今天报道称,特斯拉5月在中国的订单量比4月减少了一半。\n为了核实报道的真实性,并分析中国电动汽车市场的竞争态势,摩根大通实地走访了上海的三家特斯拉门店。\n等待期缩短\n与2021年第1季度相比,Model 3/Y客户的等待期普遍缩短。\n出现这种情况的主要原因是上海市政府简化了购车人根据上海市购车配额规定获得“绿色车牌”的上牌流程。\n此前从下订单到最后交车(包括获得正式绿色车牌)需要2至3个月,目前的总体等待时间缩短为1至3周。\n\n国内销量环比下降\n特斯拉销售人员表示,今年门店客流量、兴趣水平或咨询量变化不大,尽管最近在上海车展上出现了抗议活动、或当地媒体最近报道了对特斯拉刹车系统的担心。\n从中国乘用车市场信息联合会(CPCA)发布的公开信息来看,2020年4季度至2021年1季度,特斯拉上海工厂总计生产了144,888辆车(包括Model 3/Y),同期在国内市场销售126,831辆,出口11,052辆。\n2021年4月,特斯拉上海工厂的交付量为25,848辆Model 3/Y,其中14,174辆(占比55%)销往出口市场,表明国内销量较3月份月度同比环比下降67%。\n\n竞争升温\n值得注意的是,在4月举行的上海车展上,所有中国和外国品牌向市场推出的新款新能源汽车车型数量激增。\n与Model 3/Y的目标价位相似的水平上,客户现在有了中外品牌提供的更多选择,且功能和技术都极具竞争力,如福特的野马、大众的ID4和ID6、吉利的极氪、小鹏 P5、理想的新款ONE等。\n摩根大通认为,智能电动车市场的竞争与中国电池行业竞争情况类似。\n在过去10年里,中国的注册电池供应商已从接近200家大幅下降至目前的不足30-40家。在经历了竞争和行业整合后幸存下来的企业中,根据市场份额或盈利能力,只有前5大或最多前10大供应商才算是真正有竞争力的供应商。\n鉴于行业增长潜力巨大,目前有大量新厂商进入市场。摩根大通预计,在未来12至24个月,将会有更多竞争对手与特斯拉分食同一个市场,这种市场动态与苹果于2007年扩大在华业务后智能手机所经历的情况类似。","news_type":1,"symbols_score_info":{"JPM":1,"TSLA":1}},"isVote":1,"tweetType":1,"viewCount":1730,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":327868064,"gmtCreate":1616076823958,"gmtModify":1616077051182,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","listText":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","text":"I hope so. it once made me richer in 2020 but i didn't sell a share , and was still buying at 180+. will hold them until 500+ even if it'll take me 5 years.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/327868064","repostId":"2119297581","repostType":2,"repost":{"id":"2119297581","kind":"news","pubTimestamp":1615824000,"share":"https://ttm.financial/m/news/2119297581?lang=&edition=full","pubTime":"2021-03-16 00:00","market":"us","language":"en","title":"3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)","url":"https://stock-news.laohu8.com/highlight/detail?id=2119297581","media":"Trevor Jennewine","summary":"This tech company is disrupting the trillion-dollar insurance industry.","content":"<html><body><span>\n<p>Since its initial public offering (IPO) last July, <strong>Lemonade</strong> <span>(NYSE:LMND)</span> stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of its value and bottomed out at $87 per share in early March. Since then, the share price has climbed back over $100, but it's still down 40% from its 52-week high.</p>\n<p>It never feels good to lose money, but this volatility is to be expected with a disruptive growth company like Lemonade. Rather than sell out of fear, investors should take this opportunity to buy a few shares while they're on sale.</p>\n<h2>1. Data-driven business</h2>\n<p>Lemonade collects far more data than a traditional insurance company, and it uses that data to power the artificial intelligence that drives its business. That gives the company a big advantage.</p>\n<div><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F618106%2Fman-touching-digital-dollar-sign.jpg&w=700&op=resize\" srcset=\"https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=300&op=resize 300w, https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=1000&op=resize 1000w, https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/618106/man-touching-digital-dollar-sign.jpg&w=2000&op=resize 2000w\"/>\n<p>Image source: Getty Images</p>\n</div>\n<p>For example, Lemonade uses AI chatbots to sell insurance and process claims, which means the company needs fewer agents and adjusters (i.e. the people who sell policies and handle claims for traditional insurance companies). In fact, Lemonade has just <a href=\"https://laohu8.com/S/AONE\">one</a> employee per 1,700 customers, while its rivals typically require <a href=\"https://laohu8.com/S/AONE.U\">one</a> employee per 150 to 450 customers.</p>\n<p>But the AI chatbots are more than just a customer engagement gimmick. They leverage vast amounts of data to quantify risk when pricing policies and paying claims. Lemonade believes this will lead to more precise underwriting and fraud detection over time, and those advantages should translate into a lower loss ratio (the percentage of premiums paid out in claims).</p><div></div>\n<p>So far, this strategy is working. Lemonade's loss ratio has dropped substantially in recent years. Moreover, at 71% in 2020, its loss ratio is below the industry average in the property and casualty insurance market. That's encouraging for such a young company.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>2017</p>\n</th>\n<th>\n<p>2018</p>\n</th>\n<th>\n<p>2019</p>\n</th>\n<th>\n<p>2020</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"125\">\n<p>Gross loss ratio</p>\n</td>\n<td width=\"125\">\n<p>161%</p>\n</td>\n<td width=\"125\">\n<p>113%</p>\n</td>\n<td width=\"125\">\n<p>79%</p>\n</td>\n<td width=\"125\">\n<p>71%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings.</p>\n<p>Ultimately, as its business scales, Lemonade's data-driven model should make it more efficient (and more profitable) than the competition.</p>\n<h2>2. Delightful customer experience</h2>\n<p>Lemonade's digital strategy also has another benefit: It's more customer-friendly. The AI chatbots make it possible for customers to purchase insurance in just two minutes, while allowing the company to pay claims in as little as three seconds. Moreover, because this automation means Lemonade incurs fewer expenses, its prices are often lower than those of its rivals.</p><div></div>\n<p>Not surprisingly, Lemonade's focus on providing a friendly user experience has helped it add new customers quickly. In 2020, just four years after the company was founded, it surpassed one million customers. To put that in perspective, Lemonade hit that milestone five to 10 times faster than today's market-leading incumbents.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>2018</p>\n</th>\n<th>\n<p>2019</p>\n</th>\n<th>\n<p>2020</p>\n</th>\n<th>\n<p>CAGR</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"156\">\n<p>Customers</p>\n</td>\n<td width=\"156\">\n<p>308,835</p>\n</td>\n<td width=\"156\">\n<p>643,118</p>\n</td>\n<td width=\"156\">\n<p>1,000,802</p>\n</td>\n<td width=\"156\">\n<p>80%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings. CAGR = compound annual growth rate.</p>\n<p>Going forward, as Lemonade continues to add new customers and collect even more data, its AI algorithms should become increasingly intelligent, which should mean better underwriting and fraud detection, more effective marketing, better prices, and happier customers over time.</p>\n<p>This creates a flywheel effect that will help Lemonade gain ground in the $5 trillion insurance market.</p><div></div>\n<h2>3. Strong growth strategy</h2>\n<p>Lemonade's growth strategy focuses on four key objectives: adding new customers, upselling existing customers, launching new products, and expanding into new geographies.</p>\n<p>When Lemonade went public last year, it sold only property and casualty insurance products (renters, homeowners, and condo policies) in 27 states in the U.S., along with Germany and the Netherlands. Since that time, the company has expanded into France, added pet insurance and term life insurance to its portfolio, and now offers at least one product in all 50 states.</p>\n<p>What's more, during Lemonade's most recent earnings call, COO Shai Wininger told investors the company is already working on its next product. Though he didn't provide specific details, Wininger did say it could be \"the most significant launch\" the company has ever done.</p>\n<p>Finally, in the fourth-quarter shareholder letter, management indicated that the sequential growth rate of customers with multiple policies was five times greater than that of customers with a single policy. In other words, Lemonade is effectively upselling existing customers, and that trend should intensify as the company continues to launch new insurance products.</p>\n<p>The bottom line is this: Lemonade's growth strategy is working on all fronts. As a result, the company's ability to monetize each customer is improving.</p>\n<div><table>\n<thead>\n<tr>\n<th>\n<p>Metric</p>\n</th>\n<th>\n<p>Q4 2018</p>\n</th>\n<th>\n<p>Q4 2019</p>\n</th>\n<th>\n<p>Q4 2020</p>\n</th>\n<th>\n<p>CAGR</p>\n</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td width=\"174\">\n<p>Premium per customer</p>\n</td>\n<td width=\"156\">\n<p>$145</p>\n</td>\n<td width=\"156\">\n<p>$177</p>\n</td>\n<td width=\"156\">\n<p>$213</p>\n</td>\n<td width=\"138\">\n<p>21%</p>\n</td>\n</tr>\n</tbody>\n</table></div>\n<p>Data source: Lemonade SEC filings. CAGR = compound annual growth rate.</p>\n<h2>A final word</h2>\n<p>Investors should remember that Lemonade is still a tiny business in a highly competitive industry. Compared to titanic rivals like <strong>Berkshire Hathaway</strong> (which trades at just over two times sales), Lemonade's valuation of 61 times sales is absurdly pricey.</p>\n<p>Even so, Lemonade has the potential to disrupt a massive market, and many disruptors are labeled as overvalued until all the pieces click into place. That's why buying a few shares of Lemonade today could make you look like a genius a decade from now.</p>\n<div></div>\n</span></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Reasons Lemonade Could Make You Rich in 2021 (and Beyond)\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-16 00:00 GMT+8 <a href=https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/><strong>Trevor Jennewine</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Since its initial public offering (IPO) last July, Lemonade (NYSE:LMND) stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LMND":"Lemonade, Inc."},"source_url":"https://www.fool.com/investing/2021/03/16/3-reasons-lemonade-make-you-rich-2021-and-beyond/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2119297581","content_text":"Since its initial public offering (IPO) last July, Lemonade (NYSE:LMND) stock has taken investors for a wild ride. After closing at a high of $183 in January, it subsequently lost more than half of its value and bottomed out at $87 per share in early March. Since then, the share price has climbed back over $100, but it's still down 40% from its 52-week high.\nIt never feels good to lose money, but this volatility is to be expected with a disruptive growth company like Lemonade. Rather than sell out of fear, investors should take this opportunity to buy a few shares while they're on sale.\n1. Data-driven business\nLemonade collects far more data than a traditional insurance company, and it uses that data to power the artificial intelligence that drives its business. That gives the company a big advantage.\n\nImage source: Getty Images\n\nFor example, Lemonade uses AI chatbots to sell insurance and process claims, which means the company needs fewer agents and adjusters (i.e. the people who sell policies and handle claims for traditional insurance companies). In fact, Lemonade has just one employee per 1,700 customers, while its rivals typically require one employee per 150 to 450 customers.\nBut the AI chatbots are more than just a customer engagement gimmick. They leverage vast amounts of data to quantify risk when pricing policies and paying claims. Lemonade believes this will lead to more precise underwriting and fraud detection over time, and those advantages should translate into a lower loss ratio (the percentage of premiums paid out in claims).\nSo far, this strategy is working. Lemonade's loss ratio has dropped substantially in recent years. Moreover, at 71% in 2020, its loss ratio is below the industry average in the property and casualty insurance market. That's encouraging for such a young company.\n\n\n\n\nMetric\n\n\n2017\n\n\n2018\n\n\n2019\n\n\n2020\n\n\n\n\n\n\nGross loss ratio\n\n\n161%\n\n\n113%\n\n\n79%\n\n\n71%\n\n\n\n\nData source: Lemonade SEC filings.\nUltimately, as its business scales, Lemonade's data-driven model should make it more efficient (and more profitable) than the competition.\n2. Delightful customer experience\nLemonade's digital strategy also has another benefit: It's more customer-friendly. The AI chatbots make it possible for customers to purchase insurance in just two minutes, while allowing the company to pay claims in as little as three seconds. Moreover, because this automation means Lemonade incurs fewer expenses, its prices are often lower than those of its rivals.\nNot surprisingly, Lemonade's focus on providing a friendly user experience has helped it add new customers quickly. In 2020, just four years after the company was founded, it surpassed one million customers. To put that in perspective, Lemonade hit that milestone five to 10 times faster than today's market-leading incumbents.\n\n\n\n\nMetric\n\n\n2018\n\n\n2019\n\n\n2020\n\n\nCAGR\n\n\n\n\n\n\nCustomers\n\n\n308,835\n\n\n643,118\n\n\n1,000,802\n\n\n80%\n\n\n\n\nData source: Lemonade SEC filings. CAGR = compound annual growth rate.\nGoing forward, as Lemonade continues to add new customers and collect even more data, its AI algorithms should become increasingly intelligent, which should mean better underwriting and fraud detection, more effective marketing, better prices, and happier customers over time.\nThis creates a flywheel effect that will help Lemonade gain ground in the $5 trillion insurance market.\n3. Strong growth strategy\nLemonade's growth strategy focuses on four key objectives: adding new customers, upselling existing customers, launching new products, and expanding into new geographies.\nWhen Lemonade went public last year, it sold only property and casualty insurance products (renters, homeowners, and condo policies) in 27 states in the U.S., along with Germany and the Netherlands. Since that time, the company has expanded into France, added pet insurance and term life insurance to its portfolio, and now offers at least one product in all 50 states.\nWhat's more, during Lemonade's most recent earnings call, COO Shai Wininger told investors the company is already working on its next product. Though he didn't provide specific details, Wininger did say it could be \"the most significant launch\" the company has ever done.\nFinally, in the fourth-quarter shareholder letter, management indicated that the sequential growth rate of customers with multiple policies was five times greater than that of customers with a single policy. In other words, Lemonade is effectively upselling existing customers, and that trend should intensify as the company continues to launch new insurance products.\nThe bottom line is this: Lemonade's growth strategy is working on all fronts. As a result, the company's ability to monetize each customer is improving.\n\n\n\n\nMetric\n\n\nQ4 2018\n\n\nQ4 2019\n\n\nQ4 2020\n\n\nCAGR\n\n\n\n\n\n\nPremium per customer\n\n\n$145\n\n\n$177\n\n\n$213\n\n\n21%\n\n\n\n\nData source: Lemonade SEC filings. CAGR = compound annual growth rate.\nA final word\nInvestors should remember that Lemonade is still a tiny business in a highly competitive industry. Compared to titanic rivals like Berkshire Hathaway (which trades at just over two times sales), Lemonade's valuation of 61 times sales is absurdly pricey.\nEven so, Lemonade has the potential to disrupt a massive market, and many disruptors are labeled as overvalued until all the pieces click into place. That's why buying a few shares of Lemonade today could make you look like a genius a decade from now.","news_type":1,"symbols_score_info":{"LMND":1}},"isVote":1,"tweetType":1,"viewCount":962,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":360534599,"gmtCreate":1613955060111,"gmtModify":1613955060111,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心","listText":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心","text":"看到前面的官话,就直接放弃阅读了。。。还是youtube twitter 言简意赅直达核心","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/360534599","repostId":"1129445314","repostType":4,"isVote":1,"tweetType":1,"viewCount":1608,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":337256981,"gmtCreate":1611154102943,"gmtModify":1703748416809,"author":{"id":"3480851654332931","authorId":"3480851654332931","name":"易燃易爆的汤圆","avatar":"https://static.tigerbbs.com/8570f8c3b6c7527ae10c47b61f40e8ff","crmLevel":9,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3480851654332931","authorIdStr":"3480851654332931"},"themes":[],"htmlText":"跌下来我好大幅加仓。一直后悔百元以下时买的太少,目前只占到20-%","listText":"跌下来我好大幅加仓。一直后悔百元以下时买的太少,目前只占到20-%","text":"跌下来我好大幅加仓。一直后悔百元以下时买的太少,目前只占到20-%","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/337256981","repostId":"2104199209","repostType":2,"isVote":1,"tweetType":1,"viewCount":2013,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}