Raw signal, scraped and timestamped.

PYPL - Stock analysis July 16

Florida homeowners insurer HCI Group: 18% true FCF yield, $4B reinsurance program, legally mandated customer pipeline from Citizens Insurance. I also pulled 15 years of data instead of just the good 3. The honest normalized yield is closer to 12%. Here's why I still own it.

The easy version of this story: HCI Group is a Tampa-based Florida homeowners insurer trading at 8x P/E, 18% true FCF yield, with a CEO who's been buying its newly IPO'd tech subsidiary Exzeo in the open market every two …

HCI Group deep dive: normalized FCF yield after reserve release adjustment, statutory subsidiary dividend caps, Citizens 20% depopulation mechanics, and two-storm empirical loss history. Looking for pushback on the reinsurance structure and the tort reform durability thesis.

The two analytical questions I'd most welcome pushback on from this community: First: how durable is the 2022-2023 Florida tort reform improvement? The loss ratio improvement from 55% to 29% is partly structural and partly a reserve release tailwind. My …

Fundamental DD: The raw numbers on QYOU Media ($QYOU.V / $QYOUF) — $32M Revenue, 46.7M Float, and Q3 Catalysts.

​I’m sharing this because the data is sitting right out in the open, but the trading volume has gone completely quiet. No hype, just the fundamental setup on QYOU Media (TSXV: $QYOU / OTC:$QYOUF) based on their latest mid-June filings. …

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Wendy dedicated subreddit

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Verizon Looks Pretty Attractive Here (Valuation)

[Here's the full post if you don't just want to read text.](https://riskpremiumresearch.substack.com/p/verizon-valuation) # Thesis I feel like some of these telecom names are starting to get too cheap to ignore. They have incredibly stable businesses and actually pretty decent margins. …

How did I do

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Anyone else in or looking at Jack In The Box

So I didn't realize what this stock was going through until about 2 weeks ago. After doing some research, it definitely has a massive short squeeze written all over it. At the least, it's new leadership and restructuring and consensus …

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