$NOVO B (-5,05 %) 29,50€

$UNH (-2,08 %) 230€

$TSLA (+2,5 %) 400€

$MSFT (-1,06 %) 385€

$PLTR (+2,04 %) 69€

$HIMS (-8,83 %) 35€

$NVDA (+0,4 %) 130€

$DRO (+6,03 %) 1,49€

$RHM (+0 %) 1750€

$LMND (+3,71 %) 24€

$OSCR 9,89€

$MUV2 (+1,59 %) 599€

$ASML (-0,49 %) 549€

$MC (+0,71 %) 401€

$LMND (+3,71 %)

One of the most impressive key figures when you have growth of 80 % (800,000 customers)

while operating costs continue to fall.

This shows very nicely how AI and automation can have an impact on a company/business model that has been built and trained from the ground up with artificial intelligence.

There are hardly any other companies where the number of employees remains almost the same or the number of employees is likely to have decreased between 2022 and 2025, but the company continues to grow strongly.

Employees 2022: approx. 1367

Employees 2025 approx. 1235

(According to my internet research)

$PGR (+0,85 %)
$BRO (-0,95 %)
$ALV (+1,4 %)
$MUV2 (+1,59 %)
$ALL (+1,13 %)
$UNH (-2,08 %)
$HNR1 (+0,59 %)
$BRK.B (+0,47 %)
$ZURN (+1,23 %)
$CS (+0,4 %)

$LMND (+3,71 %)

• Revenue: $164.1M (Est. $161.4M) ✅; UP +46% YoY
• EPS: -$0.60 (Est. -$0.80) ✅
• In-Force Premium: $840M; UP +22% YoY

Customer & Premium Metrics

• Premium per Customer: $394; UP +11% YoY
• Total Customers: 2.1M; UP +10% YoY
• Policies in Force: 2.13M
• Annual Dollar Retention (ADR): 87%

Other Q2 Metrics:

• Gross Profit: $41.3M; UP +91% YoY
• Adj EBITDA: -$30.4M
• Net Loss: $41.6M
• Gross Loss Ratio: 77% (vs. 94% YoY)
• Cash & Investments: $888M
• Net Cash Used in Operating Activities: -$29.8M

CEO comment:

🟡 "We achieved record sales and margin improvements. This is the strongest second quarter in Lemonade's history."

🟡 "We are on track to achieve our target of adjusted EBITDA profitability by mid-2026."

$BRO (-0,95 %)
$BRK.B (+0,47 %)
$BRK.A (+0,46 %)
$PGR (+0,85 %)
$ALV (+1,4 %)
$MUV2 (+1,59 %)
$CS (+0,4 %)
$HNR1 (+0,59 %)
$UNH (-2,08 %)
$ALL (+1,13 %)
$601318
$CB (+0 %)
$ZURN (+1,23 %)
$TLX (+0,79 %)
$HSX (+9 %)

$BNTX (-1,82 %)
$KSPI (-1,69 %)
$HIMS (-8,83 %)
$MELI (-3,84 %)
$PLTR (+2,04 %)
$DRO (+6,03 %)
$IFX (-2,88 %)
$9434 (-0,87 %)
$FR0010108928
$DHL (+0,49 %)
$BOSS (-0,52 %)
$CONTININS
$DOCN (+4,32 %)
$LMND (+3,71 %)
$BP. (+1,65 %)
$FRA (+3,66 %)
$PFIZER
$SNAP (-3,62 %)
$AMD (-2,23 %)
$SMCI (-6,49 %)
$OPEN (-4,64 %)
$CPNG (-9,7 %)
$LCID (-2,96 %)
$CBK (+0,17 %)
$ZAL (-13,8 %)
$NOVO B (-5,05 %)
$VNA (+3,6 %)
$BAYN (-9,3 %)
$UBER (-2,37 %)
$SHOP (+20,18 %)
$MCD (+3,05 %)
$DIS (-3,01 %)
$ROK (-7,56 %)
$ABNB (-0,77 %)
$RUN (-4,01 %)
$FTNT (-0,53 %)
$O (-1,2 %)
$DASH (+0,6 %)
$DUOL
$S92 (+0,44 %)
$DDOG (+1,11 %)
$SEDG (-3,55 %)
$QBTS (-4,49 %)
$RHM (+0 %)
$DTE (-0,72 %)
$ALV (+1,4 %)
$LLY (-4,05 %)
$CYBR (+0,54 %)
$PTON (+1,95 %)
$DKNG (+1,32 %)
$RL (-0,18 %)
$PINS
$TTWO (-0,18 %)
$TWLO (+2,14 %)
$MNST (-0,34 %)
$STNE (+3,81 %)
$MUV2 (+1,59 %)
$WEED (-5,53 %)
$GOOS (-0,14 %)
$PETR3T
$ANET (+2 %)

I sold my PayPal position today with a profit of around +15%. In contrast to many other investors, who are now completely turning their backs on the stock, my decision was primarily based on the charts. 🧐

Since April, I have seen many overlaps in the upward movement, which for me is an indication of a corrective structure and not a sustained change in trend. 👋

I personally think it is realistic that PayPal can / will form a lower low.

Although there are no acute fundamental problems, growth is flattening out somewhat, competition is increasing and the market unfortunately has little confidence in the management at present.

I have used the profits to

• mine $VWRL (+0,01 %) as the largest position and
• build up a further position in $MUV2 (+1,59 %) build up

How do you currently see PayPal? Still turnaround potential or just a technical countermovement in a downward trend?

$MUV2 (+1,59 %)

▪️ Net profit Q2: approx. € 2.1 bn (significantly above consensus of € 1.624 bn)

▪️ Drivers: Low major losses, strong investment result

▪️ ERGO: In line with expectations, life reinsurance under pressure

▪️ Currency effect: Negative due to USD devaluation

▪️ H1 net profit: approx. € 3.2 billion

📌 Annual target for 2025: € 6 billion confirmed

Hello!

Since yesterday $SHEL (-0,43 %) represents the largest allocation in my entire portfolio.

I took advantage of yesterday's "market situation" and continued to butter up a few other stocks.

Specifically, I have increased my positions in $V (-0,26 %) , $HNR1 (+0,59 %) , $MUV2 (+1,59 %) and $SHEL (-0,43 %) have been increased.

I already invest in Shell on a regular basis anyway.

Do you also have certain stocks that make up a particularly high percentage of your portfolio? And if so, why/why?

$HNR1 (+0,59 %)

Having already added shares in $MUV2 (+1,59 %) in my portfolio last month, the next purchase in the reinsurance sector followed today.

Today the $HNR1 (+0,59 %) found its way into my portfolio today. (In a nutshell, as an insurance broker, I'm simply a huge fan of reinsurers) 😉

In my opinion, it is particularly remarkable that the $HNR1 (+0,59 %) recently overtook $SREN (+2,43 %) and is now the second largest reinsurer in the world directly behind Munich Re.

In my opinion, a decisive advantage here is the high equity ratio of the $HNR1 (+0,59 %) particularly in comparison with Munich Re, this provides the $HNR1 (+0,59 %) additional stability and flexibility in an already challenging market environment.

What do you think about insurance companies and their reinsurers?

It was only recently that I decided to say goodbye to my individual shares $ALV (+1,4 %)
$MUV2 (+1,59 %)
$SREN (+2,43 %)
$CS (+0,4 %) and $ZURN (+1,23 %) and to invest in a corresponding ETF instead - the desire for (re)insurers was too great, but the budget for the sector was too low. With $EXH5 (+1,38 %) I have found a solid ETF for myself that has a strong weighting in the (re)insurers that appeal to me (currently $ALV (+1,4 %) with just under 18%, followed by $ZURN (+1,23 %) with 12% and $CS (+0,4 %) and $MUV2 (+1,59 %) with just under 10% each).

At the next payout, hopefully there will be a full share as a dividend so that there is enough for liability insurance that also covers the wife and child 😁

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0,73 %) Deka DividenenStrategie - €100 per month.
• $CSPX (+0,05 %) Ishares S&P 500 - 50 €/month
• $VWCE (-0,01 %) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0,47 %) Berkshire Hathaway B - €50/month
• $SMEA (-0,22 %) Ishares MSCI Europe 50 €/month
• $VHYL (-0,16 %) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (+1,59 %) , $AMZN (+3,02 %) , $AAPL (+5,06 %) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,55 %) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+1,1 %) buy.

Should be removed from the portfolio:

• $TGT (+2,89 %) Target
• $NKE (+1,18 %) Nike
• $D6RF (-0,45 %) Deka Umweltinvest
• $DEDG (-0,21 %) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)