Harry Harrison @HarryH1993: "Why read about earnings reports..."

United Kingdom

Why read about earnings reports when you can play them ? 😅🎮 https://earnings-explorer.vercel.app/ (keyboard only for now) Just a fun game I made yesterday for something different, it already has quite a few hidden easter eggs in it but if anyone has any ideas for features or improvements I’m all ears 👂 Maybe should add something around $BTC or $ETH If anyone wants to fork and improve it without spending the initial tokens to build it, the repo is here - github.com/HarryH-Tech-2/earnings-explorer I will of course go over the reports this week from $OPEN (Opendoor Technologies Inc), $RELY (Remitly Global Inc), $LMND (Lemonade Inc.) now. Thankfully, all of them were positive. Ironically LMND’s might have been the best but the share price still fell 6% yesterday after it came out 🤷‍♂️ $OPEN 🏠 Opendoor's "2.0" turnaround is showing real traction despite a challenging top line. Q4 revenue came in at $736M and full-year revenue fell to $4.37B, reflecting a smaller, reset portfolio though a large net loss was driven primarily by a one-time $933M debt extinguishment charge, and shouldn't be anything to worry about long term. Operationally, home acquisitions surged 46% quarter-over-quarter, inventory days dropped 23%, and the October 2025 cohort is tracking as the best-performing in company history. Management is targeting breakeven adjusted net income by end of 2026 on a 12-month forward basis. $RELY 💸 Remitly Global | Q4 & FY 2025 Remitly delivered a landmark year, reporting its first ever full year of GAAP profitability. Q4 revenue hit a record $442.2M, up 26% year-over-year, with net income of $41.2M and adjusted EBITDA of $88.6M, nearly doubling from the prior year. For the full year, revenue grew 29% to $1.6B, net income reached $67.9M, and free cash flow more than tripled to $283M. Active customers grew 19% to 9.3M. Management guided 2026 revenue of $1.94B–$1.96B alongside continued GAAP profitability, and also named Amazon veteran Sebastian Gunningham as the incoming CEO. $LMND 🍋 Lemonade | Q4 & FY 2025 Lemonade closed out what CEO Daniel Schreiber called its "strongest quarter ever." Q4 revenue surged 53% year-over-year to $228.1M, in-force premium grew 31% to $1.24B — the ninth consecutive quarter of accelerating growth — and gross profit jumped 73% to a record $111M. Adjusted EBITDA loss narrowed to just $5M, while adjusted free cash flow came in at a positive $37M. The company added 550,000 net new customers in 2025 and made headlines with the launch of autonomous car insurance pricing Tesla FSD miles at roughly half the rate of human-driven miles. EBITDA profitability is targeted for Q4 2026. So far, all the companies in our portfolio have shown that they’ve been performing well, even if the share price hasn’t. Next week brings reports from $ROOT (Root Inc), $NU (Nu Holdings Ltd.) and $FOUR (Shift4 Payments Inc) which will be interesting to see, especially the latter. From 2018 - 2025, I had one of the highest returns of all Popular Investors - etoro.tw/4b3pl7o Check out my profile to learn more about my investment strategy and if you have any questions, feel free to leave a comment below. Thanks for taking the time to read this! 😀 Harry Disclosure: This is my personal analysis and not financial advice. Always do your own research.