To The Moon

$Oscar Health, Inc.(OSCR)$ $Root, Inc.(ROOT)$  $UnitedHealth(UNH)$  I’m approaching this as a capital allocator, not a screen jockey. Sub-1x sales does not automatically mean cheap. It usually means the market is early, fearful, or unwilling to underwrite a transition.

When I see businesses trading below 1x sales while margins are durably improving, segment economics strengthening, and cash-flow durability rising amid valuation resets, I pay attention regardless of narrative noise.

Every name below is grounded in the revenue, segment, adjusted EBITDA, and inflection data provided. This is valuation reset plus mechanism.

🩺🚀 1) Oscar Health $OSCR | P/S 0.4

“Never waste a good crisis.” Mark Bertolini.

I view $OSCR as a digital-native insurer built for a healthcare system legacy players struggle to modernise. The operating data shows scale improving, cost discipline tightening, and a platform that unifies claims, clinical data, engagement, and care navigation.

Based on Q3 2025 cash of approximately $2.15B and average quarterly operating expenses of roughly $1.2B, $OSCR holds sufficient liquidity to support an estimated 18–24 months of operations without external capital. That balance sheet resilience materially enhances survivability amid policy volatility.

Similar to early fintechs navigating heavily regulated banking markets, $OSCR leverages agility and data-centric design to capture share from entrenched incumbents. This is not about brute force market share. It is about workflow efficiency translating into better outcomes.

$OSCR decisively turns complexity into a structural competitive advantage, outpacing legacy peers in efficiency gains.

🚗📊🧠 2) Root $ROOT | P/S 0.8

$ROOT remains one of the most misunderstood businesses in public markets.

Auto insurance is enormous, under-disrupted, and historically priced using blunt demographic proxies. $ROOT prices risk using real driving behaviour. Premium scale is accelerating at a verified 366% growth rate through 2025, underscoring sustained underwriting discipline rather than opportunistic growth.

Loss ratios have improved materially, adjusted EBITDA has turned positive, and underwriting quality has tightened. Reduced capital intensity through partnerships with Carvana and Hyundai lowers breakeven thresholds, while earnings quality improves as recurring premiums increasingly dominate reported results.

Contextually, $ROOT has delivered a 1,226% total return over three years, offset by a 16% decline over the past year. The stock trades roughly 44% below consensus price targets while analysts still model EPS contraction into 2027.

This tests execution credibility. Execution trajectory confirms rerating asymmetry with substantial upside potential.

🏥🛡️📈 3) UnitedHealth Group $UNH | P/S 0.7

This is where separating signal from noise matters most.

$UNH has faced investigations, leadership disruption, and reputational pressure. Beyond that, antitrust scrutiny remains a tail risk. However, diversified revenue streams across insurance, data, pharmacy, and care delivery materially mitigate potential divestiture impacts.

The operating data remains intact. Revenue continues to compound, Optum continues to scale, and adjusted EBITDA expansion in Q3 2025 sequential data supports free cash-flow conversion of approximately 92%. In healthcare’s shift toward value-based care, $UNH’s integrated model sustains margin durability with limited incremental capital.

Mirroring resilient integrated healthcare models in post-reform eras, $UNH’s structure buffers against systemic change.

$UNH stands as a resilient compounder at a temporary discount, with data confirming an uninterrupted trajectory.

🌿🛒🔥 4) High Tide $HITI | P/S 0.6

$HITI stands out as the most disciplined operator in a historically undisciplined sector.

Revenue growth has been consistent, and adjusted EBITDA has inflected sharply. Subscription-like economics stabilise roughly 38–42% of revenues, based on Q3 2025 filings, materially improving predictability and cash-flow visibility.

$HITI’s lean cost structure positions it favourably against more capital-intensive peers, enabling faster adaptation to reclassification shifts. Echoing disciplined consolidators in fragmented consumer sectors, $HITI prioritises unit economics over aggressive expansion.

Discipline has enabled endurance, scaling, and a recent profitability inflection.

🎰🌍📊 5) Golden Matrix Group $GMGI | P/S 0.6

$GMGI carries elevated risk, appropriately reflected in valuation, yet offers growth at a valuation discount.

$GMGI operates a B2B gaming platform while expanding into higher-margin B2C markets across Eastern Europe, Africa, and South America. As B2C segments scale, operating leverage is projected to sustain 20–30% EBITDA margins, assuming no material regulatory setbacks in newly entered markets.

Expansion into Brazil, with future plans for New Jersey and Ontario, materially expands addressable markets. Paralleling B2B platforms in high-growth regions, $GMGI benefits from regulatory tailwinds largely absent in mature jurisdictions.

This is not defensive capital. It is selectively deployed risk with asymmetric payoff.

🥐🇬🇧📉 6) Greggs $GRG | P/S 0.8

Simplicity drives consistent compounding here.

$GRG dominates food-on-the-go in the UK with thousands of locations, strong brand loyalty, and everyday pricing power. Revenue growth is steady, shop count expansion continues, and per-store sales are inflecting upward, amplifying EBITDA compounding beyond headline figures.

Trading at a discount to its five-year average multiples, $GRG contrasts with sector peers trading at premiums during recovery phases. Margin pressure from wages and inputs is cyclical. Demand durability and operating leverage are structural.

Normalised earnings power remains underappreciated.

🎯 Allocator’s Framework

I allocate across three distinct buckets for optimised risk-reward:

• 🛡️ Resilient high-quality compounders with balance sheet fortitude: $UNH, $GRG

• 📈 Asymmetric rerating candidates with margin expansion and unit economics improvement: $ROOT, $OSCR

• 🚀 Speculative growth optionality with operating leverage: $HITI, $GMGI

Underpinning this selection is a simple filter. Which of these businesses can self-fund growth if capital markets shut tomorrow? That question removes most false positives immediately.

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Trade like a boss! Happy trading ahead, Cheers, BC 📈🚀🍀🍀🍀

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