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@BarnieTaintpipe Avatar @BarnieTaintpipe Barnacle Taintpipe

Barnacle Taintpipe posts on X about fintech, $fi, $sofi, $afrm the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

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Followers: XXX #

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Social category influence stocks XXXX% finance XXXXX% technology brands XXXXX% cryptocurrencies XXXXX% celebrities XXXX%

Social topic influence fintech #136, $fi #114, $sofi #179, $afrm #79, $xyz #20, $mq #1, $pypl #1543, $chym 4.88%, $dave 4.88%, $uber #535

Top accounts mentioned or mentioned by @cariocapital @saraesqmd @aureliusltd28 @kenmegan44 @4thpillar @nachunja @unicusresearch @bobspaysubstack @wagiecapital @aem424 @amitisinvesting @drocdolf @shortbusace @fabaiquantum @blocks @blockir @emcross23 @0xmerridew @andrewrsorkin @dariocpx

Top assets mentioned Fiserv, Inc. (FI) RAI Finance (SOFI) Affirm Holdings, Inc. Class A Common Stock (AFRM) Block, Inc. (XYZ) Marqeta, Inc. Class A Common Stock (MQ) PayPal Holdings Inc (PYPL) Chime Financial, Inc. Class A Common Stock (CHYM) Dave Inc. Class A Common Stock (DAVE) Uber Technologies, Inc. (UBER) Dash (DASH) Snap, Inc. (SNAP) Validity (VAL) Clearwater Analytics Holdings, Inc. (CWAN) asscoin (ASSCOIN) Sezzle Inc. Common Stock (SEZL) Bitcoin (BTC) Metadium (META) Klarna Group (KLAR) Alphabet Inc Class A (GOOGL) Apollo Global Management, Inc. (APO) Transocean LTD. (RIG) StaFi (FIS) Global Payments Inc (GPN) Perlin (PERL) Carvana Co. (CVNA)

Top Social Posts #

Top posts by engagements in the last XX hours

"GOODBYE $FI FISERV DEAD ON Q325 EARNINGS AND A FULL RESET OF COMPANY PRIORITIES AND STRATEGY AND I ASSUME DELEVERAGING I BET THEY WISH THEY COULD DO LEVERED BUYBACKS NOW BUT NOW THEY ARE TOO LEVERED AND DID SHARE BUYBACKS AT $493747 PER SHARE GOOD MANAGEMENT VERY VISIONARY MUCH FINANCIAL ENGINEERING SUCH WOW This is a $PYPL moment where the new CEO arrived looked around and said what in the actual fuck are you guys doing Im not putting my name on this Even with the share price this much lower I wont be touching this until the CEO broadcasts any semblance of confidence and my guess is it wont"
X Link @BarnieTaintpipe 2025-10-29T13:42Z XXX followers, 1425 engagements

"Yep I recently started a L/S with some partners as kind of the de facto fintech guy and they asked me about my opinion on $FI and all I really could say was heh idk man I dont get it A company you need a merger model to understand every year is just something no one really wants to buy. Different industry but $CWAN has like X simultaneous acquisitions and is just getting killed even though its probably a great pro forma company. Its much too much to ask the market to digest"
X Link @BarnieTaintpipe 2025-10-30T14:51Z XXX followers, XXX engagements

"Also Im not sure what you mean exactly by they can announce their own cards in relation to $XYZ but I guarantee at their scale and dependence on a processor like $MQ that they will not be doing that. It is simply not their focus and they dont have the expertise for that. It took $CHYM X years of focused efforts to migrate off of Galileo (acquired by $SOFI) in order to run and launch card products independently. Block will not do this"
X Link @BarnieTaintpipe 2025-10-30T17:56Z XXX followers, XXX engagements

"Consumer Fintech Q3 2025 Earnings I'm Watching 10/28 $PYPL - Watch for Braintree turnaround BNPL growth (particularly in interest-bearing this matters a lot more than Fintwit thinks) Venmo is an embedded option. Market probably now undervaluing this simply on a brutal X years of new CEO trimming the fat and focusing on profitable business; turnaround isn't priced in IMO"
X Link @BarnieTaintpipe 2025-10-24T21:17Z XXX followers, 1385 engagements

"Consumer Fintech Q3'25 Earnings I'm Watching 11/4 $DAVE - The EWA company that trades like $ASSCOIN. First of its kind as a non-shitty public company. New financial product super misunderstood business model low volume SPAC-level research coverage (ie. no one anyone pays attention to) keeps many players out of researching / touching the name. $DAVE continues its slow grind proving that it is an EBITDA / cash flow machine while growing XX% YoY. Doubters underestimate the size of the demand in this space and can't wrap their head around the business. The most cynical take you can have is"
X Link @BarnieTaintpipe 2025-10-24T21:31Z XXX followers, XXX engagements

"Consumer Fintech Q3'25 Earnings I'm Watching 11/5 $MQ - BaaS platform most well known for powering Cash App (so tied to $XYZ earnings as well). Also has super interesting momentum on BNPL cards and attached to great up and coming brand names within fintech such as Ramp $UBER and $DASH programs. Honestly I think the market has literally forgotten about this stock and has been in full wait-and-see mode for X years. The last time any analyst has looked at this stock and given half a fuck was back when it was XX% concentrated in Cash App (that is now 47%). They are still working through a"
X Link @BarnieTaintpipe 2025-10-24T21:40Z XXX followers, XXX engagements

"Consumer Fintech Q3'25 Earnings I'm Watching 11/6 - $AFRM the crown jewel of modern fintech IMO. All eyes are on AFRM. They are expected to deliver across the board on GMV growth RLTC margins B/S efficiency. As with $SEZL and $DAVE the question is loss rates. Can AFRM prove yet again that it has vastly superior underwriting to its peers as it claims to Can it show the market that in a time where subprime credit has shown early signs of deterioration that it either 1) is not happening to AFRM or 2) is rising but not in an alarming way In general I view $AFRM and $DAVE as the best underwriters"
X Link @BarnieTaintpipe 2025-10-24T22:09Z XXX followers, XXX engagements

"Consumer Fintech Q3'25 Earnings I'm Watching 11/6 - $XYZ -- A confusing story where the market is firmly in wait-and-see mode both because the business itself requires turnaround and a re-ignition of what was great momentum and because Dorsey a CEO that is viewed as unstable shareholder-unfriendly and prone to wandering off on Bitcoin adventures. Square had self-admittedly dropped the ball. It was obvious in their numbers and $TOST's success over a year ago and subject to a very candid discussion on Block's earnings call earlier this year. Dorsey and the Square CPO promised investors that a"
X Link @BarnieTaintpipe 2025-10-25T19:29Z XXX followers, 5368 engagements

"This is probably a hot take today but honestly all of you hedge fund / PE / fintwit influencers that think you know how to run $META better than Mark Zuckerberg are actually retarded Like seriously are we doing this again How many times do you need to be wrong before you just decide to stop giving your wrong opinion"
X Link @BarnieTaintpipe 2025-10-30T05:55Z XXX followers, 1319 engagements

"I dont think that is the right take for $MQ. Its the 2021 view of them from when they were 70%+ concentrated in Cash App (nothing to do with Square even at the time). Now it is around XX% with business banking (Ramp) BNPL (like $AFRM $KLAR) and other partnerships like $UBER $DASH contributing to volumes. Cash position and FCF still good buybacks going strong at a low valuation before a sustained turnaround recognized by the market Take another look IMO. Short writeups on both names as well as other fintech on my profile"
X Link @BarnieTaintpipe 2025-10-30T17:52Z XXX followers, XXX engagements

"@CarioCapital @Kenmegan44 This literally just means they use $GOOG for advertising. My company uses Google PMax too Most companies use Google for advertising"
X Link @BarnieTaintpipe 2025-10-30T18:17Z XXX followers, XX engagements

"Really depends which private credit lenders you're talking about. I think anyone thinking $APO or anyone in that tier is at risk should be committed to an institution. Demand to make loans outstrips supply to make loans within a certain standard of credit underwriting. but there are a range of outcomes for those who can manage loosening standards for acceptable risk/return versus going gangbusters with no regard to risk. Market commentators act like there is a default guaranteed every time someone ventures slightly outside of their credit box"
X Link @BarnieTaintpipe 2025-10-22T20:09Z XXX followers, XXX engagements

"@UnicusResearch @andrewrsorkin This is extremely bullish $AFRM but I guess lets ignore that Do you guys know that BNPL is just another mechanism similar to a credit card What do you people even think a credit card is"
X Link @BarnieTaintpipe 2025-10-27T18:50Z XXX followers, XXX engagements

"@UnicusResearch $AFRM will be fine You on the other hand have zero idea what you are talking about when it comes to BNPL anything. Stay in your lane and talk about autos"
X Link @BarnieTaintpipe 2025-10-28T03:22Z XXX followers, XX engagements

"$SOFI IS DOWN X% AT TIME OF POST🔴 🟢GREAT QUARTER FROM SOFI OVERALL 🟢GROWTH IN PERSONAL BANKING AND LOAN PLATFORM IS PRETTY GOOD 🔴I KEEP SAYING THIS $SOFI BULLS DON'T SEEM TO LISTEN. TECH PLATFORM IS BAD BAD BAD (but small-ish relative to the rest of their business so it's fine. I'm not saying it's a sell on the stock I am saying it is not helpful to the bull thesis like people claim) 🟢DELINQUENCIES ARE DOING GREAT BUT EVERYONE EXPECTED THIS GIVEN OTHER LENDING REPORTS (BIG BANKS AND LENDINGCLUB) But guys for real when you guys run up a stock 10-15% a few days before earnings you are"
X Link @BarnieTaintpipe 2025-10-28T13:55Z XXX followers, XXX engagements

"@bobspaysubstack Let us all join hands and feel confident in our social security program together"
X Link @BarnieTaintpipe 2025-10-29T13:49Z XXX followers, XX engagements

"Consumer Fintech Q3'25 Earnings I'm Watching 10/28 $SOFI - I think as usual $SOFI fintwit bulls probably get this right in terms of good results but not really knowing why. Need to watch for official incorporation of losing $CHYM in guidance. The execution in the rest of the business has really covered up what a shitshow Galileo has been and continues to be. If you can't keep the biggest neobank in the game then who is your customer base really End of student loan moratorium can add interesting momentum to the business where it hasn't been available in the last few years. I predict the"
X Link @BarnieTaintpipe 2025-10-24T21:21Z XXX followers, XXX engagements

"$SNAP This earnings will be a beat They do beat miss beat miss beat on earnings in an alternating fashion Old investors hate this strategy Bet on the management team being so bad that their guidance is just irrelevant DISCLAIMER: This is unfortunately only partially a joke"
X Link @BarnieTaintpipe 2025-10-29T14:00Z XXX followers, XXX engagements

"@WagieCapital You are using too much of your brain for $SNAP I assure you it its not necessary"
X Link @BarnieTaintpipe 2025-10-29T14:17Z XXX followers, XXX engagements

"I mean anyone thats thought about integrating a single acquisition of a company would probably have a seizure looking at what $FI has done. I certainly dont truly understand their business even after looking at it for a while due to the M&A complexity. Im sure its a mess internally and headaches all around"
X Link @BarnieTaintpipe 2025-10-30T03:44Z XXX followers, XXX engagements

"@Aureliusltd28 Correct on offshore but look at $VAL"
X Link @BarnieTaintpipe 2025-10-23T01:03Z XXX followers, 1874 engagements

"@Aureliusltd28 all of the oil experts I know tell me $VAL good $RIG not as good. i don't read i just jack it to subprime fintech lenders"
X Link @BarnieTaintpipe 2025-10-23T01:05Z XXX followers, 1022 engagements

"I work in fintech with reasonable operational complexity and I can honestly say not once have I read though a $FI $FIS $GPN report or filing and came out thinking yeah I know exactly what these guys do in each segment or yep this is the purpose of that acquisition so you are spot on"
X Link @BarnieTaintpipe 2025-10-30T14:45Z XXX followers, XXX engagements

"@4thPillar_ Dan Perlin is a homie"
X Link @BarnieTaintpipe 2025-10-30T16:03Z XXX followers, XX engagements

"@DarioCpx @RealJimChanos This post just demonstrates a complete lack of understanding of basic financial statements. I am not a $CVNA bull and would short it before I would long it but this is just totally wrong Expecting a deletion in like X days"
X Link @BarnieTaintpipe 2025-10-30T17:16Z XXX followers, XXX engagements

"@CarioCapital @Kenmegan44 So its irrelevant in the context of $SOFI then"
X Link @BarnieTaintpipe 2025-10-30T18:34Z XXX followers, XXX engagements