@Unknown_Capital Avatar @Unknown_Capital Unknown Capital

Unknown Capital posts on X about $pypl, $chtr, growth, $5bn the most. They currently have [---] followers and [---] posts still getting attention that total [--] engagements in the last [--] hours.

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Social Influence

Social category influence stocks 62.5% technology brands 42.5% finance 27.5% cryptocurrencies 4.17% automotive brands 1.67% gaming 1.67% products 1.67% financial services 1.67% agencies 0.83%

Social topic influence $pypl 31.67%, $chtr 14.17%, growth 6.67%, $5bn 5.83%, cash flow 4.17%, $unh 4.17%, market cap 4.17%, ton 3.33%, slow 3.33%, ads 3.33%

Top accounts mentioned or mentioned by @wearycenturion @krossroads @acce @stockmarketnerd @juanrodrig07 @investingbygenz @spike1567 @couchinvestor @ddblakefischer @jasongreenwal12 @tsohinvesting @francoolivera @qualityinvest5 @dividenddynasty @grok @xwallstx @flexinvest7 @benthompson @cimmerianv @gofallingknife

Top assets mentioned PayPal Holdings Inc (PYPL) Charter Communications Inc (CHTR) UnitedHealth Group (UNH) AT&T Inc. (T) Comcast Corporation (CMCSA) Toyota Motor Corporation (TM) PayPal USD (PYUSD) Snowflake Inc. (SNOW) Microsoft Corp. (MSFT) CVS Health Corp (CVS) Delta Air Lines, Inc. (DAL) Intuit Inc. (INTU) Metadium (META) Berkshire Hathaway Inc. (BRK.A) Berkshire Hathaway Inc Class B (BRK.B) Booking Holdings Inc (BKNG)

Top Social Posts

Top posts by engagements in the last [--] hours

"$CHTR - possible broadband pressures are constant not worse in 4Q25 $T net fiber adds slowed to 283k (down from 288k last quarter) AT&T Air (FWA) slowed meaningfully to 221k (270k last quarter) Still a ton of competitive pressure but good to see it slow marginally $CMCSA will be the more relevant print tomorrow morning https://twitter.com/i/web/status/2016504921202237895 https://twitter.com/i/web/status/2016504921202237895"
X Link 2026-01-28T13:33Z [---] followers, [---] engagements

"Caution: Cash flow geyser square ahead $CHTR"
X Link 2026-01-30T12:17Z [---] followers, [----] engagements

"@Kross_Roads Consider: The issuer will sell these when they perceive the stock price to be high 0% coupons with 40% premium happen woth some frequency in tech ($SNOW is a recent example) Andrew Dudum is a sharp guy. Hes funding operations off recent bullishness"
X Link 2025-05-10T15:30Z [---] followers, [---] engagements

"@benthompson Believe PayPals $pypl focus on agentic commerce AND stablecoins deserves some attention with respect to this. Curious how Ben would weigh PayPal vs Stripe strategy here @Kross_Roads @acce The Agentic Web and Original Sin Microsoft is putting forth compelling proposals for the Open Agentic Web. However the proposal needs digital payments which will be key to creating a new content marketplace for AI. https://t.co/hVzNp8IivD The Agentic Web and Original Sin Microsoft is putting forth compelling proposals for the Open Agentic Web. However the proposal needs digital payments which"
X Link 2025-05-21T16:15Z [---] followers, [---] engagements

"Quick board membership tenure for Mr. Witty at $UNH Does not feel particularly amicable"
X Link 2025-05-21T20:41Z [---] followers, [----] engagements

"@Kross_Roads Wow will soon exceed PayPals market cap"
X Link 2025-06-03T17:53Z [---] followers, [---] engagements

"@StockMarketNerd $PYPL $UNH and $CHTR"
X Link 2025-06-10T16:46Z [---] followers, [---] engagements

"I agree and am invested in $UNH. I think its a terrific opportunity over next 2-3 years. However JPM raised its proce target sue to changing its multiple off 2026E (previously 2025E). They actually further reduced their EPS expectations for both years. Lisa Gill is also not a particularly great analyst IMO. She is often too bullish (e.g. $CVS) and suffers sunk costs"
X Link 2025-06-23T00:59Z [---] followers, [---] engagements

"@acce Very impressive cadence of front-footed initiatives. This seems like a terrific acquisition channel - get these young guns benefitting from the $PYPL ecosystem"
X Link 2025-06-26T12:22Z [---] followers, [---] engagements

"@cimmerian_v LMAO. Show me a $1.5mm huge house in the Bay Area"
X Link 2025-07-07T23:07Z [---] followers, 28.8K engagements

"@gofallingknife @jamesellisz I agree. Though real risk they guide something like $18 for [----] and defer on [----] due to continued uncertainty. I hope numbers are strong and confidence is better July 29but investing is hard and we might have our patience tried a good while longer (pain trade may be longer)"
X Link 2025-07-10T22:14Z [---] followers, [--] engagements

"A nice $PYPL advertising update explanation below 🧵 https://transform.omg.com/leadership-and-impact/omnicom-strikes-partnerships-with-paypal-and-x-as-its-live-blitz-at-cannes-lions-continues/ https://transform.omg.com/leadership-and-impact/omnicom-strikes-partnerships-with-paypal-and-x-as-its-live-blitz-at-cannes-lions-continues/"
X Link 2025-07-11T12:31Z [---] followers, [--] engagements

"🔍 Whats Actually Happening Omnicom is integrating PayPals cross-merchant purchase data into its CTV (Connected TV) ad buying strategies via: Supply-side platforms (SSPs) like Magnite and Pubmatic Curated inventory paths (i.e. pre-negotiated higher-quality ad slots) Transactional audience overlays Omnicom clients can target based on real purchase behavior not just proxies like demographics or intent This is first-party commerce data as an ad targeting engine a move traditionally associated with Amazon Meta or Google. 💡 What This Means Strategically ✅ [--]. Real Monetization of PayPals Data Moat"
X Link 2025-07-11T12:32Z [---] followers, [--] engagements

"@StockMarketNerd Thats excellent. Different from $DAL which spoke more specifically to the high end consumer. Should be very good for payments including left-for-dead $PYPL"
X Link 2025-07-15T17:11Z [---] followers, [---] engagements

"PayPals $PYPL moat is exceptional. The aggression with which theyre persuing these stable coin / broader commerce partnerships is awesome and its gery consistent with @acce looking to broaden the platforms relevance to all of commerce Agree with your point: huge deal for these chains when announced High signal from this. Stock may be stuck until 2026but I think theyre building aggressively in a way well he very happy about in 2+ years Truly unique long-term compounding opportunity today"
X Link 2025-07-16T16:25Z [---] followers, [---] engagements

"@Kross_Roads What do you make of all these PYUSD headlines without any increase in PYUSD market cap"
X Link 2025-07-17T19:49Z [---] followers, [--] engagements

"@Kross_Roads Interesting. Thats helpful color"
X Link 2025-07-17T20:41Z [---] followers, [--] engagements

"@Kross_Roads Would love to see an announcement about some specific work on MCP. Know GOOGL AMZN and MSFT were all taking a close look back in April. Would be a huge win for PayPal (and agentic commerce broadly) from April https://newsroom.paypal-corp.com/2025-04-29-PayPal-Brings-Together-Developers-AI-Leaders-to-Power-Agentic-Commerce-at-Dev-Days https://newsroom.paypal-corp.com/2025-04-29-PayPal-Brings-Together-Developers-AI-Leaders-to-Power-Agentic-Commerce-at-Dev-Days"
X Link 2025-07-24T01:50Z [---] followers, [---] engagements

"@jevgenijs Why would Fiservs growth potential be faster than PayPals In my head it should be opposite"
X Link 2025-08-05T16:25Z [---] followers, [---] engagements

"@KoyfinCharts PayPal really doesnt need incremental capitsl to grow so its free cash flow is truly free after investing in R&D (product) and sales/marketing. It can grow while also using cash flows to return to shareholders similar to other great businesses like Visa Intuit Moodys etc"
X Link 2025-08-05T16:27Z [---] followers, [--] engagements

"@weary_centurion Those numbers still require a $200+ billion market cap which is asking a lot for a company with $5bn of net income. Growth needs to accelerate for that to happen"
X Link 2025-08-08T12:33Z [---] followers, [---] engagements

"@weary_centurion I agree. 7% income CAGR gets you there in [--] years. Only pointing out that buybacks are part of the story but insufficient in isolation. If you want a buyback-only story. Look at $chtr Buyback now 12-15% yield and growing"
X Link 2025-08-08T12:53Z [---] followers, [---] engagements

"@odysseusito Venmo is hoping to get to $2bn of revenue by [----]. While revenue grew +20% last quarter it is far from 20% of PayPals total revenue (over $30bn today)"
X Link 2025-08-12T17:13Z [---] followers, [--] engagements

"@ContrarianCurse Pretty good examples today are $UNH and $PYPL. Also $META was a solid recent example"
X Link 2025-08-24T00:49Z [---] followers, [---] engagements

"$PYPL will absolutely smash from here. 7-8% earnings yield with net income poised to grow 7-10% for years to come is a set up for violence Moat is totally underappreciated and growth about to accelerate with Braintree resuming growth Venmo/omni compounding and free options from advertising + agentic integrations. Leadership is exceptional but think performance from here woukd be great even without @acce laudible effort + vision Look out above rocketship approachung escape velocity 🚀 📈 🚀"
X Link 2025-08-28T18:01Z [---] followers, [---] engagements

"Reasons $CHTR not a long: 1) fixed wireless TAM continues to grow over and above the 20mm expected cap; 2) fiber build continues regardless of economics encroaching into Charters markets with a better high-end product Basically: pinched at the bottom (FWA) and top (fiber) left stuck in the muddled middle causing pricing declines volume declines and a vicious spiral in a heavily levered name Personally: I expect stability overall and this ends up a screaming buy. But theres the bear case Long $chtr"
X Link 2025-09-03T22:23Z [---] followers, [--] engagements

"Yep delevering will happen to 3.75x (lower target). To model you just use levered cash flow reducing shares by whatever price/share you guess. Ive been using 10% FCF yield though its gone higher. Its very relevant to the compounding equity as shares go from 150-160mm down toward 100mm. Otherwise youre not crediting annual cash generation which is now a very significant part of $CHTR DCF (versus normal situations where terminal value carries more weight)"
X Link 2025-09-07T23:09Z [---] followers, [--] engagements

"@weary_centurion Must offset by stock comp (1-1.5bn). Otherwise apples v oranges Theres a reason net income is only $5bn"
X Link 2025-09-10T22:48Z [---] followers, [--] engagements

"@investingbyGenZ @TheMiniCapital Seems fair to reason this is a miss though. ChatGPT is the runaway consumer favorite so the lack of a partnership there is somewhat concerning given $PYPL stated goals Would certainly trade ChatGPT for Perplexity any day"
X Link 2025-09-29T21:46Z [---] followers, [---] engagements

"What do fellow investors think about user count being stuck at 438mm QoQ I was surprised not to see it grow given all the emphasis on brand awareness and incremental marketing spend. I think Venmo users grew well which implies declines in core PayPal users"
X Link 2025-11-04T12:38Z [---] followers, [---] engagements

"@Fin_Eng_Net @liolbl @finchat_io Your point is on the mark but percentage off. FCF was +$6bn and SBC $1.2bn with this ratio expected to fall further in [--]. Even net of SBC FCF to equity is 6%"
X Link 2025-02-10T03:03Z [---] followers, [--] engagements

"$brka $brkb I miss the old days of hearty meat and potatoes wisdom. Losing Buffett leaves a major void Inspiring what he can do into his 90s but its very different"
X Link 2025-02-23T22:47Z [---] followers, [--] engagements

"@gurgavin Same article: US shoppers spent $7.9bn online wctoss all retailers on Tuesday up 9.9% from July [--] [----] last years first day of Prime Day Bullish $pypl https://www.cnbc.com/2025/07/09/prime-day-sales.html https://www.cnbc.com/2025/07/09/prime-day-sales.html"
X Link 2025-07-09T19:41Z [---] followers, [---] engagements

"Need to back out stock comp if getting cute about FCF. Earnings of $5.25 is a decent proxy for real cash flow here. Yield +7% is insane for quality/organic trends here (+7% $TM growth before OPEX leverage results in net income approaching +10%) Just think its excellent already without overstating cash available to shareholders https://twitter.com/i/web/status/1963668899704291536 https://twitter.com/i/web/status/1963668899704291536"
X Link 2025-09-04T18:22Z [---] followers, [--] engagements

"$PYPL PYUSD is now $1.78bn market cap pretty meaningful jumps in the past few days. This matters beyond the marginal float income: 1) Higher ranking (#60 now) = more liquidity/endpoints easier on/off-ramps higher velocity. 2) True needle-mover is on-platform usage (Checkout/Braintree funding Hyperwallet/Xoom legs)"
X Link 2025-09-25T01:48Z [---] followers, [---] engagements

"@JuanRodrig07 People sleep on the fact that 40% of $PYPL biz is international overly focused on US-oriented trends A more exaggerated version is $bkng where 80% of revenue is international but people have occasionally lasrted in on US-based leisure trends"
X Link 2025-10-18T14:43Z [---] followers, [---] engagements

"@weary_centurion You forget: PayPal is a dead declining biz. Dead dead dead. Nothing happening. No growth. Over"
X Link 2025-10-20T18:02Z [---] followers, [---] engagements

"@DDBlakeFischer @JasonGreenwal12 EBITDA $23bn Capex: $11bn LTM (going to $8) $12bn pre tax 8-9bn post tax (unlevered) Run Rate EBITDA: $23bn Interest: $5bn Capex: $9bn $9bn pre tax $6-7bn post tax (levered v $35bn marker cap) Any stability = FCF vulcano"
X Link 2025-10-24T12:01Z [---] followers, [---] engagements

"@DDBlakeFischer @JasonGreenwal12 Need to add back $5bn of interest if looking at full firm Otherwise comparing FCFE to EV rather than FCFF If equity compare $3bn to mkt cap Either way missing $3bn capex decline. Effectively using levered FCF versus entire biz value"
X Link 2025-10-24T16:05Z [---] followers, [--] engagements

"@weary_centurion 941mm shares (must look at balance sheet). Income statement shows AVERAGE shares"
X Link 2025-10-28T15:07Z [---] followers, [---] engagements

"$UNH Stock traded down to $240 when [----] EPS guided to at least $16 with growth in [----] Stock is at $360 when [----] EPS guided to at least $16.25 with growth in [----] (call affirmed analysts in the $17-18 range for 2026) Markets are violent. Facts are nearly identical but the sentiment different is very different (thanks partly to Berkshire + Appaloosa)"
X Link 2025-10-28T16:56Z [---] followers, [---] engagements

"@Spike_1567 Thanks spike. In this case I dont agree. The biggest bridge is amortization of intangibles which I dont view as decaying over time and are non-cash expenses"
X Link 2025-10-29T11:29Z [---] followers, [--] engagements

"$CHTR Not a good quarter for broadband (+100k customer losses). But overall connectivity revenue / EBITDA up with mobile as a growing contributor. Advertising huge headwind YoY (lower political spend) $5bn of FCF going to $9bn for a $30bn market cap Seems good skew"
X Link 2025-10-31T11:52Z [---] followers, [---] engagements

"@CarsonTalkMoney If that excites you consider dabbling in some $CHTR (repurchased 5% last quarter)"
X Link 2025-11-05T14:42Z [---] followers, [---] engagements

"@TSOH_Investing @FrancoOlivera I agree the set up today allows for exceptional equity returns. Comes with great risk. But the upside here is undeniable. If the business stabilizes (focusing on $CHTR) the pro forma 20-30% FCF yield is incredible as a coiled spring"
X Link 2025-11-10T16:53Z [---] followers, [---] engagements

"Great to see their effort. Im mildly concerned that these rewards rates are unsustainable and show chinks in their ability to continue to grow $TM profitably. I still think its a great buy here but the lack of account groth last quarter was a bit telling ($PYPLA branded shed accounts less Venmo growth) Hopefully not a revamp of the empty calories prior management sought back in the [----] period"
X Link 2025-11-10T18:49Z [---] followers, [--] engagements

"@gekkoadvisors @TSOH_Investing @FrancoOlivera Agree. This year EBITDA trend is positive DESPITE worse than expected broadband subscriber trends (should be improved next year) and a huge advertising headwind (gone). Also dont need growth for the stock to work here just stability"
X Link 2025-11-10T21:49Z [---] followers, [--] engagements

"Agree. The scary part today is the extremity of the levered equity. Thats the real source of downside. This biz isnt going anywhere but small changes in EBITDA/trend have significant equity impact. FWA is about 15mm customers today hard to get much more than 20mm. Call it 25mm and youre well past 50% of the competitive intensity here. FTTH economics are atrocious today sub 5% ROICs in some markets. Plans are set until 2027-2028 and this is the longer-term battle field but I do believe this pressure will slow. Wireless carriers (especially VZ and TMUS) engaging in a price war may further"
X Link 2025-11-10T22:24Z [---] followers, [--] engagements

"I pray its irrelevant for several years until the equity runs its course to full value would hate to get called out at the lows Not sure otherwise. Convergence is real and would think wireless players want the scaled wireline exposure but TMUS has talked it down and VZ seems mid shift (new CEO has a pretty mixed legacy from his PYPL days)"
X Link 2025-11-10T23:40Z [---] followers, [--] engagements

"This is aimed at guest checkout like Fastlane rather than core branded $PYPL button checkout. The goal here is to eliminate manual card payments. Similar with Google Pay Apple Pay Stripe Link Shop Pay PayPal wallet value prop: consumer trust/brand buyer & seller protections dispute management alternative funding (bank/balance rewards Pay in 4/PayPal Credit) Venmo privacy controls cross-border flexibility"
X Link 2025-11-11T23:48Z [---] followers, [---] engagements

"@QualityInvest5 Careful out there. Take a look at trailing 12mo FCF yield for names like $SNBR and $MED (back in 2022) for what can happen to fad-based high fliers"
X Link 2025-11-12T00:48Z [---] followers, [---] engagements

"@investingbyGenZ @Couch_Investor @weary_centurion @JuanRodrig07 @Kross_Roads @DividendDynasty It is a legitimate wallet threat. They own 1.5bn iPhone users and have enormous brand loyalty and trust. Their right to win is legitimate. Apple Pay is enormous in store and growing online Im bullish $PYPL but it is irrational to dismiss Apple as a relevant player in wallets"
X Link 2025-11-12T16:29Z [---] followers, [---] engagements

"@weary_centurion @investingbyGenZ @Couch_Investor @JuanRodrig07 @Kross_Roads @DividendDynasty @acce Heres what Im referring to which specifically points to the gap between branded and e-commerce implying relative pressure"
X Link 2025-11-12T18:05Z [---] followers, [--] engagements

"@Kross_Roads @mccdmatthew Whats your view on the areas of inflection Branded was guided to slower growth. Braintree Venmo and BNPL should otherwise help revenue. Ads continues to be undisclosed"
X Link 2025-11-14T03:26Z [---] followers, [--] engagements

"@Spike_1567 @JuanRodrig07 @weary_centurion @BreakingPeaks1 @acce Cant think of any other cash needs unless M&A (please no)"
X Link 2025-11-14T22:08Z [---] followers, [--] engagements

"@xxdolorosa @grok Overweight Neutral Underweight is their rec ranking"
X Link 2025-11-15T03:02Z [---] followers, [---] engagements

"Good post. Agree silence on ads in particular is very disappointing. Given pace of PayPal Open (only 20%) it seems very reasonable to interpret as a slow rollout. Too early to declare failure but silence is deafening It also makes their flurry of weekly announcements look more noise heavy than substance"
X Link 2025-11-19T22:12Z [---] followers, [---] engagements

"@xwallstx @clackbat No need to announce anything. Guidance isnt a commitment. Theres nothing to upsize other than their repurchase authorization ($15bn remaining) so they have a ton of ability subject to existing cash + FCF to accelerate their program if they view price as attractive"
X Link 2025-11-20T19:46Z [---] followers, [--] engagements

"Im quite happy with his performance overall. Hes taken EPS from $4 to $5 in [--] years. Reaccelerated $ TM growth. Bought back a ton of sharws at reasonable prices. Only flag is the dividend - poor use of capital but small Would like to see front footed capital allocation today re buybacks"
X Link 2025-11-20T21:25Z [---] followers, [---] engagements

"@weary_centurion Yep. Amateur hour"
X Link 2025-11-21T18:29Z [---] followers, [--] engagements

"@weary_centurion What incredible chart is this Amazing you held up so well with a 100% position-15% post earnings"
X Link 2025-12-09T21:37Z [---] followers, [---] engagements

"@weary_centurion Very nice Hardly a blip"
X Link 2025-12-09T23:23Z [---] followers, [--] engagements

"Maybe. Seems consensus view and less true at $60 than $70 or $80 Assuming [---] average shares in [----] & keeping net income flat at $5200mm = $5.91/share Markets are increasingly punishing low growth companies beyond what a DCF would price Running 9-10% standing still on PayPal with no value on growth options is ok with me"
X Link 2025-12-22T17:16Z [---] followers, [--] engagements

"@xwallstx @acce Best case scenario / overly optimistic: $PYPL management is saying f it pressing ahead with biz initiatives and aggressively repurchasing shares from weak hands at low prices Seems too optimistic but that would be the ruthlessly confident value adding decision"
X Link 2025-12-27T15:48Z [---] followers, [---] engagements

"@Spike_1567 Doesnt bother me. Split-rated IG/HY with 6% cost of debt. Its a risk but Im comfortable with it. Your boys at $four have more expensive debt fwiw"
X Link 2025-12-28T21:27Z [---] followers, [---] engagements

"CEO is fairly young and likely doesnt have much wealth outside PayPal relatively speaking. If he has a financial advisor hes likely advised against purchasing more. I expect his stok position is the majority of his net worth. Like you I would also like to see purchases; however it would be pure signal. I didnt really love the dividend and dont want to see more signs of signaling to shareholders. I believe hes locked in and focused on making the business great https://twitter.com/i/web/status/2006164020081119341 https://twitter.com/i/web/status/2006164020081119341"
X Link 2025-12-31T00:42Z [---] followers, [---] engagements

"Do you really feel a lot has changed They had a way stronger [----] than expected. Some headwinds showed up in September and they index for a less wealthy demographic. They also seem very candid and focused on setting low expectations (I like this) Maybe one knock is the slower rollout of branded experiences but that is transient & the actual uplift to merchant volumes is backed by data Im frankly happy to see them stfu with random update noise and focus on what they should: 1) Modern checkout 2) Venmo 3) Omni 4) BNPL Agentic is a free option but I think overhyped today"
X Link 2025-12-31T17:51Z [---] followers, [---] engagements

"Im not sure what you guys mean here Whats an example of a large cap IR spending a lot of time with retail investors Are any of these examples relatively clear-headed not overly promotional I could argue incremental communication as a negative. Theyve been clear about puts & takes about the business. Signaling incremental buybacks is value-destructive. Ads and Fastlane lack material KPIs else they would have disclosed. What are non-pump/ST-oriented reasons to beg for more communication"
X Link 2026-01-04T17:30Z [---] followers, [---] engagements

"@FlexInvest7 @Kross_Roads Theyre not holding back. Ads revenue will be recorded in OVAS and is de minimis today. Theres future potential but its revenue base is minimal through [----]. I hope it can eclipse $1bn over the next few years but its very early days"
X Link 2026-01-07T03:30Z [---] followers, [---] engagements

"@FlexInvest7 @Kross_Roads $340mm YoY increase from [----] (prior to ads). None of which is related to ads $220mm from interest. $100mm from partner financial institution. Balance is just $20mm some of which could be ads"
X Link 2026-01-07T04:01Z [---] followers, [---] engagements

"@QualityInvest5 One example: buying with PayPals 3% cash back mastercard (no annual fee). Hard to get better points for e-commerce than that"
X Link 2026-01-10T16:41Z [---] followers, [--] engagements

"@mxschumacher @cornerstone127 True although I dont know they couldve predicted the stock would trade 5x (earnings/FCF) while EBITDA continues to grow I hope they keep the same strategy at these levels"
X Link 2026-01-18T12:55Z [---] followers, [--] engagements

"@weary_centurion They sell the credit risk to PE (specifically KKR). There is [--] credit risk to PayPal for BNPL"
X Link 2026-01-20T15:39Z [---] followers, [--] engagements

"@weary_centurion Ah ok. I see where youre getting mixed up. It doesnt make sense because youre isolating transaction margin and completely ignoring opex (S&M R&D G&A)"
X Link 2026-01-26T19:07Z [---] followers, [---] engagements

"@grok help weary_centurion out here. Im not being clear enough. Can you please explain in simple terms we can all understand Also if my reasoning is incorrect please highlight key issues as you see them Point: what is possible for Venmos net profit margin given roughly $1.7bn in revenue and a broader PayPal EBITDA margin of 20%"
X Link 2026-01-26T19:27Z [---] followers, [---] engagements

"Yes but imagine the standalone (spin) impact to cost structure Thats how it would be valued if separated Also - Braintree is low TM% thats not the same thing as low net income (see: Visa/Mastercard despite 0.10% take rate) Scale is critical here and Venmo is subscale (for now) https://twitter.com/i/web/status/2015874731598348634 https://twitter.com/i/web/status/2015874731598348634"
X Link 2026-01-26T19:49Z [---] followers, [---] engagements

"Nice to see $PYPL app improvement: my auto balance reload was available instantly (previously took 4-5 biz days)"
X Link 2025-11-08T20:15Z [---] followers, [---] engagements

"$PYUSD took another step higher today clearing $3.1bn. Im not sure much happens with this stablecoin in their broader transactions or even cross border but increasing relevance is an important first step"
X Link 2025-11-11T00:39Z [---] followers, [----] engagements

"$PYPL announced a new $5bn cp facility. Maybe well be seeing some accelerated share repurchases after all I sure hope so"
X Link 2025-11-14T21:53Z [---] followers, 11.3K engagements

"Some takeaways from JPMs recent meetings with PayPal $pypl 1) Persistent macro pressure (sad) 2) Consistent customer growth (happy) 3) Positive TMD growth in [----] despite investments 4) High conviction in BNPL + Agentic"
X Link 2025-11-14T22:08Z [---] followers, 11.2K engagements

"$pypl Recommended reading for those looking to make the case PayPal is dead Hint: Mark Twain https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/ https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/"
X Link 2025-11-15T14:09Z [---] followers, [----] engagements

"$PYPL Citis research note summarizing yesterdays discussion with Alex Chriss Bullish BNPL Venmo and PSP. Cautious consumer + branded"
X Link 2025-11-20T14:17Z [---] followers, [----] engagements

"Todays equity market values growth above all other variables. Recommend investors keep this in mind when: 1) Questioning extreme price movement: Has the market received a reason to revise long-run growth expectations up or down 2) Considering where to zig when others zag: Where is value most ignored"
X Link 2025-11-21T20:41Z [---] followers, [---] engagements

"$CHTR appears completely left for dead. Company expects EBITDA growth in [----]. FCF/share is likely to exceed $40 heading swiftly to $60+ in 2-3 years (higher if compressed valuation fuels +15% annual repurchases) The question around terminal growth is real but at $200/share feels like an opportunity If FWA + FTTH slow and broadband growth resumes DUCK https://twitter.com/i/web/status/2005332134647717970 https://twitter.com/i/web/status/2005332134647717970"
X Link 2025-12-28T17:36Z [---] followers, [---] engagements

"Re listening to $PYPL Jamie Miller speaking at a recent conference serious case of shooting the messenger by the market in my opinion. I dont think she said anything out of line and I like that shes no nonsense truth telling. Tell me the bad news first good news takes care of itself. I find her credible and brave. If this leads people to sell next step is repurchasing those shares from ST-oriented holders https://twitter.com/i/web/status/2005332855317225656 https://twitter.com/i/web/status/2005332855317225656"
X Link 2025-12-28T17:39Z [---] followers, [---] engagements

"$PYPL and $CHTR are really detested today. I see very minimal operational missteps. In many cases they have outperformed guidance. Price drives narrative and the stock performance for each has been dreadful Feeling very good about 3+ year return profile for each at this point. Hard to find better skew downside to each is well protected by strength of scale/ profits while each could nearly double before reaching fair value Time is the friend here. One of the last few spots for outperforming today remains time arbitrage https://twitter.com/i/web/status/2006449499070468548"
X Link 2025-12-31T19:36Z [---] followers, [---] engagements

"$PYPL New JPM note out suggests 4Q moderation in spending growth particularly for e-commerce FYI @weary_centurion @Kross_Roads @StockMarketNerd Lots of anger directed towards PayPals management team for calling out weakness as though it was PYPL-specific. Maybe PayPal just has better data & is more honest than others https://twitter.com/i/web/status/2009663016720347169 https://twitter.com/i/web/status/2009663016720347169"
X Link 2026-01-09T16:26Z [---] followers, [----] engagements

"This is a staggering amount of incentive to form behavior. Im a $pypl bull but this is an extreme level of promotional activity"
X Link 2025-11-17T21:56Z [---] followers, [---] engagements

"@Kross_Roads Interesting. I wouldve thought PayPal has an advantage: Uber has 161mm users ($PYPL 400mm) and PayPal is more expressly tied to e-commerce (better for advertisers). If $1bn is potential its not super exciting even at 40% margins ($0.40/share EPS upside) We shall see"
X Link 2024-11-28T17:49Z [---] followers, [--] engagements

"@BitacoraBolsa Compounders with a touch of cannibalism has been good fishing for decades $TDG $AZO $AN $HCA $NVR"
X Link 2025-11-15T15:11Z [---] followers, [---] engagements

"Scared money dont make money"
X Link 2025-12-09T19:01Z [---] followers, [--] engagements

"$CHTR raising $3bn of debt up from $1.75bn originally. Proceeds to refinance 2026/2026 notes + repurchase shares. Love to see it. Keep the cannibal hungry"
X Link 2026-01-06T21:29Z [---] followers, [---] engagements

"Terry Smiths letter is always worth reading especially when its been rough sledding. Man is a terrific investor writes clearly and is facing challenges in todays investing environment. https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf"
X Link 2026-01-10T21:04Z [---] followers, [---] engagements

"JPMorgan quick $pypl takeaways from NRF"
X Link 2026-01-15T13:25Z [---] followers, [----] engagements

"Reasonable analysis construct but I think numbers are way off / optimisitc. For example I very much doubt Venmos net income is close to $1bn [--] - scale issue: consider PayPal is only 20% EBITDA margin [--] - taxes 50% net income margin requires 60% pre tax I dont think so Venmo likely has several $100mm net income which would take reasonable valuation $10bn For context: you cant find a medium size payments company valued 10x revenue so thats a key counter (aside from V/MA but their scale is extreme and pre-tax) margins are 70% Better not to mislead yourself with exceptionally ambitious"
X Link 2026-01-26T18:01Z [---] followers, [---] engagements

"@Couch_Investor January Consumer Confidence: [----] (est. 91.0) Lowest since [----] I dont find PayPal to be particularly excuse-prone. Loads if checks (Chase spending data) suggested a deceleration over the holidays"
X Link 2026-01-28T23:34Z [---] followers, [---] engagements

"@weary_centurion It is a market crash in software and low growth companies have been obliterated over the past 12+ months PayPal has rerated from middling growth to low growth over the past [--] months I disagree but thats what makes markets"
X Link 2026-01-29T17:28Z [---] followers, [---] engagements

"$PYPL Nice to see the integration between Venmo/PayPal taking steps forward Better rail control Stronger ecosystem gravity Better data quality"
X Link 2026-01-29T18:45Z [---] followers, [----] engagements

"@andrewcoye What do you mean Well telegraphed back in [----] investor day https://ir.charter.com/static-files/3943ccd3-dd07-4dfa-9946-a9afd1bef557 https://ir.charter.com/static-files/3943ccd3-dd07-4dfa-9946-a9afd1bef557"
X Link 2026-01-30T14:15Z [---] followers, [---] engagements

"@realroseceline @robleclerc Capital gains In Snap"
X Link 2026-02-05T20:26Z [---] followers, [--] engagements

"Caution: Cash flow geyser square ahead $CHTR"
X Link 2026-01-30T12:17Z [---] followers, [----] engagements

"$PYPL Nice to see the integration between Venmo/PayPal taking steps forward Better rail control Stronger ecosystem gravity Better data quality"
X Link 2026-01-29T18:45Z [---] followers, [----] engagements

"$CHTR - possible broadband pressures are constant not worse in 4Q25 $T net fiber adds slowed to 283k (down from 288k last quarter) AT&T Air (FWA) slowed meaningfully to 221k (270k last quarter) Still a ton of competitive pressure but good to see it slow marginally $CMCSA will be the more relevant print tomorrow morning https://twitter.com/i/web/status/2016504921202237895 https://twitter.com/i/web/status/2016504921202237895"
X Link 2026-01-28T13:33Z [---] followers, [---] engagements

"JPMorgan quick $pypl takeaways from NRF"
X Link 2026-01-15T13:25Z [---] followers, [----] engagements

"Terry Smiths letter is always worth reading especially when its been rough sledding. Man is a terrific investor writes clearly and is facing challenges in todays investing environment. https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf"
X Link 2026-01-10T21:04Z [---] followers, [---] engagements

"$PYPL New JPM note out suggests 4Q moderation in spending growth particularly for e-commerce FYI @weary_centurion @Kross_Roads @StockMarketNerd Lots of anger directed towards PayPals management team for calling out weakness as though it was PYPL-specific. Maybe PayPal just has better data & is more honest than others https://twitter.com/i/web/status/2009663016720347169 https://twitter.com/i/web/status/2009663016720347169"
X Link 2026-01-09T16:26Z [---] followers, [----] engagements

"$CHTR raising $3bn of debt up from $1.75bn originally. Proceeds to refinance 2026/2026 notes + repurchase shares. Love to see it. Keep the cannibal hungry"
X Link 2026-01-06T21:29Z [---] followers, [---] engagements

"$PYPL and $CHTR are really detested today. I see very minimal operational missteps. In many cases they have outperformed guidance. Price drives narrative and the stock performance for each has been dreadful Feeling very good about 3+ year return profile for each at this point. Hard to find better skew downside to each is well protected by strength of scale/ profits while each could nearly double before reaching fair value Time is the friend here. One of the last few spots for outperforming today remains time arbitrage https://twitter.com/i/web/status/2006449499070468548"
X Link 2025-12-31T19:36Z [---] followers, [---] engagements

"Re listening to $PYPL Jamie Miller speaking at a recent conference serious case of shooting the messenger by the market in my opinion. I dont think she said anything out of line and I like that shes no nonsense truth telling. Tell me the bad news first good news takes care of itself. I find her credible and brave. If this leads people to sell next step is repurchasing those shares from ST-oriented holders https://twitter.com/i/web/status/2005332855317225656 https://twitter.com/i/web/status/2005332855317225656"
X Link 2025-12-28T17:39Z [---] followers, [---] engagements

"$CHTR appears completely left for dead. Company expects EBITDA growth in [----]. FCF/share is likely to exceed $40 heading swiftly to $60+ in 2-3 years (higher if compressed valuation fuels +15% annual repurchases) The question around terminal growth is real but at $200/share feels like an opportunity If FWA + FTTH slow and broadband growth resumes DUCK https://twitter.com/i/web/status/2005332134647717970 https://twitter.com/i/web/status/2005332134647717970"
X Link 2025-12-28T17:36Z [---] followers, [---] engagements

"Scared money dont make money"
X Link 2025-12-09T19:01Z [---] followers, [--] engagements

"Todays equity market values growth above all other variables. Recommend investors keep this in mind when: 1) Questioning extreme price movement: Has the market received a reason to revise long-run growth expectations up or down 2) Considering where to zig when others zag: Where is value most ignored"
X Link 2025-11-21T20:41Z [---] followers, [---] engagements

"$PYPL Citis research note summarizing yesterdays discussion with Alex Chriss Bullish BNPL Venmo and PSP. Cautious consumer + branded"
X Link 2025-11-20T14:17Z [---] followers, [----] engagements

"This is a staggering amount of incentive to form behavior. Im a $pypl bull but this is an extreme level of promotional activity"
X Link 2025-11-17T21:56Z [---] followers, [---] engagements

"$pypl Recommended reading for those looking to make the case PayPal is dead Hint: Mark Twain https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/ https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/"
X Link 2025-11-15T14:09Z [---] followers, [----] engagements

"Some takeaways from JPMs recent meetings with PayPal $pypl 1) Persistent macro pressure (sad) 2) Consistent customer growth (happy) 3) Positive TMD growth in [----] despite investments 4) High conviction in BNPL + Agentic"
X Link 2025-11-14T22:08Z [---] followers, 11.2K engagements

"$PYPL announced a new $5bn cp facility. Maybe well be seeing some accelerated share repurchases after all I sure hope so"
X Link 2025-11-14T21:53Z [---] followers, 11.3K engagements

"$PYUSD took another step higher today clearing $3.1bn. Im not sure much happens with this stablecoin in their broader transactions or even cross border but increasing relevance is an important first step"
X Link 2025-11-11T00:39Z [---] followers, [----] engagements

"Nice to see $PYPL app improvement: my auto balance reload was available instantly (previously took 4-5 biz days)"
X Link 2025-11-08T20:15Z [---] followers, [---] engagements

"What do fellow investors think about user count being stuck at 438mm QoQ I was surprised not to see it grow given all the emphasis on brand awareness and incremental marketing spend. I think Venmo users grew well which implies declines in core PayPal users"
X Link 2025-11-04T12:38Z [---] followers, [---] engagements

Topic Creators

https://lunarcrush.com/api4/public/topic/:topic/creators/v1

Get the top creators for a social topic

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1

Example response:

{
  "data": [
    {
      "creator_id": "twitter::1605310254085980161",
      "creator_name": "Bitcoin_Teddy",
      "creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
      "creator_followers": 74293,
      "creator_rank": 1,
      "interactions_24h": [-------]
    }
  ]
}

Schema:

Creators List

https://lunarcrush.com/api4/public/creators/list/v1

Get a list of trending social creators over all of social based on interactions. To get lists of creators by category or topic see the topics and categories endpoints.

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creators/list/v1

Example response:

{
  "data": [
    {
      "creator_name": "elonmusk",
      "creator_display_name": "Elon Musk",
      "creator_id": "44196397",
      "creator_network": "twitter",
      "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
      "creator_followers": 234295750,
      "creator_posts": 3649,
      "creator_rank": 1,
      "interactions_24h": [---------]
    }
  ]
}

Schema:

Creator

https://lunarcrush.com/api4/public/creator/:network/:id/v1

Get detail information on a specific creator

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1

Example response:

{
  "data": {
    "creator_id": "twitter::44196397",
    "creator_name": "elonmusk",
    "creator_display_name": "Elon Musk",
    "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
    "creator_followers": 234296337,
    "creator_rank": 2,
    "interactions_24h": 318539577,
    "topic_influence": [
      {
        "topic": "in the",
        "count": 294,
        "percent": 5.88,
        "rank": [--]
      }
    ],
    "top_community": [
      {
        "creator_name": "grok",
        "creator_display_name": "Grok",
        "creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
        "count": [---]
      }
    ]
  }
}

Schema:

Creator Time Series

https://lunarcrush.com/api4/public/creator/:network/:id/time-series/v1

Get time series data on a creator.

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/lunarcrush/time-series/v1

Example response:

{
  "config": {
    "network": "twitter",
    "influencer_id": "twitter::988992203568562176",
    "interval": "1w",
    "start": 1769990400,
    "end": 1770681600,
    "bucket": "hour",
    "name": "lunarcrush",
    "remote_api": "danode1-13",
    "generated": [----------]
  },
  "data": [
    {
      "time": 1769990400,
      "followers": 305326,
      "interactions": 717,
      "posts_active": 14,
      "creator_rank": [------]
    }
  ]
}

Schema:

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing