@daardos Avatar @daardos הגורו - GURU

הגורו - GURU posts on X about $pgy, $upst, strong, at least 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 finance 34% stocks 19% countries 4% cryptocurrencies 4% technology brands 4% products 4% financial services 1% fashion brands 1%

Social topic influence $pgy #35, $upst #36, strong 9%, at least 6%, in the 5%, debt 5%, target 4%, company 4%, ai 4%, business 4%

Top accounts mentioned or mentioned by @sharogradskym @nhershko9 @ghtheprophet @shaiwininger @tedcruz @lemonadeinc @eitan232 @anekcapital @realjimchanos @cedarstresearch @upstart @hypergrowth102 @eyalweiss @globesnews @albomp @thestalwart @bjmtweets @quincyedmundlee @spacanpanman @ankush_shee

Top assets mentioned Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Upstart Holdings, Inc. (UPST) Cellebrite DI Ltd. Class A Ordinary Shares (CLBT) PayPal Holdings Inc (PYPL) ZIM Integrated Shipping Services Ltd. (ZIM) Lemonade, Inc. (LMND) RAI Finance (SOFI) WIX.com Ltd. (WIX) monday.com Ltd. (MNDY) Klarna Group plc (KLAR) Affirm Holdings, Inc. (AFRM) Block, Inc. (XYZ) Bank of America (BAC) Duolingo, Inc. (DUOL) Thomson Reuters Corporation (TRI) Sea Limited (SE) ServiceNow Inc (NOW) DoorDash Inc. (DASH) Accenture (ACN) Shopify Inc (SHOP) CoreWeave, Inc (CRWV) Iris Energy Limited (IREN) Bitcoin (BTC) Goldman Sachs (GS) Sezzle Inc. Common Stock (SEZL)

Top Social Posts

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

"These are the numbers the company presented on the May [--] [----] earnings call. At the time the stock was trading at a higher price and following those results it rallied sharply in the months that followed. The company continues to execute. Mr. Market can be wrong in the short term but in the long term net income will speak for itself here. $PGY https://twitter.com/i/web/status/2021567001085259816 https://twitter.com/i/web/status/2021567001085259816"
X Link 2026-02-11T12:48Z 19.2K followers, [----] engagements

"I assume Pagayas shareholder base has almost completely turned over aside from a few believers like myself and members of the community. Its been a tough period but I remain optimistic. $PGY"
X Link 2026-02-11T17:53Z 19.2K followers, [----] engagements

"http://x.com/i/article/2019454833669836800 http://x.com/i/article/2019454833669836800"
X Link 2026-02-05T17:17Z 19.2K followers, 29.1K engagements

"Review of Pagayas Q4 Earnings $PGY I will start by saying that in my view management made a mistake. They gave up roughly $150 million in Q4 volume (according to the earnings call) $150 million http://x.com/i/article/2020963785419202562 http://x.com/i/article/2020963785419202562"
X Link 2026-02-09T20:57Z 19.2K followers, [----] engagements

"🤔 JP Morgan Cuts $UPST Target Price to $57 from $65 remains BUY Bank of America Cuts $UPST Target Price to $60 from $71 remains HOLD Truist Securities Cuts $UPST Target Price to $49 from $59 remains BUY JP Morgan Cuts $UPST Target Price to $57 from $65 remains BUY Bank of America Cuts $UPST Target Price to $60 from $71 remains HOLD Truist Securities Cuts $UPST Target Price to $49 from $59 remains BUY"
X Link 2026-02-11T12:58Z 19.2K followers, [----] engagements

"🤔 $PGY vs $UPST: Revenue: - $1.26B vs $1.04B Net Income: - $81M vs $53.6M EBITDA: - $81.7M vs $72.9M EPS: - $0.89 vs $0.43 FCF: - $224.72M vs -$373M Expenses: - $256M vs $733M SBC: - $45M vs $99.5M Yet $PGY has a $1B Market cap & $UPST has a market cap of $3.3B https://t.co/AzWYPeDliz $PGY vs $UPST: Revenue: - $1.26B vs $1.04B Net Income: - $81M vs $53.6M EBITDA: - $81.7M vs $72.9M EPS: - $0.89 vs $0.43 FCF: - $224.72M vs -$373M Expenses: - $256M vs $733M SBC: - $45M vs $99.5M Yet $PGY has a $1B Market cap & $UPST has a market cap of $3.3B https://t.co/AzWYPeDliz"
X Link 2026-02-11T18:20Z 19.2K followers, [----] engagements

"https://x.com/daardos/status/2022015879941140905s=20 . [--]. ( $WIX $MNDY - $S) https://x.com/daardos/status/2022015879941140905s=20 . [--]. ( $WIX $MNDY - $S)"
X Link 2026-02-12T18:32Z 19.2K followers, [----] engagements

"Duolingo $DUOL since its IPO: 🥶🥶🥶🥶 The company went public at a $102 share price but finished its first trading day at $139"
X Link 2026-01-31T18:05Z 19K followers, [----] engagements

"Pagaya $PGY reports on the 9th. This is my Q4 forecast: a GAAP earnings run-rate of $1.6 per share implying a roughly 11x P/E at todays share price"
X Link 2026-02-03T18:35Z 19.1K followers, [----] engagements

"I expect the company to guide to at least $160 million in GAAP net income for [----]. $PGY Pagaya $PGY reports on the 9th. This is my Q4 forecast: a GAAP earnings run-rate of $1.6 per share implying a roughly 11x P/E at todays share price. https://t.co/geWjS7tvoX Pagaya $PGY reports on the 9th. This is my Q4 forecast: a GAAP earnings run-rate of $1.6 per share implying a roughly 11x P/E at todays share price. https://t.co/geWjS7tvoX"
X Link 2026-02-03T18:41Z 19.1K followers, [----] engagements

"@shai_wininger @tedcruz @Lemonade_Inc 🤩"
X Link 2026-02-05T17:22Z 19K followers, [---] engagements

"@Eitan232 "
X Link 2026-02-05T17:44Z 19.1K followers, [---] engagements

". $TRI 50% . [----] [--] [--]. [--] [--] . . AI . https://twitter.com/i/web/status/2020405737264955803 https://twitter.com/i/web/status/2020405737264955803"
X Link 2026-02-08T07:53Z 19.1K followers, [----] engagements

"Review of Pagayas $PGY Q4 Earnings https://t.co/eHOqxFlGa0 https://t.co/eHOqxFlGa0"
X Link 2026-02-09T20:57Z 19.1K followers, [----] engagements

": . . @SharogradskyM # +. "
X Link 2026-01-23T08:18Z 19.1K followers, [----] engagements

"1 * 30B [---] . Paypal Sea limited Nike Adobe Snowflake Diageo Disney Target AirBnB UPS Pfizer Zoetis UnitedHealth Salesforce Autodesk Qualcomm Verizon Intel ServiceNow Abbott Labs Medtronics Roper Doordash Accenture TakeTwo Shopify $30B+ stocks with Negative 5-YR Total Returns Paypal Sea limited Nike Adobe Snowflake Diageo Disney Target AirBnB UPS Pfizer Zoetis UnitedHealth Salesforce Autodesk Qualcomm Verizon Intel ServiceNow Abbott Labs Medtronics Roper Doordash Accenture TakeTwo Shopify https://t.co/HmjDLJuInI $30B+ stocks with Negative 5-YR Total Returns Paypal Sea limited Nike Adobe"
X Link 2026-02-08T12:00Z 19.1K followers, 12.3K engagements

"Analysts understand that there has been no deterioration in the companys operations but rather a deliberate decision to reduce volume and avoid risk in a challenging environment. All of the core reasons for the long thesis remain intact. $PGY $PGY: Some initial research reaction. Pagaya dialed back risk in Q4 which crimped Q4 results and guidance. Key concerns appear to be focused on worsening credit environment even if company can navigate successfully. Stephens (overweight PT $33)While guidance is $PGY: Some initial research reaction. Pagaya dialed back risk in Q4 which crimped Q4 results"
X Link 2026-02-09T14:18Z 19.1K followers, [----] engagements

"At the current price 1.1B Pagaya $PGY is trading at a GAAP P/E of 8.8x based on the midpoint of its [----] guidance and at 0.88x revenue. All of this while projected net income growth exceeds 50% YOY with operating leverage beginning to materialize"
X Link 2026-02-09T14:59Z 19.1K followers, [----] engagements

"$PGY Pagaya is guiding 23-85% YoY GAAP net income growth in [----] We expect a GAAP net profitability minimum of over $100m in [----]. - Gal Krubliner $PGY CEO Pagaya is guiding 23-85% YoY GAAP net income growth in [----] We expect a GAAP net profitability minimum of over $100m in [----]. - Gal Krubliner $PGY CEO"
X Link 2026-02-09T15:32Z 19.1K followers, [----] engagements

". . . $SOFW 🧵 . . https://t.co/LDOFP2NLiR $SOFW 🧵 . . https://t.co/LDOFP2NLiR"
X Link 2026-02-10T21:04Z 19.1K followers, [----] engagements

"# . . $SOFW @ANEKCapital: [--] runway ( ). . $SOFW @ANEKCapital: [--] runway ( ). "
X Link 2026-02-10T22:25Z 19.1K followers, [----] engagements

". * "
X Link 2026-02-11T12:51Z 19.1K followers, [----] engagements

": $NICE 20% . - . - "
X Link 2026-02-11T13:00Z 19.1K followers, [----] engagements

"6% [----] [----] 2018"
X Link 2026-02-11T17:45Z 19.1K followers, [----] engagements

": . " [---] ' . : [----] "
X Link 2026-02-12T09:37Z 19.1K followers, 12.4K engagements

"" 5% . [---] -SAAS + "
X Link 2026-02-12T17:37Z 19.1K followers, 36.5K engagements

". [--]. ( $WIX $MNDY - $S) . [--]. SBC . [--]. 20% . [--]. -AI . " . . " 5% . [---] -SAAS " 5% . [---] -SAAS"
X Link 2026-02-12T18:32Z 19.1K followers, 42.2K engagements

"- " 2026"
X Link 2026-02-12T18:36Z 19.1K followers, [----] engagements

"https://x.com/i/status/2022187401838543081 https://x.com/i/status/2022187401838543081"
X Link 2026-02-13T06:10Z 19.1K followers, [----] engagements

"4 . AI "
X Link 2026-02-13T07:33Z 19.1K followers, 25.7K engagements

"Nice little Friday afternoon in tech land https://t.co/yMiw5wStVw Nice little Friday afternoon in tech land https://t.co/yMiw5wStVw"
X Link 2026-02-13T10:04Z 19.1K followers, [----] engagements

"$ZIM [---] [---] . . ( ) "
X Link 2026-02-15T06:54Z 19.1K followers, 11K engagements

". 👇 https://campaign.icryptoforum.org/ https://campaign.icryptoforum.org/"
X Link 2026-02-15T14:02Z 19.1K followers, [---] engagements

"KBW on Pagaya $PGY strong quarterly report maintains a Buy / Outperform rating with a $38 price target while raising earnings and EBITDA estimates for the coming years. $PGY Pagaya Technologies 3Q25 Wrap Up: Another Beat but More Is Yet to Come https://t.co/Z6OaXSyPrs $PGY Pagaya Technologies 3Q25 Wrap Up: Another Beat but More Is Yet to Come https://t.co/Z6OaXSyPrs"
X Link 2025-11-11T13:43Z 18.6K followers, [----] engagements

"$HROW $HROW new info from the call: Financials and Guidance The inventory shortage in the ImprimisRx compounding business is expected to cause a one-time revenue decrease of $4 million to $6 million in the fourth quarter. This is the primary driver for the updated full-year guidance. $HROW new info from the call: Financials and Guidance The inventory shortage in the ImprimisRx compounding business is expected to cause a one-time revenue decrease of $4 million to $6 million in the fourth quarter. This is the primary driver for the updated full-year guidance"
X Link 2025-11-11T14:32Z 18.6K followers, [----] engagements

"54$💪💪💪💪 $PGY 🚀 $PGY [--] star analysts upgraded target price of Pagaya. https://t.co/bJuNF1jK7H $PGY [--] star analysts upgraded target price of Pagaya. https://t.co/bJuNF1jK7H"
X Link 2025-11-11T15:09Z 18.6K followers, [----] engagements

"@RealJimChanos You keep mentioning $CRWV and $IREN what about Nebius"
X Link 2025-11-11T15:35Z 18.5K followers, [---] engagements

"Just saying based on an expected GAAP profit of around $82 million for Pagaya $PGY in [----] the current $2 billion market cap implies a P/E ratio of about [--]. Given the companys strong growth rate I estimate the forward P/E for [----] to be around [--] or perhaps even lower"
X Link 2025-11-12T18:37Z 18.6K followers, [----] engagements

"Theres been strong institutional activity around Pagaya $PGY some outflows but far more inflows. Here are two notable moves from today"
X Link 2025-11-12T19:05Z 18.6K followers, [----] engagements

"There was a lot of institutional activity in Pagaya $PGY during Q3. In my view part of the drop this quarter came from several institutions choosing to exit not because of anything specific to the stock itself but due to broader macro concerns in the credit space. I highlighted a few of the notable position changes in the screenshot. This is only from the November [--] filing there are of course earlier filings that include additional holdings"
X Link 2025-11-15T19:34Z 18.6K followers, [----] engagements

"Its been a very rough week for many hype driven companies and it was incredibly impressive to see Lemonade $LMND hold up with a drop of less than 10%. It really shows how strong and committed the shareholder base is they believe in the company and are willing to stay for the long run"
X Link 2025-11-15T20:46Z 18.6K followers, [----] engagements

"Hi market please dont forget about Pagaya $PGY on your way up"
X Link 2025-11-18T18:00Z 18.6K followers, [----] engagements

"Market participants frequently attribute the drawdowns in Pagaya $PGY Upstart $UPST and similar names to dislocations in the credit markets. While this captures part of the picture it underestimates the underlying systemic forces. The more consequential driver is the liquidity mismatch developing within the global alternative investment management ecosystem including leading global alternative investment platforms such as $KKR $BX and Apollo $APO. Since last December these firms have experienced persistent pressure on their share prices with a steady and notable decline reflecting ongoing"
X Link 2025-11-18T20:36Z 18.6K followers, [----] engagements

"Pagaya $PGY keeps delivering. It really doesnt matter what Mr. Market does or sells once GAAP net income reaches at least $165 million next year as I expect the market will have no choice but to reprice the stock accordingly. $PGY: 🚨 Another $400m Auto Loan ABS deal. There were a couple conferences yesterday. Great content and insight. Discussions about [----] among other interesting insights. On my list to share but end of year is always busy. https://t.co/dF4FUyJpZU $PGY: 🚨 Another $400m Auto Loan ABS deal. There were a couple conferences yesterday. Great content and insight. Discussions"
X Link 2025-11-19T19:34Z 18.6K followers, [----] engagements

"@CedarStResearch A real shame he was the only one back in [----] who warned that the Feds and the governments actions would inevitably trigger inflation"
X Link 2025-11-19T20:20Z 18.5K followers, [---] engagements

"Whats good for Upstart is good for Pagaya $PGY too though it doesnt necessarily work the other way around. 😉 [----] is gonna be 🔥🔥🔥 for @upstart. Mark my words. [----] is gonna be 🔥🔥🔥 for @upstart. Mark my words"
X Link 2025-11-20T17:34Z 18.6K followers, [----] engagements

"I can't say for sure if Pagaya $PGY is the most undervalued stock in the market but it is undoubtedly one of the best bargains available"
X Link 2025-11-24T14:54Z 18.6K followers, [----] engagements

"Since the latest earnings release only two analysts have issued updated price targets for Lemonade $LMND. The veteran analysts who traditionally covered the stock have conspicuously gone silent. This is no coincidence it stems from a history of fundamentally flawed theses that failed to grasp the core business model. Fearing further reputational damage these bearish voices have effectively retreated. Their exit has led to a pivotal shift for the first time the consensus rating has upgraded from 'Sell' to 'Neutral' a clear precursor to an inevitable upgrade to 'Buy'"
X Link 2025-11-24T15:30Z 18.6K followers, [----] engagements

"For anyone taking advantage of Pagayas $PGY low share price to join our community you can start your research here👇 As part of the new Pagaya $PGY Investors community Ill use this thread to share key tweets that explain the companys business. Feel free to reply with other insightful posts. 1/ A thread I wrote explaining how Pagaya operates: https://t.co/XVweQABaDp As part of the new Pagaya $PGY Investors community Ill use this thread to share key tweets that explain the companys business. Feel free to reply with other insightful posts. 1/ A thread I wrote explaining how Pagaya operates:"
X Link 2025-11-24T22:05Z 18.6K followers, [----] engagements

"@hypergrowth102 @Eyal__Weiss Its a joke of course but the reality is that Israel follows about 90% of the directives it gets from the U.S. and its entire air force is American made. If Washington really wanted to it could ground the Israeli Air Force with a single keystroke"
X Link 2025-11-26T06:03Z 18.6K followers, [--] engagements

"You sound a bit caught up in anger but since you do understand equities Im hoping to appeal to the analytical side of you. So let me address each point clearly one by one. [--]. The decision to intervene in Israels wars is made by the U.S. Department of Defense. The amounts the U.S. has invested in Israels security are a tiny fraction of what it spent in Afghanistan Iraq Vietnam and Korea. And unlike those conflicts Israel is the only theater where the United States consistently achieved meaningful strategic results. During the Soviet era Israel served as a forward defensive line against Arab"
X Link 2025-11-26T19:37Z 18.6K followers, [---] engagements

"Goldman Sachs: Eyes on Credit Events Isolated Not Idiosyncratic We view recent credit events such as fraud allegations and bankruptcies involving First Brands Tricolor and Cantor Group as isolated idiosyncratic occurrences not indicators of rising systemic credit risk or challenges to the banking sector's resilience. The US banking sector remains sound as reaffirmed by robust 3Q [----] earnings which highlighted overall benign asset quality trends. More broadly positive momentum in earnings and revenue coupled with resilient credit metrics and conservative balance sheet management suggests a"
X Link 2025-12-01T12:59Z 18.6K followers, [----] engagements

"$PGY If Trump announces Kevin Hassett as the new Fed Chair today itll be massively bullish for subprime lenders and BNPL players. They are trading at depressed levels and I expect a rapid rerating if Hassett is confirmed. $PGY $OPFI $UPST $SEZL $KLAR https://t.co/lj2U640iJX If Trump announces Kevin Hassett as the new Fed Chair today itll be massively bullish for subprime lenders and BNPL players. They are trading at depressed levels and I expect a rapid rerating if Hassett is confirmed. $PGY $OPFI $UPST $SEZL $KLAR https://t.co/lj2U640iJX"
X Link 2025-12-02T13:08Z 18.7K followers, [----] engagements

"According to my calculations Pagaya $PGY has already secured roughly 5B$ in volume for [----] and the year hasnt even started yet. Its shaping up to be an exceptionally strong year. 💪 $PGY: Pagaya out with another $499M consumer loan ABS transaction https://t.co/ic0M2Ohzaw $PGY: Pagaya out with another $499M consumer loan ABS transaction https://t.co/ic0M2Ohzaw"
X Link 2025-12-02T21:17Z 18.7K followers, [----] engagements

"Pagayas $PGY business keeps improving everything else is just noise. Sure the macro environment is a bit of a headwind but look at $SoFi if their stock can rally back to $30 when lending is such a core part of their business then Pagaya which approves only about 1% of the loan applications it sees can absolutely return to its highs and beyond. Dont get distracted by the noise. $PGY: A new lendering partner is introduced in PAID 2025-8. Achieve That name might sound familiar because Ralph Leung who serves as the COO at Pagaya was previously the CFO at Achieve. While there he contributed to the"
X Link 2025-12-03T06:19Z 18.7K followers, [----] engagements

"Another deal closed Pagaya $PGY now has over $5.5B of locked-in volume for [----]. That suggests $12.5B in volume next year in a bear case and up to $14B in a bull case. $PGY: Pagaya Technologies Ltd. has closed RPM 2025-6 a $400 million auto asset-backed securitization (ABS) marking another strong execution within the Companys ongoing Auto ABS program. The transaction highlights Pagayas continued ability to deliver consistent high-quality $PGY: Pagaya Technologies Ltd. has closed RPM 2025-6 a $400 million auto asset-backed securitization (ABS) marking another strong execution within the"
X Link 2025-12-03T14:25Z 18.7K followers, [----] engagements

"It appears highly likely that Cellebrite $CLBT still hasnt managed to unlock the latest iPhone models. Contrary to various claims including a previous report of my own it appears that Cellebrites recent update does not enable the unlocking of these devices. In court Israeli police had previously argued that a software update - presumably from Cellebrite $CLBT - would soon allow them to access a suspects iPhone. However in a subsequent filing the police have effectively acknowledged that they are currently unable to unlock the device and moreover they admit that there is no foreseeable"
X Link 2025-12-03T19:39Z 18.7K followers, [----] engagements

"The most recent update Ive seen on this topic was published in April [----] when CyberSecurityNews. COM released the following table. It appears that for nearly two years now Cellebrite $CLBT has made little to no progress in unlocking newer iPhone models. It appears highly likely that Cellebrite $CLBT still hasnt managed to unlock the latest iPhone models. Contrary to various claims including a previous report of my own it appears that Cellebrites recent update does not enable the unlocking of these devices. In court Israeli https://t.co/2zwDRFsuA3 It appears highly likely that Cellebrite"
X Link 2025-12-03T19:50Z 18.7K followers, [----] engagements

"$CLBT During yesterdays discussion at the UBS presentation the company seemed to imply that they have successfully unlocked the iPhone - at least that is how I interpreted it. However this appears to be entirely inaccurate based on information coming from the Israeli courts and the Israeli police. Therefore Im quite surprised by the way the matter was presented. To the best of my understanding - and I want to emphasize that this is only my understanding and everyone is encouraged to review the source materials themselves - Cellebrite $CLBT has not managed to unlock the latest generations of"
X Link 2025-12-03T20:14Z 18.7K followers, [----] engagements

"Yesterday a report was published on the channel of Yinon Magal - an Israeli journalist - claiming that the company HapagLloyd is interested in acquiring $ZIM Integrated Shipping Services. This information was public for at least a full day and only this morning about [--] hours later () the story was reported in Israel by the newspaper @globesnews . Of course we havent heard anything from the company about this matter shameful and disgraceful"
X Link 2025-12-04T09:25Z 18.7K followers, [----] engagements

"$CLBT "Qatargate: The District Court overturns Judge Mizrahis decision and extends the polices possession of Orichs phones by [---] days In the overall balance between the infringement involved in seizing the devices and the public interest the public interest prevails ruled Judge Michal Brant. There is reason to allow the police to retain the phones even when there is no expectation that they can be unlocked". It appears highly likely that Cellebrite $CLBT still hasnt managed to unlock the latest iPhone models. Contrary to various claims including a previous report of my own it appears that"
X Link 2025-12-04T09:44Z 18.7K followers, [----] engagements

"The workers union at $ZIM is pushing back against the takeover bid from Hapag-Lloyd and has scheduled a meeting with Israels Minister of Transport according to a report by Globes"
X Link 2025-12-07T16:37Z 18.6K followers, [----] engagements

"$PGY JPMORGAN CEO DIMON: CONSUMER IS FINE CREDIT DELINQUENCIES HAVE NORMALISED. JPMORGAN CEO DIMON: CONSUMER IS FINE CREDIT DELINQUENCIES HAVE NORMALISED"
X Link 2025-12-08T17:01Z 18.7K followers, [----] engagements

"$PGY $PGY is one of the most obvious opportunities here. Institutions have been slowly but steadily building their positions since Q1. The company is clearly regaining their trust. There is still a way to go but 15x forward earnings is a no brainer for this stock. Long $PGY. https://t.co/elOBAcebHi $PGY is one of the most obvious opportunities here. Institutions have been slowly but steadily building their positions since Q1. The company is clearly regaining their trust. There is still a way to go but 15x forward earnings is a no brainer for this stock. Long $PGY. https://t.co/elOBAcebHi"
X Link 2025-12-14T06:32Z 18.7K followers, [----] engagements

"@AlboMP You didnt say a single word about this being an attack targeting Jews on Hanukkah Jewish Australian citizens. You are a vile antisemite. Their blood is on your hands. You knowingly emboldened the pro-Palestinian mobs. A truly malicious man"
X Link 2025-12-14T09:36Z 18.7K followers, 52.5K engagements

"A new partner joins Pagaya $PGY. Now wait for the big fish to follow in Q1. 🚀 $PGY - Pagaya Technologies Achieve Collaborate To Enhance Consumers' Access To Personal Loans On Achieve's Platform https://t.co/4fO2jJSvc9 $PGY - Pagaya Technologies Achieve Collaborate To Enhance Consumers' Access To Personal Loans On Achieve's Platform https://t.co/4fO2jJSvc9"
X Link 2025-12-17T15:35Z 18.7K followers, [----] engagements

"Consumer credit is in great shape $PGY"
X Link 2025-12-17T15:43Z 18.7K followers, [----] engagements

"This is a big deal 💪. With a 24-month revolving period the structure could support at least $1.15B of incremental volume over next two years. $PGY 🚀🚀🚀🚀🚀🚀🚀 $PGY: A new $325m PAID ABS deal (personal loans). Interesting thing about this one is that it's the first time they've done a revolver. Cash flow is reinvested into new loans during the first [--] months. I assume we'll get more detailed when they announce the closing. https://t.co/Hi5nXQoCyJ $PGY: A new $325m PAID ABS deal (personal loans). Interesting thing about this one is that it's the first time they've done a revolver. Cash"
X Link 2025-12-18T20:20Z 18.7K followers, [----] engagements

"Once again it becomes clear that so-called credit weakness has nothing to do with companies like Pagaya $PGY These are isolated localized issues confined to very specific segments. JPM discovered Tricolor had "serious material weaknesses in accounting" including double-pledged loans in early [----] Took another [--] months and a $170M loss to reach same conclusion. https://t.co/7ylEesQ1Rp JPM discovered Tricolor had "serious material weaknesses in accounting" including double-pledged loans in early [----] Took another [--] months and a $170M loss to reach same conclusion. https://t.co/7ylEesQ1Rp"
X Link 2025-12-22T15:56Z 18.7K followers, [----] engagements

"For anyone interested in learning more about U.S. consumer credit I highly recommend listening to this podcast. I remain very optimistic. The real issues are concentrated in the [--------] vintages which are no longer relevant for Pagaya $PGY More recent stress is mainly in the auto segment where Pagaya historically had limited exposure and only entered aggressively in the last period. As a result the loans Pagaya $PGY is originating today are underwritten with a strong margin of safety from day one. I am extremely bullish on Pagaya $PGY and over the course of the year I expect the companys"
X Link 2025-12-23T15:19Z 18.8K followers, [----] engagements

"The American dream: millions of children from Third World countries now dream of immigrating to the U.S. and becoming Somalis"
X Link 2025-12-29T06:55Z 18.7K followers, [---] engagements

"You already know the rule: Whats good for Upstart is good for Pagaya $PGY. Whats bad for Upstart is not necessarily bad for Pagaya $PGY. In this case credit tightening by credit card companies and the cancellation of consumer credit lines will inevitably increase demand for BNPL products as well as direct consumer loans from banks. The real beneficiaries are the companies that provide credit infrastructure to banks and BNPL players which is highly positive for Pagaya $PGY. Due to broader panic across the credit sector the stock may sell off at Mondays open along with the rest of the sector."
X Link 2026-01-10T21:08Z 18.9K followers, [----] engagements

"Greate $PGY .👇Yes sir. If this is enactedand thats a big if though part of me hopes it iswe would likely see a significant contraction in industry credit card lending. Credit card issuers simply wont be able to sustain profitability at a 10% rate cap. Consumers however will still .👇Yes sir. If this is enactedand thats a big if though part of me hopes it iswe would likely see a significant contraction in industry credit card lending. Credit card issuers simply wont be able to sustain profitability at a 10% rate cap. Consumers however will still"
X Link 2026-01-11T09:53Z 18.8K followers, [----] engagements

"" . . . https://x.com/wallstengine/status/2010661772060131595s=20 Mizuho says Trumps Truth Social push for a one year 10% cap on credit card APRs could have major positive ramifications for BNPL and personal-loan players like $AFRM $UPST $SOFI $XYZ and $PYPL. Their logic is that if banks respond by tightening credit to lower FICO https://t.co/rTuHxgYTu0 https://x.com/wallstengine/status/2010661772060131595s=20 Mizuho says Trumps Truth Social push for a one year 10% cap on credit card APRs could have major positive ramifications for BNPL and personal-loan players like $AFRM $UPST"
X Link 2026-01-12T12:29Z 18.8K followers, [----] engagements

"Pagaya $PGY a detailed thread 🧵 on why I think the company could be a major winner from Trumps new directive to cap credit card interest rates at a maximum of 10% starting January 20"
X Link 2026-01-12T12:47Z 18.9K followers, [----] engagements

"Why Pagaya $PGY BNPL players and banks with a strong focus on personal loans stand to benefit from this move Credit card companies currently hold roughly $1.23 trillion in consumer credit card loans. That represents an increase of about 60% from the COVID era lows likely driven in part by elevated inflation which has put increasing pressure on consumers"
X Link 2026-01-12T12:47Z 18.8K followers, [----] engagements

"According to data from the Atlanta Fed 82% of U.S. residents - roughly [-----] million adults - have at least one credit card. That helps explain the massive scale of outstanding credit card debt. Total card purchase volume in the U.S. in [----] according to the Nilson Report amounted to roughly $12.2 trillion annually of which $6.4 trillion came from credit card purchases. Many consumers use credit card lines to roll over unpaid balances. Given the sheer size of the credit card market this naturally translates into an enormous stock of revolving debt around $1.23 trillion in outstanding"
X Link 2026-01-12T12:47Z 18.9K followers, [---] engagements

"According to the New York Fed total U.S. household debt at the end of Q3 stood at roughly $18 trillion. Of that about $13 trillion was mortgage debt $1.23 trillion was credit card debt and roughly $1.6 trillion consisted of student loans. Pagaya $PGY does not currently operate in the housing market nor in student lending (to the best of my knowledge) and it is also not active in credit cards. Pagaya operates precisely in the remaining gap a roughly $2.64 trillion market that includes consumer personal loans BNPL and auto loans. https://twitter.com/i/web/status/2010695141883883806"
X Link 2026-01-12T12:47Z 18.8K followers, [----] engagements

"In Q3 [----] alone credit card balances grew by roughly $24 billion. If we assume around $100 billion in new credit card lending annually and consider an average interest rate of roughly 21% a simple back of the envelope calculation suggests that if 50% of that lending needs to find a new home in order to fall below the 10% cap. were talking about roughly $50 billion migrating out of the credit card market and into consumer personal loans and BNPL exactly the markets in which Pagaya operates. https://twitter.com/i/web/status/2010695144828235886"
X Link 2026-01-12T12:47Z 18.8K followers, [---] engagements

"Pagaya currently operates at roughly $10.7 billion in annual loan volume. What happens to the market when an additional $50 billion per year is redirected into it Its reasonable to expect Pagaya to capture a share of that flow. Even if it captures just 3% that would amount to roughly $1.5 billion in incremental volume a meaningful growth driver for the company. But theres also a cherry on top. Credit card borrowers are on average considered prime borrowers with FICO scores above the overall U.S. average of [---]. That means they are higher quality borrowers than Pagayas current average implying"
X Link 2026-01-12T12:47Z 18.8K followers, [---] engagements

"What I wrote here applies to $UPST as well. Pagaya $PGY a detailed thread 🧵 on why I think the company could be a major winner from Trumps new directive to cap credit card interest rates at a maximum of 10% starting January [--]. https://t.co/RStqC480oJ Pagaya $PGY a detailed thread 🧵 on why I think the company could be a major winner from Trumps new directive to cap credit card interest rates at a maximum of 10% starting January [--]. https://t.co/RStqC480oJ"
X Link 2026-01-12T13:34Z 18.9K followers, [----] engagements

"The entire $100 billion figure I calculated refers only to the annual incremental growth in credit card loans. But there is also the existing outstanding debt itself which stands at roughly $1.2 trillion. I havent yet checked how much of that balance is refinanced or rolled over each year and Ill look into it later today. That said across loans in general its reasonable to assume that roughly 10% are refinanced annually. In the case of credit cards - which are by nature short duration loans - its fair to assume that at least 20% are refinanced each year and likely more. 20% of $1.2 trillion"
X Link 2026-01-12T14:38Z 18.8K followers, [---] engagements

"A new report from Mizuho has just come out making the same point albeit without the numbers. I think this represents a fantastic opportunity for Pagaya and I hope the company takes full advantage of it. https://x.com/i/status/2010661772060131595 Mizuho says Trumps Truth Social push for a one year 10% cap on credit card APRs could have major positive ramifications for BNPL and personal-loan players like $AFRM $UPST $SOFI $XYZ and $PYPL. Their logic is that if banks respond by tightening credit to lower FICO https://t.co/rTuHxgYTu0 https://x.com/i/status/2010661772060131595 Mizuho says Trumps"
X Link 2026-01-12T14:38Z 18.9K followers, [----] engagements

"This is my own analysis and reflects my personal opinion only. Nothing here should be considered investment advice. I hold shares of Pagaya $PGY. DYOR"
X Link 2026-01-12T14:39Z 18.8K followers, [----] engagements

"Management has strong confidence.💪 $PGY $PGY: Very bullish signal from management Pagaya just disclosed that is has used cash from its balance sheet to repurchased $6.9M of its 8.875% [----] convertible notes on the open market at a significant discount. After private credit market fears flared up in Sep [----] these https://t.co/5zSk3ZbuDl $PGY: Very bullish signal from management Pagaya just disclosed that is has used cash from its balance sheet to repurchased $6.9M of its 8.875% [----] convertible notes on the open market at a significant discount. After private credit market fears flared up in"
X Link 2026-01-13T13:46Z 18.8K followers, [----] engagements

"Kevin Im trying to understand the gap between the current price and your PT is very small. Arent there more asymmetric opportunities in the market that would justify reallocating capital elsewhere Opportunities comparable to $SPHR at $26. Or have you perhaps grown attached to the position and the research around the stock https://twitter.com/i/web/status/2011134129455485261 https://twitter.com/i/web/status/2011134129455485261"
X Link 2026-01-13T17:51Z 18.9K followers, [----] engagements

"Over and over we see Pagayas $PGY tactic: minimal capital maximum loan volume. Volume growth in [----] already looks assured. by my calculations nearly $7 billion of forward volume is already locked in and its only January. $PGY: Pagaya keeps on executing = secures $350M of 2-Year funding that can flex up to $700M Pagaya Launches A Revolving Asset-Backed Funding Structure Backed by Personal Loans with Investment from 26North Pagaya expands its Personal Loan PAID ABS platform through an innovative https://t.co/uNhTHIWAK3 $PGY: Pagaya keeps on executing = secures $350M of 2-Year funding that can"
X Link 2026-01-16T14:18Z 18.9K followers, [----] engagements

"A [----] Kickoff Letter from Pagayas CEO and President to Employees Pagaya Pagayas CEO Gal Krubiner and President Sanjiv Das shared the below message to all Pagayans as we head into [----]. Ten Years of Momentum the Next Decade Begins Now Pagaya Team [----] marks a defining milestone for Pagaya: our [--] year anniversary. Ten years ago we started with the firm belief: that technology and data could fundamentally reshape how credit is extended to deserving consumers. Today Pagaya has grown into a scaled multi-product platform trusted by the worlds leading partners and investors all powered by AI and"
X Link 2026-01-16T14:26Z 18.8K followers, [----] engagements

"I hope that from this temporary bottom well regain momentum with more and more people joining in and realizing just how strong and undervalued the company is How I'm thinking about $PGY and why I like the name I'm still doing DD but will continue to follow the name for the next few weeks and probably add to the position. https://t.co/n4mPjcVaWm How I'm thinking about $PGY and why I like the name I'm still doing DD but will continue to follow the name for the next few weeks and probably add to the position. https://t.co/n4mPjcVaWm"
X Link 2026-01-21T06:24Z 18.9K followers, [----] engagements

"Indeed it cant be denied that several Israeli funds were hit hard by Pagaya first the real estate funds and later the debt funds before the models had fully matured. But all of that belongs to the distant past and for anyone whos been following the company its clear that there has also been a change at the management level. https://twitter.com/i/web/status/2014018833598611832 https://twitter.com/i/web/status/2014018833598611832"
X Link 2026-01-21T16:54Z 18.9K followers, [---] engagements

"@QuincyEdmundLee I dont understand how BESS and energy storage can be mixed together with generation these are two different systems. Even a BESS still needs to be charged by a power-generation system"
X Link 2026-01-21T17:21Z 18.9K followers, [---] engagements

"It sounds great Ill dive into it myself soon as well. $PGY $PGY: Some thoughts on this new debt structure. Announced $350 (really much larger) debt deal with [--] North and others. A few things that might go unnoticed here: $PGY: Some thoughts on this new debt structure. Announced $350 (really much larger) debt deal with [--] North and others. A few things that might go unnoticed here:"
X Link 2026-01-22T05:58Z 18.9K followers, [----] engagements

"Why is everyone talking about $FOUR while no one is talking about $PGY I made a list of the cheapest Fintech companies based on Price to Sales as that is a good way to value them. The average range is 5x to 7x. I have several companies cheaper and a few that are bubbly. $ROOT .88x $FOUR 1.54x $PGY 1.57x $TOST 3.73x $KLAR 3.76x $SE 3.9x $MELI 4.01x I made a list of the cheapest Fintech companies based on Price to Sales as that is a good way to value them. The average range is 5x to 7x. I have several companies cheaper and a few that are bubbly. $ROOT .88x $FOUR 1.54x $PGY 1.57x $TOST 3.73x"
X Link 2026-01-14T17:24Z 19K followers, [----] engagements

"@spacanpanman So the day Blue Origin signs a contract with $ASTS the combined valuation of the two companies would rival Starlink"
X Link 2026-01-21T21:21Z 18.9K followers, [----] engagements

"Three buy $LMND ratings in a single week with price targets moving up alongside the stock not bad at all The analyst consensus is now a Buy. If I recall correctly just six months ago it was a Sell and to the best of my memory it had been that way for four consecutive years. https://twitter.com/i/web/status/2014612548956389389 https://twitter.com/i/web/status/2014612548956389389"
X Link 2026-01-23T08:13Z 18.9K followers, [----] engagements

"Here you can see a basic comparison between Pagayas $PGY ABS transactions and those of Upstart and other consumer credit platforms. Contrary to the common myth that Pagaya targets weaker borrowers and charges higher interest rates KBRAs pre sale materials show Pagayas collateral pricing is meaningfully lower: 20.08% vs. 24.18% for Upstart (as reported in the comparison table). At the same time KBRAs base case cumulative net loss (CNL) expectation is materially lower for Pagaya: 16.86% vs. 23.74% for Upstart. Taken together that points to a more resilient credit profile despite lower stated"
X Link 2026-01-26T15:01Z 18.9K followers, [----] engagements

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