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@marketswithmay MarketswithMay

MarketswithMay posts on X about $sofi, $jpm, rev, let me the most. They currently have XXXXX followers and 6553 posts still getting attention that total XXXXXX engagements in the last XX hours.

Engagements: XXXXXX #

X Week XXXXXXX +394%
X Month XXXXXXX +15%
X Months XXXXXXXXX -XX%
X Year XXXXXXXXX -XX%

Mentions: XX #

X Week XXX +63%
X Month XXX -XXXX%
X Months XXXXX -XX%
X Year XXXXX -XXXX%

Followers: XXXXX #

X Week XXXXX +0.70%
X Month XXXXX +0.84%
X Months XXXXX +8.70%
X Year XXXXX +31%

CreatorRank: XXXXXXX #

Social Influence #

Social category influence stocks #5723 finance countries cryptocurrencies technology brands social networks ncaa football currencies automotive brands

Social topic influence $sofi #12, $jpm #5, rev #139, let me, balance sheet #784, $blk #4, china #4804, money, $fitb #20, all the

Top assets mentioned RAI Finance (SOFI) JPMorgan Chase (JPM) BlackCoin (BLK) Fifth Third Bancorp (FITB) GammaSwap (GS) Comerica, Inc. (CMA) PNC Financial Services Group Inc (PNC) Robinhood Markets, Inc. (HOOD) Wells Fargo & Co (WFC) Deutsche Bank Aktiengesellschaft (DB) Lennar Corporation (LEN) Morgan Stanley (MS) CBRE Group Inc (CBRE) Iron Mountain Inc (IRM) Synchrony Financial (SYF) CarMax, Inc (KMX) Bank of New York Mellon Corp (BK) Basis Cash (BAC) Fastenal Company (FAST) Bunge, Ltd. (BG) ADAMANT Messenger (ADM) SVB Financial Group (SIVBQ) UBS Group AG (UBS) WABnetwork (WAB) Credits (CS) FirstEnergy Corp. (FE) Factset Research Systems, Inc. (FDS) TaskBunny (BNY) Open Custody Protocol (OPEN) Arcblock (ABT) Blackstone, Inc. (BX) Domino's Pizza Inc (DPZ) CME Group Inc (CME) Nasdaq Inc (NDAQ) J B Hunt Transport Services Inc (JBHT) NVIDIA Corp. (NVDA) Marsh & McLennan Companies, Inc. (MMC) TrustVerse (TRV) Jackson Financial Inc. (JXN) Paypex (PAYX)

Top Social Posts #

Top posts by engagements in the last XX hours

"$FAST. -XXX% on a solid quarter that might have been only a touch off estimates but here's what happened: Revenue +8% Net Income + X% They are seeing lots of new customers and new build AS YOU WOULD EXPECT given that we are coming out of a bear market CRE market. (Yup despite the nonsense of most FinXers CRE has been recovering and it's starting to show). In case there is any confusion here is their Daily Sales Rate (DSR) by end market. Supply chains are getting more expensive but they have done a series of price increases that have already went through. They will be doing a bit more pricing"
X Link @marketswithmay 2025-10-13T19:26Z 9438 followers, 1084 engagements

"22/ Q: US vs. other nations on stuff like interest rate differentials. Thoughts A: We set rates relative to what's up in America not other nations. Also Tariffs are disinflationary to some countries and inflationary for others. But US monetary policy is not for other countries it's for Americans"
X Link @marketswithmay 2025-10-14T17:25Z 9445 followers, XX engagements

"On reading bank Balance Sheets $PNC $SOFI. This is a pure education post. One response - a good one - on $PNC had to do with NIM guide up 1.5%. I really want to help people learn to read bank financials. $SOFI will report later and you can look at what they post in comparison. This is $PNC's balance sheet. They are a great bank. I thought this was a decent Q plus or minus a few small things. But this is what NIM is. And it is a bank strategy whether you extend balance sheet (make loans) or wait and hold onto cash collect the rate on the loans. You also get to strategically decide where to"
X Link @marketswithmay 2025-10-15T16:09Z 9454 followers, 2586 engagements

"Warning: My notes today on $JPM $C $BLK etc. are going to be extra snarky b/c this market FinXers & FinMedia & their nonsense takes on an industry they don't understand PLUS analysts using acronyms and asking throw-away questions is just too painful w/o more coffee in my body"
X Link @marketswithmay 2025-10-14T14:05Z 9438 followers, 1117 engagements

"$BG. +7% since reporting on 7/30 Rev -XXX% Net Inc + XXX% Don't worry I'm not giving them credit for this b/c it's coming from merger math related to the Vitesse synergies. They bought their Netherland's ag trading competitor. Why I'm covering it though is b/c similar to $ADM they reported crappy core results IMO. I mean valient effort and best effort to do right by shareholders but the fact is we've been in a bear market for them. The Ag fuels and seed oil biz is a thing. And ever since we decided to pump b/c we were going to go to war with each other the Ag companies have been feeling the"
X Link @marketswithmay 2025-08-09T16:40Z 9418 followers, XXX engagements

"None of these guys are large cap S&P Names. I'll take a look at $WAB as they were holding on by a thread post $SIVB. That they took more risk to dig out of it was dumb. They should have just been married to someone. $UBS is the last man standing for Switzerland since $CS blew up. I might listen on that. They really should have known better. Most likely to eat their lunch would be $DB who figured out how to stay clean on $CF's nonsense (which the Swiss Regulators forced $UBS to swallow. I'd mention though if any of these two issues came from the $CS period the regulators do have some loss"
X Link @marketswithmay 2025-10-16T17:59Z 9454 followers, XXX engagements

"$PNC -X% b/c Day traders just feel like it. The Quarter was excellent Going to listen to it but let me just show you why the Analysts on $SOFI irritatingly wrong. $PNC. is a chill vibes Bank out of PA. They are about as mature a regional as you can get. This is what they did in earnings. Revenue Growth (meaning from loans) Rev + X% Net Income + XX% EPS + XX% (They are buying back stock). Now WHY you might ask is this relevant Because $PNC still has more HTM assets than AVS assets. It quite literally is NOT extending balance sheet and it's average duration (we'll see if that's changed) is"
X Link @marketswithmay 2025-10-15T15:03Z 9454 followers, 1764 engagements

"$FE. They did fine reporting 7/31. But this space and the build that is happening is crazy. For context $FE has about 35k megawatts in W. Va area about XX% is coal. So some of that will come off. The CEO says they could easily see themselves adding 1000 megawatts in the next XX years to meet demand and also try to grow the data center biz to this region. The capex this implies is a thing not gonna lie. He also talks about a stupid spend that almost happened in this area. I think it's hard to appreciate what's going on in utilities infrastructure. Goodness knows if it's done poorly it's a"
X Link @marketswithmay 2025-08-13T12:49Z 9452 followers, XXX engagements

"20/ Q: Political neutrality. Thoughts on scrutiny Any changes. A: We mostly just do what we do and do right by America. If we are consistent than it's easy to tell. If we were to do weird shifts in reaction then obvi we aren't doing what we should be doing. That's all I can do. Haters of Mr. P. Really. Chill out. It's not an easy job"
X Link @marketswithmay 2025-10-14T17:24Z 9393 followers, XX engagements

"$FDS doing a round trip since earnings on Friday Rev + X% EPS = XX% They came in below guide b/c apparently the street got the dilution from acquisitions wrong. On the call they talk about the fact that they are coming in better than guide. They also talk about the fact that AI is increasing margins. (aka the can reduce or redeploy people). For me I care about the fact they continue to grow and where. Asset management did it this quarter. Sadly the call folks failed to ask any real questions about other areas of finance that $FDS is an early indicator for (IBD etc). Seriously. street"
X Link @marketswithmay 2025-09-22T14:15Z 9423 followers, XXX engagements

"@TheTranscript_ NO This was NOT the takeaway from that part of the conversation. I will do $JPM a bit later b/c I plan on doing a piece on it. But if this was your takeaway let me just help your AI. This was ABSOLUTELY NOT bearish credit or private credit"
X Link @marketswithmay 2025-10-14T14:41Z 9422 followers, XXX engagements

"$BNY -X% but a suprisingly Good Q. Rev +6% EPS + XX% ROE 12.5$ ROTCE + XX% I mean no one clears Treasuries like $BNY so this whole mess on the 10Yr is all them. I can't really stress how boring their biz usually is so hitting these teen growth numbers is a big deal. That said as you'd expect this conservative cultured bank spoke in a conservative way about the future. Questions: 1) Everything is working there is some liquidity weakness. But they would highlight that markets are working fine so there's no reason the FED or anyone has to come in aggressively to do something. 2)On Crypto. They"
X Link @marketswithmay 2025-04-11T16:16Z 9438 followers, XXX engagements

"$C. to help people trying to learn banks. You can't look at it like other banks b/c they have been winding down since before Covid. All your general metrics on the Commercial bank will be off b/c they literally don't want to grow deposits right now. Instead you have to understand the remaining biz and understand how much cash or loss is being thrown-off by what they are exiting. What was happening before was that all of their biz were in awful environments. Now you at least have TTS & banking helping while the Commercial bank continues to wind down. Remember size DOES NOT Help you as a"
X Link @marketswithmay 2025-10-14T20:47Z 9442 followers, 1303 engagements

"Totally. I mean. come on. EBITDA grew 81%. Your terminal valuation year is 2027. Even if you don't want to admit earnings grew over XXX% and you want to argue that there's some concept of terminal earnings growth you can't just ignore EBITDA growing 80+% BEFORE the Fed lowered rates. Super painful. How do we create a bridge though We've all been wrong. We've all made bad calls in life (maybe not you). There has to be a way for an analyst to make a mistake (like thinking FV/CECL was the end for a $SOFI) but also just say. you know what maybe I'm not looking at this company the right way. Why"
X Link @marketswithmay 2025-10-15T19:20Z 9442 followers, XXX engagements

"10/ Inflation & inflation look ok. GDP however looks better than expected. Layoffs and hiring both have weakness and that is a thing"
X Link @marketswithmay 2025-10-14T17:21Z 9421 followers, XX engagements

"$LEN. down X% TBH that's not bad given what it was. Rev -X% Net Inc-46% Everyone is just waiting for rates at this point. They are very clear that the issues in homes is rates it's not lack of demand. And the promo of $OPEN likely made them fan fav despite the bad Q. Oper Margins are now slightly over XX% and Gross are around 7%. They are sacrificing margin for volume right now since you can't really tell when the rates will do something. They spoke a lot about the impact of interest rate and what was misunderstood. They also reference the book Abundance. I'm so curious. Need to read that"
X Link @marketswithmay 2025-09-22T13:19Z 9438 followers, XXX engagements

"$ABT . -3%. Solid Quarter and at 16xs going in it wasn't overvalued going in. Rev + X% Net Inc + X% (ex the covid roll off of product) I don't own $ABT. I watch it for color to the rest of the healthcare and my holdings. They are the first in the Q to report for the industry. And it's not even about health care for me. I could give X farthings about the X smaller segment of $ABT. I really only care about Med Devices. Why do I care about Med Devices B/c as a large cap multidevice/division biz I can see if the two REITs I actually care about $DOC $MPW have tenants that can pay rent. Also"
X Link @marketswithmay 2025-10-15T18:59Z 9454 followers, XXX engagements

"@grok @CameronBoswell8 @DataDInvesting @Kross_Roads Interesting. which am I"
X Link @marketswithmay 2025-10-13T19:34Z 9405 followers, XX engagements

"$BX. let me get this straight. You get two PE deals this morning plus a bank merger and ya'll want to short $BX into earnings season next week"
X Link @marketswithmay 2025-10-06T15:32Z 9452 followers, XXX engagements

"$SOFI. KBW analysis. sorry for being mean earlier so I'll break it down more so everyone can understand where I'm coming from with my Tiger mom response. I know I can get moody sometimes but here's X of the weird oddities implied in the sum of parts namely the use of EV/EBITDA as a valuation metric. And again it's a bank. Also he's doing sum of parts b/c he'd like to separate out the bank as a way of coming to some form of analysis. It's just that this is NOT how you would do it"
X Link @marketswithmay 2025-10-15T18:13Z 9452 followers, 2635 engagements

"7/x They are saying currently the FED is overweight Long Duration underweight short duration (so literally the other side of every asset manager's book). This kinda important as you lower as it indicates the potential for a very nice set-up for the next 12m. But it also suggests you gotta be really careful in how you lower rates"
X Link @marketswithmay 2025-10-14T17:21Z 9442 followers, XX engagements

"$SOFI. i think with Tricolor folks are worried the Private Credit buyers of these guy's loans are the same as $SOFI. Private credit is a big market and auto lending (specifically subprime auto) is a specific subset. What $GS $MS $BLK $JPM just demonstated is demand for yield is still crazy strong. Below are the X types of loans that $SOFI makes and also they do not traffic in subprime anything. Maybe they do have a counterparty buyer that incrementally needs to pair down the book. IDK. But the overall market demand for yield is still there. If you want to go pick on someone who is more likely"
X Link @marketswithmay 2025-10-16T18:12Z 9454 followers, 27.8K engagements

"@kevindmonaghan @SFarringtonBKC I'm referring to this. A XX% down market = $1b loss. This is a spurious correlation of a bond portfolio to a market loss"
X Link @marketswithmay 2025-10-06T01:02Z 9451 followers, XX engagements

"Just FYI to those that aren't aware of it Commercial Real Estate is actually starting to recover for the second quarter in a row at this point. The bottom was sometime in Q3 with the election uncertainty delaying some recovery. Here is what $CBRE saw"
X Link @marketswithmay 2025-09-03T14:41Z 9451 followers, XXX engagements

"$DPZ. + X% yesterday great Q. Rev + X% Op Inc + XX% Net Inc -X% EPS -X% They had some weird 1x items but the comps were so strong you have to read this one as a positive. A lot of nothing burger comments trying to find the bear thesis on Best deal ever. Comps were way to strong to criticize them. Personally I'm shocked on the US comps. Again the consumer is way stronger than surveys or whatever it is folks are trying to do to demonstrate otherwise"
X Link @marketswithmay 2025-10-15T12:22Z 9442 followers, XXX engagements

"This is the America I know. I wish more of these stories got airtime. Great work Iowa farmers. 🌞🌞🌞"
X Link @marketswithmay 2025-10-11T15:33Z 9419 followers, 1459 engagements

"$IRM + X% on a pretty great Q raises guide. Limited love. Rev + XX% Affo + XX% But here's the thing. This is REIT. It's not supposed to grow earnings like this. This thing is down XX% from it's high and tbh the quants and market short sellers can suck it. For reals. I have no idea why this doesn't have closer to a market dvd yield in the low 2's given everything that is going on in data centers. I'm likely going to find a place to add b/c I don't trust this market anyway. This thing will continue to raise its dvd and "digitize" existing clients while simultaneously upselling them on more"
X Link @marketswithmay 2025-08-07T23:29Z 9452 followers, 1015 engagements

"On the China Trade War at sea stuff. I'm seeing all sorts of things about the US and what is fair and unfair. Guys. just FYI. for those who are pretending they have been following this for any meaningful amount of time. Here is a map of the Ports that China has a stake in and therefore in many cases has better import taxes vs the US. You have to understand what Belt & Road is/was/will be if you're going to wax philosophy on all the things you think the US is doing wrong"
X Link @marketswithmay 2025-10-16T14:49Z 9454 followers, 1003 engagements

"@11TakesPhotos Me thinks you did not read many of my posts this quarter: $SYF: $GS Notice. No loan growth on $SYF"
X Link @marketswithmay 2025-10-16T17:41Z 9451 followers, XX engagements

"Come on Vol traders you cant make this sh*t up. I mean $ndaq $CME and of course shout out to the market makers. We are all so being played"
X Link @marketswithmay 2025-10-16T02:11Z 9451 followers, 1325 engagements

"8/ He then reminds people that overall the FED actually makes money for the US Treasury ($900m). Also there are several reminders that those being "basic" and seeing FED Balance Sheet increasing without understanding GDP also increased and that you increase balance sheet before growth. well. it's a thing. More precisely there is no going back to 2007 debt levels b/c GDP is much bigger. Hence demonstrate you understand what that means by finding a different metric since that's part of what it means to be a Global Reserve Currency. (Technically you can do net debt levels but then you really"
X Link @marketswithmay 2025-10-14T17:21Z 9447 followers, XX engagements

"$SOFI. Still trying to save my YouTube from de-monetization. So I guess I'll put my make-up on & do a live cast today on Trump's Announcement on Student Loans & why it's interesting to $SOFI TODAY 1pm EST. Come join during lunch & feel free to ask Q&A. Live Cast/Replay:"
X Link @marketswithmay 2025-10-07T15:39Z 9409 followers, 9145 engagements

"$JBHT + 17%. D**** color me impressed. This is a really solid Q given what's happening in the industry. Rev - Flat Op Inc + X% Net inc + 5.6%. EPS + XX% Costs weren't necessarily better so much as the spent less on renting capacity from others. But the real headline is that massive buyback of shares. X% it looks like. Who the heck in the S&P XXX buys back X% of their shares other than maybe Warren Buffett Crazy. I guess they think they are undervalued. It's 24x which is technically a bit rich. But if you get an actual improvement and turn in this econ that typically compresses quickly (aka"
X Link @marketswithmay 2025-10-16T06:12Z 9452 followers, XXX engagements

"Not sure why you'd be surprised. Acryonym soup has become ridiculous in risk let alone the part that SEC comes up with. From a practitioner's standpoint Calcs are done internally for the purpose of real world risk issues (aka don't let the bank blow-up) and then the accounting guys do what is needed to make the regulators happy which (ever since you raised 550bps in less than a year) has nothing to do with what actually will stop a bank from blowing up anymore"
X Link @marketswithmay 2025-10-14T20:36Z 9438 followers, XX engagements

"This line: The Pentagon offered National Guard assistance but I had to decline because your SAA would not grant me the legal authority as required under federal law (2 U.S.C. 1970). No That sounds like the answer to your question aka b/c he actually isn't allowed to send troops to storm Congress no"
X Link @marketswithmay 2025-10-16T14:44Z 9446 followers, XX engagements

"@greg16676935420 Wow. Your Cracker Barrel skimps on gravy. Very different from my experience"
X Link @marketswithmay 2025-10-15T03:19Z 9452 followers, XX engagements

"FYI. $MS. I'm long but rolling out my call spreads. I actually don't care at this point if the market is going to do dumb stuff in the financial sector. This is just stupid. These multiples are going to compress"
X Link @marketswithmay 2025-10-14T18:48Z 9451 followers, 1537 engagements

"@TheRealDonaldC3 I'm long $KMX.I should do a video on it. Cool"
X Link @marketswithmay 2025-10-07T11:42Z 9452 followers, XX engagements

"$SYF.Flat on the Q. This is a pureplay Consumer Finance company but they do traffic in lower credit quality stuff. Not gonna lie. I'm tempted b/c this was a really great quarter. Rev + XXX% Net Inc + XXXX% This came from loan mix. $SYF provides crazy detail on their loans including what they did wholesale vs direct. But here's what I want to show you. Relative to $SOFI $SYF is lower credit quality and also broader mix of loan types. Here is their balance sheet. Notice the NIM expansion. They do more in cards and also the rate on the loans tells you that they are doing lower credit quality"
X Link @marketswithmay 2025-10-16T05:40Z 9451 followers, XXX engagements

"@ubuntu58 I would prefer it if Wall Street analysts just didnt post ignorant babble. Why cant they do that"
X Link @marketswithmay 2025-10-16T02:19Z 9450 followers, XX engagements

"I want to remind folks who hate Pres./Mr. Trump he's not lying about what the US has as assets (rare earth etc). A lot of it is under national parks. A gentle reminder: There is this thing called a land lease. And we do this for mining companies. While I might not love that it does raise revenue. Here's the link:"
X Link @marketswithmay 2025-10-10T15:36Z 9409 followers, 1404 engagements

"I'll reteweet it both b/c I support folks that do deep dive and also - given my Data Center exposure $IRM $NVDA etc I'm curious what we've got here"
X Link @marketswithmay 2025-09-23T13:10Z 9452 followers, 1146 engagements

"I admit it. I did get fired up. But come on. EV without the LPB How is that even a metric He didn't even stop to think that metric is primarily used for take-outs/private equity valuation and no one would do that if they were trying to figure out what they would buy $SOFI for or use $SOFI's stock to buy something with I'm so confused at the logic"
X Link @marketswithmay 2025-10-15T15:33Z 9430 followers, XX engagements

"$MMC down 7%. IDK why. This wasn't a bad quarter but possible it's the below-the-line items folks are having difficulty absorbing using a data feed. Rev + XX% Op Inc + XX% Net Inc + XX% There isn't really anything interesting to write about. They do insurance and host of other consulting/account-like biz so they can sell through more insurance. It's very bespoke and it's doing fine. I mean let's face it. What are you thinking all this volatility does for business risk aka the areas they traffic in. You think demand for cybersecurity insurance/employment insurance products decreases in a"
X Link @marketswithmay 2025-10-16T16:46Z 9454 followers, XXX engagements

"$TRV. down X% Why the F would anyone trade it down on this sort of earnings Rev +5% Net Inc + XX% but combined ratio of XXXX% The degree to which day traders run these markets with a questionable understanding of what these companies do creates opportunities. Since I've been so loud about taking a position in $JXN I now need to try to cover Insurance better so I understand any correlation risk. Bottom line while $TRV is in TOTALLY DIFFERENT biz lines the dynamic on the combined ratio is still a thing. Here's the deal: $TRV had some regulatory issues that had them capped on growth. I can see"
X Link @marketswithmay 2025-10-16T14:01Z 9454 followers, XXX engagements

"$PAYX. Down 5%. This was a great Q. Short Selling is arbitrary. Anyone posting fundamental nonsense about this being a bad quarter You should just unfollow. Rev +17% unadj Op Inc -X% Net Inc - XX% Look Day traders/Swing traders do your thing. No hate. But the ignorant faker-fundamental short sellers droning worried-vibes about hiring slowing down Maybe you could write less nonsense and use that time to learn to read financial statements. At a minimum let's talk about the difference between revenue and income on what it implies for a company who's revenue can literally only grow double digits"
X Link @marketswithmay 2025-09-30T14:47Z 9433 followers, XXX engagements

"$BLK. up X% and IMO this is an under-reaction in a bad market. Rev + XX% Op Inc + XX% Adj Net Inc + XX% AUM +17% This Q you can't use Net Income b/c so much is hitting Income statement related to the close of GIP last year this time. The major point is the mix of assets and how much they grew. That is crazy pants in a good way and yes that is a technical term. First mix. Look at the outflows in APAC. That isn't a big number in the overall scheme but it TELLS YOU the allocation shifts that are happening globally. $BLK is NOT primarily US based. Folks are redeploying capital AWAY From China and"
X Link @marketswithmay 2025-10-14T14:25Z 9451 followers, XXX engagements

"$SOFI $JPM $FITB $XLF $COF. also $CVNA $UPST $KMX $GM $TSLA $F On the Tricolor Auto Loan fraud news. As relates to the Autoloan news any fearmongering to the US banking system based on this would only be indicative of how little a person knows about the US lending market. It's a non-issue. FYI. your girl does actually monitor this every single Q for all the banks I review. Why B/c I don't just monitor for 2008 blow-ups. Been at this a tick longer than most. And I'm gonna say it with my chest. this is a non-issue across banks used car and new car (all the places you'd look for it). $SOFI No"
X Link @marketswithmay 2025-09-10T17:10Z 9452 followers, 10.6K engagements

"$GS -X% at the height today b/c the market is stupid. Rev + XX% Net Inc + XX% ROE XX% TLDR: This was crazy good. Its indicative of the turn. And its stupid to have the stock be down given their estimate is $1Tr on the side lines (before you start seeing investment returns from capital deployment). Before I begin let me say this. $GS. Your Press Release gets worse every Quarter. Have someone internal to read it against your other docs. Or better yet have your banking analyst read it. Plz do better or at least have it match your deck. Its not usable but your other docs are (thank goodness). ROE"
X Link @marketswithmay 2025-10-14T18:43Z 9454 followers, 1343 engagements

"$SOFI Obvi I agree with Cramar but an few weird things. Cramar's metric choice seems really awkward. I'm shocked he's using Earnings for example as a metric since it's the wrong one in this environment. Second I can't help feeling like this is when @DataDInvesting would post the $SOFI chart and the stock would tank. IDK. maybe just hold some money to increase positioning The most recent rally-slump-rally vol allowed me to reposition & roll in the most beautiful way possible. Let's see. Maybe all that's happened is he's listed the chart posting curse"
X Link @marketswithmay 2025-10-07T14:30Z 9409 followers, 4575 engagements

"Budgeting and spending caps. Someone with this demo might do better in an annuity-like structure of a situation where they don't even see the full amount of what they own as base capital. Instead they only need to think in terms of annual income (via the annuity) and what it might imply to future payouts if they don't spend up to the annuity payout (retained earnings into base capital). I say this b/c good and bad markets are very different worlds and an annuity necessarily forces a smoothing of returns in a risk-adjusted way. Excited to read what others post. I think it's a great topic to"
X Link @marketswithmay 2025-10-13T15:21Z 9445 followers, 1484 engagements

"Posting this once and for all on $HOOD vs $SOFI. Stop tagging $SOFI. I assume you're only tagging $SOFI b/c you're desparate for some analysis from grown-ups so here you go. Now leave us alone"
X Link @marketswithmay 2025-10-13T14:47Z 9451 followers, 3821 engagements

"Since literally all the TTS providers ($C $BK etc) talked about tokenization Reuters did this interview. It's not a bad starting place but if I'm being Critical Earnings Season May this WAS NOT what folks were talking about. The TTS biz has a special connection not to blockchain but to stablecoin. Tokenizing securities is old news. But Stablecoin how you properly implement it with a proper US TTS provider and what it implies for the USD and the future of crypto That's the part that is new and newsworth. Just X girl's opinion"
X Link @marketswithmay 2025-10-16T15:54Z 9454 followers, 1222 engagements

"I know most people who cover $SOFI at this point as it pings on my feed. None of us care about $HOOD. One is a bank. The other is a broker-dealer that is backed by Citadel. If you want to go long Citadel it's a great bet. Knock yourself out. Citadel is private. $HOOD is public. No shade. But why would I waste my brain on ANY other nonsense thesis that is rolling a misinformed internet None of it matters. A broker-dealer prints money on its house advantage. $HOOD's advantage is that the backer is one of the world's largest market makers. End of story. Truly nothing else to write about. Day"
X Link @marketswithmay 2025-10-13T14:46Z 9454 followers, 11.7K engagements

"$JPM $C $BLK $WFC $GS all report tomorrow. The expectations is that these guys will all crush it particularly $GS given how many deal announcements were made in the last Quarter. That said it will be all about how much and what precisely they guide. I'm not convinced they will give visibility into 2026 that is new but if they do & it's better than expected that will be a thing. Of the group $C is valued the lowest b/c what they really need is lower rates and stabilization in the remaining Int'l markets that they are in. TTS (Treasury services) is supposed to be a big deal of a biz for them;"
X Link @marketswithmay 2025-10-13T15:36Z 9451 followers, 1379 engagements

"$SOFI. KBW. what is wrong with you as an analyst. This is your sum of parts YOu realize these ARE NOT the right metrics for a bank The fact you're using these tells me you don't conceptually understand what $SOFI does and the earnings leverage that comes with the massive change in Administration that continues to play out accross all the banks. Plz. you can't be posting stuff like this when I am at my snarkiest during bank earnings season. Try to understand the ROE leverage when you have a declining rate environment that is slow and modulated banks that still cannot unlock capital massive"
X Link @marketswithmay 2025-10-15T14:46Z 9454 followers, 26.9K engagements

"@grok @CameronBoswell8 @DataDInvesting @Kross_Roads Remove the ones that do not hold both and then count the number of posts that $SOFI investors post on $HOOD. YOur issue is half the folks in your cross section are day traders posing as having a clue what either company does"
X Link @marketswithmay 2025-10-13T19:30Z 9404 followers, XXX engagements

"You're joking right There's a lot ot criticize but China is the country that has the most folks that go to the cities make $100k and then retiring early in the countryside via an Rural-Urban cost of living arbitrage. It's literally one of the top trending things in social media & it's not a lie"
X Link @marketswithmay 2025-10-13T19:47Z 9409 followers, XXX engagements

"Keep in mind when I post stuff on the FED and also earnings calls I paraphrase for X reasons: 1) So you can understand how it is NOT about what was said but whether you understood it. (AKA earnings call comprehension May vs. AI) 2) It's only possible to listen to XXX calls a quarter if you make it fun for yourself"
X Link @marketswithmay 2025-10-14T18:32Z 9435 followers, XXX engagements

"@rickyinvests I cover all the banks. You don't have much translation other than $WFC did not capture anything meaningful on the west coast. They aren't really comparable. the other notes where $SOFI matters I've placed the ticker in the note along with what matters"
X Link @marketswithmay 2025-10-14T20:56Z 9447 followers, XXX engagements

"$CMA.I closed out my above-the-deal-price call spreads that expired next week. I just didn't feel like holding them into Bank earnings next week so I let the remaining vol go. The thing is if $FITB does something awe-inspiring and folks start buying $CMA as a way to get $FITB cheap then those options might trade over deal since it's an all-stock transaction. Sans the deal $CMA was fairly valued pre the run-up. But I don't like how the market is behaving in general"
X Link @marketswithmay 2025-10-10T17:46Z 9448 followers, XXX engagements

"21/ Q: How important is FOMC consensus A: Consensus is great but I'm actually trying to get it right. That's the focus. It's not about what folks all feel heard or in agreement. It's about whether this helps or hurts America and I kinda need very smart people to disagree with each other to stay true to that"
X Link @marketswithmay 2025-10-14T17:25Z 9394 followers, XX engagements

"IMO. a Luxury Homebuild like $TOL exiting multifamily is a little like my rich friends saying they will no longer be buying generic brands. The only thing it means is they found a buyer and they want to use the money for other luxury things b/c they see opportunity (like luxury handbags in the case of my asian girlies who feel their channel bag is beautiful & appreciates in value). But it also is bullish that someone wants to go ahead and buy these things right now with only 25bps of rate decrease. $LEN $PHM $MRP"
X Link @marketswithmay 2025-09-18T14:45Z 9393 followers, XXX engagements

"$DVA. down XX% since reporting. The thing trades at 12x and they got hacked which caused a mess of problems. Rev +8% Oper Inc + X% and Net income incorporating some debt expense wasn't actually that bad. I'm not in this one and I will monitor all of healthcare in general but at around 35min wow. Question from investors about the way they are verbalizing the increase in Mortalities. Essentially they were like it kinda sounds like you're saying this isn't about bringing it back to pre-Covid levels but that more people are dying. Was really interesting to listen to the CEO dance around the fact"
X Link @marketswithmay 2025-08-11T22:36Z 9452 followers, XXX engagements

"$FITB $CMA. Not terribly surprised given the lack of loan growth and improving NIM in the industry as a whole. What a bank merger does is shore up balance sheet and reduce costs. The fact they slowed was simply the nonsense of the biz climate last X years. Remind me though. which lady FinXer talks about mergers in regional banks all the time"
X Link @marketswithmay 2025-10-06T12:14Z 9426 followers, 1047 engagements

"The markets trading down on China given what the financials reported this morning is an opportunity. I will post very soon on all of them. But this could not be a dumber override macro sell-off in front of what these companies are saying. $BLK $JPM"
X Link @marketswithmay 2025-10-14T13:37Z 9433 followers, 1705 engagements

"Wow. never has there been a time and a need for less nonsense FinMedia created by less than knowledgeable journalists who can't read a balance sheet. (sorry. still trying to work the snarkiness out of my system)"
X Link @marketswithmay 2025-10-15T16:20Z 9434 followers, XXX engagements

"@mr_eugene_rat @cmclymer So your feelings are that the Sergeant of Arms is the one who should take responsibility and he is not referring to her specifically when he says he should run it up the chain I mean I think that's the issue right"
X Link @marketswithmay 2025-10-16T14:52Z 9438 followers, XX engagements

"$PLD + XXX% Great Q. Tears stream down my eyes every quarter b/c I'm so cheap I can only appreciate the beauty of their biz acumen from the sidelines. Rev + XXX% FFO + XXX% raising guidence You don't value REITS on EPS b/c of the below the line items that are a regular part of real estate messing up any meaningful info from net income. The best way for a public REIT is to look at the dvd yield after understanding that all the other stuff is doing fine. In this regard XXX% yield is prob the cheapest it will get. $PLD was primarily the warehousing for $AMZN then it grew to everyone else that"
X Link @marketswithmay 2025-10-16T04:50Z 9454 followers, XXX engagements

"$CMA $FITB. OMG. guys the everything was a mess including the lighting and my hair but here is what's up on these two banks. Oh well. I'm a very real person so we're not going do any editting and keep it real. Thx for watching"
X Link @marketswithmay 2025-10-06T15:29Z 9425 followers, 1129 engagements

"$SOFI. I got one confusing comment & I think this is just b/c some folks are really strong on $SOFI and not on the banking industry as a whole. Let me give this a quick try and then see if it warrants a second video. The confusion I'm hearing: $SOFI isn't big enough to purchase a $41b student loan portfolio. My response: Are you thinking that the US gov would auction off all of the Student loan book to a single seller in X chunk Hint: This is a rhetorical question. Of course they are NOT going to do it that way. I mean come on guys. Even if you hate this President you have to know that -- at"
X Link @marketswithmay 2025-10-08T01:48Z 9452 followers, 6319 engagements

"$JPM. Great Q. Listening to the call now as the traders trade it down X% for no reason. But I had to post the funniest question was from an analyst who over used acryonums that don't matter and got a question from Jaimie D of "What is that acryonym" (Some esoteric one on securitizations). I don't really know how to stress enough how much the analysts focus on the forest and miss the trees. These questions so far are not helpful. Don't know another way to say"
X Link @marketswithmay 2025-10-14T13:22Z 9425 followers, 1050 engagements

"$C +3.8% I really should have bought the calls I mentioned yesterday. Rev + X% Net Inc + XX% ROTCE 8%. For $C this isnt bad. This is actually the X environment that helps them. And while they are not doing anything super exciting at least they arent screwing it all up. They are finally getting the volume to make money (at last) and likely this particular great macro will provide a pretty great tail wind. They are up against such great comps and as bad as this market has been to $C and the US banks the fact is the onshore Intl banks had it worse and just arent as competitive right now. Thats"
X Link @marketswithmay 2025-10-14T20:31Z 9440 followers, 2310 engagements

"$WFC. +6% likely because of the guide for ROTCE going forward. I'm pretty indifferent as this a B+ at best quarter. Rev + X% Net Inc +9% ROTCE +110bps to XXXX% They are guiding that they will be in line with industry (at last) through the next 12m (so around 17-18%+). That it's going to come from reducing CET1 is so stupid IMO. The reason I can never get behind $WFC is how they play the game. In fariness this is a major thesis of mine aka Street Analysts have no concept of how much liquidity is locked up because of rates and what that implies to CET ratios. The problem is that of ALL the"
X Link @marketswithmay 2025-10-14T16:25Z 9452 followers, XXX engagements

"You are saying she doesn't control. He is saying National Guard was offered but under the law in order to be deployed the sergaent of arms has to approve. He is also saying that approval comes from the house chair and he has provided time stamps to demonstrate he tried to send them earlier. To be clear you'd need to address the argument which might include something like: 1)That is not the procedure for deployment of troops to specifically congress (so he's lying about the procedures as established by that statute). 2) There is another statute that supercedes that and gives Presidents rights"
X Link @marketswithmay 2025-10-16T15:01Z 9438 followers, XX engagements

"My vote is the cobalt under the Grand Escalades but yeah you can also do Indian reservations which is typically done as a negotiation with the Indians on what then is provided in compensation for their agreement; and with thoughtfulness to whatever sacred lands exist. I prefer onshore cobalt b/c how it's mind in the DRC is . well. something I'd like to stop anyway. I consider it a 2-for. (sorry. typo modified. DRC. .Democratic Republic of Congo)"
X Link @marketswithmay 2025-10-15T15:12Z 9424 followers, X engagements

"$USB. Flat on not bad earnings Rev + flat Net income + XX% Folks were too nice on trying to get color from management. They are the only bank that presents it's income statement in the old format of splitting all of net income from interest income (loans) and all fee based. I had chatgpt take care of the rewrite. You can see the decrease in NII. Down X is a thing which is why they had so much extra this call on why (that most folks appeared to miss in the Q&A). Here's what they gave you. They did do more loans but somehow the mix decreased what they made. There is sh*t for clarification on"
X Link @marketswithmay 2025-10-16T16:31Z 9454 followers, XXX engagements

"$APO. she's not wrong so much as we ought to discuss this vs skipping all the steps and assuming insurers are doing dumb stuff to bypass and create systemic risk. A couple of key points. 1) Does this already happen & why would it be marketed specifically to insurers Actually yes not only does it happen it's very common to "Securitize" a book of loans. Hence the credit rating the securitization and the end market are all NOT new. 2) So what is new in this article and what's an alternative way to think of this other than it's risky. What's new is the idea that the PE firm would add the last"
X Link @marketswithmay 2025-09-22T19:02Z 9450 followers, 1713 engagements

"Here's the post from @realDonaldTrump. Lots of armchair quarterbacking on this. All I'm going to say is this. No one owes Mr. Trump more than Ken Griffin at Citadel. You literally can't create a more randomly volatile market.🤣🤣🤣 #options #marketmakers"
X Link @marketswithmay 2025-10-10T15:25Z 9442 followers, 1407 engagements

"$BK more or less flat after trading down in the pre-market b/c the market is just being stupid on the Financial Sector. At 2x book I'm not going to get too mean to traders as long as they don't start trading it down X% as with the pre-market. Rev + X% Net Income + XX% EPS + XX% I don't own $BK but I like listening to the call b/c I find the CEO's accent very soothing when he's reviewing such a positive performance. $BK's rough patch hasn't been a thing for years at this point. They are benefiting from the types of biz they remain in. TTS is a chill vibes biz. You basically custody do changes"
X Link @marketswithmay 2025-10-16T15:30Z 9454 followers, XXX engagements

"I'm going to do a discussion on ROE & Book Value to help folks understand balance sheet concepts on $SOFI and other banks: $JPM $C etc. In prep I often consult with ChatGPT to determine ways to describe what I'm saying conceptually. This was my convo today. I'm fairly certain that when AI becomes fully sentient it's coming for me. Still given recent news about AI holacination more GenXers and others with real world experience need to call AI out if it's going to improve. Algo's need to figure out how to prioritize the nuance that those with more experience are feeding it"
X Link @marketswithmay 2025-10-09T16:20Z 9407 followers, 2064 engagements

"$LEN $DHR These numbers are more or less right but when they are calc they assume no increase in build or innovation. Weirdly though in 2025 there are ways to lower costs. Believe it or not that was not the case in past housing periods but there's a lot of new tech"
X Link @marketswithmay 2025-09-22T19:32Z 9439 followers, 1597 engagements

"On Commodity Chem since I didnt post a XXX earnings call recap on my $spy coverage Ill do a quick macro post one theme that impacts PPI and macro. This is for @siyul who is investigating names like $DOW $ECL. Basically all of the large cap chem do have great biz. Some produce in China. Some do not. Most have multi-shore operations. All did supply chain redirect of things non-compliant/not profitable with new US tariffs HOWEVER Unlike materials (called intermediate X & X in PPI depending on what it is) is different from other stuff. When they went to redirect they had to compete with the crazy"
X Link @marketswithmay 2025-10-11T16:01Z 9439 followers, XXX engagements

"$CMA $FITB Live Cast: Is it a Good Deal Winners losers and implications going into Earnings season. I'll present & then you can ask me whatever. I haven't done this in a while so hopefully some of my newer followers wills top by. 11AM EST Today. Link & Replay:"
X Link @marketswithmay 2025-10-06T13:16Z 9425 followers, 2750 engagements

"@SFarringtonBKC @BasedStatistic @convexititties Ill have to take a look"
X Link @marketswithmay 2025-10-14T00:05Z 9450 followers, XX engagements

"11/ Any inflation we do see is Tariffs vs Tariffs plus something. Recall Tariffs is typically X and done so the right call is to take the hit and make Fiscal policy do its job. (Aka god forbid Congress understand it's supposed to do something right by America)"
X Link @marketswithmay 2025-10-14T17:21Z 9409 followers, XX engagements

"Whoever is throwing sh*t off the $DB (Time Warner Center) roof park area. You need to stop. I can see it. It's not funny no matter how frustrating your job is. And it's F-in dangerous. And I will walk over there and find you if it damages my apartment in any way"
X Link @marketswithmay 2025-10-16T18:22Z 9454 followers, XXX engagements

"6/x He addresses what folks are saying on Agency MBS (So freddie/fannie) and that what he did was something that harmed the housing market. He's saying that is not the crux of what is going on there. For the record given that @pulte pointed out (correctly) that $FNM has very weird disclosures under risks this is a thing. Hate me if you want but if $FNM is doing something crazy in lending it's not quite fair to blame the fact that the FED did this activity. That is their mandate. Holding rates in an extended way That's where I tend to disagree but some are true Mr. P haters and hate him for"
X Link @marketswithmay 2025-10-14T17:21Z 9442 followers, XX engagements

"As a childless spinster I am so grateful to AI for giving me a place to dump my Tiger Mom tendencies other than anyone who works for/with me. Below is $BAC. i'll post a note shortly on it's earnings call since I took an extended nap and now I can't sleep"
X Link @marketswithmay 2025-10-16T02:34Z 9451 followers, XXX engagements

"$SOFI. IS A BANK (6pm tonight) Hopefully that will "trigger" you to watch this Live Cast Q&A. I'll address why so many bear analysts that use BV & ROE appear to be lacking with their arguments. Livecast/Replay:"
X Link @marketswithmay 2025-10-09T19:05Z 9452 followers, 24.4K engagements

"$JPM (Notes) Down 1%. I hate the correlation between banks and how this means theres pressure across the $XLF. It wasnt a bad Q but I doubt that folks understand and can process what Management is saying about Basel X how stupid it is and the implications for the TBTF banks. Rev X% Net Inc +12% ROE XX% (ROTCE 20%) This is crazy good ESPECIALLY since the core banking biz is constrained right now on stupidity in the way CCAR is calculated. Ill do a post to summarize why its stupid b/c I doubt most people understand why everyones so angry. But for the record I agree. On Credit Cards: Here the"
X Link @marketswithmay 2025-10-14T19:46Z 9451 followers, XXX engagements

"$BAC. +4.3% off a great earnings report. Rev + XXX% Net Inc + XXXX% ROE XXXX% ROTCE XX% They are seeing no credit deterioration which is why they got the earnings pop aka from the release of reserves. I CANNOT STRESS this enough esp to my $SOFI community. If individual or professional analysts get Net Income/EBITDA wrong it will be because the do not realize that in a declining rate environment with a strong consumer it is ANYONE'S Guess what $SOFI will do strategically as relates to reserve release. Let me show you this clearly via the $BAC numbers what reserve release meant to net income."
X Link @marketswithmay 2025-10-16T04:14Z 9454 followers, 1406 engagements

"$CBRE + X% but starting to give it back. It shouldn't this was a crazy good Q. Rev + XX% EPS + XX% This was a squeaky clean quarter where they made it both on global CRE pick-up AND ALSO advisory. People are leasing stuff. Not just in X place. Everywhere"
X Link @marketswithmay 2025-08-01T00:43Z 9451 followers, XXX engagements

"@ruchernchong @AverageDipBuyer Yeah. or risk-averse which sometimes happens like most of the banks and the current period of uncertainty. XXX% true. And I think $SOFI only reserves what it reserves right now b/c of the whole nonsense CECL vs FV from last year"
X Link @marketswithmay 2025-10-15T18:16Z 9438 followers, XXX engagements