@trevhesinvests Avatar @trevhesinvests Trevor Heslop

Trevor Heslop posts on X about $pgy, $zeta, business, in the 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 39.04% stocks 37.67% technology brands 15.07% cryptocurrencies 12.33% social networks 3.42% countries 1.37% financial services 0.68%

Social topic influence $pgy #4, $zeta #49, business 9.59%, in the 7.53%, company 6.85%, $upst #44, ai 6.16%, meta 6.16%, $meta #460, balance sheet #2577

Top accounts mentioned or mentioned by @investordenis @thephiloinvest @endicottinvests @wealthmatica @dubbiosismo @growththesis @qualtrim @ashton1nvests @galkrubiner @longgameequity @lngtermcapital @investincintel @lpm1985 @clothoprime @beleggerbas @kkkdhoo @guin36 @dclercq97 @jarad1821 @ravidhaliw

Top assets mentioned Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) ZetaChain (ZETA) Upstart Holdings, Inc. (UPST) Metadium (META) fuboTV Inc. (FUBO) Advanced Micro Devices (AMD) Amazon.com, Inc. (AMZN) Nebius Group N.V. Class A Ordinary Shares (NBIS) Alphabet Inc Class A (GOOGL) aelf (ELF) Adobe, Inc. (ADBE) Mastercard, Inc. (MA) Comcast Corporation (CMCSA) Charter Communications Inc (CHTR) PepsiCo, Inc. (PEP) Monster Beverage Corp (MNST) Netflix Inc (NFLX) DisChain (DIS) Palantir Technologies Inc. (PLTR) Uber Technologies, Inc. (UBER) Microsoft Corp. (MSFT) Affirm Holdings, Inc. (AFRM) Figure Technology Solutions, Inc. (FIGR) RAI Finance (SOFI) Masco, Corp. (MAS) Celsius Holdings, Inc. Common Stock (CELH)

Top Social Posts

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

"$PGY currently trades at 1.5x P/S. let's compare that to it's peers: $UPST 4.45x 65% YoY rev $AFRM 6.82x 34% YoY rev $SOFI 7.33x 29% YoY rev $LC 1.87x 16% YoY rev $FIGR 29.97x 156% YoY rev $PGY: 36% YoY revenue expenses -21.8% YoY [--] straight GAAP-profitable quarters FCF +700%+ YoY As long as execution continues a re-rating is only a matter of time If we see $PGY re-rate to even 4x sales & revenue grows by +20% over the NTM which is conservative imo that implies a 220% gain from today's price ($70) The risk to reward is extremely attractive https://twitter.com/i/web/status/2015028055056531627"
X Link 2026-01-24T11:45Z [---] followers, [----] engagements

"Yes that's correct. They have beat on the top & bottom line for [--] consecutive quarters leading up to Q4 [----]. $358M would only be 17.7% YoY revenue growth which represents a major deceleration from 40% YoY rev growth in the previous quarter. This isn't that alarming because a) seasonal effects with Q4 volumes typically moderating b) tougher YoY comp with Q4 24' being their first quarter above $300M in revenue and c) management's focus on operating leverage & profitability rather than "growth-at-all-costs" https://twitter.com/i/web/status/2016207700284060116"
X Link 2026-01-27T17:52Z [---] followers, [---] engagements

"Yesterday I bought $PGY & $ZETA What should I buy today"
X Link 2026-01-28T12:00Z [---] followers, [----] engagements

"The math says that $PGY is the better investment but this chart doesn't fully capture the risk. $UPST has higher cyclicality + funding risk. When capital markets freeze and loans don't clear $UPST ends up: - Holding loans longer than expected - Cutting volume aggressively - Taking a hit to revenues AND margins $PGY on the other hand takes far less balance sheet risk. It typically only holds 1.5-5% of loans which means when capital markets tighten $PGY can: - Keep operating without liquidity stress - Adjust underwriting instead of shutting down volume - Cap it's losses institutional investors"
X Link 2026-01-28T18:59Z [---] followers, [----] engagements

"$PGY is down nearly 6% today and I believe this moves relates back to $FICO's earnings last night here's why: - They reiterated guidance but they didn't raise. Management said that they need another quarter of data before updating their outlook. This is a yellow flag for near-term visibility - Mortgage uncertainty was flagged due to rate volatility and when mortgage confidence is low lenders tend to tighten across credit. - Their software growth slowed margins dipped & spending rose. That's a signal for softer demand for credit analytics. This caution from $FICO management has spilt over into"
X Link 2026-01-29T15:45Z [---] followers, [----] engagements

"$MA's VASS grew 26% this quarter & 21% for FY 25' VASS now makes up 44% of Mastercard's total revenue vs 38% at the same time last year. 60% of VASS revenues are network-linked. This is where the growth opportunity lies within $MA Mastercard is quietly becoming a payments OS. Value-Added Services (cybersecurity data fraud) grew +26% this quarter. That's a $500B TAM with 6.5% penetration. $MA https://t.co/VLwNWvPBuh Mastercard is quietly becoming a payments OS. Value-Added Services (cybersecurity data fraud) grew +26% this quarter. That's a $500B TAM with 6.5% penetration. $MA"
X Link 2026-01-31T14:59Z [---] followers, [---] engagements

"@qualtrim VASS is quietly becoming the core growth engine at $MA. With 26% growth this quarter and 21% in FY25 it now represents 44% of total revenue versus 38% a year ago. Not too mention 60% of VASS revenues are network-linked and the network continues to grow at high single digits"
X Link 2026-01-31T15:04Z [---] followers, [---] engagements

"🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural shift not a short-term cycle (1/9) $FUBO"
X Link 2026-01-31T19:13Z [---] followers, [----] engagements

"$CMCSA (Comcast Corp - Xfinity) - 22.4M subs in [------] 11.3M today (50% decline) - Lost 1.58M TV customers in [----] - Lost another 1.25M in [----] Churn remains elevated despite pricing changes and bundling efforts (2/9)"
X Link 2026-01-31T19:13Z [---] followers, [---] engagements

"$CHTR (Charter Communications - Spectrum) - 17M subs in 2014-2015 12.2M today (28% decline) - Lost 1.08M Pay-TV subs in [----] - Losses slowed to 285k in [----] The slowdown came largely from bundling Disney+ Hulu Max and others not from a recovery in traditional Pay-TV demand (3/9) https://twitter.com/i/web/status/2017677599728628124 https://twitter.com/i/web/status/2017677599728628124"
X Link 2026-01-31T19:13Z [---] followers, [---] engagements

"Great minds think alike. Look into $CELH. recently acquired Alani & Rockstar these numbers will come through big time in [----] and I expect a lot of growth for the company distribution deal with $PEP seen as the "healthier" alternative to $MNST and the world is moving in that direction. They got hit with a $247M distributor expense that will be FULLY funded by $PEP but they had to recognized it on their income statement. The stock sold off hard and there's a major disconnect between the fundamentals and the price right now. https://twitter.com/i/web/status/2018007369104372030"
X Link 2026-02-01T17:03Z [---] followers, [---] engagements

"Must-read thread for all $FUBO $GOOGL $DIS & $NFLX shareholders 🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural shift not a short-term https://t.co/5MMtKLalvu 🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural"
X Link 2026-02-01T18:33Z [---] followers, [---] engagements

"Alright guys Ive been teasing something behind the scenes the past few days and I can FINALLY share it today: Over the past week Ive been working on a deep dive on $FUBO and it was just published and featured on @YahooFinance This feels incredibly surreal. Ive spent years learning how to analyze businesses writing through my thoughts publicly and refining how I think about markets so seeing my work highlighted on a platform like Yahoo Finance is something Im extremely grateful for. Im proud of the work that went into this report and excited to see what comes next. I'll drop the link below for"
X Link 2026-02-02T17:50Z [---] followers, 15.9K engagements

"@InvestorDenis Im not sure if he did Ill have to look into that Acquiring Alani & Rockstar + Pepsi distribution deal is huge for them. They are the next $MNST and we all know how well that stock performed overtime. I believe its easily $100+ over the next 12-18 months"
X Link 2026-02-03T10:45Z [---] followers, [--] engagements

"Forward-flow agreements are the real story with $PGY These deals require $PGY to hold NONE of the loans on its balance sheet absolutely ZERO duration risk More volume less capital less risk This is how $PGY scales without becoming a lender and why management is focused on signing more of these forward-flow agreements $PGY reports one week from now on Feb [--]. If you're not familiar with the company here's what it's been up to recently and why I think it has growth potential: $PGY is a second-look tool for loan applications. If a bank declines your loan its typically because at least one"
X Link 2026-02-03T11:45Z [---] followers, [----] engagements

"For the enterprise software category only three companies score higher than $PGY on the Rule of [--] metric: [--]. $PLTR (127%) [--]. $PTC (99%) [--]. $FICO (71%) $PGY at 63% is right there with them. The market still treats it like a lender but the numbers look a lot more like enterprise fintech software. $PGY amid excellence $PLTR https://t.co/LUSDBYzctZ $PGY amid excellence $PLTR https://t.co/LUSDBYzctZ"
X Link 2026-02-03T12:00Z [---] followers, [----] engagements

"$FUBO shareholders how are we feeling What are you expecting for numbers Will we get NewCo guidance Let me know your thoughts/expectations below"
X Link 2026-02-03T12:00Z [---] followers, [----] engagements

"This is exactly the point that people miss: $PGY isnt a balance sheet lender taking credit risk its fintech infrastructure sitting acting as the middle man between banks and institutional capital AI underwriting capital-light model 20-40% revenue growth 40% gross margins and operating leverage starting to show in a real way Credit sentiment is rough right now but the business fundamentals are telling a VERY different story ahead of earnings You may have heard a lot about $PGY recently on FinX but what do they do👇💲 Pagaya is a fintech platform that uses data and machine learning to connect"
X Link 2026-02-03T12:20Z [---] followers, [----] engagements

"@Ashton_1nvests $ZETA & $PGY"
X Link 2026-02-04T02:43Z [---] followers, [---] engagements

"🚨Stocks I bought/sold yesterday🚨 Sells: - $ZMMK (Cash) - $PLMR @ $122.1 (+6.62% gain 13% decrease) Buys: - $PGY @ $17.98 (+20% increase) - $ZETA @ $18.11 & $16.94 (+1% & +6% increase respectively) $PGY & $ZETA are high up on my short-list right now alongside $NBIS $HIMS $META & I MAY buy more $AMD if it continues to sell off after those BANGER earnings. I only sold my $PLMR to rotate it into both $ZETA + $PGY I still believe in the $PLMR thesis but I have a higher conviction in these [--] at the moment. That'll be all from me for now I may buy some more today as well 😉"
X Link 2026-02-04T12:00Z [---] followers, [----] engagements

"@fiscal_ai $UBER is a cash flowing machine trading at very low multiples with a 5.2% FCF yield. Bill Ackman is also extremely bullish on this company at these prices long $UBER"
X Link 2026-02-04T14:55Z [---] followers, [---] engagements

"Yes Rhode acquisition contributed $128M to revenue or 36% of total growth and the rest of the business contributed to the remaining 2% of the growth. $ELF expects 2% organic (Ex-Rhode) growth for FY 26' 70% growth for Rhode itself & 22-23% total growth for the entire company for the year. Thanks for making me aware of this from what I've found based on the CC the ST pressures are from temporary softness in the UK & Germany which are both lapping large prior year launches & facing weaker consumer trends. So as of Q3 26' Rhode makes up 33% of total revenues & is expected to grow at a 70%"
X Link 2026-02-05T00:21Z [---] followers, [---] engagements

"Agreed although I did see this coming😏. Rhode did $212M in TTM sales ending Mar [----] with only [--] products and the sales were entirely DTC. With the supply chain + relationships of $ELF and the brand of Hailey Bieber (10's of millions of followers online) Rhode is set to be an INCREDIBLE acquisition from $ELF at a $1 Billion valuation. https://twitter.com/i/web/status/2019217422520070351 https://twitter.com/i/web/status/2019217422520070351"
X Link 2026-02-05T01:12Z [---] followers, [---] engagements

"Spent some time digging deeper into the $ELF numbers & the context matters: Rhode contributed $128M about 36% of FY growth. Ex-Rhode the core business grew by 2% & is guiding to roughly 2% organic growth in FY26 driven by temporary softness in the UK and Germany as they lap large prior-year launches and face a weaker consumer. Rhode is now 33% of revenue and growing at a 70% annualized run rate which supports the 2223% guide for total company growth for the year. The growth mix explains the short-term noise but the long-term picture is intact. Q3 marked our 28th consecutive quarter of net"
X Link 2026-02-05T15:16Z [---] followers, [----] engagements

"Here's the rundown on $PGY's new $800M ABS deal announced yesterday: This was Pagayas 85th securitization and its LARGEST since Nov [----] reinforcing its position as a leading issuer in U.S. personal-loan ABS The deal was AAA-rated involved [--] institutional investors (mostly repeat buyers green flag) and was upsized 33% from an initial $600M target due to strong demand. As with all ABS deals $PGY retains only 25% of the loans for regulatory risk-retention while distributing 95%+ to institutions. This keeps the model capital-light So far in [----] $PGY has secured $2.55B in total institutional"
X Link 2026-02-05T16:44Z [---] followers, [----] engagements

"@bdinvestingg $NBIS $IREN"
X Link 2026-02-06T02:37Z [---] followers, [----] engagements

"Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned"
X Link 2026-02-06T02:46Z [---] followers, [----] engagements

"@EndicottInvests 100%. Conviction is key. $AMD at $187.70 is undervalued $AMZN at $197.75 is undervalued $META at $655 is undervalued There are TOO many deals in the market right now I'm not complaining though"
X Link 2026-02-06T03:23Z [---] followers, [---] engagements

"$PGY announces ANOTHER ABS deal this time worth $387M: These consumer loans were bundled review by KBRA (credit rating agency) & prepared for institutional investors. The deal is split into [--] different tranches allowing different types of institutional investors to buy based on their risk tolerance. As always 95%+ of the loans are distributed to institutions while the remaining 2-5% are held on Pagaya's balance sheet for a few weeks to a couple of months. $PGY recycles the proceeds to fund new loan originations. This is how it scales loan volume maintains liquidity and limits balance sheet"
X Link 2026-02-06T12:00Z [---] followers, [----] engagements

"I agree with $AMD its my highest conviction play at the moment. I hear you John and you might be right Im looking at some other SaaS plays like $INTU $MSFT $ADBE $SHOP as well. However Im quite bullish on those other [--] names and they have been hit hard as well I do understand the risk Im taking with investing in these companies over some of the other ones I listed above. https://twitter.com/i/web/status/2019771751337456061 https://twitter.com/i/web/status/2019771751337456061"
X Link 2026-02-06T13:54Z [---] followers, [---] engagements

"$AMZN trades at just 15.38x AWS ARR after the 9.5% sell-off this morning. This doesn't take into account: - E-commerce - Advertising - Subscription services - Hardware & digital sales - Other revenue streams (Project LEO Zoox Twitch etc) $AMZN is a buy here folks"
X Link 2026-02-06T14:40Z [---] followers, [---] engagements

"Solid move up so far this morning for $PGY. I wouldn't be surprised to see it sell-off later today"
X Link 2026-02-06T15:11Z [---] followers, [----] engagements

"Great question Fabrizio. The balance sheet can look confusing because $PGY isnt a normal SaaS company. They need a lot of cash and debt to temporarily finance loans before selling them to institutional investors. Theyre currently sitting on meaningful cash ($260M) and the debt is largely used as working capital not to fund operating losses. Theyve also pushed maturities out and improved the quality of that debt. The model works as long as credit markets stay open. Its not risk-free but the debt itself isnt automatically a red flag in this business."
X Link 2026-02-06T15:54Z [---] followers, [---] engagements

"Well well well. - $AMD + 7.7% - $ZETA + 3.3% - $PGY + 8.35% - $NBIS + 14.9% Damnit. Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned. Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned"
X Link 2026-02-06T16:29Z [---] followers, [----] engagements

"You already know we'll be tuned into this one Maybe even live Let me know below if you would join me for $PGY's earnings Monday morning Join CEO @galkrubiner CFO Evangelos Perros and President Sanjiv Das Monday at 8:30 am ET for our 4Q25 & full year #earnings call: https://t.co/khz6Jo2YWw $PGY https://t.co/VbxRDODkdI Join CEO @galkrubiner CFO Evangelos Perros and President Sanjiv Das Monday at 8:30 am ET for our 4Q25 & full year #earnings call: https://t.co/khz6Jo2YWw $PGY https://t.co/VbxRDODkdI"
X Link 2026-02-06T20:25Z [---] followers, [----] engagements

"Sort of yes. They're obligated to retain 2-5% of every loan the originate although they don't have to retain ANY risk for their Forward-flow agreements. It is also the most risky tranche that absorbs credit losses first this structure is demanded by institutions for a few reasons: [--]. If $PGY keeps first-loss exposure they are financially motivated to maintain underwriting quality control risk and avoid pushing bad loans just to grow. [--]. Institutions are buying risk-adjusted yield not just raw credit risk so when $PGY eats the first loss it helps align incentives across the entire structure."
X Link 2026-02-07T04:30Z [---] followers, [--] engagements

"This is MASSIVE for $ZETA: When the big [--] ad platforms - $GOOGL $AMZN $META - are doing $530B+ in annual revenue the key issue is no longer demand; its efficiency As ad budgets scale brands care more about ROI measurement and first-party data than raw reach $ZETA doesnt compete with Google or Meta; it helps advertisers decide where their dollars actually work across platforms As marketing shifts toward performance and data $ZETA benefits. That trend is already showing up in the growth Looking forward to Q4 earnings on Feb 25' The Big [--] Ad Platforms now generate $530B in annual revenue."
X Link 2026-02-07T20:36Z [---] followers, [----] engagements

"Ad growth re-accelerating at Google Amazon and Meta shows brands are confident enough to spend again. This environment favours platforms that help advertisers do more with existing customers not just buy more impressions Cough cough * $ZETA * cough cough As spend ramps brands focus on retention personalization and first-party data. Those priorities directly support $ZETA's model Expecting an 18th consecutive quarter of beats and raises LFG @dsteinberg10000 $GOOGL search re-accelerated $AMZN advertising ALSO re-accelerated $META re-accelerated AND guided for 30% growth in Q1 Soo. $ZETA's gonna"
X Link 2026-02-07T20:47Z [---] followers, [---] engagements

"@LongGameEquity The relationship between the [--] isnt exactly direct but its broadly correct. Its a tailwind for sure"
X Link 2026-02-08T01:20Z [---] followers, [--] engagements

"Reminder: $PGY trades at 1.2x sales right now. 36% revenue growth in the past quarter with a 81% 5Y CAGR Steal. Deal"
X Link 2026-02-08T12:00Z [---] followers, [----] engagements

"Lender is definitely not the most appropriate one-word description of their business they don't use their own BS to fund loans they don't retain most of the credit risk and they don't act like a bank. "Platform" "Originator" or even "AI credit platform" are much better and truer alternatives. I'm not going to argue with you over [--] word but calling $PGY a lender is simply incorrect. Cheers Ray https://twitter.com/i/web/status/2020691821572059193 https://twitter.com/i/web/status/2020691821572059193"
X Link 2026-02-09T02:50Z [---] followers, [---] engagements

"Still looking into the numbers. Disappointed with revenue growth & they missed on a few other metrics. However we've hit [--] consecutive GAAP profitable quarters with $81M of NI in 25' vs ($401M) of Net Loss in 24' Interested in hearing what mgmt has to say about the growth and the meh guide they gave. Stay tuned https://twitter.com/i/web/status/2020838642843877487 https://twitter.com/i/web/status/2020838642843877487"
X Link 2026-02-09T12:34Z [---] followers, [---] engagements

"I'll make a post about it in a couple of minutes. I hopped in and I'll be down on my shares for now but I didn't go heavy with this scenario in mind I have some cash stored that I'll likely invest today depending on what mgmt says. Disappointed in revenue but [--] consecutive Q's of NI is good need to dive into the numbers more"
X Link 2026-02-09T12:36Z [---] followers, [---] engagements

"@valuephilosphy @lngtermcapital I completely agree that's essentially what I'm seeing as well. More focused on profitable growth and taking less risk rather than revenue growth at all costs"
X Link 2026-02-09T12:57Z [---] followers, [--] engagements

"$PGY does not control lender policy but it does control which loans it approves & routes which loans it prices attractively which loans it rejects etc. They're never forced to eat bad flow. If flow quality changes they can tighten approvals shift product mix and protect margins. Growth may slow but risk doesn't blow up. https://twitter.com/i/web/status/2020877662168797289 https://twitter.com/i/web/status/2020877662168797289"
X Link 2026-02-09T15:09Z [---] followers, [---] engagements

"@BeleggerBas Not necessarily mgmt is being cautious about the macro uncertainty with their guide. Revenue growth was disappointing but [--] consecutive quarters of GAAP net income wasn't"
X Link 2026-02-09T15:10Z [---] followers, [--] engagements

"You can listen to the entire Q4 [----] earnings call with @wealthmatica @EndicottInvests and I below if you missed us live We're live https://t.co/z8BDfGaEeD We're live https://t.co/z8BDfGaEeD"
X Link 2026-02-09T15:46Z [---] followers, [---] engagements

"Here's why I'm a buyer of $PGY after their Q4 [----] earnings call & a 20% sell-off - Trades at 0.8x sales - Annualized PE of [---] - Forward PE of [--] - Forward PEG of 0.3-0.6 - [--] consecutive quarters of GAAP Net Income Guided for 54% Net Income growth (mid-point) for FY 26'. $PGY lowered its' revenue guidance (which is why the stock took a hit) but they're intentionally de-risking the business & focusing on long-term profitable growth rather than short-term growth at all costs. Expecting 7-8 new partners/lenders onboarded by Q2 ALONE (They onboarded [--] in FY 25') that's a double up in partners"
X Link 2026-02-09T16:46Z [---] followers, [----] engagements

"@GrowthThesis Well said KJ Im buying this dip up heavily"
X Link 2026-02-09T19:21Z [---] followers, [---] engagements

"@lajit6384 @wealthmatica @Leonard55943837 This source notes Feb 24th for Q4 [----] earnings http://marketbeat.com/earnings/reports/2026-2-24-zeta-global-holdings-corp-stock/ http://marketbeat.com/earnings/reports/2026-2-24-zeta-global-holdings-corp-stock/"
X Link 2026-02-09T20:38Z [---] followers, [---] engagements

"@thephiloinvest Are you saying I don't understand things (this is satire)"
X Link 2026-02-09T21:57Z [---] followers, [---] engagements

"@GrowthThesis Agreed Maybe $PLTR $ZETA could potentially be one as well. Both have net retention rates over 100% I own both"
X Link 2026-02-10T15:20Z [---] followers, [---] engagements

"$UPST takes on more risk with more loans on their balance sheet trades at much higher multiples (4x PS & [---] PE) negative FCF rising expenses & more competition. $PGY takes less risk with less loans on their balance sheet trades at much lower valuations (.9 PS [---] PE & [--] Forward PE [---] PEG) Inflecting FCF [--] consecutive quarters of GAAP net income declining expenses & stronger moat with essentially no competition. nobody does exactly what $PGY does. https://twitter.com/i/web/status/2021245661560049927 https://twitter.com/i/web/status/2021245661560049927"
X Link 2026-02-10T15:31Z [---] followers, [---] engagements

"Meh not really $PGY already focuses mainly on second-look consumers. Their AI underwriting capabilities are becoming better and better at figuring out who's risky ad who isn't. With that being said I think it's highly unlikely that this 10% cap goes through. It was supposed to go through on Jan 20th and is currently stalled we'll see. https://twitter.com/i/web/status/2021247070418428165 https://twitter.com/i/web/status/2021247070418428165"
X Link 2026-02-10T15:37Z [---] followers, [---] engagements

"@EndicottInvests $NBIS yes merch. not yet"
X Link 2026-02-10T16:01Z [---] followers, [--] engagements

"@kkkdhoo @GrowthThesis NRR yes but I couldn't find CRR for $ZETA"
X Link 2026-02-10T16:02Z [---] followers, [--] engagements

"@EndicottInvests $PGY.👀 I'll be tuning in"
X Link 2026-02-10T16:21Z [---] followers, [---] engagements

"@EndicottInvests Hahahah. Long morning for me cut me some slack. is there a recording"
X Link 2026-02-10T16:25Z [---] followers, [--] engagements

"$ZETA operating cash flow continues to compound. Over time the stock price will follow This pullback is part of a sector-wide selloff not a breakdown in the business Long $ZETA"
X Link 2026-02-10T18:29Z [---] followers, [----] engagements

"@Investinc_Intel Yessir"
X Link 2026-02-10T18:51Z [---] followers, [--] engagements

"You make some great points here Atticus let me give you my take. You're right on the first part low income customers are struggling financially and loan delinquency rates are moving higher overall. However the opposite is happening with $PGY's credit defaults. On a YoY basis credit-related fair value losses declined by 74.4%. As a % of their investment portfolio it declined by 76% to only 2.3% of their investment portfolio. As a % of total loan issuance it declined by 80.4% to only 1.1% of total loan issuance. So $PGY's losses are improving dramatically and you can see that in the net income."
X Link 2026-02-10T19:52Z [---] followers, [---] engagements

"Shout out @Dubbiosismo for making me aware of this"
X Link 2026-02-10T19:56Z [---] followers, [---] engagements

"@Dubbiosismo @galkrubiner It's. beautiful"
X Link 2026-02-10T19:57Z [---] followers, [--] engagements

"@Investinc_Intel Hahaha rip. I was buying big on $AMD during the first tariff dip with an average cost $115 and I haven't sold any shares. I also don't plan on selling any for a few years"
X Link 2026-02-10T21:02Z [---] followers, [--] engagements

"@Investinc_Intel 110%"
X Link 2026-02-10T21:16Z [---] followers, [--] engagements

"This is the moat: Neutral platform + cross-lender data + investor trust + capital markets access AI is just the tool. See below Shoutout @MakingPetsound for this great comment @trevhesinvests @galkrubiner The PGY Structural Moats The "Switzerland" Moat (Competitor Trust) The Problem: Banking is a zero-sum game. A bank cannot be a platform for its rivals. Reality: JPMorgan will never share proprietary customer data with an AI model owned by Bank of America. Its strategic @trevhesinvests @galkrubiner The PGY Structural Moats The "Switzerland" Moat (Competitor Trust) The Problem: Banking is a"
X Link 2026-02-10T22:02Z [---] followers, [----] engagements

"What happened with $UPST stock after-hours Let me know your thoughts on the quarter below"
X Link 2026-02-10T23:28Z [---] followers, [----] engagements

"@Ashton_1nvests $PGY finally makes the cut🤝"
X Link 2026-02-11T16:11Z [---] followers, [---] engagements

"@wealthmatica LETS GO"
X Link 2026-02-11T16:44Z [---] followers, [---] engagements

"@InvestorDenis What do you mean"
X Link 2026-02-11T16:44Z [---] followers, [--] engagements

"@guin36 I'm confused here what does student loan delinquencies increasing to 14% have to do with SFR"
X Link 2026-02-11T18:50Z [---] followers, [--] engagements

"@LPM1985 Yessir me as well Going to be a rocky road but I have faith in the long-term vision"
X Link 2026-02-11T19:15Z [---] followers, [--] engagements

"@DCLERCQ97 Partner onboarding (# of lenders/institutions and WHO they are) continued GAAP Net Income growth continued double digit revenue growth continuation of managing defaults and credit-related fair value losses etc"
X Link 2026-02-11T19:23Z [---] followers, [---] engagements

"I am new to this name correct. However the underlying business is starting to proven that it is built for continuous growth. That's the risk we're taking with investing into this name right now. If the growth continues & the fundamentals continue to compound the way they have in the LTM then we will look back in 3-5 years from now with a boat load of cash. They are suppressing volume higher-risk credit segments to be specific intentionally because of the "changes in risk appetite that we observed across multiple lending partner of ours in light of market uncertainty". Obviously it's not ideal"
X Link 2026-02-11T23:34Z [---] followers, [--] engagements

"@jarad1821 True. $UPST grew revenues at 64% in FY 25' vs 26% for $PGY. I'm not denying that $UPST isn't growing at a rapid pace I'm advocating for the fact that $PGY shouldn't be valued as low as it is"
X Link 2026-02-11T23:45Z [---] followers, [---] engagements

"@RaviDhaliw You think $UPST is one of America's finest companies😂"
X Link 2026-02-11T23:54Z [---] followers, [---] engagements

"@nEiOjy2SNTezw1O @weary_centurion $PGY's true network volume growth grew by 34% if you take out their SFR segment which grew by 0% because they're intentionally reducing this segment to de-risk their portfolio"
X Link 2026-02-12T00:02Z [---] followers, [---] engagements

"@weary_centurion The biggest reason as to why $UPST trades at such a premium is the faster revenue growth. I don't necessarily believe that $PGY should trade at a higher multiple than $UPST but I do believe that's it's INCREDIBLY undervalued & should trade at similar levels to $UPST"
X Link 2026-02-12T00:14Z [---] followers, [---] engagements

"@HalloranHolding Well said Mikey $ADBE has been a beaten down dog the past 5Y"
X Link 2026-02-12T00:31Z [---] followers, [--] engagements

"@amitisinvesting Pershing Square Capital Management (Ackman's hedge fund) invested 10% of it's capital or $2 Billion into $META. Stock = no reaction"
X Link 2026-02-12T03:02Z [---] followers, [---] engagements

"@QualityInvest5 $ADBE is becoming more and more attractive it's getting quite silly to be honest"
X Link 2026-02-12T03:03Z [---] followers, [---] engagements

"Bill Ackman has taken a 10% stake in $META This is great news for all $META shareholders I have been buying this one since $100 and I added more last week🤝 BILL ACKMAN REVEALS NEW $META POSITION https://t.co/qU9tb6oIex BILL ACKMAN REVEALS NEW $META POSITION https://t.co/qU9tb6oIex"
X Link 2026-02-12T11:45Z [---] followers, [---] engagements

"Meta's operating cash flow per share +29% LTM The stock is 15% below ATH's and trades at 22x earnings The fundamentals are ahead of the sentiment $META"
X Link 2026-02-12T11:55Z [---] followers, [---] engagements

"Microsoft just grew net income 24% and Azure 39% YoY yet the stock trades around [----] valuation levels. The business is meaningfully larger but the multiple isnt I'm interested in this one. $MSFT Microsoft reported Net Income growth of +24% YoY and Azure Cloud growth of +39% YoY. Meanwhile the stock trades at [----] valuations. Interesting. $MSFT https://t.co/KpRbp7hTWa Microsoft reported Net Income growth of +24% YoY and Azure Cloud growth of +39% YoY. Meanwhile the stock trades at [----] valuations. Interesting. $MSFT https://t.co/KpRbp7hTWa"
X Link 2026-02-12T12:00Z [---] followers, [---] engagements

"@TrdeToScale $ZETA all day"
X Link 2026-02-13T12:46Z [---] followers, [--] engagements

"$META Base Case Projections from FY 2025-2029: FY 2025: - Revenue: $198.56B - Net Income: $74.53B (Doesn't include the 1-time tax charge of $15.9B) - Net Income Margin: 37.5% - EPS: $29.57 PE Ratio's between [--] & [--] puts the stock price between $650 & $828 (5.7%-34.6% undervalued) https://twitter.com/i/web/status/2014081132132696476 https://twitter.com/i/web/status/2014081132132696476"
X Link 2026-01-21T21:02Z [---] followers, [---] engagements

"@thephiloinvest @InvestorDenis I actually believe the 10% rate cap would help $PGY I made a post about it here: If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will mean for overall economy. If rates come down by 50-70% banks will earn a lot less $ on credit cards. This would cause https://t.co/Un5ZtPalWq If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will mean for overall economy. If"
X Link 2026-01-27T11:44Z [---] followers, [---] engagements

"@thephiloinvest @stevenfiorillo What are the actual odds of this rate cap going through though I do agree with the fact that the credit demand won't disappear yet shift towards instalment loans POS loans & personal loans. this would be incredibly bullish for $PGY"
X Link 2026-01-27T17:45Z [---] followers, [---] engagements

"U.S. Pay-TV Provider Rankings (Feb [--] 2026) [--]. $CHTR Charter (Spectrum): 12.6M [--]. $CMCSA Comcast (Xfinity): 11.3M [--]. $GOOGL YouTube TV: 10.0M [--]. DirecTV (Satellite & Stream): 8.8M [--]. $FUBO / $DIS Fubo TV & Hulu + Live TV: 6.0M [--]. $DISH DISH Network (Satellite & Sling): 5.1M Before the Hulu + Live TV merger $FUBO ranked #11 Today the combined entity is a top-5 Pay-TV provider and the #2 streaming-only platform behind YouTube TV Scale matters in this industry https://twitter.com/i/web/status/2018034787064172732 https://twitter.com/i/web/status/2018034787064172732"
X Link 2026-02-01T18:52Z [---] followers, [----] engagements

"$FUBO Q1 [----] Earnings - Let's lay it all out. Pros: - 40% YoY Revenue growth to $1.549B; pro forma growth of 6% - Net loss narrowed to -$19.1M vs -$38.6M YoY - Pro-forma adj. EBITDA rose to $41.4M from $22M YoY - Adj. EBITDA margin expanded to 2.5% from 1.4% - Cash position grew to $458.6M & reduced debt to $320M - Ad migration into Disney Ad Server improving monetization potential Cons: - ZERO guidance - NA subs declined to 6.2M from 6.3M YoY RoW subs declined to [------] from [------] YoY - Ad revenue fell 4% YoY to $123.5M pro-forma - No NBC dispute news Mixed: - 8-to-1 to 12-to-1 stock split"
X Link 2026-02-03T17:12Z [---] followers, [----] engagements

"Q3 marked our 28th consecutive quarter of net sales growth. $ELF is [--] of just [--] public consumer companies (out of 546) with [--] straight quarters and 20%+ avg growth 38% YoY Net Sales growth & 79% YoY Adj. EBITDA growth FY 26' outlook was raised as well What. A. Company"
X Link 2026-02-04T22:04Z [---] followers, [----] engagements

"I've been seeing a lot of questions about $PGY's balance sheet specifically the debt it holds. I think that most of the confusion comes from treating all liabilities as the same thing and they aren't. I'll try to simplify it below👇 1) Secured borrowing ($132M) - This is working capital tied to loan inventory. Its collateralized by the loans themselves rises with originations and falls when loans are securitized or sold. It turns over constantly and isnt permanent leverage 2) Exchangeable notes ($148M) - This is structural corporate debt. Its long-dated doesnt fluctuate with loan volume and"
X Link 2026-02-06T19:15Z [---] followers, [----] engagements

"People often ask about the quality of loans at $PGY but the answer depends on which part of the model youre looking at. Heres how to think about it: Borrower quality (near-prime to non-prime) - $PGY originates loans to borrowers that typically fall in the near-prime to non-prime range. These are not AAA borrowers because AAA borrowers wouldn't have been denied the loan in the first place. - They carry more risk than prime consumers but they also pay higher interest rates. This is the segment where data and underwriting quality matter most ABS deals (securitizations) When $PGY packages loans"
X Link 2026-02-06T20:21Z [---] followers, [----] engagements

"AND the momentum continues in the AHs Does someone know something🧐 $PGY"
X Link 2026-02-06T22:00Z [---] followers, [----] engagements

"@ClothoPrime @DivGuru LFG. I love to hear that it seems to me like they've reached an inflection point in their business model + the underwriting capabilities and it's truly starting to come through in the numbers + the amount of lenders they're partnering with. Long $PGY"
X Link 2026-02-07T04:35Z [---] followers, [---] engagements

"I'm reposting this because it's one of the most important $PGY data points heading into earnings Monday. Over the past year credit quality improved dramatically while volume scaled efficiently. Thats a real inflection driven by underwriting discipline and model improvement not just mix or timing. This gets to the core of $PGY's business model: scaling originations while protecting institutional capital. $PGY reports their Q4 [----] earnings on Monday Feb 9th before the market opens. The most important change in $PGY's business right now isnt growth its credit quality: Yes the portfolio grew 14%"
X Link 2026-02-07T12:30Z [---] followers, [----] engagements

"The reason $PGY can scale is its structure not its leverage: The 2-5% first-loss risk $PGY retains is not a negative it's required for institutional capital. That retained slice absorbs losses first by design and forces strong underwriting discipline. Institutions want steady returns with controlled risk not exposure to loan defaults. Rating agencies expect this structure as well: without subordination deals do not get rated. Without ratings institutional capital does not show up. This is not unique to $PGY this is how the ABS market works overall. What matters now is execution. Credit"
X Link 2026-02-07T13:00Z [---] followers, [----] engagements

"Pagaya Operating Margins: Q3 2022: (35.47%) Q3 2023: 0.08% Q3 2024: 8.98% Q3 2025: 23.52% $PGY"
X Link 2026-02-07T21:01Z [---] followers, [----] engagements

"@lngtermcapital @qualtrim Yes sir. Re-rating incoming"
X Link 2026-02-08T01:16Z [---] followers, [--] engagements

"@wealthmatica $PGY stock after this post:"
X Link 2026-02-08T05:07Z [---] followers, [----] engagements

"Reminder: The average NTM price target from the [--] analysts that cover $PGY is $37.25 which is a 100% gain from the current levels. Steal. Deal"
X Link 2026-02-08T13:12Z [---] followers, [----] engagements

"Yes $PGY is absolutely a bargain. What Pagaya is not is an AI Lender. They arent a lender like $UPST they only hold 2-2.5% of the total loan volume they originate. They act as a middle man between lenders + institutions and consumers utilizing their AI ML underwriting infrastructure to help lenders originate more loans to second-hand consumers that were originally denied. Capital-light business model with strong operating leverage [--] consecutive GAAP profitable quarters (about to be 4) & trading with valuations on the floor. Long $PGY https://twitter.com/i/web/status/2020647666653298945"
X Link 2026-02-08T23:55Z [---] followers, [----] engagements

"Revenue $335M vs $348M expected (+20% YoY) EPS $0.80 vs $0.69 expected (vs -$0.04 YoY) Stocks down 17.4% pre-market to $15.4 $PGY"
X Link 2026-02-09T12:20Z [---] followers, [----] engagements

"@InvestorDenis You got that right. Initial thoughts Denis"
X Link 2026-02-09T12:37Z [---] followers, [---] engagements

"My initial thoughts on the quarter: - Revenue miss is disappointing. It was also on the low end of mgmt guide from Q3 ($335M vs $333-$358M) - FY Revenue growth of 26% - [--] consecutive quarters of GAAP profitability is massive. $81M Net Income in 25' vs -$401M Net loss in 24' - Net Income ARR of $136M - GAAP NI came in on the high end of guidance ($34M vs $25-$35M) - $100-$150M of NI for FY 26' guide (23.4%-85.2% growth vs 25') - FRLPC margin of 4.9% +40bp YoY and high end of guide (4.0-5.0%) -Network volume missed by 5.6% ($2.7B vs $2.86B) - Adj. Ebitda miss of $98M vs $99-$109M mgmt guide"
X Link 2026-02-09T12:55Z [---] followers, [----] engagements

"$PGY now trades at 0.87x sales. I'm a buyer"
X Link 2026-02-09T14:46Z [---] followers, [----] engagements

"🚨 BREAKING NEWS 🚨 Jefferies reiterates a Buy rating on Pagaya Tech - $PGY - stock with $35 target following the company's Q4 [----] earnings report"
X Link 2026-02-09T16:27Z [---] followers, [----] engagements

"This selloff is a major overreaction and $PGY is an incredible opportunity here: - JUST hit [--] consecutive GAAP profitable quarters & marks a reversal from prior year losses - 10% net profit margin in Q4 vs 6% in Q3 - 20% YoY revenue growth & 29% YoY revenue growth for FY 25' - Adj. EBITDA of $371M up 76% YoY - EBITDA margin of 29% up [---] bps YoY This stock trades at a cheaper valuation than $PYPL: - [---] PS - [---] annualized PE - [--] Forward PE - [---] Forward PEG They guided for a MID-POINT of 54% bottom line growth & 8-21% top-line growth. So why did the stock tank [--] reasons: - Missed revenue"
X Link 2026-02-10T00:02Z [---] followers, [----] engagements

"@BallerBrand88 @Ashton_1nvests https://x.com/trevhesinvests/status/2015143457493295538 If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will mean for overall economy. If rates come down by 50-70% banks will earn a lot less $ on credit cards. This would cause https://t.co/Un5ZtPalWq https://x.com/trevhesinvests/status/2015143457493295538 If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will"
X Link 2026-02-10T03:31Z [---] followers, [---] engagements

"This $PGY selloff is a major overreaction in my opinion here's why: The company just posted [--] straight GAAP-profitable quarters with net margins expanding to 10% in Q4 from 6% in Q3. Revenue grew 20% YoY in Q4 and 29% for FY [--] while adj. EBITDA hit $371M up 76% YoY with margins expanding [---] bps to 29% Despite that $PGY now trades at 0.9x sales 4.4x annualized P/E 6x forward P/E and a 0.5x forward PEG. cheaper than $PYPL (PAINPAL) while fundamentals are improving dramatically According to the fundamentals Pagaya's business has reached an inflection point and I believe this is only the"
X Link 2026-02-10T11:50Z [---] followers, [----] engagements

"A lot of people misunderstand $PGY Its not competing with banks its embedded inside of them. Heres $PGY CEO Gal Krubiner explaining it:"
X Link 2026-02-10T17:05Z [---] followers, [----] engagements

"The company is delivering on its mission to be the connectivity tissue between the needs of mainstream and the capital of wall street to be able to enable many more consumers" - CEO Gal Krubiner on Q4 earnings $PGY"
X Link 2026-02-10T17:29Z [---] followers, [----] engagements

"Opportunity $SPGI"
X Link 2026-02-10T18:51Z [---] followers, [---] engagements

"This isn't good for $PGY and the entire economy. Looks like the stress is concentrated among younger and lower-income borrowers Stay tuned"
X Link 2026-02-10T19:55Z [---] followers, [----] engagements

"@sven14440 Great point Niclas you're correct. Rising delinquencies increases the need for better underwriting. $PGY is ahead of the game"
X Link 2026-02-10T20:01Z [---] followers, [---] engagements

"If Pagaya can help these lenders be more competitive on that front helping them approve more customers they will come to Pagaya all day long - Pagaya CEO Gal Krubiner $PGY"
X Link 2026-02-10T23:20Z [---] followers, [----] engagements

"We see a variety of different data that is allowing us to be much more accurate on our ability to price the price and provide loans to people that otherwise wouldve been overlooked but actually have very strong financial capabilities $PGY provides VALUE towards its partners while being able to minimize risk Thats why Pagaya expects to onboard 7-8 new partners in H1 [--] a double up from FY [--] and in half the time https://twitter.com/i/web/status/2021369369284980771 https://twitter.com/i/web/status/2021369369284980771"
X Link 2026-02-10T23:43Z [---] followers, [----] engagements

"@wealthmatica FCF clearly hitting an inflection point along with the rest of the fundamental metrics. $PGY just hit [--] consecutive quarters of GAAP profitability and its priced like its going bankrupt asymmetrical opportunity here"
X Link 2026-02-11T16:47Z [---] followers, [---] engagements

"@wealthmatica Incredibly bullish. I initiated a position back in late [----] and have recently added to my position in the past few months its some of the easiest money in the market in my opinion. Especially considering the 30%+ guide & [--] PE Ratio whats not to love"
X Link 2026-02-11T16:48Z [---] followers, [--] engagements

"$PGY is sub $13. I repeat $PGY is SUB $13 Q4 conference call made me much more confident in management's long-term outlook risk management and focus on profitable growth. This company is WIDELY misunderstood right now and it's being priced like it's going bankrupt. Long $PGY https://twitter.com/i/web/status/2021636954912170216 https://twitter.com/i/web/status/2021636954912170216"
X Link 2026-02-11T17:26Z [---] followers, [----] engagements

"Respectfully I disagree. Going private isn't something management just decides to do because the stock price is under pressure. For $PGY to go private someone would have to offer to buy the whole company. They'd have to offer a premium over the current price the board & major shareholders would have to approve it and the buyer would need billions in financing to make it happen. $PGY also already has access to capital markets & continues to close ABS deals & onboarding new partners. Companies typically go private when they can't access capital or when public markets are actively hurting"
X Link 2026-02-11T18:31Z [---] followers, [---] engagements

"For sure at the right price any company can look attractive to a buyer. My biggest concern with that would be that $PGY's business is still credit-cycle & capital-markets dependent which makes a leveraged buyout much more complex. I'm with ya let's hope this doesn't happen. I'm very skeptical that it does and I also strongly believe mgmt team wouldn't want this. https://twitter.com/i/web/status/2021657242932527112 https://twitter.com/i/web/status/2021657242932527112"
X Link 2026-02-11T18:47Z [---] followers, [---] engagements

"True I personally did not see the lower revenue guide coming but it doesn't change my long-term thesis for the amount of value that Pagaya offers for lenders & institutions and the consumer as well. $PGY is sensitive to a downturn but I like management being cautious and cutting higher-risk credit segments from their business during times of uncertainty. This tells me that mgmt is focused on long-term profitable growth & the health of the business rather than as much short-term profit as possible. https://twitter.com/i/web/status/2021692527565582641"
X Link 2026-02-11T21:07Z [---] followers, [---] engagements

"That's true but take this into account as well: $PGY Valuations: - [---] PEG - 0.8x Sales - [----] PE / [--] F PE - 4.6x FCF With double digit top-line growth (20% in Q4 & 26% FY 25') [--] consecutive quarters of GAAP profitability inflecting FCF/OCF & declining expenses. Not only are they valued like they're going bankrupt the fundamentals are currently inflecting and are starting to take-off. It's an asymmetric bet right now. https://twitter.com/i/web/status/2021696876911657148 https://twitter.com/i/web/status/2021696876911657148"
X Link 2026-02-11T21:24Z [---] followers, [---] engagements

"$PGY has [--] analysts that cover the stock: Buys: [--] Holds: [--] Sells: [--] 12M Target Price = $28.60 Return Potential = 122.2% from today's price I'm a buyer"
X Link 2026-02-12T00:38Z [---] followers, [----] engagements

"Grab Holdings under $4 looks like an asymmetric bet Are you buying after earnings $GRAB $GRAB -6% after hours after slight mishaps with earnings Personally sold out of it last month but I still love the name long term its gonna take some catalysts to get this one going again. If youve been to South Asia you know exactly why this is a sleeping giant. https://t.co/UDIrzqSz8P $GRAB -6% after hours after slight mishaps with earnings Personally sold out of it last month but I still love the name long term its gonna take some catalysts to get this one going again. If youve been to South Asia you"
X Link 2026-02-12T12:15Z [---] followers, [----] engagements

"$PGY continues to sell-off down another 5.5% today: Here's where Pagaya sits right now: - Annualized PE = [---] ($12.19/$3.2) - Forward PE = [---] ($12.19/$1.6) - Forward PEG = [-----] (7.6/72) Guides (FY 26'): 8-21% Revenue growth ($1.4B-$1.575B) 7-24% Network Volume growth ($11.25B-$13B) 11-24% Adj. EBITDA growth ($410-$460M) 23-85% Net Income growth ($100M-$150M) As someone who has listened to their most recent conference call twice now I can tell you that the low-end of guidance is pricing in a worst-case scenario: "So something has to really dramatically change really in [----] to go below the"
X Link 2026-02-12T19:44Z [---] followers, [----] engagements

"Rough day today folks. I believe this SaaS sell-off is a MAJOR overreaction and we will look back on this time in 3-5 years from now and be thankful that we bought the dip Buy when others are fearful. Long $IGV https://t.co/SzEVswQ2Ke https://t.co/SzEVswQ2Ke"
X Link 2026-02-12T23:37Z [---] followers, [---] engagements

"Amazon's book value per share has exploded over the last decade That's retained earnings stacking onto the balance sheet Scale + reinvestment + operating leverage $AMZN Amazon's book value per share is outrageous. Each share was worth $5.58 in [----]. Today $133.24 per share. That's a +2200% increase. $AMZN https://t.co/TdhntWpBvt Amazon's book value per share is outrageous. Each share was worth $5.58 in [----]. Today $133.24 per share. That's a +2200% increase. $AMZN https://t.co/TdhntWpBvt"
X Link 2026-02-13T12:55Z [---] followers, [---] engagements

"$NFLX is in an interesting spot right now: 5Y chart: $NFLX looks like a falling knife. 20EMA crossed down over the 50EMA which is also starting to trend down along with the 100EMA. It's going to be interesting to see if it holds the 200EMA or if it drops below. All-time chart: $NFLX is approaching the 50EMA at $73.75. I will wait to see where it moves over the next few weeks. If it drops below the 50EMA it's probably going lower. However to rebuttal my technical analysis $NFLX has always been a good dip-buying stock. $NFLX is down 45% from ATH's. Are you buying $NFLX here"
X Link 2026-02-13T14:09Z [---] followers, [---] engagements

"Most investors say $META to $1800 but few actually show the math. I just uploaded a new YouTube video walking through exactly how I project stock prices using revenue profit margins EPS and P/E multiples. A structured framework using a real company grounded in fundamentals instead of hype Full breakdown here: https://www.youtube.com/watchv=CXMnBZPkNsc https://www.youtube.com/watchv=CXMnBZPkNsc"
X Link 2026-02-13T14:55Z [---] followers, [---] engagements

"He's basically saying that $200B in Capex is NOT enough which is insane to wrap my head around. On [--] side this is obviously great news to hear that they will still be supplied constrained mgmt is confident in the ROI they will get on these investments. On the other side this pretty much guarantees further capex hikes in [----] which is not what Wall Street wants to hear. This could weigh down the stock for years to come in the future. https://twitter.com/i/web/status/2022327311371042853 https://twitter.com/i/web/status/2022327311371042853"
X Link 2026-02-13T15:09Z [---] followers, [----] engagements

"We're green today team $PGY"
X Link 2026-02-13T16:21Z [---] followers, [----] engagements

"$PGY Fact of the day: FY [----] mid-point guidance implies 55% bottom-line growth The current market is pricing in skepticism execution will decide where this one goes over the long-term"
X Link 2026-02-14T20:43Z [---] followers, [----] engagements

"Analysts' targets imply meaningful upside for all [--] of these companies Im heavily positioned in $PGY and $ZETA and believe both are still very early in their margin expansion cycles I'm watching $UBER closely. I don't have a position yet but the valuation is getting extremely compelling Analysts average price targets: 1/ $PGY: $3089 (148% upside) 2/ $ZETA: $2940 (90% upside) 3/ $UBER: $107 (53% upside) These are three software stocks in my portfolio. All massively undervalued. The entire software industry is undervalued on the nonsensical premise that AI https://t.co/54hHIcXLYe Analysts"
X Link 2026-02-14T20:47Z [---] followers, [----] engagements

"Sector-wide multiple compression business deterioration $ZETA fundamentals continue to compound: revenue & FCF growth margin expansion and nearing GAAP profitability The current selloff reflects risk-off sentiment not a broken model. Execution will matter more than headlines from here on out $ZETA earnings will come out on Feb 24th after market close Every public company that has a partnership with OpenAI is rewarded by the market. Except for $ZETA. https://t.co/iCpKMLZmAc Every public company that has a partnership with OpenAI is rewarded by the market. Except for $ZETA."
X Link 2026-02-14T20:57Z [---] followers, [---] engagements

"Infrastructure platforms rarely look impressive in the short term. They build distribution first then scale follows $PGY is positioning itself as a connective layer between borrowers lenders and institutional capital. That role becomes more valuable as volume increases across the ecosystem As long as mgmt continues to execute which I believe they will the business model will benefit from strong operating leverage and expanding partnerships (we're already seeing both of these play out in real-time). This quote below makes me extremely bullish on the long-term thesis around $PGY and the"
X Link 2026-02-14T21:03Z [---] followers, [----] engagements

"@growthrapidly $PGY"
X Link 2026-02-14T21:12Z [---] 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 Something doesn't add up here. https://twitter.com/i/web/status/2021636150071345187 https://twitter.com/i/web/status/2021636150071345187"
X Link 2026-02-11T17:23Z [---] followers, 17.9K engagements

"@qualtrim This is a very common theme amongst the software sector right now. There are some great opportunities in this market right now including $ZETA & $PGY. Focus on the long-term"
X Link 2026-02-13T13:02Z [---] followers, [----] engagements

"In October [----] $PGY acquired Theorem Technology Inc a Silicon Valley-based institutional asset manager specializing exclusively in consumer credit. Theorem managed assets for global institutional investors and built analytic infrastructure for loan-level credit data Theorem gave $PGY access to: - Institutional client relationships - Asset-management capabilities - Richer credit data strengthening it's ML underwriting models $PGY purchased Theorem for $17.5M - $10M in cash & the additional $7.5M in Class A shares In short: the acquisition of Theorem bridged the AI underwriting side of $PGY"
X Link 2026-02-13T13:13Z [---] followers, [----] engagements

"This is where the fundamental flip truly took shape for Pagaya: When $PGY closed Theorem in Oct [----] it wasn't just another small acquisition. This move bridged Pagaya's AI underwriting engine with institutional capital and deeper credit data visibility By Q1 [----] the impact started to come through in the numbers: - Network volumes hit record highs - Gross margins expanded quarter after quarter - $PGY turned profitable on a GAAP basis and has continued to do so for [--] consecutive quarters now Let's be clear; Theorem didn't cause the turnaround it amplified it Pagaya had already spent 2024"
X Link 2026-02-13T13:44Z [---] followers, [----] engagements

"BREAKING: US CPI comes in at 2.4% vs 2.5% expected Core CPI comes in at 2.5% vs 2.5% expected Lower inflation = higher potential for rate cuts Rate cuts = more credit flow + better loan performance + cheaper funding = higher network volume & profitability for $PGY"
X Link 2026-02-13T13:51Z [---] followers, [----] engagements

"@DiviDollars @InvestorDenis $PGY is AI"
X Link 2026-02-14T15:46Z [---] followers, [--] engagements

"If AWS is sold out through [----] demand is clearly not the issue. only about 20% of workloads are in the cloud which means migration is still incredibly early This is a capacity build-out story not a peak-demand story and Amazon is scaling into long-term demand. $AMZN Amazon AWS CEO: AWS is expected to be to sold out of all [----] capacity due to unprecedented AI Cloud demand. Only 20% of operations are on the Cloud. $AMZN https://t.co/lYMAwfDKeH Amazon AWS CEO: AWS is expected to be to sold out of all [----] capacity due to unprecedented AI Cloud demand. Only 20% of operations are on the Cloud."
X Link 2026-02-14T21:15Z [---] followers, [---] engagements

"@_C0NFLUENCE I would agree although if we have a quick turnaround in sentiment or get a couple of quick bullish catalysts we will see $PGY double QUICKLY"
X Link 2026-02-15T15:38Z [---] followers, [--] engagements

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