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@riyadosofian Avatar @riyadosofian Riyado Sofian

Riyado Sofian posts on X about $rely, $zeta, over the, fintech the most. They currently have XXXXX followers and XXX posts still getting attention that total XXX engagements in the last XX hours.

Engagements: XXX #

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Mentions: XX #

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Followers: XXXXX #

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CreatorRank: XXXXXXXXX #

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Social Influence #

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

Social topic influence $rely #6, $zeta #39, over the 1.92%, fintech #362, alltime 1.1%, market cap 0.82%, $33b 0.82%, $mq 0.82%, $relys #1, let me XXXX%

Top accounts mentioned or mentioned by @gabgrowth @gubloinvestor @wealthmatica @longoption @ezekielmx @samsolid57 @ranranyhz @seekingalpha @amitisinvesting @revnoproduction @grok @charleywang3000 @jeromesison17 @jng2022 @curioustraderie @thebeingintime @meeijer @sudokhanh @layla_harper_ @zeff_pena

Top assets mentioned Remitly Global, Inc. Common Stock (RELY) ZetaChain (ZETA) Marqeta, Inc. Class A Common Stock (MQ) Hims & Hers Health, Inc. (HIMS) Western Union Co (WU) Dave Inc. Class A Common Stock (DAVE) 4 (FOUR) DLocal Limited Class A Common Shares (DLO) Goldman Sachs (GS) Novo-Nordisk (NVO) PayPal Holdings Inc (PYPL) Wise (WISE) RAI Finance (SOFI)

Top Social Posts #

Top posts by engagements in the last XX hours

"7) Shareholder Alignment $RELY CEO Co-Founder Matt Oppenheimer owns XXX% of the company. In aggregate insiders own XXX% of the company. While this figure isn't that high I believe the CEO has plenty of skin in the game. If you look at the table below you can see that the CEO is being paid only $290K+ per year while his associates earn multi-million dollar salaries. The reason for this "undercompensation" is that the CEO has chosen to forgo his stock awards in the last four years (2025 included). There are three things I can interpret from this: - The CEO cares about shareholder dilution. -"
X Link @riyadosofian 2025-10-06T12:53Z 7893 followers, XXX engagements

"$ZETA Roth MKM reiterated Buy rating with a $XX PT XXX% Upside🤯"
X Link @riyadosofian 2025-10-09T01:44Z 7895 followers, 12.7K engagements

"Here are X high-growth undervalued small-cap fintech companies. If you had to pick one which would you choose $FOUR Market Cap: $5.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 6.3x $DLO Market Cap: $4.1B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 12.0x $RELY Market Cap: $3.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 11.7x $DAVE Market Cap: $2.8B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 13.8x $PGY Market Cap: $2.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 7.7x"
X Link @riyadosofian 2025-10-07T11:30Z 7897 followers, 23.7K engagements

"This stock is down XX% from its all-time high and yet institutional ownership is the highest it has ever been. Any guesses on the company"
X Link @riyadosofian 2025-09-29T12:41Z 7894 followers, 83.5K engagements

"$RELY this is your weekend read. Let me know what you think 👇"
X Link @riyadosofian 2025-10-04T01:43Z 7893 followers, 4361 engagements

"$MQ sold off XXX% on Friday. The reason for this was that Founder Jason Gardner sold 2.25M shares worth around $15M. Although it was executed under a pre-arranged trading plan it is still the largest insider sale since IPO by far. Just something to keep in mind"
X Link @riyadosofian 2025-08-11T12:09Z 7894 followers, 1639 engagements

"5) Strong Operating Leverage Not only is $RELY growing rapidly but it is also driving strong operating leverage. Over the past three years: - Gross Margin improved 650bps to 65.1%. - Operating Margin improved 2360bps to 3.6%. - Net Margin improved 1870bps to 1.6%. - Adjusted EBITDA Margin improved 2440bps to 15.5%. Adding Adjusted EBITDA Margin and Revenue growth $RELY has a Rule of XX score placing the company in the rare breed of high growth and strong profitability a testament to the durability of its business model and competitive moats. Considering its strong fundamentals $RELY is in a"
X Link @riyadosofian 2025-10-06T12:53Z 7893 followers, XXX engagements

"$RELY Goldman Sachs maintains Buy rating with $XX PT"
X Link @riyadosofian 2025-10-13T13:33Z 7897 followers, 1997 engagements

"$ZETA Are you ready for a massive rerating Here are analyst Revenue estimates: - 2025: $1.26B (+25%) As a reminder the high end of management's guidance is $1.27B (+26%) and they ALWAYS beat guidance (16 straight quarters) so $ZETA will easily beat estimates here. - 2026: $1.49B (+17.7%) Management expects a XX% Organic CAGR through 2028 so analysts' 2026 estimates are already below guidance. "Organic" means guidance does NOT include the $190M of Revenue contribution from its recent Marigold Enterprise acquisition. If we apply XX% Organic growth in 2026 plus $190M Marigold Revenue we get 2026"
X Link @riyadosofian 2025-10-09T14:48Z 7897 followers, 10.1K engagements

"8) Priced for Disaster Today $RELY trades at just 11.7x Forward EV/EBITDA and 18.3x Forward P/E. These multiples are the lowest they have ever been despite the company being in its best fundamental shape in the history of the company. Down XX% from its all-time highs and down XX% from its 52-week highs $RELY is priced for disaster. Let me remind you $RELY is growing Send Volume at XX% is already GAAP profitable and is producing robust FCF at a XXXX% Margin. It is also expected to grow Revenue and EBITDA at a CAGR of XXXX% and XXXX% respectively over the next two years. It's incredibly rare to"
X Link @riyadosofian 2025-10-06T12:53Z 7896 followers, XXX engagements

"$RELY is an underfollowed underappreciated and undervalued hypergrowth fintech company. 🧵 Here are X reasons why I've added it to my portfolio 👇🏻"
X Link @riyadosofian 2025-10-06T12:53Z 7897 followers, 4425 engagements

"The market is not ready for $ZETA's new superintelligent conversational marketing agent (Athena). CEO David Steinberg on Athena during Investor Day: "This is the future of our company. I will tell you that this to me is the single biggest thing we've ever done. I got the full demonstration about a month ago. I literally got chills at how good it was. I will tell you that when I saw this product and not to belittle Zeta I thought this would be a Meta product. This would be a Google product. We're the ones who crack the code.""
X Link @riyadosofian 2025-10-09T11:21Z 7897 followers, 39.3K engagements

"That's a wrap If you would like to read my full investment thesis on $RELY do check out my deep dive article here: These posts take a lot of time and energy to write so I would appreciate a like share and subscribe. Thank you for your support"
X Link @riyadosofian 2025-10-06T12:53Z 7894 followers, 1463 engagements

"🚨 $MQ CFO and Interim CEO Mike Milotich to become CEO of the company effective immediately. He will continue to serve as the CFO until a successor is identified"
X Link @riyadosofian 2025-09-08T12:10Z 7894 followers, 1858 engagements

"$HIMS This is worse news than the $NVO deal termination the end of the semaglutide shortage or the Spruce Point short report. Yet the stock is up 1.5%😅"
X Link @riyadosofian 2025-10-03T15:22Z 7893 followers, 17.6K engagements

"@Oliverino2 Agree :) I also wrote a deep dive on $RELY recently if you wanna check it out. There's barely any coverage out there"
X Link @riyadosofian 2025-10-08T04:28Z 7897 followers, XXX engagements

"@Khrix69 $RELYs rapid growth over the last few years already demonstrates its competitive moat. I think both will do great. I think both will dominate. Its not a winner takes all market"
X Link @riyadosofian 2025-10-06T15:58Z 7894 followers, XXX engagements

"I'll be releasing a deep dive on this mystery stock today. Stay tuned :)"
X Link @riyadosofian 2025-10-03T06:33Z 7893 followers, 31.6K engagements

"$ZETA PTs after Investor Day Needham $XX RBC Capital $XX Truist $XX Roth MKM $44"
X Link @riyadosofian 2025-10-09T12:01Z 7897 followers, 10.6K engagements

"🚨 My new $ZETA article just went live In this article I cover: - XX of the most important slides from the Investor Day presentation - Implications of the Marigold acquisition - My updated valuation model and price target Check it out here👇🏻"
X Link @riyadosofian 2025-10-13T14:36Z 7897 followers, 12.2K engagements

"$ZETA Investor Day 2025 review and valuation model update going live soon :)"
X Link @riyadosofian 2025-10-13T13:34Z 7895 followers, 3830 engagements

"T-minus X days till $ZETA Investor Day. Management will be discussing $ZETA's "product roadmap and R&D pipeline.""
X Link @riyadosofian 2025-10-06T09:08Z 7895 followers, 8599 engagements

"$RELY is the NEWEST addition to my portfolio: $3.3B Market Cap XX% growth 1.6x Forward EV/Sales. In this deep dive article I explain why it is one of the most attractive fintech stocks today. Please like share and subscribe Thank you and enjoy"
X Link @riyadosofian 2025-10-03T12:00Z 7895 followers, 15.1K engagements

"Risks - Competition: Price competition from legacy banks traditional remittance providers (like $WU) and digitally-native fintech players (like $SOFI $PYPL and $WISE) could lead to lower margins and take rates. - Anti-Immigration Policies: $RELY's Active Customer growth has slowed down materially over the last few quarters. This may be due to mass deportations and stricter immigration policies. - Crypto: Uncertainty remains as to how blockchain technology and digital currencies fit in and impact the remittance industry"
X Link @riyadosofian 2025-10-06T12:53Z 7898 followers, 1327 engagements

"3) Only X% Market Share $RELY is still very early in its growth journey. For one the personal cross-border payment market is worth $2.0T. As of Q2 RELY had captured approximately X% of this market. To expand its market share $RELY has launched several exciting initiatives including: - Remitly Business expands TAM to $22T. - Remitly One membership program for cross-border payments. - Stablecoins support digital currency adoption. - Agentic AI automating and personalizing payments. Through these initiatives and through delighting more customers $RELY will take even more market share by the day"
X Link @riyadosofian 2025-10-06T12:53Z 7895 followers, XXX engagements

"Currently reviewing the $ZETA Investor Day transcript and deck. Will summarize the key points in an article. Join my Substack. Link in bio"
X Link @riyadosofian 2025-10-09T01:17Z 7895 followers, 3791 engagements

"4) Low Bar for Outperformance Heres what management guided for the rest of the year. - Q3 Revenue: $413M up XX% YoY. - Q3 Adjusted EBITDA: $55M at a XXXX% Margin. - 2025 Revenue: $1.62B up XX% YoY. - 2025 Adjusted EBITDA: $230M at a XXXX% Margin. Given its recent product launches current growth momentum and management's conservatism I believe $RELY will obliterate its guidance. To elaborate in the last four quarters $RELY has beaten the high-end of its Revenue guidance by an average of X percentage points In other words I believe management is sandbagging their guidance they have set a very"
X Link @riyadosofian 2025-10-06T12:53Z 7895 followers, XXX engagements

"The company is $RELY Check out my deep dive. Link in bio :)"
X Link @riyadosofian 2025-10-03T14:42Z 7893 followers, 5728 engagements

"6) Superb Free Cash Flow Conversion With rapid growth and improved profitability $RELY has also been incredibly efficient in converting profits into cash. As of Q2 $RELY has a TTM Free Cash Flow of $346M which equates to a FCF Conversion Rate of XXX% against its TTM Adjusted EBITDA of $215M. In addition TTM FCF Margin was XXXX% up 2470bps YoY Although well see minimal margin improvement from here I expect FCF on an absolute basis to grow from this point forward driven by sustained topline growth. This should drive FCF Per Share higher which should lift the stock along with it"
X Link @riyadosofian 2025-10-06T12:53Z 7893 followers, XXX engagements

"2) Eating Market Share $RELY is growing like wildfire. Over the last three years its topline metrics have basically tripled: - Active Customers went from 3.0M to 8.5M (37% CAGR). - Send Volume went from $6.1B to $18.5B (41% CAGR). - Revenue went from $136M to $412M (41% CAGR). According to the World Bank global remittance flows grew by only X% in 2024. Given $RELY's superior growth rate the fintech firm is undoubtedly capturing tons of market share. Bears argue that mass deportations travel bans and other anti-immigration policies would put a strain on $RELY's growth since most of its"
X Link @riyadosofian 2025-10-06T12:53Z 7895 followers, XXX engagements

"I wish Jonathan nothing but the best. He truly built something special for the $HIMS investing community. We all should be grateful for the work that hes done. I sure am 🤝 Hopefully I can still listen to the @himshouse podcast during my runs at least until $HIMS reaches $1000 :)"
X Link @riyadosofian 2025-10-03T15:14Z 7894 followers, 12.1K engagements

"$MQ Mizuho maintains a Buy rating with an $XXXX PT"
X Link @riyadosofian 2025-08-13T11:39Z 7894 followers, 1682 engagements

"1) Disrupting Traditional Remittance In a nutshell $RELY is a digital remittance company. It offers cross-border financial services via its user-friendly mobile app. $RELY offers superior value compared to traditional remittance providers like legacy banks and $WU: - it's cheaper - it's transparent - it's simpler - it's faster - it's completely digital - it's more flexible Over the last XX years $RELY has built a vertically-integrated cross-border payment infrastructure that supports money movement across: - 5200+ corridors - 170+ countries - 100+ currencies - 470K+ cash pick up locations -"
X Link @riyadosofian 2025-10-06T12:53Z 7897 followers, XXX engagements