@weary_centurion Weary Centurion

Weary Centurion posts on X about $pypl, $odd, business, ceo the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

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Social Influence

Social category influence stocks 63.74% finance 35.16% technology brands 28.57% cryptocurrencies 2.75% countries 2.2% exchanges 1.65% automotive brands 1.1% financial services 0.55%

Social topic influence $pypl #135, $odd #9, business 8.79%, ceo 7.69%, $hims #243, company #3181, $pgy #11, $oscr 4.95%, money 4.95%, investment 4.4%

Top accounts mentioned or mentioned by @george_dubs_ @davidthund27020 @retiredlifenc @acce @gillesvera27953 @bjmtweets @6days1week @repsandsats @juanrodrig07 @_j__f @spike1567 @themomentumplay @hatedmoats @investingvisual @flexinvest7 @paulcerro @constantinbell @boxing_alba @smaugizbored @oddityoddballs

Top assets mentioned PayPal Holdings Inc (PYPL) ODDITY Tech Ltd (ODD) Hims & Hers Health, Inc. (HIMS) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Oscar Health, Inc. (OSCR) Tempus AI, Inc. (TEM) UiPath, Inc. (PATH) Iris Energy Limited (IREN) Upstart Holdings, Inc. (UPST) Strategy (MSTR) Novo-Nordisk (NVO) Coinbase Global Inc. (COIN) Nebius Group N.V. Class A Ordinary Shares (NBIS) DLocal Limited (DLO) Ondas Holdings Inc. Common Stock (ONDS) Bitcoin (BTC) Alphabet Inc Class A (GOOGL) Duolingo, Inc. (DUOL) Morgan Stanley (MS) Mario Coin (COIN)

Top Social Posts

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

"$PGY DEEP DIVE 🧵 The technology company revolutionising the U.S. financial credit sector Delivering more financial opportunity to more people more often"
X Link 2026-02-13T21:07Z 10K followers, [----] engagements

"$NBIS Nobody knew Nebius at $20-40 Everybody will be talking about Nebius at $100 I see Nebius as a potential 10-100 bagger over the next [--] years maybe even more It has the potential to be a trillion dollar company one day if they keep growing and executing aggressively"
X Link 2025-05-09T08:01Z 10K followers, 23.3K engagements

"$LMND Deep dive 🧵 I recently decided to invest in Lemonade Here is what I have learned about the business and why I think this could be a potential multi bagger over the next 3-5 years"
X Link 2025-05-31T21:27Z 10K followers, 206.4K engagements

"$DLO Deep Dive 🧵 Investment thesis explained"
X Link 2025-06-15T11:55Z 10K followers, 76.2K engagements

"$OSCR CEO Mark Bertolini deep dive 🧵 I think its a good time to look at who leads Oscar Health and why he gives the company a massive edge which is being ignored by the market"
X Link 2025-07-15T16:07Z 10K followers, 188.5K engagements

"$OSCR Yiannis is one of the best analysts I am aware of (deserves way more followers) He rarely misses He can see right through these price targets Laughable Dont buy the $OSCR downgrade narrative. Raised FY25 rev to $12.1B in Q1. No walk-back even after $CNC collapsed. Now analysts slash PTs to $8 citing the same macro noise Oscar already priced in Thats not fundamental analysis. Its reflexive pessimism. Wall Streets https://t.co/DLhTkpt1ht Dont buy the $OSCR downgrade narrative. Raised FY25 rev to $12.1B in Q1. No walk-back even after $CNC collapsed. Now analysts slash PTs to $8 citing the"
X Link 2025-07-23T13:54Z 10K followers, 44.9K engagements

"$UNH For $215 billion market cap you get: 🟢 $445.5-448 billion revenue 🟢 At least adjusted $16 EPS 🟢 At least $14.65 Net Earnings PS 🟢 TTM FCF $25 billion 🟢 20M share buyback authorised 🟢 Share count of around [---] million 🟢 Dividend yield of 3.6% 🟢 Sector leader 🟢 Diversified business model 🟢 CEO has a strong track record 🟢 Defensive stock 🟢 Recession proof 🟢 Growth re-acceleration from 2026-27"
X Link 2025-08-01T19:08Z 10K followers, 179.9K engagements

"$PYPL Just finished listening to @acce at the Goldman Sachs conference Here is a summary of what he said; Buy Now Pay Later Increased use amongst young people More inclined to use it than credit cards Big future growth driver Branded Checkout Growing faster now than [--] months ago Experience vastly improved Feedback from customers is great Debit card is being rolled out globally Omni channel will drive growth Venmo Now monetised and taking off Usage is growing fast More money is flooding in Being utilised as an everyday debit card Big 10&12 student/parent usage strong Campus usage is growing"
X Link 2025-09-11T14:01Z 10K followers, 26.3K engagements

"$PYPL MEGA THREAD PART [--] 🧵 Included; - Financials - Valuation - Catalysts - Case for investment"
X Link 2025-10-02T14:06Z 10K followers, 25.5K engagements

"$PYPL The new value proposition 🧵 The PayPal app has been ramped up overnight in the U.K. This is massive:"
X Link 2025-11-10T08:22Z 10K followers, 43.8K engagements

"$ODD Oddity Tech Deep Dive🧵 https://twitter.com/i/web/status/1988223728224780490 https://twitter.com/i/web/status/1988223728224780490"
X Link 2025-11-11T12:34Z 10K followers, 21K engagements

"$PYPL $PATH $ODD 🚨LONG POST🚨 All of my stocks are undervalued and buying back shares They are also either unknown or hated This is also how it felt holding $SOFI at $7 and $NBIS in the low $20s The difference this time around is I have sufficient conviction in all three holdings to hold long term $SOFI and $NBIS both ran 100%+ in less than a year after I had entered That contributed to my decision to sell (rightly or wrongly) but the main reason was my conviction in their futures wasnt sufficient enough to hold the stocks once they had reached fair value (perceived) I can honestly say that"
X Link 2025-11-29T13:42Z [----] followers, [----] engagements

"$ODD For $2.4B MC you get (LTM): 🟢$781M revenue (+26% YoY) 🟢$166M Adj EBITDA margin (+21%) 🟢$105M FCF 🟢$793M cash 🟢No debt Two well established business lines Telehealth brand just launched Consistent beat and raise culture Founder led and controlled Recession proof industry Defensible and competitive MOAT Cheap valuation 20% rev and adj EBITDA margin CAGR I cant really make it any clearer than this Most people will ignore this post This stock is so under the radar it is quite amusing to me how these opportunities get missed by so many people chasing things that have already run We live"
X Link 2025-12-09T09:13Z [----] followers, [----] engagements

"5. FINANCIALS As of Q3 FY [----] UiPath is performing well moving into next year. 🟢 ARR: $1.782B (11% YoY growth) 🟢 Revenue: $411M (16%YoY growth) 🟢 [-----] customers 🟢 [----] customers over $100K ARR 🟢 $1.5B cash 🟢 No debt 🟢 Market cap currently around $10B 🟢 Gross margins mid 80s (solid) 🟢 First profitable quarter 🟢 Guiding for first profitable year In short UiPath has a fortress balance sheet with zero debt. The business is growing healthily and is expected to accelerate next year a a result of Maestro. They are now profitable and are expecting to remain so. There is nothing not to"
X Link 2025-12-10T13:58Z 10K followers, [---] engagements

"$PYPL Eventually this chart and EPS growth will be all that matters regardless of how the business is performing Providing they can maintain and grow FCF PayPal could become a multi bagger eventually as a result of its shrinking share count Dont believe me Check out $AZO"
X Link 2025-12-24T08:00Z 10K followers, [----] engagements

"$PATH Some recent examples of the power of UiPaths approach to automation: Landmark Group: Saved over [---] million hours across operations Johnson Controls: Reclaimed [------] hours with 250+ automations Air France KLM: Saved 200000+ hours while reducing food waste Arnotts Biscuits: Saving [--] hours per week in operations. GVLO: Saved [----] work hours since [----] plus 230K in costs Purdue University: Saved thousands of staff hours by simplifying processes to [--] clicks GreenPoint: Saved thousands of hours on document validation freeing teams for client focus HD Materials: Saving thousands of hours"
X Link 2025-12-24T18:04Z 10K followers, [----] engagements

"$JD I have rotated my $ODD position into $JD as a contrarian play with China exposure @TheLongInvest has been banging the drum on $JD for a while now and I give him credit for bringing this to my attention I started watching it a few months ago I see it as a major player for [----] potential The chart looks very compelling even with my limited TA knowledge The best thing about it Most people have been driven out of it through boredom/frustration A few months back everyone was talking about $JD in the mid 30s and buying short term expiration calls Now nobody is talking about it Once all the"
X Link 2025-12-29T13:30Z 10K followers, 36.8K engagements

"$JD is currently priced at 0.25x price to sales and is back at [----] prices 30%+ of its market cap is net cash 60%+ of its market cap is total cash Debt to equity yield is a healthy 25% Dividend is very sustainable with only a 33% payout ratio (plenty of flexibility for compounding) It has an [--] year support line at $20 which to me indicates the ultimate downside which is around -30% from here The ultimate upside could be as much as 5x if there is a re-rating and signs of improvement with profitability A decent amount of this upside could be realised faster than people think due to the"
X Link 2025-12-30T11:26Z 10K followers, 19.7K engagements

"$PYPL THOUGHTS FOR [----] PayPal have got work to do Shareholders are pissed and rightly so Next year they need to prove to the market that they are not a bloated complacent incumbent primed for disruption If I was them I would: - Aggressively cut headcount - Accelerate buybacks - Change SBC incentives - Reduce SBC further - Execute insider buys Radio silence has not helped recently But Q4 is where we find out what the purpose for this silence is For me it indicates one of two things: [--]. Things are bad and they dont want to talk about it [--]. They are pissed and furiously working to make [----] a"
X Link 2025-12-31T16:02Z [----] followers, [----] engagements

"$JD I will be writing a deep dive That is all"
X Link 2026-01-02T10:56Z [----] followers, 14.1K engagements

"$JD DEEP DIVE 🧵 The Chinese Amazon priced for failure"
X Link 2026-01-03T20:10Z [----] followers, 105.5K engagements

"5. JD TECHNOLOGY JD Technology provides technology services to private and public sector clients Utilising advanced technologies such as: Artificial intelligence (in-house LLM) Big data Cloud computing IoT JD Technology delivers products and solutions tailored to various industries helping businesses reduce supply chain costs and improve operational efficiency The company has served: 1000+ financial institutions 2.5M+ SMB enterprises 2500+ large enterprises 500M+ individual users https://twitter.com/i/web/status/2007545051669217503 https://twitter.com/i/web/status/2007545051669217503"
X Link 2026-01-03T20:10Z [----] followers, [----] engagements

"6. JD HEALTH JD Health is the companies healthcare subsidiary operating as Chinas largest online healthcare platform Its ecosystem provides: Online medical consultations 40000+ affiliated professionals Retail pharmacy sales Management for chronic conditions Wellness products Supplements The platform integrates JDs logistics for rapid delivery from dedicated warehouses serving over 200M registered users as of mid [----] https://twitter.com/i/web/status/2007545061047984154 https://twitter.com/i/web/status/2007545061047984154"
X Link 2026-01-03T20:10Z [----] followers, [----] engagements

"$ODD With the launch of METHODIQ Oddity Techs new Telehealth platform The U.S. just got an instant solution to a chronic shortage of dermatologists This is a $HIMS competitor in the making METHODIQ is projected to grow fast due to the synergies within its customer base"
X Link 2026-01-08T15:14Z 10K followers, [----] engagements

"$ONDS Can we have a reality check here A lot of people could lose a lot of money on this one Price to sales: 35x (2x is sector average) Revenue: $35M Market cap: $5.12B One customer generates 90% of their revenue Shareholders have been diluted 340% so far Be. Careful"
X Link 2026-01-14T11:52Z 10K followers, [----] engagements

"$PYPL I feel balance needs to be restored a bit Sentiment is terrible and I understand why But PayPal is disgustingly cheap Thats a fact not an opinion Literally nothing is priced in here other than abject failure I have been just as frustrated with the rest of you But I think its a bit soon to be writing them off Q4 is just over [--] weeks away They should be putting out record high FCF and there should be substantially less shares outstanding With only 935M outstanding as of Q3 we could be pushing below 900M shares by Q4 if they have been smart about it Even if they just deployed the standard"
X Link 2026-01-15T16:45Z [----] followers, [----] engagements

"$ODD could be a major threat to $HIMS in the future $ODD Il Makiage foundation is the world's most reviewed foundation. https://t.co/VHE3u4udIC $ODD Il Makiage foundation is the world's most reviewed foundation. https://t.co/VHE3u4udIC"
X Link 2026-01-20T19:38Z 10K followers, [----] engagements

"@OddityOddballs Really strong research thanks for sharing The talent pool seems extremely high value at $ODD"
X Link 2026-01-21T10:51Z 10K followers, [---] engagements

"$PYPL Green on a day like today is hilarious 🤣"
X Link 2026-01-21T17:50Z 10K followers, [----] engagements

"$ODD The future of dermatology globally This is a behemoth in the making https://youtu.be/PM_M9-QUDP4si=LziTfXlbkvaYMQzu https://youtu.be/PM_M9-QUDP4si=LziTfXlbkvaYMQzu"
X Link 2026-01-22T08:52Z 10K followers, [----] engagements

"$ODD The CEO of METHODIQ has been in post for over [---] years This brand has been worked on for 4+ years before launch I believe uptake will be fast Oddity is a tech conglomerate in the making Eventually is will be valued as one Not financial advice"
X Link 2026-01-22T09:36Z 10K followers, [----] engagements

"@forefathers92 $ODD will be soon"
X Link 2026-01-22T11:51Z 10K followers, [---] engagements

"I got back in when it dropped back to $35 Couldnt resist Appreciate the understanding though Iv been too active with my holdings over the last [--] months I anticipated weakness in $ODD when it was low $40s due to the low liquidity and it seems I was right on this occasion It was instant regret when I sold it tbh https://twitter.com/i/web/status/2014403788619100604 https://twitter.com/i/web/status/2014403788619100604"
X Link 2026-01-22T18:24Z 10K followers, [--] engagements

"@TheValueTrade $ODD"
X Link 2026-01-24T09:11Z 10K followers, [---] engagements

"@Spike_1567 @NewcomerInvest Throw some tickers over if you want il take a look"
X Link 2026-01-24T16:01Z [----] followers, [--] engagements

"$PYPL You have made my Substack metrics look like a parabolic meme stock 🤣 Thanks guys appreciate the support If anyone missed this article it is a good summary of the risk vs reward I have quoted the link it below (its free) $PYPL https://t.co/KlpFDeYNhk Happy Saturday night people Attached is a link to my article on PayPal I have been working on all day Completely free Enjoy https://t.co/70vdbqb4zU $PYPL https://t.co/KlpFDeYNhk Happy Saturday night people Attached is a link to my article on PayPal I have been working on all day Completely free Enjoy https://t.co/70vdbqb4zU"
X Link 2026-01-25T18:51Z [----] followers, 19K engagements

"$PYPL SUM OF THE PARTS VALUATION [--]. VENMO Venmo will clear $2B revenue in [----] If I was @acce I would be considering a spin off here Because I suspect Venmo is worth at least $15B with conservative assumptions Its net income could be as high as $1B due to its blended margin of around 50-60% Put a 15x PE ratio on that and you have $15B This is dirt cheap for a company growing 20%+ year over year That would mean the value of Venmo alone is around $20-25 per share of $PYPL [--]. BRAINTREE Braintree processes almost half of total company volume and generates around 30-40% of total revenue Yes its"
X Link 2026-01-26T17:19Z [----] followers, 13.2K engagements

"$ODD First article about Oddity Tech on Substack Enjoy (its free) https://open.substack.com/pub/wc01/p/odd-is-a-future-perennial-compounderr=3smybt&utm_medium=ios&utm_source=post-publish https://open.substack.com/pub/wc01/p/odd-is-a-future-perennial-compounderr=3smybt&utm_medium=ios&utm_source=post-publish"
X Link 2026-01-29T11:11Z 10K followers, [----] engagements

"$PYPL $ODD Numbers on a screen guys Remember you own shares of a real business I share this with you for transparency and your own learning It is not financial advice I do not recommend this strategy It is not for the faint of heart"
X Link 2026-01-29T19:16Z 10K followers, [----] engagements

"@Spike_1567 I think you underestimate $ODD I wouldnt be this heavy in them if I thought there were better opportunities elsewhere"
X Link 2026-01-29T23:14Z 10K followers, [---] engagements

"I posted that weeks ago and it was mainly because I didnt like the chart and $ODD got even cheaper I took 10%+ profit at $15.50 so Im fairly happy tbh with how that worked out. My instincts were correct on this occasion But it was mainly because I have higher conviction and more understanding of $ODD and it dipped below $35 https://twitter.com/i/web/status/2017013989931098563 https://twitter.com/i/web/status/2017013989931098563"
X Link 2026-01-29T23:16Z 10K followers, [---] engagements

"@Spike_1567 Based on what evidence They are software companies $ODD operates in a different sector"
X Link 2026-01-30T07:23Z 10K followers, [--] engagements

"I was initially but then $ODD and $PYPL got a lot cheaper and I understand the businesses a lot moregot to prioritise circle of competence $PATH I think is in a great position for the next 2-3 years but the sector is moving so fast I struggle to project beyond that and that was another factor in my decision making https://twitter.com/i/web/status/2017137256713126389 https://twitter.com/i/web/status/2017137256713126389"
X Link 2026-01-30T07:26Z 10K followers, [---] engagements

"$PYPL This bodes well for the timeline of PayPals bank application Less than [--] months is insane I would like to think with the size and importance of PayPal we well as being a domestic large scale US company We could be looking at a similar timeline $NU Nubank just received conditional approval to establish a US National bank. What's even more astonishing is that they applied for this LESS than [--] months ago. That is astonishingly fast. The next phase is the bank organization phase which requires additional approvals and $NU Nubank just received conditional approval to establish a US National"
X Link 2026-01-30T08:34Z [----] followers, [----] engagements

"$PYPL I agree Actions that should be considered: Buybacks acceleration Insider buying Increase buybacks authorisation Freeze dividend for more buybacks Breakout full Venmo metrics Timeline for Ads Investor day Clear communication OVAS breakdown $PYPL is the one that has NOT moved for us It has been consolidating still since [----] Showed great signs of breaking out in late [----] with a test of the upper consolidation level at $93 but rejected hard I still hold a position here and I DON'T sell under the [---] WMA if the https://t.co/RKIhEJ22Mt $PYPL is the one that has NOT moved for us It has been"
X Link 2026-01-30T13:00Z [----] followers, [----] engagements

"$PYPL The easiest thing they can do to help themselves now is to reduce their headcount With the growing efficiency of AI there is no excuse to still have bloat in the workforce These cost savings will go straight to the bottom line Recent Layoff Announcements: [--]. US Government: [------] employees [--]. UPS: [-----] employees [--]. Amazon: [-----] employees [--]. Intel: [-----] employees [--]. Nissan: [-----] employees [--]. Nestle: [-----] employees [--]. Microsoft: [-----] employees [--]. Bosch: [-----] employees [--]. Dell: [-----] Recent Layoff Announcements: [--]. US Government: [------] employees [--]. UPS: [-----] employees [--]. Amazon:"
X Link 2026-01-30T14:37Z [----] followers, [----] engagements

"$PYPL You will see my objectivity when they report next week Regardless of price action I will call out what I see good and bad @acce I hope you have prepared well for this one Probably the most important quarterly report in company history"
X Link 2026-01-30T16:01Z [----] followers, [----] engagements

"Anyone else grateful for the lack of YTD gains posts Or is it just me If only people were as enthusiastic about sharing their losses Remember that most of social media only shows you the good stuff Fin-X is no different And yes Im down -10% so far"
X Link 2026-01-31T12:20Z [----] followers, [----] engagements

"Thanks for the explanation Mitchell Crypto is not my speciality at all but I think I understand what you are saying So $MSTR is essentially a leveraged $BTC ETF I struggle to get my head around the valuation when its revenue and profits are so poor but I suppose their value is all in the assets they own and how they manage that https://twitter.com/i/web/status/2017702034162782666 https://twitter.com/i/web/status/2017702034162782666"
X Link 2026-01-31T20:50Z [----] followers, [---] engagements

"I have looked into this stock Whilst the risk of insolvency is unlikely I still stand by my warning put out when the stock was trading at $420 I still would not buy it outside of a mean reversion trade Answer me thiswhat if $MSTR stops trading at a premium to $BTC $MSTR Honestly I really dont get the hype on this trash company It is basically a gamble on Bitcoin at the expense of shareholders It wont end well for many people Meanwhile its fundamentals are deteriorating and they are diluting Just invest directly in Bitcoin instead https://t.co/sXN81jfkjy $MSTR Honestly I really dont get the"
X Link 2026-02-02T08:25Z [----] followers, [----] engagements

"@Floatymcfloater @Uzwzp63636 Exactly Il be really pissed off if its not below 910M I want to see at least some additional above the standard $1.5B and if not there needs to be a damn good explanation"
X Link 2026-02-02T10:41Z [----] followers, [--] engagements

"$ODD Is a SaaS business that sticks to the rule of [--] whilst remaining profitable SaaS businesses stuck to the Rule of [--] by trading growth for profitability. https://t.co/dGwVt4QcbM SaaS businesses stuck to the Rule of [--] by trading growth for profitability. https://t.co/dGwVt4QcbM"
X Link 2026-02-02T11:01Z 10K followers, [----] engagements

"Future compounding is happening at $ODD Something interesting is happening at $ODD https://t.co/UQUmv9x0uM Something interesting is happening at $ODD https://t.co/UQUmv9x0uM"
X Link 2026-02-02T16:49Z 10K followers, [----] engagements

"$PYPL Good luck to all PainPal shareholders for tomorrow I will be listening to the call so il get my thoughts out as soon as I am able to"
X Link 2026-02-02T23:18Z [----] followers, 16.8K engagements

"$ODD So little interest in this stock We will see how much longer that lasts Q4 earnings in 3-4 weeks https://open.substack.com/pub/wc01/p/odd-is-a-future-perennial-compounderr=3smybt&utm_medium=ios&shareImageVariant=overlay https://open.substack.com/pub/wc01/p/odd-is-a-future-perennial-compounderr=3smybt&utm_medium=ios&shareImageVariant=overlay"
X Link 2026-02-02T23:21Z 10K followers, [----] engagements

"$PYPL New CEO announced Stock is tanking"
X Link 2026-02-03T12:05Z [----] followers, 18.8K engagements

"$PYPL Sorry guys I said I would be objective and I am This explains the silence from management Weve been lied to Terrible results No extra buybacks Chriss has been removed Not what I invested in at all Im not prepared to wait through negative growth I have sold $PYPL PayPal CEO @acce is out. Branded 1% growth. Guidance - terrible. Revenue - Terrible. FCF - Not great. Yeah I'm looking for an exit. Adios PainPal. $PYPL PayPal CEO @acce is out. Branded 1% growth. Guidance - terrible. Revenue - Terrible. FCF - Not great. Yeah I'm looking for an exit. Adios PainPal"
X Link 2026-02-03T12:21Z [----] followers, 49.5K engagements

"$PYPL Before the accusations start rolling in I have been honest about PayPal at all times I was wrong but I could not have predicted this Nobody could This is a major rug pull event I was open about my thought processes at all times There are other stocks I am interested in that are now cheap I will be redeploying my funds there I follow the facts None of my decisions are emotional The stock may bounce from here but Im not interested in waiting longer for a company guiding for negative growth Not financial advice https://twitter.com/i/web/status/2018668379788165401"
X Link 2026-02-03T12:50Z [----] followers, 13.4K engagements

"$PYPL Brad mirrors my thoughts here more or less exact There are other companies I am interested in and thats another reason I have exited the stock My thesis was incorrect I own that fully I will learn from the experience and use it to improve A low multiple and a massive buyback for $PYPL are only compelling if the core business is not in permanent decline. Not when that business shows no signs of stabilization. Not when they roll out their new checkout to customers painfully slowly with Apple Google Shopify A low multiple and a massive buyback for $PYPL are only compelling if the core"
X Link 2026-02-03T13:26Z [----] followers, [----] engagements

"$PYPL Heres why Iv sold: No headcount reduction FCF weak No additional buybacks Earnings miss Guidance miss Negative growth No updates Ads etc Long term guidance pulled Macro excuses I said I would do this less than [--] hours ago This is not emotion $PYPL Ok real talk now PayPal has caught me off guard multiple times over the last [--] months The things I want to see as a minimum tomorrow: Strong results Reduced headcount (or at least intent) Strong FCF No excuses in relation to macro OVAS transparency https://t.co/1FrlkX4UAx $PYPL Ok real talk now PayPal has caught me off guard multiple times"
X Link 2026-02-03T13:43Z [----] followers, 18.9K engagements

"$PYPL EARNINGS CALL THOUGHTS I said I would give you objectivity so here it is: 🔴 The CFO actually said: Execution has been too slow in response to an analyst question about why management is changing now 🔴 The results were poor 🔴 2027+ guidance pulled 🔴 No major headcount reduction 🔴 New CEO has been on the board for 5+ years so it part of the problem 🔴 No timeline for when branded checkout will inflect 🔴 No other value added services updates 🔴 Did not answer analyst questions at all 🔴 More macro excuses 🔴 Less FCF 🔴 No plan 🔴 No turnaround timeline Literally could not have been"
X Link 2026-02-03T14:30Z [----] followers, 16K engagements

"PORTFOLIO CHANGES $PYPL sold -20% loss including FX impact (avg cost of $58.03 sold at $46.57) $PATH re-entered at $11.97 (previously sold at $15.50 for +10%) $TEM new position started at $57.84 I am watching: $HIMS $OSCR $DLO $ADBE $DUOL For lower prices NFA"
X Link 2026-02-03T15:26Z 10K followers, [----] engagements

"$PYPL Lost [--] followers because I was wrong Gained [--] because I told the truth Always choose the truth"
X Link 2026-02-03T16:25Z [----] followers, [----] engagements

"@QualityInvest5 I got attacked for calling out $FISV too (including by you) But you didnt see me dunking on shareholders when the stock dropped 45% in a day"
X Link 2026-02-03T19:31Z [----] followers, [---] engagements

"$PYPL Its easy to crap on people on days like today You wont catch me ridiculing anyone for losing money Its not a good look and it has a nasty habit of coming back to bite you Laughing at others misfortunes is about as low as it gets There are unseen consequences in this life Treat people how you want to be treated And yes I am not perfect and Iv fallen short of being respectful on here before But I learn from my mistakes and reflect on my behaviour If you arent doing that you will never improve And you are destined for a life of misery and bitterness Remember that bad things can and will"
X Link 2026-02-03T19:42Z 10K followers, [----] engagements

"$PYPL WHERE I WENT WRONG Ok I have had time to think and time to recover slightly from this mental slap across the face My assessment of the business fundamentals I stand by up until Q3 but heres where I messed up: During Q3 earnings and at the subsequent fireside chats the management commentary (and silence following it) was a major red flag which I should have taken more notice of My gut told me to sell and wait after the Dec 3rd fireside and I did indeed do that I then got fixated on valuation and gave management the benefit of the doubt That was my key mistake I spotted the red flags and"
X Link 2026-02-03T22:48Z 10K followers, 12.7K engagements

"@bert13136166 I wanted more $ODD and to start a position in $TEM"
X Link 2026-02-03T23:12Z 10K followers, [---] engagements

"@dan_zafrir I wanted more $ODD that was a factor too Thanks Dan 🤝"
X Link 2026-02-03T23:13Z 10K followers, [---] engagements

"$PYPL Well worth a read Explains the culture issues I alluded to last night very well You can feel his frustration here Quite simply an amazing opportunity squandered due to incompetence A few thoughts about PayPal nearly [--] years after I left. I woke up this morning to dozens of messages from former PayPal colleagues. It pushed me to finally speak up. I never spoke publicly about the company after I left. Part of that was loyalty to John Donahoe who gave me A few thoughts about PayPal nearly [--] years after I left. I woke up this morning to dozens of messages from former PayPal colleagues. It"
X Link 2026-02-04T08:25Z [----] followers, [----] engagements

"$TEM Tempus AI will be the next company I write a deep dive on From what I have seen so far They have the potential to revolutionise healthcare in the future One of the strongest potential MOATs I have ever seen"
X Link 2026-02-04T14:04Z 10K followers, [----] engagements

"@Mufasa_Capital Oh wow I didnt notice that The stupidity of the market is eye watering if thats the case"
X Link 2026-02-04T14:10Z 10K followers, [---] engagements

"$ODD It seems the sell off in Oddity Tech may be correlated with $HIMS METHODIQ the new telehealth arm of the business has literally only just launched and is not included in guidance It is currently only a small fraction of the business Conspiracies are dangerous for investors but if this is really the reason behind the $ODD price action I want to go all in. $hims https://t.co/YFHsfYNkPw Conspiracies are dangerous for investors but if this is really the reason behind the $ODD price action I want to go all in. $hims https://t.co/YFHsfYNkPw"
X Link 2026-02-04T14:26Z 10K followers, [----] engagements

"@dirtygreenpaper The earnings were awful Triple miss long term guidance miss Now guided for negative growth How is that not bad at all"
X Link 2026-02-04T16:10Z [----] followers, [----] engagements

"Im sorry but why are we throwing stones in glass houses Are you wrong because $ONDS & $IREN are crashing -17% in a day Or that $HIMS has crashed to sub $25 Are the $DUOL investors wrong because of a few months of negative price action If $PYPL new CEO comes in and cuts costs a the stock goes $100 are investors still wrong If $ETH rallies and $BMNR goes up 300% this year at some point were investors still wrong Can we pull away from throwing shade at each other based on stock picks The market will humble everyone at some point including you @moninvestor It might not be now or maybe not this"
X Link 2026-02-04T17:51Z [----] followers, 13.8K engagements

"$TEM If ever there was a company to get behind based on morality it would be this one Sadly morality alone is not enough But thankfully the fundamentals are solid too Literally on a mission to save lives and fix the broken healthcare system Not financial advice Once a year we gather all of our salespeople in one room.Spread amongst numerous specialty teams these 400+ individuals go to work each day with one common goal: bring precision medicine into real-world care. That work is complex. The stakes are high. Having a world class Once a year we gather all of our salespeople in one room.Spread"
X Link 2026-02-04T19:32Z 10K followers, [----] engagements

"@Eyal__Weiss Great to know your eyes are on $TEM too Eyal Do you have a position"
X Link 2026-02-04T20:57Z [----] followers, [---] engagements

"@dolores_capital @Eyal__Weiss Go on Im listening"
X Link 2026-02-04T22:49Z [----] followers, [--] engagements

"$TEM A future where people live longer and healthier lives; a future where words like cancer and diabetes feel like ancient Latin terms. I believe we are closer to this future than most people realize and we will do everything in our power to expedite its arrival"
X Link 2026-02-05T09:44Z 10K followers, [----] engagements

"$PYPL PORTFOLIO UPDATE & THOUGHTS I wont be returning to PayPal But I can see why people see at as attractive now with a PE of 7x I am not saying it cant generate returns from here It may indeed do that But it could take a long time I see people entering now and I wish you well For me there are better opportunities because the market has pulled back substantially $ODD & $TEM are where my money is now Both are founder led and controlled with 20%+ common share ownership Both are cheap $ODD is currently one of the cheapest stocks on the market when you look at its financials and growth profile"
X Link 2026-02-05T11:31Z 10K followers, 23.6K engagements

"Are you ok Why did you delete your comment calling me a grifter Say what you really think I am aware of what high beta is The majority of my portfolio is $ODD which has already lost 60% of its value over the last [--] months despite zero change in fundamentals phenomenal growth no debt and now well under $2B market cap despite $800M+ in revenue on 20%+ ADJ EBITDA margins I am looking at the company not its stock profile I am well aware it can go lower. But its currently got $715M in cash and is printing FCF Im sorry if my style offends you in some way But thats your problem not mine I can look"
X Link 2026-02-05T12:09Z 10K followers, [---] engagements

"I can see why you would say that but I was already in $ODD I dont discriminate on stocks I choose the best businesses preferably at low valuations I thought PayPal was a solid business I no longer think it is and thats why I sold Nothing to do with the stock being low beta or high beta or small or large cap Its be business I assess $ODD risk profile is low at its current valuation despite it being high beta It might drop further but there is a valuation floor It will revert to fundamentals https://twitter.com/i/web/status/2019386874742063591 https://twitter.com/i/web/status/2019386874742063591"
X Link 2026-02-05T12:25Z 10K followers, [---] engagements

"@leevalueroach Thanks Lee Describing $TEM as some AI crap is likely to age very badly And you clearly know nothing about $ODD I sold $PYPL because management lied to shareholders Good day to you I hope you arent losing too much money Your bitterness suggests you may be hurting"
X Link 2026-02-05T15:52Z 10K followers, [----] engagements

"@Kross_Roads @KrisPatel99 I hope it works out for them but as we well know Roy cheap can always get cheaper especially if revenue turns negative and branded starts contracting into negative growth (which could easily happen)"
X Link 2026-02-05T17:18Z [----] followers, [---] engagements

"$ODD People have mocked me today for owning $ODD 7% stake now declared by Fidelity In the last [--] months the following have been declared: Baille Gifford & Co. - 12.4% Morgan Stanley - 6.6% L Catterton 6.2% Founder owns 22% Institutions own 72% VC firms own 6% Float is locked Easy to manipulate and short but the writing is on the wall One additional reason why I sold $PYPL was because I wanted to increase my position in $ODD once it dipped below $35 Its now the majority of my portfolio Retail is not remotely interested in this and its reflected in the ownership That is a bonus for me I have"
X Link 2026-02-05T19:14Z 10K followers, [----] engagements

"$IREN I tried to warn people about IREN a while ago and again was attacked Valuation matters"
X Link 2026-02-05T21:22Z 10K followers, [----] engagements

"$IREN Sorry to see this play out how I feared 😔 I have tried to warn people a few times about $IREN and was largely ignored / ridiculed A 15x in [--] months is not sustainable or normal I see a lot of retail piling in convinced this is a buy the dip opportunity Maybe it is but it can always go lower Be careful I have tried to warn people a few times about $IREN and was largely ignored / ridiculed A 15x in [--] months is not sustainable or normal I see a lot of retail piling in convinced this is a buy the dip opportunity Maybe it is but it can always go lower Be careful"
X Link 2026-02-05T21:25Z [----] followers, [----] engagements

"$IREN I am getting pushback on this so I I just want to clarify: At no point have I said $IREN is a bad long term investment All I have done is pointed out it was overvalued at $70+ and still overvalued in the $50s And that a 1500% run is not sustainable Thats it guys Generally though stocks that are fair value dont tank -50% in a week 🤷🏻♂ All I am trying to do is stop others making this mistake in the future No disrespect intended to IREN shareholders https://twitter.com/i/web/status/2019544356647063913 https://twitter.com/i/web/status/2019544356647063913"
X Link 2026-02-05T22:51Z [----] followers, [----] engagements

"$HIMS In one day: $NVO announced legal action Head of FDA fires a warning shot POTUS launches DTC drug site Brutal"
X Link 2026-02-06T00:22Z [----] followers, [----] engagements

"$HIMS I put out warnings only when I see material risk of heavy losses This was [--] hours ago I am not sharing to gloat Quite the opposite Im trying to create a learning environment I cant tell you what to do with your money nor would I But I can call out red flags 🚩 $HIMS I agree with this take Risk of litigation just went up tenfold Regardless of price action this could be a sign of desperation $NVO are being backed into a corner now This will be a death blow if they do nothing The risks are high here Be careful $HIMS I agree with this take Risk of litigation just went up tenfold Regardless"
X Link 2026-02-06T00:37Z [----] followers, [----] engagements

"$HIMS Im guessing there is some news but I cant see anything Anyone"
X Link 2026-02-06T22:19Z [----] followers, [----] engagements

"1) On February [--] [----] the FDA announced it is taking "decisive steps" to crack down on companies mass-marketing unapproved compounded GLP-1 drugs. FDA Commissioner Marty Makary specifically targeted "copycat drugs" following Hims & Hers' launch of a compounded Wegovy pill. Whilst you are technically correct that no formal investigation has been announced it is pretty obvious where this is going. It was clearly targeted at $HIMS. An investigation is highly likely to follow. To dismiss this is unwise and naive. 2) Mike Stuart General Counsel for the U.S. Health Department publicly stated on"
X Link 2026-02-07T14:49Z [----] followers, [---] engagements

"@pondersly Its a case of weighing the risks and making your decision based on those risks"
X Link 2026-02-07T14:50Z [----] followers, [--] engagements

"$HIMS U-TURN BEST CASE SCENARIO An agreement has been reached and this all goes away WORST CASE SCENARIO This is a knee jerk reaction and could be used as an admission of guilt by hostile parties What were management thinking here Going forward I hope they learn from this Since launching the compounded semaglutide pill on our platform weve had constructive conversations with stakeholders across the industry. As a result we have decided to stop offering access to this treatment. We remain committed to the millions of Americans who depend on us Since launching the compounded semaglutide pill on"
X Link 2026-02-07T19:57Z [----] followers, 12K engagements

"Completely different dynamics and business life cycle $ODD is just getting started. It has not once stalled in its growth trajectory. It is growing rapidly and eating market share. Their cash and assets make up around $15-18 per share. From a business perspective this is lower risk than $PYPL even at its current valuation Not financial advice obviously and I could be wrong (I was wrong on $PYPL) but I do not see this as being anything like PainPal https://twitter.com/i/web/status/2020409385550282790 https://twitter.com/i/web/status/2020409385550282790"
X Link 2026-02-08T08:08Z 10K followers, [--] engagements

"@JuanRodrig07 Another criminal waste of a golden opportunity Biggest disappointment ever I genuinely think Alex Chriss has been forced out because he tried to change the culture and failed to do so No coincidence he went quiet for months since hes been told to shut up no doubt"
X Link 2026-02-08T08:29Z [----] followers, [----] engagements

"$ODD The stock is priced like a dumpster fire Meanwhile SpoiledChild traffic growth is exploding +100% month over month METHODIQ only started in November but early signs suggest it is growing faster than SpoiledChild did upon launch Looking forward to Q4 earnings $ODD's SpoiledChild taking over as growth engine with +100% M/M traffic growth https://t.co/j022ozVPrG $ODD's SpoiledChild taking over as growth engine with +100% M/M traffic growth https://t.co/j022ozVPrG"
X Link 2026-02-08T08:57Z 10K followers, [----] engagements

"$PYPL If the first thing the incoming CEO does is not cutting the bloated headcount then that is a further red flag that nothing is changing culture wise PayPal should have been doing this ages ago 24K+ employees Block has half the staff and is cutting 10% No excuse $XYZ Block cutting up to 10% of staff in efficiency push Up to 10% of Blocks workforce is at risk of being cut according to people familiar with the matter who were granted anonymity to discuss sensitive information. The company had fewer than [-----] employees as of https://t.co/RIblPrtrFK $XYZ Block cutting up to 10% of staff in"
X Link 2026-02-08T09:04Z 10K followers, 16K engagements

"$ODD I cant make it anymore clearer than this Revenue growth and earrings have been compounding at 20%+ since IPO The stock is now lower than IPO levels and close to all time lows Meanwhile the fundamentals have 📈 Nobody cares yet but they will Not financial advice"
X Link 2026-02-08T09:16Z 10K followers, [----] engagements

"@LastRonin1979 I wouldnt rule it out myself I think they will be dumping for a while though personally The analysts sounded pissed on the earnings call"
X Link 2026-02-08T10:55Z [----] followers, [--] engagements

"@chris_no_one_ Money is not worth anywhere near as much as legacy and reputation"
X Link 2026-02-08T11:51Z [----] followers, [---] engagements

"@DavidThund27020 What alternative explanations do you have"
X Link 2026-02-08T13:37Z [----] followers, [--] engagements

"$HIMS REALITY CHECK Im going to be brutally honest here because I think some of you need to hear this If you think the events of the last [--] days are not red flags or at the very least concerning You are gaslighting yourself Its not yet clear why management chose to go down the path that they did I have seen arguments for clever marketing or a publicity stunt I have seen many people completely dismiss the last week as bullish I see a lot of cognitive dissonance When as an investor a company can do no wrong you are putting yourself in danger This has nothing to do with the stock price or the"
X Link 2026-02-09T10:32Z [----] followers, 20.6K engagements

"It may seem melodramatic But have you looked into the incoming CEO Alex Chriss has been pushed out for a reason I suspect its because his ideas were too big and the BOD did not want to completely transform company culture I dont think its a good choice at all Maybe Im wrong Time will tell https://twitter.com/i/web/status/2020850106128290230 https://twitter.com/i/web/status/2020850106128290230"
X Link 2026-02-09T13:19Z [----] followers, [--] engagements

"@themomentumplay Nope $PYPL wasnt a trade it was an investment Investors dont need stop losses"
X Link 2026-02-09T13:56Z [----] followers, [---] engagements

"@George_Dubs_ @Kross_Roads @JuanRodrig07 Because the execution of the company is not just down to the CEO George The incoming CEO has been the chairman of the board for [--] years I guarantee he is part of that lack of execution too But Chriss has been scapegoated so he gets the blame I dont buy it. Not one bit"
X Link 2026-02-09T15:04Z [----] followers, [--] engagements

"The market is bipolar at the moment Matt I believe $PYPL would not have tanked as aggressively as it did had we not been in this environment There seems to be zero tolerance for any kind of missed or perceived underperformance $UPWK is now looking attractive price wise for me so il start taking a look at it Thanks for the write up 👌🏻 https://twitter.com/i/web/status/2021132977766306020 https://twitter.com/i/web/status/2021132977766306020"
X Link 2026-02-10T08:03Z 10K followers, [----] engagements

"$OSCR I started a position earlier at $12.57 once I saw the [----] guidance I have been watching Oscar from the sidelines since I exited around a year ago I have been hoping for an opportunity for a re-entry Looking forward to listening to the call The guidance is insane NFA"
X Link 2026-02-10T12:26Z [----] followers, [----] engagements

"$OSCR EARNINGS CALL INITIAL THOUGHTS Just finished listening to the earnings call Still some uncertainty around the insurance market due to policy Membership is expected to reduce from 3.4M to 3M by Q1 due to passive members leaving when premiums increase I said almost a year ago when I sold that [----] would be rough after they lost profitability guidance (for which I got loads of abuse at the time) But what is now clear to me is that the company spent [----] preparing for [----] It was a rough year but they spent it strengthening the business and preparing for what is ahead I have been monitoring"
X Link 2026-02-10T14:27Z [----] followers, [---] engagements

"@Couch_Investor I re-entered today after almost a year away It did make me laugh when I saw some of the initial reactions on here Hyperbole at its finest"
X Link 2026-02-10T14:28Z [----] followers, [---] engagements

"$OSCR Not sure what to make of this yet its just dropped Oscar along with [--] other insurers have been subpoenaed over ACA for documents as part of a widening investigation of potential fraud surrounding the use of premium subsidies https://ca.news.yahoo.com/republican-led-us-house-panel-104820898.html https://ca.news.yahoo.com/republican-led-us-house-panel-104820898.html"
X Link 2026-02-10T14:56Z [----] followers, 11K engagements

"$OSCR Yeah this could be bad Worst case scenarios: Financial: multiple billion dollar fines Operational: forced audits causing immediate loss of customer base Strategic: Decertification from the ACA marketplace (deathblow) Best case is minor admin costs NFA $OSCR https://t.co/Ibpgv8bUxt Not sure what to make of this yet its just dropped Oscar along with [--] other insurers have been subpoenaed over ACA for documents as part of a widening investigation of potential fraud surrounding the use of premium subsidies $OSCR https://t.co/Ibpgv8bUxt Not sure what to make of this yet its just dropped Oscar"
X Link 2026-02-10T15:20Z [----] followers, 18.8K engagements

"$ODD New 13G filing Baillie Gifford just upped their stake to 16% Up from 10% just a few weeks ago"
X Link 2026-02-10T16:29Z 10K followers, [----] engagements

"$OSCR Full transparency I am out again for now in light of this update on the subpoena The possible outcomes here range from minor to catastrophic I thought the legal woes were almost over but this could be the start of another problem It could also derail [----] guidance if even some of the moderate outcomes play out Diabolical they announced this on the same day as earnings This could be why momentum died in the stock Phenomenal company currently a horrific sector and what appears to be hostile operating environment I will be monitoring closely Good luck to all shareholders I hope for the"
X Link 2026-02-10T16:50Z 10K followers, 11.3K engagements

"@gfvf1021 You may well be right For now though I want more info"
X Link 2026-02-10T17:26Z [----] followers, [---] engagements

"@GillesVera27953 It could indeed be nothing But there is no way of knowing that This admin is gunning for insurance and they hate anything to do with ACA so its a risk This has nothing to do with my faith in management its purely risk vs reward for me"
X Link 2026-02-10T17:37Z [----] followers, [---] engagements

"@GillesVera27953 Very suspicious indeed I appreciate your understanding it was a small position and I have simply reverted back to wait and see Likelihood is they will be ok but I just didnt want to take anymore unnecessary risks after $PYPL lol"
X Link 2026-02-10T18:20Z [----] followers, [--] engagements

"$PGY I have been watching Pagaya for a while now but it was never cheap enough for me to consider a position That changed today It is now trading at a PE of 4x and a sub [--] P/S Its now cheaper than $PYPL 😂 It is also not what people think it is Not financial advice"
X Link 2026-02-11T15:21Z [----] followers, [----] engagements

"As long as the business remains high quality Im not bothered about how they sell it to the market If they keep executing the rest will take care of itself I think they will take action if the stock price stays this low for any length of time They have the flexibility to do buybacks now"
X Link 2026-02-11T19:28Z 10K followers, [---] engagements

"@bjmtweets Why do you think they have much better product technology Brian Genuinely curious Does $UPST balance sheet risk not concern you"
X Link 2026-02-11T22:54Z [----] followers, [---] engagements

"@bjmtweets I do it direct through my bank online it only takes a few minutes I dont even think they are a great comparison tbh because $PGY is not really a loan company But I do think the difference in valuation is laughable"
X Link 2026-02-11T23:01Z 10K followers, [---] engagements

"$PYPL @HatedMoats inspired me to write a post here about being married to stocks Objectivity is the differentiator between success and failure in investing If you become married to a stock then you are playing with fire I spent more time on $PYPL then any other stock by a wide margin Hundreds of hours of research Multiple reports and articles written Countless hours spent thinking about the investment even when not researching And yet when I saw that the thesis was not as I thought it was I walked away without hesitation I would have sold and walked whether the stock price was trading at $100"
X Link 2026-02-12T08:20Z 10K followers, [----] engagements

"It was on the same day actually That headline was not a thesis breaker nor did I say it was But it did change the risk profile for me There was already some risk present due to the volatility and unpredictability in the U.S. health insurance market but I deemed the price I got in at to reflect that risk Once the subpoena was announced the risk increased I reassessed and decided I would rather wait and see how that plays out before committing Not every decision to sell a stock is the same Each one is unique and based on a range of factors It may seem like I am emotionally jumping in and out"
X Link 2026-02-12T10:19Z 10K followers, [--] engagements

"That is trading not investing my friend $PYPL was an investment for me I do trade too but there are far better trading options imo PayPal could be dead money for another couple of years I dont think [----] is going to be good I was planning on selling unless my criteria was met I was open about this and even shared it less than [--] hours before earnings It was not a knee jerk reaction It was a measured decision I spent weeks thinking about leading up to it https://twitter.com/i/web/status/2021892810056643040 https://twitter.com/i/web/status/2021892810056643040"
X Link 2026-02-12T10:23Z 10K followers, [---] engagements

"What a time to be alive Days like today demonstrate why its never a good idea to use leverage or short dated options A lot of market participants accounts likely being blown over the last few weeks Strap in guys Times like these separate the wolves from the sheep"
X Link 2026-02-12T16:43Z 10K followers, [---] engagements

"Nothing much to say Juan Other than when you hide things from shareholders/market and then you rug pull investors with an emergency CEO simultaneously with a shocking quarter The market will not forgive you and neither will all of the people/institutions who believed what you said Its unforgivable what they did Now they are in limbo whilst remaining shareholders are forced to wait to see how yet another transition year plays out with an overpaid CEO from HP https://twitter.com/i/web/status/2022008233569718550 https://twitter.com/i/web/status/2022008233569718550"
X Link 2026-02-12T18:01Z 10K followers, [----] engagements

"$PYPL This is exactly the problem with PayPal They hide things they arent transparent and then they wonder why investors dont trust them anymore Remaining shareholders now have to try and piece together the reality from a fragment of a picture of what on earth is going on $PYPL more on partnerships: The PayPal World website no longer shows Coming late [----] and Mercado Pago ($MELI) is no longer a partner meaning there is currently no partner in Latin America. https://t.co/teKTLCPP4q $PYPL more on partnerships: The PayPal World website no longer shows Coming late [----] and Mercado Pago ($MELI)"
X Link 2026-02-12T18:05Z 10K followers, [----] engagements

"Because I dont think Alex is responsible for that I think the reason hes been quiet for [--] months is because hes been told to stop talking If true that is the BOD who is responsible the chairman of which is now the incoming CEO [--] months ago PayPal was in a very different place I dont think that is coincidence but its just my perception I may be wrong but I dont invest in companies I cant trust Their choices recently do not inspire trust https://twitter.com/i/web/status/2022010715108737333 https://twitter.com/i/web/status/2022010715108737333"
X Link 2026-02-12T18:11Z 10K followers, [---] engagements

"@diederik_theo @JuanRodrig07 They both are"
X Link 2026-02-12T18:19Z [----] followers, [--] engagements

"$COIN Remember when these grifters introduced 50x leverage not that long ago Yeah That was a major top signal for crypto What is the intrinsic value of crypto by the way *COINBASE: CUSTOMERS UNABLE TO BUY SELL TRANSFER AT THIS TIME of course *COINBASE: CUSTOMERS UNABLE TO BUY SELL TRANSFER AT THIS TIME of course"
X Link 2026-02-12T18:42Z 10K followers, [----] engagements

"They are not accelerating buybacks Kris They introduced a dividend which was a really dumb move Insiders still not buying and there hasnt been any since Schulman left I wont be surprised if they actually curb the buyback program tbh If they had wanted to accelerate buybacks they could have done with nearly $15B in cash What excuse is there for not announcing an accelerated program here Honestly this was part of my thesis too Maybe it will still play out but I dont trust them to be that shrewd We will see https://twitter.com/i/web/status/2022019926307852680"
X Link 2026-02-12T18:48Z 10K followers, [----] engagements

"$ODD Morgan Stanley quietly upping their stake to 8.3% before Q4 earnings Institutions have been loading the boat during Q3 And so have I Its now the majority of my portfolio Not financial advice Morgan Stanley is now a 8.3% owner of $ODD. If I recall it was under 6% not too long ago. Seems like the majority of the float is owned by insiders and institutions now. https://t.co/4AQdgvri01 Morgan Stanley is now a 8.3% owner of $ODD. If I recall it was under 6% not too long ago. Seems like the majority of the float is owned by insiders and institutions now. https://t.co/4AQdgvri01"
X Link 2026-02-12T20:40Z 10K followers, [----] engagements

"$COIN Oh dear BREAKING: Coinbase $COIN unexpectedly reports a large quarterly loss posting quarterly EPS of -$2.49 compared to expectations of $0.96. The company posted a net loss of -$667 million last quarter. https://t.co/yBt63FLWnd BREAKING: Coinbase $COIN unexpectedly reports a large quarterly loss posting quarterly EPS of -$2.49 compared to expectations of $0.96. The company posted a net loss of -$667 million last quarter. https://t.co/yBt63FLWnd"
X Link 2026-02-12T21:23Z 10K followers, [----] engagements

"Valid points However the debt is mostly low interest with long maturity dates Pay down the shorter term and use some excess cash They have more than enough balance sheet flexibility to do additional buybacks The dividend whilst I understand why they did it absorbs FCF that is better used on buybacks If you think the stock is undervalued enough to initiate a $15B buyback program at $70-90 then you should absolutely be accelerating said program if the stock then gets cut in half To not do so is unforgivable They are focussed on the wrong things imo Having said that lets see what the new CEO"
X Link 2026-02-12T22:26Z 10K followers, [---] engagements

"@Muzzlebuster Thanks David 🤝"
X Link 2026-02-14T12:08Z 10K followers, [--] engagements

"@WheelieInvestor Who would have thought it possible that a stock which went up 10x in [--] months could suddenly take a 50% haircut 😂"
X Link 2026-02-14T16:17Z 10K followers, [---] engagements

"$JD JD Health: $24B (67% ownership) JD logistics: $9.5B (84.5% ownership) This means $JD owns $24B in terms of monetary value Net cash is $21.7B (even more than I thought) Add this together and you get $45.7B Market cap is $41B Can you see how silly this is yet NFA"
X Link 2025-12-30T11:57Z 10K followers, 42.4K engagements

"$JD Finally got around to listening to Q3 earnings ✅ What is clear is that management sound confident in the synergies between the newer business verticals and the core retail business JD retail continues to benefit from JD logistics in terms of cost savings and consequential margin expansion JD retail has now enjoyed [--] straight quarters of margin expansion YoY largely due to the efficiency achieved through JD logistics Cutting out the middle man and owning a self sufficient supply chain is clearly paying dividends This allows JD retail to continue growing healthily whilst also offsetting"
X Link 2026-01-05T23:11Z 10K followers, 13.2K engagements

"$PYPL As much as PainPal has been a disaster this year It is clear that the chances of it going bankrupt are pretty much zero This was yet another squandered opportunity as a result of gross incompetence The culture at PayPal sounds like it is toxic This was an issue under Dan Schulman My guess is @acce came in and tried to change the culture and received aggressive pushback ultimately resulting in him being forced out Alex Chrisss previous record at Intuit speaks for itself I had faith in him as a CEO and that was another factor for me selling on finding out he had been axed I feel sorry for"
X Link 2026-02-08T08:48Z 10K followers, 13.7K engagements

"$PGY I have been watching $PGY for a while now but it was never cheap enough for me to consider a position That changed today It is now trading at a sub [--] P/S $UPST trades at 4x P/S. Higher risk less profitable It is also not what people think it is Not financial advice"
X Link 2026-02-11T16:09Z 10K followers, [----] engagements

"@InvestingVisual I feel your pain matethey havent yet come for tax free investing accounts in the UK but I wouldnt be surprised if they did Theyve come after everything else Time to think about leaving Europe longer term"
X Link 2026-02-13T09:30Z 10K followers, [---] engagements

"$PYPL Recently I have had a lot of accusations levelled at me about emotional decision making in relation to PayPal The quoted post was made the day before Q4 earnings I had already formulated my plan I executed my plan based on facts I would have done this whether the stock price was at $100 or $30 You will always get honesty and objectivity from me And thats what sets me apart from most on here Who else shares all of their moves mistakes and thinking for free for the benefit of others The cold hard truth I dont even like the idea of monetising my content It may be that I never do The only"
X Link 2026-02-15T23:37Z 10K followers, [----] engagements

"I agree Its very silly making claims about who is right or wrong on any stock in the short term unless there is fundamental deterioration And even then there could still be a recovery later down the line There are people on here who act like they are Demi gods when a stock does what they said it was going to do Not realising most short term price movement is completely irrelevant"
X Link 2026-02-04T22:48Z 10K followers, [--] engagements

"Since original warnings went out: $MSTR -70% $SLNH -80% $IONQ $QBTS $RGTI -70% $BULL -60% I take no pleasure in this I highlight only because these warnings get no attention and are either ignored or ridiculed One speciality I have is spotting red flags Im trying to help $RGTI $QBTS $IONQ You have been warned Most of these companies will probably either go to zero or drop 90% and never come back When the party stops a new generation of bag holders will be created and the cycle continues Over and over again $RGTI $QBTS $IONQ You have been warned Most of these companies will probably either go"
X Link 2026-02-05T18:58Z 10K followers, [----] engagements

"$ODD Q4 earnings in [--] weeks Short interest: 15.57% (6.3M shares) The active float is AT THE MOST in the range of 3-5M This means they are effectively short 100%+ of the available daily supply Days to cover is [--] Not only that the company has a buyback program constraining supply even more This could get silly The company has a 100% beat and raise track record since IPO Growing revenue 20%+ with an ADJ EBITDA margin of 20% (rule of [--] as a minimum) Trailing PE is 16x Forward PE is 12x Absolutely insane I have never seen anything like this with a company holding such strong a financial and"
X Link 2026-02-06T09:00Z 10K followers, [----] engagements

"$PGY does not really have a true competitor $UPST is probably the closest example of one Look at the post below and explain to me why $UPST should trade at a massive premium I have compared the two companies and come to the conclusion it should be the other way around NFA $PGY vs $UPST: Revenue: - $1.26B vs $1.04B Net Income: - $81M vs $53.6M EBITDA: - $81.7M vs $72.9M EPS: - $0.89 vs $0.43 FCF: - $224.72M vs -$373M Expenses: - $256M vs $733M SBC: - $45M vs $99.5M Yet $PGY has a $1B Market cap & $UPST has a market cap of $3.3B https://t.co/AzWYPeDliz $PGY vs $UPST: Revenue: - $1.26B vs $1.04B"
X Link 2026-02-11T19:34Z 10K followers, [----] engagements

"$ODD is a better company than $HIMS And its cheaper Even now With far less risk MethodIQ is the companies TeleHealth arm Its just getting started Sometimes its the companies that nobody talks about hiding in plain site which are the most obvious Not financial advice"
X Link 2026-02-13T08:29Z 10K followers, [----] engagements

"$PGY Just finished listening to Q4 earnings Very impressed Management are extremely transparent taking a lot of time to answer analyst questions in detail It is very clear the business is at an inflection point where it is diversifying revenue whilst increasing operating leverage at a rapid pace This sell off is completely unwarranted The management spelled it out on the call They are taking less risk whilst driving profitability and operating leverage at scale by moving into newer better less riskier products whilst also increasingly monetising their existing base through partnerships Their"
X Link 2026-02-13T14:41Z 10K followers, [----] engagements

"10. RISKS & BEAR CASES PART [--] [--]. Pagaya is at risk of bankruptcy during a recession. They are high risk. 2.A. This may have been true a couple of years ago but not anymore. The company swung from a net loss of $401M net loss in [----] to a $81M profit in [----]. This was due to a rapid increase in operating leverage lowering expenses by 18% YoY. They are now also able to charge higher fees which is increasing the amount of profit they make from each loan they process. Fee revenue grew 26% despite loan volume only growing 9%. This demonstrates their newfound strength and durability as a business."
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"11. COMPETITORS Heres the funny thing. Pagaya doesnt really have any true competitors. No other fintech is embedded within the U.S. financial ecosystem like they are. Nobody else has an equivalent AI model with access to such an astonishing amount of vaulted financial data. Their closest thing to a competitor is probably $UPST. UPSTART Upstart is a direct competitor in AI credit but their model is different. Upstart is direct to consumer. People go to their website directly to obtain loans. Upstart relies heavily on marketing and small banks/credit unions to buy their loans. They also hold"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"$PYPL I have started writing a Substack article examining where I went wrong with PainPal I have learned more from this bitter experience than I have ever learned from any other win or loss I hope to share the value in some of that learning with you All my work is free"
X Link 2026-02-15T12:30Z 10K followers, [----] engagements

"You are both right in different ways George is right in terms of long term A long term investment thesis cant be made or broken in a year unless the company now dives But its also true to say that my own personal thesis is broken because I believed Alex Chriss had the capability to fix the ship and turn it around much faster than anticipated It might be that the new CEO comes in cost cuts aggressively and at that point people could be eating their words in a year or two For me personally I had a planned timeline that simply did not materialise as expected"
X Link 2026-02-15T18:02Z 10K followers, [--] engagements

"For me hes been the chairman of the board for [--] years Hes been heavily involved since the Schulman days and has overseen the incompetence witnessed during that period The board of directors is largely responsible for the events of this year Its been within their power to cut staff way more aggressively Its been within their control to see things playing out and act accordingly with speed Its been within their remit to be transparent on things like Ads Fastlane PayPal world etc He is part of that failure in execution The culture at the company I think is rotten Its a bloated cooperate entity"
X Link 2026-02-15T18:39Z 10K followers, [--] engagements

"$PYPL THESIS MEGA THREAD PART [--] 🧵 In part one I have focussed on addressing; - Business model - Risks - Bear cases - Path to growth re-acceleration Stay tuned for part two Enjoy"
X Link 2025-10-02T08:34Z 10K followers, 88.6K engagements

"$PYPL PAYPAL IN [----] Revenue - $9.25B Net income - $1.23B FCF - $1.85B Cash - $5.7B MC - $50B PAYPAL IN [----] Revenue - $32.4B (+250%) Net income - $4.92B (+300%) FCF - $6.80B (+267%) Cash - $14.4B (+153%) MC - $52B (maybe lower) Insane"
X Link 2026-01-24T23:29Z 10K followers, 70.7K engagements

"$PYPL Ok real talk now PayPal has caught me off guard multiple times over the last [--] months The things I want to see as a minimum tomorrow: Strong results Reduced headcount (or at least intent) Strong FCF No excuses in relation to macro OVAS transparency Increased buybacks during Q3 Acknowledgement of undervaluation Increased buybacks authorisation Solid [----] guidance Ads contribution breakdown Confidence from management I have them the benefit of the doubt since Q3 but there are some things I am currently unhappy with: No insider buying Management negativity Excuses Dividend timing (buybacks"
X Link 2026-02-02T09:02Z 10K followers, 26.9K engagements

"$ODD METHODIQ review from a week ago Melasma sufferer of [--] years on the verge of being cured"
X Link 2026-02-06T14:03Z 10K followers, [----] engagements

"$HIMS SHAREHOLDERS PLEASE READ Guys please try and be objective here I have seen some crazy takes over the last [--] hours and I am genuinely concerned for many of you We all should want better and cheaper healthcare for sure and there are major issues with big pharma Holding monopolies and price gouging is completely unacceptable and needs to be addressed Having said that I dont think we should be celebrating $HIMS management choosing to lead the company into what is likely to become a multi year lawsuit with $NVO as well as an FDA investigation This could end very badly and whilst I can see"
X Link 2026-02-07T09:57Z 10K followers, 63.8K engagements

"$HIMS As predicted This is not the end $NVO is indeed suing $HIMS"
X Link 2026-02-09T12:15Z 10K followers, [----] engagements

"$PGY The thesis here is very simple The stock is dirt cheap OPEX is deceasing Profits are increasing $PGY is not a traditional loan company They are an asset light tech company The market does not understand what they do No other company does what they do at scale NFA"
X Link 2026-02-11T19:18Z 10K followers, [----] engagements

"Why are so many stocks tanking whilst the indexes have barely moved Its because they are so overweight in big tech A massive 37% of the $SPY is in just [--] stocks: [--]. $NVDA - 7.72% [--]. $APPL - 6.81% [--]. $MSFT - 5.17% [--]. $AMZN - 3.39% [--]. $GOOGL - $3.12% [--]. $AVGO - 2.71% [--]. $GOOG - 2.5% [--]. $META - 2.46% [--]. $TSLA - 2.01% [--]. $BRK.B - 1.55% Once the magnificent [--] start crashing thats when you will see a gap down in the $SPY The $QQQ is even more sensitive due to having the same top [--] stocks but with a 48% allocation I see a lot of confusion on this but its really quite simple The indexes have"
X Link 2026-02-13T09:05Z 10K followers, [----] engagements

"1. WHAT IS PAGAYA Pagya is an AI driven financial technology company that acts as a "second look" engine for lenders. They provide the software and data infrastructure that helps traditional banks auto lenders and credit card companies approve more customers who might otherwise be rejected by standard credit scoring models. Founded as an Israeli startup by four friends in [----] the initial vision for the Pagaya company was to harness the power of AI and machine learning to fundamentally change how institutional investors manage assets and to broaden access to financial services. The companies"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"3. HOW DOES PAGAYA MAKE MONEY Primarily through fees not interest. Unlike a bank they don't want the loans to sit on their books; they want to move them through their system as quickly as possible. The are effectively a high tech toll booth that sits between banks and large investors. They take a small cut of every dollar that passes through. LENDING PARTNER FEES (SELL SIDE) Banks and fintechs pay Pagaya for every new customer they acquire through their AI. These are essentially origination fees for helping the bank approve more people for loans. FUNDING PARTNER FEES (BUY SIDE) Institutional"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"4. THE BACK END PLUMBING Pagaya are deeply embedded between the banks that find customers and the institutional investors who have the money to lend. They dont have a website where you go to apply for a loan. Instead they are a seamless secondary look engine hidden inside the apps of their partners. Example: [--]. A customer applies for a loan at a bank. [--]. The banks traditional computer system rejects the person. [--]. In a fraction of a second the banks system sends that data via an API to Pagaya. [--]. Pagayas AI analyses thousands of extra data points. If it likes the risk it tells the bank "Go"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"5. CAPITAL MARKET INTEGRATION Pagaya is essentially a bridge that connects consumer loans directly to the Bond Market. FORWARD FLOW AGREEMENTS Before any loans are even made Pagaya signs deals with huge investment firms. These firms commit hundreds of millions of dollars to buy loans that meet certain criteria. Pagaya bundles these individual loans into Asset Backed Securities and sells them to institutional investors. This allows them to "recycle" capital. They move loans off the bank's books and into the hands of global investors almost instantly keeping the system moving without needing a"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"6. LOWER RISK BUSINESS MODEL In a traditional bank if a borrower stops paying the bank loses its own money. Pagaya generally do not keep loans on their own balance sheet. Once a loan is approved by their AI it is almost immediately sold to institutional investors or bundled into bonds (ABS). If the economy crashes and people default it is the investors who bought the bonds who lose money not Pagaya. Pagaya has already collected its fee for making the match. Most lenders find a borrower and then look for the money to fund the loan. If the stock market gets shaky the money dries up and the"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"7. DIVERSIFICATION Pagaya has aggressively diversified its revenue streams. They are embedded in auto loans credit cards point of sale (BNPL) and real estate. If the auto market hits a recession for example they can lean on their credit card or personal loan volume to stay profitable. They now have a total of [--] institutional lending partners with 7-8 more to be added in the first half of [----]. They have 150+ institutional investors which they can get cash from. Not one company has left the network since joining. This creates a large safety buffer for times of volatility. An increasing number"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"8. DO THEY HAVE A MOAT Pagaya has a strong competitive advantage and is unique in how it operates. THE DATA FLYWHEEL Pagaya has evaluated over $3.5 trillion in loan applications since its inception. This creates a powerful cycle: [--]. Every time a partner bank sends an application to Pagaya the AI learns something new even if the loan is rejected. [--]. More data leads to more accurate risk pricing. [--]. This leads to better and better decision making as data feeds back in to the system and the AI continues to iterate. A new competitor starting today wouldn't have the decade of historical training"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"9. RISKS & BEAR CASES PART [--] [--]. Growth is slowing - as of Q4 [----] top line revenue growth is slowing and the company has pulled back from riskier loan asset classes. Analysts have observed that this is not reflected in the general loan macroeconomic environment. Is this a macro problem or a company problem 1.A. Pagaya has an advanced read of loan data due to its embedded network within [--] institutional partners. If there is any early signs of consumer pressure Pagaya are the first to spot it. They noted a scale down in previously aggressive loan strategies employed by multiple lenders. In"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"12. VALUATION Here is where it gets very interesting. After the Q4 sell off $PGY now sits in the $12-13 range. Around $1B market cap. TTM PE - 12x Forward PE - 5x Forward EV/EBITDA - 3x P/S - [---] This is for a company that grew revenue 26% in [----] and flipped from a $401M loss to $81M profit with 29% EBITDA margin. They are comfortably above the rule of [--] and have been for several quarters. This is laughable quite frankly. $UPST has the following: TTM PE - 60x Forward PE - 20.5x Forward EV/EBITDA - 14.2x P/S - 2.4x EBITDA margin - 22% Upstart is growing revenue 35%+ but it is less profitable"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"13. FOUNDER LED & CONTROLLED Something I look for increasingly nowadays are founder led and controlled companies. This ensures management are shareholder aligned and not just turning up for a pay cheque. Cough coughPayPal. The founders control around 75-80% of voting power through class B share structure. Just how I like it. Immune to hostile takeovers. Resistant to virus like bloat and bureaucracy which infects so many large corporate entities. Focussed on whats important. The long term viability and performance of the business. And after listening to Q4 earnings I am 100% confident that is"
X Link 2026-02-13T21:07Z 10K followers, [---] engagements

"14. CONCLUSION I have had $PGY on watchlist for around a year. I watched it run aggressively from $10 to $40 with interest roughly tracking their progress. When it crashed down 25%+ after earnings my interest peaked and I quickly started researching the company. Within a few hours I had seen enough. After a few days its become my second largest holding after what I have found out. What is clear to me is that this company is completely misunderstood by the market. Im not convinced most people even know what they do. The CEO said it best on the Q4 earnings call: "This will continue to define"
X Link 2026-02-13T21:07Z 10K followers, [----] engagements

"Big day for Weary Centurion Today I woke up to [-----] followers To celebrate I am going to share some personal things about my background which I think some of you may find interesting I love all of my Fin X bros even those I disagree with But one thing that probably sets me apart from most of you is the place where I come from I am now on the path to becoming a good man (or at least thats my intent) But I was not always this way I am a reformed character I was once a bad person A nasty person Angry. Selfish. Egotistical. Intimidating [--] years ago I would be more likely to punch someone than"
X Link 2026-02-14T09:40Z 10K followers, [----] engagements

"I hear the skepticism and honestly a year ago I would have agreed with you. The mark-to-market volatility used to be a black box. But looking at the [----] results its tough to ignore that they finally bridged the gap between 'adjusted' fluff and real GAAP net income. The swing from $401M loss to $81M net income is significant. They didn't just 'adjust' their way to profit they kept $81M after everything was accounted for including the impairments. Comparing them to a traditional lender feels off. $UPST is holding $1B in loans on their own BS whereas Pagaya is offloading 95% of that risk to"
X Link 2026-02-14T10:16Z 10K followers, [---] engagements

"@InvestingVisual This basically makes investing pointless Pretty shocking the levels of high level hubris we are witnessing right now"
X Link 2026-02-14T11:24Z 10K followers, [----] engagements

"@StockMarketNerd We live in the age of gaslighting"
X Link 2026-02-14T17:14Z 10K followers, [---] engagements

"@6days1week Did you listen to the earnings call"
X Link 2026-02-15T18:03Z 10K followers, [--] engagements

"@wealthmatica Its definitely on my radar but I would like to see it even cheaper here with the uncertainty of next year and bookings volume ticking down before considering a position Tempting though for sure"
X Link 2026-02-15T18:05Z 10K followers, [---] engagements

"@6days1week If you didnt even listen to the earnings call then you are wasting my time"
X Link 2026-02-15T19:26Z 10K followers, [--] engagements

"@hypergrowth102 @FindingMeFin They dont own Quest. Its a partnership"
X Link 2026-02-15T23:00Z 10K followers, [--] engagements

"$OPEN Warning put out close to the peak at $9 -60% since I dont short companies But sometimes I get very tempted to All of my warnings have played out as expected so far $OPEN This is a pump and dump imo Be careful I dont know who needs to hear this but 1500% in [--] months is not normal This will not end well for those left holding the bags when this collapses Nobody knows when that is but the fall will be faster than the rise $OPEN This is a pump and dump imo Be careful I dont know who needs to hear this but 1500% in [--] months is not normal This will not end well for those left holding the bags"
X Link 2026-02-16T07:40Z 10K followers, [---] engagements

"$ODD is a better version of $HIMS There is no hype which is why they are currently unknown This is intentional They dont need hype They are quietly building an empire They have their own pharmaceutical grade AI-based molecule discovery They use AI-based target discovery to screen billions of molecules engineer proprietary 3D skin and follicle models and develop truly novel active ingredients with measurable impact Their tech stack includes an AI matching engine a patented creator platform and proprietary hyperspectral vision software Their metrics are either accelerating or stable They are"
X Link 2026-02-16T10:09Z 10K followers, [---] engagements

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