[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @AndrewM61370616 Andrew Marshall Andrew Marshall posts on X about $dave, $daves, $afrm, $mq the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1484032382504079361/interactions)  - X Week XXXXXX +568% - X Month XXXXXX +217% - X Months XXXXXXX +44% - X Year XXXXXXX +376% ### Mentions: XX [#](/creator/twitter::1484032382504079361/posts_active)  - X Month X -XX% - X Months XXX +57% - X Year XXX +234% ### Followers: XXXXX [#](/creator/twitter::1484032382504079361/followers)  - X Week XXXXX +1.10% - X Month XXXXX +3.60% - X Months XXXXX +103% - X Year XXXXX +185% ### CreatorRank: XXXXXXX [#](/creator/twitter::1484032382504079361/influencer_rank)  ### Social Influence [#](/creator/twitter::1484032382504079361/influence) --- **Social category influence** [stocks](/list/stocks) XX% [finance](/list/finance) XX% [technology brands](/list/technology-brands) XX% [fashion brands](/list/fashion-brands) X% [cryptocurrencies](/list/cryptocurrencies) X% **Social topic influence** [$dave](/topic/$dave) #17, [$daves](/topic/$daves) #1, [$afrm](/topic/$afrm) #112, [$mq](/topic/$mq) #4, [faster](/topic/faster) 10%, [ai](/topic/ai) 10%, [$ccb](/topic/$ccb) 5%, [unlock](/topic/unlock) 5%, [summary](/topic/summary) 5%, [ipo](/topic/ipo) X% **Top accounts mentioned or mentioned by** [@mabiverse123](/creator/undefined) [@alohaoasis](/creator/undefined) [@capitalmindset](/creator/undefined) [@copycatinvest](/creator/undefined) [@barnietaintpipe](/creator/undefined) [@eddercheddar](/creator/undefined) [@kancauskis](/creator/undefined) [@twillo1](/creator/undefined) [@yielddog1](/creator/undefined) **Top assets mentioned** [Dave Inc. (DAVE)](/topic/$dave) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [Marqeta, Inc. Class A Common Stock (MQ)](/topic/$mq) [Apple, Inc. (AAPL)](/topic/$aapl) [Coldstack (CLS)](/topic/$cls) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) ### Top Social Posts [#](/creator/twitter::1484032382504079361/posts) --- Top posts by engagements in the last XX hours "$DAVE In reviewing the Q3 numbers I come back to how big of a deal and value unlock the partnership with $CCB will be for the company and shareholders. This company is extremely profitable but currently is rolling their cashflows into funding their own originations. Once that funding of originations is no longer off $DAVE's own cashflows the business will have such a large BS unlock to invest in the biz or do capital returns. In the cash flow statement below you can see how much of their cash from ops gets reinvested back into funding originations which is a very good use of cash but once" [X Link](https://x.com/AndrewM61370616/status/1986101056766705939) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-05T15:59Z 1455 followers, 1827 engagements "Funny to see $AFRM down after the $MQ call - but no one listens to $MQ so I guess it makes sense. I think Affirm will continue to show how high quality they are and the results and call will be good but based on recent price action from earnings it will probably end down X% tomorrow 🤣" [X Link](https://x.com/AndrewM61370616/status/1986462552034058272) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-06T15:55Z 1455 followers, 3178 engagements "(9/X) So in Summary this $DAVE Q: X. Showed MTM growth accelerating while CAC remained the same and GP/Customer went up resulting in lower CAC/MTM and faster payback periods X. Implemented their new underwriting model which has shown to be able to lend higher amounts while reducing deliquencies. X. Continued to drive incredible operating leverage having roughly XX cents of each dollar of gross profit drop to EBITDA. X. Saw continued growth in ARPU. All while delivering great current Q results. As fundamental/long term shareholders we are not worried what $DAVE does today but for us this was" [X Link](https://x.com/AndrewM61370616/status/1985769546884559151) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T18:02Z 1455 followers, 1079 engagements "$CLS I had them doing 12B of revenue this year - they beat that and are doing 12.2B of revenue The 2026 guide I was not ready for haha. $16B of revenue initial outlook which means they probably hit 17B is insane. AI DC capex doesn't look to be slowing down here. @CopyCat_Invest has been on the money on this one. Guy knows his CLS" [X Link](https://x.com/AndrewM61370616/status/1982907218497548761) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-10-27T20:28Z 1450 followers, 1533 engagements "$DAVE Excellent Q3 results. MTM growth accelerating while CAC going down and payback now less than X months. Will give full thoughts later but the co continues to kill it and going through the report it's tough to find something to dislike. Also appreciate management giving a breakout of their philosophy on their credit strategy hopefully is helpful for people looking at Dave and not fully understanding. Also really awesome they gave some expectations on Q4 DPD rate and seeing the delinquency rate improve while originations and MTMs are growing at this rate. Overall as shareholders we are" [X Link](https://x.com/AndrewM61370616/status/1985691473816535084) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T12:51Z 1451 followers, 1731 engagements "(1/X) MTM Growth acceleration: Firstly thank you to the $DAVE team for showing an extra decimal point on the slide just a nice QoL improvement for us. MTM growth accelerated to +5% QoQ. They also did this while keeping CAC flat. This is extremely important as what this is means is that CAC to acquire MTMs has gone down and payback periods continue to go down from X months a few quarters ago to less than X months now" [X Link](https://x.com/AndrewM61370616/status/1985761652810400139) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:30Z 1454 followers, XXX engagements "(2/X) Deliquency/charge offs. This one is a good one to take a minute to explain. $DAVE put out a helpful PDF explaining their thought process on credit losses and deliquencies. A portion of it is attached here but I'd like to walk through this as well here: For $DAVE (this could also to apply to a company like $CHYM for their EWA product so not exclusive to Dave) Credit losses fluctuate greatly based on the day of the week they report. For anyone who is experienced looking at financials or understanding companies that have loans outstanding this can be confusing as most companies with much" [X Link](https://x.com/AndrewM61370616/status/1985762950217601140) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:35Z 1453 followers, XXX engagements "(3/X) $DAVE has an average loan life of XX days so X day is a roughly X% impact on the loan book for Dave so under traditional accounting methods this will understandably have a large impact on credit loss provisions based on what day of the week it is. Dave's management went through this on the last call but I think they wanted to give extra clarity to investors in a PDF doc for this call which I think is very helpful" [X Link](https://x.com/AndrewM61370616/status/1985763796313653324) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:39Z 1454 followers, XXX engagements "(4/X) As a CPA i've worked multiple times on loss provisions for accounts and they are usually structured in a number of ways but for simplicity let's say $DAVE strcutures them as a simple % of loans outstanding (I imagine it's more sophisticated than this but this is just for illustration) If the largest amount of loans outstanding falls on a Tuesday because a lot of payments are made on Wednesday-Friday you will rightfully have a larger provsion on Tuesday. This is because of the short duration nature of $DAVE's loans this can have the loss provision look higher on Q's that end on Tuesday" [X Link](https://x.com/AndrewM61370616/status/1985764558737469801) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:42Z 1454 followers, XXX engagements "(5/X) Instead the XX day Deliquency and XXX day Deliquency rates are stated by $DAVE's mgmt as a better indicator of company performance on originations (and I agree with them). And that number is improving from last Q while also having higher originations and increasing MTMs at a faster pace - I don't think the market understands how good this trend is. If you recall the market was spooked by Dave's jump in deliquencies last Q but Dave's mgmt said that they decided to be more aggresive on loans and it was planned" [X Link](https://x.com/AndrewM61370616/status/1985765595556843600) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:46Z 1454 followers, XXX engagements "$DAVE longer thoughts on the Q. This will be a long Thread so if I make any mistakes in formatting my apologies. Firstly this was a great Q. Quick numbers perspective: Revenue: My model had 141M they did 150.8M Opex: My Model:95.6M Actual 104.8M Adjusted Ebitda: My Model: 54.7M Actual: 58.7M Adjusted Net Income: My Model: 48.3M Actual: 61.6M Guidance raised to 546M and Adjusted ebitda guide to 217M. (represents a FY increase of 30M for both) These Numbers by themselves are extremely good but what is more interesting to me (and should be to you) is the business momentum (will continue below)" [X Link](https://x.com/AndrewM61370616/status/1985760592691675148) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:26Z 1455 followers, 5286 engagements "(6/X) This is because $DAVE has incredible operating leverage. so for every incremental dollar of gross profit about XX% of that drops to EBITDA. Dave's mgmt rightly pointed out that taking a slightly higher deliquency rate while having more originations and revenue growth would lead to a higher bottom line growth (which has happened)" [X Link](https://x.com/AndrewM61370616/status/1985766006808330677) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:48Z 1455 followers, XXX engagements "(7/X) The really exciting news is that with $DAVE's newest underwriting model - CashAI v5.5 the Deliquency rate dropped to XXXX% in September and Dave gave guideance that the 28DPD rate would be below XXXX% for December" [X Link](https://x.com/AndrewM61370616/status/1985766618333614302) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:50Z 1455 followers, XXX engagements "(8/X) On Cash AI v5.5 not only are deliquencies down on this new model but origination size went up on it. so you have a model that is X. extending more origination volume per customer while X. reducing deliquency's Sounds pretty great to me" [X Link](https://x.com/AndrewM61370616/status/1985767776934641940) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:55Z 1455 followers, XXX engagements "If only there were signs that $AFRM would have a print like this" [X Link](https://x.com/AndrewM61370616/status/1986554834661876008) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-06T22:02Z 1455 followers, 1338 engagements "@BarnieTaintpipe Maybe i'll go buy a roomba" [X Link](https://x.com/AndrewM61370616/status/1986893012270744034) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-07T20:26Z 1455 followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@AndrewM61370616 Andrew Marshall
Andrew Marshall posts on X about $dave, $daves, $afrm, $mq the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +568%
- X Month XXXXXX +217%
- X Months XXXXXXX +44%
- X Year XXXXXXX +376%
Mentions: XX #
- X Month X -XX%
- X Months XXX +57%
- X Year XXX +234%
Followers: XXXXX #
- X Week XXXXX +1.10%
- X Month XXXXX +3.60%
- X Months XXXXX +103%
- X Year XXXXX +185%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence stocks XX% finance XX% technology brands XX% fashion brands X% cryptocurrencies X%
Social topic influence $dave #17, $daves #1, $afrm #112, $mq #4, faster 10%, ai 10%, $ccb 5%, unlock 5%, summary 5%, ipo X%
Top accounts mentioned or mentioned by @mabiverse123 @alohaoasis @capitalmindset @copycatinvest @barnietaintpipe @eddercheddar @kancauskis @twillo1 @yielddog1
Top assets mentioned Dave Inc. (DAVE) Affirm Holdings, Inc. Class A Common Stock (AFRM) Marqeta, Inc. Class A Common Stock (MQ) Apple, Inc. (AAPL) Coldstack (CLS) Chime Financial, Inc. Class A Common Stock (CHYM)
Top Social Posts #
Top posts by engagements in the last XX hours
"$DAVE In reviewing the Q3 numbers I come back to how big of a deal and value unlock the partnership with $CCB will be for the company and shareholders. This company is extremely profitable but currently is rolling their cashflows into funding their own originations. Once that funding of originations is no longer off $DAVE's own cashflows the business will have such a large BS unlock to invest in the biz or do capital returns. In the cash flow statement below you can see how much of their cash from ops gets reinvested back into funding originations which is a very good use of cash but once"
X Link @AndrewM61370616 2025-11-05T15:59Z 1455 followers, 1827 engagements
"Funny to see $AFRM down after the $MQ call - but no one listens to $MQ so I guess it makes sense. I think Affirm will continue to show how high quality they are and the results and call will be good but based on recent price action from earnings it will probably end down X% tomorrow 🤣"
X Link @AndrewM61370616 2025-11-06T15:55Z 1455 followers, 3178 engagements
"(9/X) So in Summary this $DAVE Q: X. Showed MTM growth accelerating while CAC remained the same and GP/Customer went up resulting in lower CAC/MTM and faster payback periods X. Implemented their new underwriting model which has shown to be able to lend higher amounts while reducing deliquencies. X. Continued to drive incredible operating leverage having roughly XX cents of each dollar of gross profit drop to EBITDA. X. Saw continued growth in ARPU. All while delivering great current Q results. As fundamental/long term shareholders we are not worried what $DAVE does today but for us this was"
X Link @AndrewM61370616 2025-11-04T18:02Z 1455 followers, 1079 engagements
"$CLS I had them doing 12B of revenue this year - they beat that and are doing 12.2B of revenue The 2026 guide I was not ready for haha. $16B of revenue initial outlook which means they probably hit 17B is insane. AI DC capex doesn't look to be slowing down here. @CopyCat_Invest has been on the money on this one. Guy knows his CLS"
X Link @AndrewM61370616 2025-10-27T20:28Z 1450 followers, 1533 engagements
"$DAVE Excellent Q3 results. MTM growth accelerating while CAC going down and payback now less than X months. Will give full thoughts later but the co continues to kill it and going through the report it's tough to find something to dislike. Also appreciate management giving a breakout of their philosophy on their credit strategy hopefully is helpful for people looking at Dave and not fully understanding. Also really awesome they gave some expectations on Q4 DPD rate and seeing the delinquency rate improve while originations and MTMs are growing at this rate. Overall as shareholders we are"
X Link @AndrewM61370616 2025-11-04T12:51Z 1451 followers, 1731 engagements
"(1/X) MTM Growth acceleration: Firstly thank you to the $DAVE team for showing an extra decimal point on the slide just a nice QoL improvement for us. MTM growth accelerated to +5% QoQ. They also did this while keeping CAC flat. This is extremely important as what this is means is that CAC to acquire MTMs has gone down and payback periods continue to go down from X months a few quarters ago to less than X months now"
X Link @AndrewM61370616 2025-11-04T17:30Z 1454 followers, XXX engagements
"(2/X) Deliquency/charge offs. This one is a good one to take a minute to explain. $DAVE put out a helpful PDF explaining their thought process on credit losses and deliquencies. A portion of it is attached here but I'd like to walk through this as well here: For $DAVE (this could also to apply to a company like $CHYM for their EWA product so not exclusive to Dave) Credit losses fluctuate greatly based on the day of the week they report. For anyone who is experienced looking at financials or understanding companies that have loans outstanding this can be confusing as most companies with much"
X Link @AndrewM61370616 2025-11-04T17:35Z 1453 followers, XXX engagements
"(3/X) $DAVE has an average loan life of XX days so X day is a roughly X% impact on the loan book for Dave so under traditional accounting methods this will understandably have a large impact on credit loss provisions based on what day of the week it is. Dave's management went through this on the last call but I think they wanted to give extra clarity to investors in a PDF doc for this call which I think is very helpful"
X Link @AndrewM61370616 2025-11-04T17:39Z 1454 followers, XXX engagements
"(4/X) As a CPA i've worked multiple times on loss provisions for accounts and they are usually structured in a number of ways but for simplicity let's say $DAVE strcutures them as a simple % of loans outstanding (I imagine it's more sophisticated than this but this is just for illustration) If the largest amount of loans outstanding falls on a Tuesday because a lot of payments are made on Wednesday-Friday you will rightfully have a larger provsion on Tuesday. This is because of the short duration nature of $DAVE's loans this can have the loss provision look higher on Q's that end on Tuesday"
X Link @AndrewM61370616 2025-11-04T17:42Z 1454 followers, XXX engagements
"(5/X) Instead the XX day Deliquency and XXX day Deliquency rates are stated by $DAVE's mgmt as a better indicator of company performance on originations (and I agree with them). And that number is improving from last Q while also having higher originations and increasing MTMs at a faster pace - I don't think the market understands how good this trend is. If you recall the market was spooked by Dave's jump in deliquencies last Q but Dave's mgmt said that they decided to be more aggresive on loans and it was planned"
X Link @AndrewM61370616 2025-11-04T17:46Z 1454 followers, XXX engagements
"$DAVE longer thoughts on the Q. This will be a long Thread so if I make any mistakes in formatting my apologies. Firstly this was a great Q. Quick numbers perspective: Revenue: My model had 141M they did 150.8M Opex: My Model:95.6M Actual 104.8M Adjusted Ebitda: My Model: 54.7M Actual: 58.7M Adjusted Net Income: My Model: 48.3M Actual: 61.6M Guidance raised to 546M and Adjusted ebitda guide to 217M. (represents a FY increase of 30M for both) These Numbers by themselves are extremely good but what is more interesting to me (and should be to you) is the business momentum (will continue below)"
X Link @AndrewM61370616 2025-11-04T17:26Z 1455 followers, 5286 engagements
"(6/X) This is because $DAVE has incredible operating leverage. so for every incremental dollar of gross profit about XX% of that drops to EBITDA. Dave's mgmt rightly pointed out that taking a slightly higher deliquency rate while having more originations and revenue growth would lead to a higher bottom line growth (which has happened)"
X Link @AndrewM61370616 2025-11-04T17:48Z 1455 followers, XXX engagements
"(7/X) The really exciting news is that with $DAVE's newest underwriting model - CashAI v5.5 the Deliquency rate dropped to XXXX% in September and Dave gave guideance that the 28DPD rate would be below XXXX% for December"
X Link @AndrewM61370616 2025-11-04T17:50Z 1455 followers, XXX engagements
"(8/X) On Cash AI v5.5 not only are deliquencies down on this new model but origination size went up on it. so you have a model that is X. extending more origination volume per customer while X. reducing deliquency's Sounds pretty great to me"
X Link @AndrewM61370616 2025-11-04T17:55Z 1455 followers, XXX engagements
"If only there were signs that $AFRM would have a print like this"
X Link @AndrewM61370616 2025-11-06T22:02Z 1455 followers, 1338 engagements
"@BarnieTaintpipe Maybe i'll go buy a roomba"
X Link @AndrewM61370616 2025-11-07T20:26Z 1455 followers, XXX engagements