# ![@Blood_space0222 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1149853540577189888.png) @Blood_space0222 投资者老杨

投资者老杨 posts on X about $upst, ratio, ai, market the most. They currently have [---] followers and [--] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1149853540577189888/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1149853540577189888/c:line/m:interactions.svg)

- [--] Week [-----] +46,563%
- [--] Month [-----] +317%

### Mentions: [--] [#](/creator/twitter::1149853540577189888/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1149853540577189888/c:line/m:posts_active.svg)


### Followers: [---] [#](/creator/twitter::1149853540577189888/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1149853540577189888/c:line/m:followers.svg)

- [--] Month [--] +18%

### CreatorRank: [---------] [#](/creator/twitter::1149853540577189888/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1149853540577189888/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  [finance](/list/finance)  [exchanges](/list/exchanges)  [technology brands](/list/technology-brands) 

**Social topic influence**
[$upst](/topic/$upst) #81, [ratio](/topic/ratio), [ai](/topic/ai), [market](/topic/market), [movement](/topic/movement), [core](/topic/core), [growth](/topic/growth), [quality](/topic/quality), [bullish](/topic/bullish), [prime](/topic/prime)

**Top accounts mentioned or mentioned by**
[@macroguru](/creator/undefined) [@paulxgu](/creator/undefined) [@goddreng10](/creator/undefined) [@henryinvests](/creator/undefined) [@davegirouard](/creator/undefined) [@macneillpatrick](/creator/undefined) [@qinbafrank](/creator/undefined) [@atanzi](/creator/undefined) [@zhangtaosg](/creator/undefined) [@angelasky65996](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Coinbase Global Inc. (COIN)](/topic/coinbase) [BITMINE IMMERSION TECH (BMNR)](/topic/$bmnr)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@paulxgu I think it will change credit loan market share hugely. I am confident that $UPST will find a good position because [--]. Stronger AI platform and many years of data accumulation. [--]. Strong Mgmt team"  
[X Link](https://x.com/Blood_space0222/status/2010005233242665435)  2026-01-10T15:06Z [--] followers, [---] engagements


"@macro_guru Credit card issuers would certainly seek to rebalance. In order to protect their ROI they would reduce rewards lower credit limits for high-risk customers or even cancel cards for some ultimately allowing the credit market to find a new equilibrium"  
[X Link](https://x.com/Blood_space0222/status/2010048566350557347)  2026-01-10T17:58Z [--] followers, [--] engagements


"@macro_guru Because some subprime borrowers must not be able to access cc there would be a significant reallocation among borrowing customers. From this point $UPST have a chance to acquire more customers"  
[X Link](https://x.com/Blood_space0222/status/2010049465118539870)  2026-01-10T18:01Z [--] followers, [---] engagements


"@macro_guru Maybe CC issuers need AI to decide which subprime worth to stay that is the $UPST chance. My worry is to improve affordabilityTrump might not only order cc interest rates but could also extend to influencing the interest rates on personal loans"  
[X Link](https://x.com/Blood_space0222/status/2010051622920224789)  2026-01-10T18:10Z [--] followers, [---] engagements


"@macro_guru Want to know if this rate limitation can be a tailwind for $UPST loan offload better ROI"  
[X Link](https://x.com/Blood_space0222/status/2010052892192100856)  2026-01-10T18:15Z [--] followers, [--] engagements


"@macro_guru Black box"  
[X Link](https://x.com/Blood_space0222/status/2011657343122211327)  2026-01-15T04:31Z [--] followers, [---] engagements


"@goddreng10 Loan on balance sheet will be the mostly unpredictable part. It is not the capacity of growth but the potential risk on stakeholders"  
[X Link](https://x.com/Blood_space0222/status/2011668391673937942)  2026-01-15T05:14Z [--] followers, [--] engagements


"@macro_guru @davegirouard Yes mistake"  
[X Link](https://x.com/Blood_space0222/status/2013404367659979215)  2026-01-20T00:13Z [--] followers, [--] engagements


"@HenryInvests Dont think so. The ideal cloud be good but it will take a long time to build. Like other UPST products it would always have long time to accumulate data and optimize algorithm. It would also generate trail loans B/S as usual. One new amazing product is not really help price"  
[X Link](https://x.com/Blood_space0222/status/2016145035428036838)  2026-01-27T13:43Z [--] followers, [---] engagements


"@MacNeillPatrick $UPST is a tech company or a funding driven financial company Every stakeholder needs to understand it clearly"  
[X Link](https://x.com/Blood_space0222/status/2016376165875978351)  2026-01-28T05:01Z [--] followers, [--] engagements


"$UPST Just find a possible rule for the price at ER day. The FV and adjustment/Revenue from Fee can explain the movement of price. In 24Q2-25Q1 this ratio down a lot but 25Q3-Q4 the ratio goes up significantly. Especially at 25Q1 there is a big down before ER but jump after ER"  
[X Link](https://x.com/anyuser/status/2020363316322005140)  2026-02-08T05:05Z [--] followers, [----] engagements


"The reason: FV and adjustment explains overall loan quality originated by UPST. The ratio displayed the quality of loan and core revenue growth relationship"  
[X Link](https://x.com/anyuser/status/2020364127764705576)  2026-02-08T05:08Z [--] followers, [---] engagements


"$UPST ER is good. Some details: [--]. Super prime on personal loan +18% [--]. loan on B/S -20% [--]. Auto&Heloc super raise [--]. [--] more funding partners in [--]. [--]. Co-invest [---] to [---] +17% [--]. FV and adjustment [-----] to [-----] -26% [--]. 1.4B revenue +40% in [--] With mgmt change. bullish"  
[X Link](https://x.com/anyuser/status/2021389678965141671)  2026-02-11T01:03Z [--] followers, [---] engagements


"@goddreng10 @paulxgu I am so sure UPST Mgmt will do something to support price. All conference call content made me feel that intention. Paul wants to make USPT a great company"  
[X Link](https://x.com/Blood_space0222/status/2021766303409975383)  2026-02-12T02:00Z [--] followers, [--] engagements


"Two things $UPST shareholder should note: [--]. 1st of March UPST will release monthly transaction volume. it will show progress of the first two months in [--] [--]. The summer of [--] NT new office will be in use for capital management and institutional partnerships and loan sale"  
[X Link](https://x.com/anyuser/status/2021956781879284085)  2026-02-12T14:37Z [--] followers, [---] engagements


"I was planning to go through the ER again but @HenryInvests always delivers. This part where Sanjay is talking about their new efforts in HOME/AUTO attracting the interest of larger institutions. In his new role he can pursue deals like this as his full time job. A partnership with a large institution that can benefit from the best AI lending model in the market would be huge for $UPST. I bought yesterday i bought today and will continue to accumulate at these levels. The valuation here for $UPST is dirt cheap"  
[X Link](https://x.com/anyuser/status/2022396925018833278)  2026-02-13T19:46Z [---] followers, [----] engagements


"Two things $UPST shareholder should note: [--]. 1st of March UPST will release monthly transaction volume. it will show progress of the first two months in [--] [--]. The summer of [--] NT new office will be in use for capital management and institutional partnerships and loan sale"  
[X Link](https://x.com/anyuser/status/2021956781879284085)  2026-02-12T14:37Z [--] followers, [---] engagements


"They guided for EPS of [----] and delivered [----]. Not sure why everyone is so upset about this beat 🤔. Some posts on X are saying the expected EPS was [----] but that they are confusing ADJUSTED EPS with EPS. With that being said UPST only delivered [----] adjusted EPS - missing expectations by [----] 😢. Its worth noting that [----] EPS delivered in Q3 was largely due to a one-time $7.25 million credit they received for repayment of a note. Admittedly they did spend an additional $12 million on sales/marketing and $7 million on general admin while only generating an additional [--] million in revenue."  
[X Link](https://x.com/anyuser/status/2021736515173249151)  2026-02-12T00:02Z [---] followers, [--] engagements


"$UPST ER is good. Some details: [--]. Super prime on personal loan +18% [--]. loan on B/S -20% [--]. Auto&Heloc super raise [--]. [--] more funding partners in [--]. [--]. Co-invest [---] to [---] +17% [--]. FV and adjustment [-----] to [-----] -26% [--]. 1.4B revenue +40% in [--] With mgmt change. bullish"  
[X Link](https://x.com/anyuser/status/2021389678965141671)  2026-02-11T01:03Z [--] followers, [---] engagements


"The EPS drop because more mkt expense and General administrative expenses"  
[X Link](https://x.com/anyuser/status/2021391205976899931)  2026-02-11T01:09Z [--] followers, [--] engagements


"RT @qinbafrank: coinbase"  
[X Link](https://x.com/anyuser/status/2021039948426772599)  2026-02-10T01:54Z [--] followers, [--] engagements


"coinbase 22CLARITY/ 22CLARITY/"  
[X Link](https://x.com/anyuser/status/2021032003626467825)  2026-02-10T01:22Z 108.5K followers, 37.5K engagements


"22CLARITY/ payment stablecoinsCoinbase 1CoinbaseCircleRippleKrakenPaxosTetherBlockchain Association [--] [--] 3DeFi 4CoinbaseUSDC2025Q356% [--] [--] 2ABA [--] Andrew Nigrinis [--] ICBA1.38500Nigrinis6%2500 [--] BPI2008 [--] SEC  http://bitget.com/markets/stocks http://bitget.com/markets/stocks"  
[X Link](https://x.com/anyuser/status/2018865465498746958)  2026-02-04T01:53Z 108.5K followers, 96.1K engagements


"$UPST Just find a possible rule for the price at ER day. The FV and adjustment/Revenue from Fee can explain the movement of price. In 24Q2-25Q1 this ratio down a lot but 25Q3-Q4 the ratio goes up significantly. Especially at 25Q1 there is a big down before ER but jump after ER"  
[X Link](https://x.com/anyuser/status/2020363316322005140)  2026-02-08T05:05Z [--] followers, [----] engagements


"Numbers are from 25Q3 presentation"  
[X Link](https://x.com/anyuser/status/2020364684155904138)  2026-02-08T05:10Z [--] followers, [---] engagements


"The reason: FV and adjustment explains overall loan quality originated by UPST. The ratio displayed the quality of loan and core revenue growth relationship"  
[X Link](https://x.com/anyuser/status/2020364127764705576)  2026-02-08T05:08Z [--] followers, [---] engagements


"White collar jobs opening to unemployed fell sharply. And despite the high layoff announcements in January so far they are largely contained in a 3-4 sectors. h/t @atanzi and Eliza Winger"  
[X Link](https://x.com/anyuser/status/2019635779060867534)  2026-02-06T04:54Z 77.2K followers, 35.4K engagements


"RT @zhangtaoSG: $UPST Based on this piece + the companys recent hiring signals I think theyre close to launching a credit-card competing"  
[X Link](https://x.com/anyuser/status/2016099851470307821)  2026-01-27T10:43Z [--] followers, [--] engagements


"$UPST Based on this piece + the companys recent hiring signals I think theyre close to launching a credit-card competing revolving loan product likely membership/subscription-based. The pitch is simple: compete on APR + transparency not rewards. https://t.co/71tvLmAE8a https://t.co/71tvLmAE8a"  
[X Link](https://x.com/anyuser/status/2016099649145495789)  2026-01-27T10:43Z [----] followers, 13.8K engagements


"Free markets would lower credit card prices if they competed on price President Trump recently riled markets by proposing to cap credit card interest rates at 10%. Businesspeople and economists widely responded by pointing out the failings of price controls and rallying http://x.com/i/article/2015579333163945984 http://x.com/i/article/2015579333163945984"  
[X Link](https://x.com/anyuser/status/2015793814074720614)  2026-01-26T14:27Z [----] followers, 12.4K engagements


"https://t.co/uNkJiwLXao https://t.co/uNkJiwLXao"  
[X Link](https://x.com/anyuser/status/2013850757209174029)  2026-01-21T05:46Z [--] followers, [--] engagements


"Once in a lifetime President"  
[X Link](https://x.com/anyuser/status/2011252799099846741)  2026-01-14T01:43Z 179.6K followers, 1.3M engagements


"https://t.co/CJCfbyPB2o  https://t.co/CJCfbyPB2o"  
[X Link](https://x.com/anyuser/status/2010576105196159233)  2026-01-12T04:54Z [--] followers, [--] engagements


"Video message from Federal Reserve Chair Jerome H. Powell: https://www.federalreserve.gov/newsevents/speech/powell20260111a.htm https://www.federalreserve.gov/newsevents/speech/powell20260111a.htm"  
[X Link](https://x.com/anyuser/status/2010510130970849338)  2026-01-12T00:32Z 1.4M followers, 89.6M engagements


"Best clip youll watch today 10/10"  
[X Link](https://x.com/anyuser/status/2010380655205720233)  2026-01-11T15:57Z 122.3K followers, 465.8K engagements


"I strongly suspect the whole 10% cap wont happen given it would likely cause a massive recession. If it did next question is whether it applies to all unsecured lending. That seems even far more unlikely given very ugly repercussions for our economy. if not the card cap could be a massive boost to unsecured lending as an alternative way to borrow. if so it would significantly limit who we could lend to. i put that at far less than 1% likelihood. Now were talking Great Recession. Regardless i dont see any reason it would impact our funding. in fact wed likely be swimming in it"  
[X Link](https://x.com/anyuser/status/2010066990866833517)  2026-01-10T19:11Z 22.3K followers, 33.4K engagements

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