# ![@tweets4uall Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::38980269.png) @tweets4uall Tweets4UAll

Tweets4UAll posts on X about $upst, $sofi, balance sheet, fintech the most. They currently have [-----] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::38980269/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::38980269/c:line/m:interactions.svg)

- [--] Week [------] +69%
- [--] Month [------] +51%
- [--] Months [-------] +220%
- [--] Year [-------] +2,260%

### Mentions: [--] [#](/creator/twitter::38980269/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::38980269/c:line/m:posts_active.svg)

- [--] Week [--] +59%
- [--] Month [--] +48%
- [--] Months [---] +1,211%
- [--] Year [---] +184%

### Followers: [-----] [#](/creator/twitter::38980269/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::38980269/c:line/m:followers.svg)

- [--] Week [-----] +0.04%
- [--] Month [-----] +0.10%
- [--] Months [-----] +0.32%
- [--] Year [-----] -0.46%

### CreatorRank: [---------] [#](/creator/twitter::38980269/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::38980269/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [cryptocurrencies](/list/cryptocurrencies)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [automotive brands](/list/automotive-brands)  [exchanges](/list/exchanges)  [celebrities](/list/celebrities)  [travel destinations](/list/travel-destinations)  [us election](/list/us-election) 

**Social topic influence**
[$upst](/topic/$upst) #19, [$sofi](/topic/$sofi), [balance sheet](/topic/balance-sheet), [fintech](/topic/fintech), [$hood](/topic/$hood), [short interest](/topic/short-interest), [ceo](/topic/ceo), [business](/topic/business), [debt](/topic/debt), [$afrm](/topic/$afrm)

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@datadinvesting](/creator/undefined) [@davegirouard](/creator/undefined) [@goddreng10](/creator/undefined) [@kourtneygans](/creator/undefined) [@truflation](/creator/undefined) [@funofinvesting](/creator/undefined) [@drelidavid](/creator/undefined) [@stockmarketnerd](/creator/undefined) [@perchlittle](/creator/undefined) [@shazigoalie](/creator/undefined) [@magnussigurdss](/creator/undefined) [@upstart](/creator/undefined) [@billackman](/creator/undefined) [@grok](/creator/undefined) [@bradsferguson](/creator/undefined) [@joshmoe7](/creator/undefined) [@elonmusk](/creator/undefined) [@paulg](/creator/undefined) [@michael00976470](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [RAI Finance (SOFI)](/topic/$sofi) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Block, Inc. (SQ)](/topic/$sq) [Solana (SOL)](/topic/solana) [Ethereum (ETH)](/topic/ethereum) [Treehouse (TREE)](/topic/$tree) [Bitcoin (BTC)](/topic/bitcoin) [Tesla, Inc. (TSLA)](/topic/$tsla) [MercadoLibre Inc (MELI)](/topic/$meli) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [New York Community Bancorp, Inc. (NYCB)](/topic/$nycb) [Shopify Inc (SHOP)](/topic/$shop) [PagSeguro Digital Ltd. (PAGS)](/topic/$pags) [GameStop, Corp. (GME)](/topic/$gme) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Mario Coin (COIN)](/topic/$coin) [BlackRock Inc (BLK)](/topic/blackrock) [tobi (TOBI)](/topic/tobi) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Morgan Stanley (MS)](/topic/morgan-stanley) [Bank of America (BAC)](/topic/bank-of-america)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$SOFI New analyst rating today downgraded stock to $4.00"  
[X Link](https://x.com/tweets4uall/status/1726673646704578586)  2023-11-20T18:47Z [----] followers, [---] engagements


"$SOFI Triple witching day tomorrow gonna reach $11"  
[X Link](https://x.com/tweets4uall/status/1735477168665207011)  2023-12-15T01:49Z [----] followers, [---] engagements


"@DataDInvesting FOMC in [--] days either we lose this streak or breakout bigger"  
[X Link](https://x.com/tweets4uall/status/1751984197412049053)  2024-01-29T15:02Z [----] followers, [---] engagements


"$SOFI yields up and $NYCB fallout pushing $SOFI lower"  
[X Link](https://x.com/tweets4uall/status/1755241587926290819)  2024-02-07T14:46Z [----] followers, [---] engagements


"Bitcoin #btc to 100K #crypto"  
[X Link](https://x.com/tweets4uall/status/1764893363952562392)  2024-03-05T05:59Z [----] followers, [--] engagements


"@JoshMoe7 Rate environment is not favourable yet. It's clear they are doing this as their risk profile is too high from rising defaults. Sounds like trouble if current cash flows can't cover debt obligations especially since they have risk sharing agreements on defaults"  
[X Link](https://x.com/tweets4uall/status/1765072093799235994)  2024-03-05T17:49Z [----] followers, [--] engagements


"BREAKING NEWS: $SOFI CTO sells [------] shares at $910674.03 market value"  
[X Link](https://x.com/tweets4uall/status/1768718345476489468)  2024-03-15T19:18Z [----] followers, [---] engagements


"$SOFI price targets according to analysts:"  
[X Link](https://x.com/tweets4uall/status/1770880697957306811)  2024-03-21T18:30Z [----] followers, [---] engagements


"@DataDInvesting $SOFI's AI offering is weak as it's just to manage risk on the backend they should be integrating it onto the frontend with portfolio and finance management for clients at the minimum"  
[X Link](https://x.com/tweets4uall/status/1771715442832224362)  2024-03-24T01:47Z [----] followers, [---] engagements


"@elonmusk @paulg 100K in [----] = 768K in [----]. This is a distortion of facts and further points to a dying middle class. As for capital allocation given the ease of access to capital markets hedge funds lower interest loans compared to [----] it is far easier to be an entrepreneur than then"  
[X Link](https://x.com/tweets4uall/status/1772725364940214275)  2024-03-26T20:40Z [----] followers, [--] engagements


"@FunOfInvesting $HOOD is betting on rate cuts so they can grow their business without worrying about profitability while $SOFI is betting on the opposite and limiting their growth by pursuing profitability. It's going to be interesting to see who will be right going forward"  
[X Link](https://x.com/tweets4uall/status/1772851979812835479)  2024-03-27T05:03Z [----] followers, [---] engagements


"@DataDInvesting Buying $TSLA right now would be like buying a falling knife. I agree that long term it's a good investment but not right now. They will miss earnings. It's best to wait near the first rate cut. Right now bad news for Tesla has only begun"  
[X Link](https://x.com/tweets4uall/status/1775214170402635875)  2024-04-02T17:30Z [----] followers, [---] engagements


"WhatsApp is back online ✅ #WhatsApp #whatsappdown"  
[X Link](https://x.com/tweets4uall/status/1775594108796453258)  2024-04-03T18:39Z [----] followers, [---] engagements


"Fintech #stocks YTD $COIN $256.25 (+63.34%) 📈 $HOOD $18.82 (+51.98%) 📈 $SQ $77.54 (+7.37%) 📈 $PYPL $65.98 (+7.36%) 📈 $SOFI $7.52 (-21.97%) 📉 $UPST $26.00 (-32.98%) 📉 $AFRM $33.32 (-28.50%) 📉"  
[X Link](https://x.com/tweets4uall/status/1775939419817627662)  2024-04-04T17:32Z [----] followers, [--] engagements


"$SOFI President Joe Biden will announce on Monday his plans to cancel student debt for more than [--] million Americans by this fall per Reuters President Joe Biden will announce on Monday his plans to cancel student debt for more than [--] million Americans by this fall per Reuters"  
[X Link](https://x.com/tweets4uall/status/1777369413076877429)  2024-04-08T16:14Z [----] followers, [---] engagements


"$SOFI Sold [----] shares today before the dip. Waiting for PPI tomorrow to make more moves"  
[X Link](https://x.com/tweets4uall/status/1778166920170066305)  2024-04-10T21:03Z [----] followers, [---] engagements


"Global GDP growth interest rate inflation rate jobless rate and DEBT/GDP. #usa #canada #china #japan #germany #india #uk #france #russia #italy #brazil #economics"  
[X Link](https://x.com/tweets4uall/status/1778272230872436986)  2024-04-11T04:01Z [----] followers, [--] engagements


"@Michael00976470 @FunOfInvesting Whenever Dan Dolev is happy it's a sign of a bull-run for $SOFI. In May [----] he called that the end of the student loan moratorium would be bullish for $SOFI before the market noticed and the stock skyrocketed. https://youtu.be/YTvR3BAhiWAt=89 https://youtu.be/YTvR3BAhiWAt=89"  
[X Link](https://x.com/tweets4uall/status/1778952586801860941)  2024-04-13T01:05Z [----] followers, [---] engagements


"@DataDInvesting Doesn't this have massive implications to $SOFI"  
[X Link](https://x.com/tweets4uall/status/1779198329173192767)  2024-04-13T17:21Z [----] followers, [---] engagements


"@DataDInvesting Wouldn't be surprised if stock dips to $125 after earnings. Might even hit $100 if we enter a bear market from no rate cuts this year. $TSLA desperately needs rate cuts to fight declining sales"  
[X Link](https://x.com/tweets4uall/status/1780459010593817001)  2024-04-17T04:51Z [----] followers, [--] engagements


"$SOFI I'm ready for Monday earnings got $420917.81 (53740 shares) at stake"  
[X Link](https://x.com/tweets4uall/status/1784043411969921507)  2024-04-27T02:14Z [----] followers, [---] engagements


"@Bret_Sears @PierrePoilievre @JustinTrudeau What a disaster. The problem with immigration has been that they are aren't targeting the labour shortages to bring in the people we need. Instead they brought in mass immigration and drove up the unemployment rate to 6.1% while there are still labour shortages. Such a failure"  
[X Link](https://x.com/tweets4uall/status/1784441823806562803)  2024-04-28T04:37Z [----] followers, [--] engagements


"$SOFI Anthony Noto was on CNBC this morning after the earnings call. Stock is down 10% now since the open"  
[X Link](https://x.com/tweets4uall/status/1784971276819316855)  2024-04-29T15:41Z [----] followers, [---] engagements


"Fintech Earnings Dates: Square $SQ - May [--] MercadoLibre $MELI - May [--] Robinhood $HOOD - May [--] Shopify $SHOP - May [--] StoneCo $STNE - May [--] PagBank $PAGS - May 23"  
[X Link](https://x.com/tweets4uall/status/1785849199625420917)  2024-05-02T01:50Z [----] followers, [---] engagements


"Ready for Square $SQ earnings"  
[X Link](https://x.com/tweets4uall/status/1786122232818717041)  2024-05-02T19:54Z [----] followers, [---] engagements


"I had a look at a sample of [---] condos sold in Toronto (May 3-10). 59% (142) were closed under the asking price. They were sold at an avg of 3.4% less than asking price. The other [--] condos were sold at an avg of 7.2% above the asking price. Raw data: https://pastebin.com/gVfXrLEn https://pastebin.com/gVfXrLEn"  
[X Link](https://x.com/tweets4uall/status/1789886538915909670)  2024-05-13T05:13Z [----] followers, [--] engagements


"GameStop ($GME) is back Let's gooo Roaring Kitty"  
[X Link](https://x.com/tweets4uall/status/1790031040192352606)  2024-05-13T14:47Z [----] followers, [--] engagements


"Fintech #stocks YTD report: $HOOD [-----] USD (62.33%) 📈 $COIN [------] USD (32.33%) 📈 $MELI [-------] USD (14.39%) 📈 $PYPL [-----] USD (4.91%) 📈 $SQ [-----] USD (0.06%) 📈 $STNE [-----] USD (-17.20%) 📉 $SOFI [----] USD (-24.56%) 📉 $UPST [-----] USD (-34.51%) 📉"  
[X Link](https://x.com/tweets4uall/status/1791883613081932025)  2024-05-18T17:28Z [----] followers, [--] engagements


"#Canada to report CPI #inflation on May 21st. The consensus is 2.8%. Unemployment currently at 6.1% with a GDP growth of 0.2%. Canada has avoided a technical recession through mass immigration fuelling spending. 47% of Canadians continue to live paycheque to paycheque"  
[X Link](https://x.com/tweets4uall/status/1791885539781623908)  2024-05-18T17:36Z [----] followers, [---] engagements


"@WallStreetSilv They are going to get replaced anyway whether minimum wage is $10 or $30 AI and robotics can do it cheaper so more power to them to take advantage while they still can"  
[X Link](https://x.com/tweets4uall/status/1791890328980480085)  2024-05-18T17:55Z [----] followers, [---] engagements


"Iranians celebrate in streets of Tehran as President Raisi a dictator is killed in a helicopter crash. A weaker regime gives hope to Iranian freedom. #Iran"  
[X Link](https://x.com/tweets4uall/status/1792378018255843699)  2024-05-20T02:13Z [----] followers, [----] engagements


"@MOSSADil [--] for [--] special today Iranians are enjoying this sale on their hopes for freedom"  
[X Link](https://x.com/tweets4uall/status/1792384946570514693)  2024-05-20T02:40Z [----] followers, [--] engagements


"@unusual_whales Iranians celebrating in the streets of Tehran tonight One less dictator"  
[X Link](https://x.com/tweets4uall/status/1792390688883023935)  2024-05-20T03:03Z [----] followers, [----] engagements


"The Century Initiative in Canada aims to increase the population to [---] million by [----]. Corporate lobbyist groups are pushing this agenda through the Trudeau government. Board members include senior executives of BlackRock Cisco SunLife and World Economic Forum. Immigration agenda is to push corporate interests not the interest of citizens. #canada #immigration #massimmigration #trudeau #poilievre https://en.wikipedia.org/wiki/Century_Initiative https://en.wikipedia.org/wiki/Century_Initiative"  
[X Link](https://x.com/tweets4uall/status/1794809331386306719)  2024-05-26T19:14Z [----] followers, [--] engagements


"@LPNational @ChaseForLiberty Libertarian Party have chosen to finish third in the presidential race"  
[X Link](https://x.com/tweets4uall/status/1794935270036688933)  2024-05-27T03:34Z [----] followers, [---] engagements


"$SOFI position update (55740 shares) I will be adding more shares soon"  
[X Link](https://x.com/tweets4uall/status/1802454851978248446)  2024-06-16T21:34Z [----] followers, [---] engagements


"@KyleWhiteGOAT Giuliano would be right if it wasn't for those meddling kids at the FED which plan for rate cuts in 2025"  
[X Link](https://x.com/tweets4uall/status/1803203866865140036)  2024-06-18T23:11Z [----] followers, [--] engagements


"@thexcapitalist It can but again the first rate cut is still an unknown as to when and how many rate cuts until [----] is still up in the air. Also as they indicated in the earnings call they are scaling back on their lending due to this environment"  
[X Link](https://x.com/tweets4uall/status/1803806450013061456)  2024-06-20T15:05Z [----] followers, [---] engagements


"Trump arrives for [----] CNN Presidential debate with Biden. #trump #biden #CNNDebate #debate2024 #PresidentialDebate #election2024"  
[X Link](https://x.com/tweets4uall/status/1806480431115845749)  2024-06-28T00:11Z [----] followers, [--] engagements


"Trump vs Biden on border crisis #trump #biden #DebateNight #election2024 #Debates2024"  
[X Link](https://x.com/tweets4uall/status/1806509784859828541)  2024-06-28T02:07Z [----] followers, [---] engagements


"$SOFI is a dead stock they said. Who's laughing now I wanted to thank Jim Cramer for setting the bottom for us"  
[X Link](https://x.com/tweets4uall/status/1813265916420903124)  2024-07-16T17:34Z [----] followers, [--] engagements


"@CP24 Do you mean Toronto's community Most of us are underhoused or is it the homeless community 🤔"  
[X Link](https://x.com/tweets4uall/status/1867230613289205940)  2024-12-12T15:30Z [----] followers, [--] engagements


"@tobi @tobi Malls are privately owned. What is acceptable or not acceptable is according to the business. Typically security would shut down any disruption to business especially in malls. Cadillac Fairview needs to answer this rather than the mayor. This is not a public space"  
[X Link](https://x.com/tweets4uall/status/1872877245259497647)  2024-12-28T05:28Z [----] followers, [---] engagements


"$SOFI over the course of [--] months has been based on hype. This correction is just the beginning. They have not provided anything to their platform to support this valuation. I've been investing heavilyin SOFI since the the 6-7 range and sold it at [--]. I've seen all these swings"  
[X Link](https://x.com/tweets4uall/status/1874887493071589813)  2025-01-02T18:36Z [----] followers, [--] engagements


"Mark Carney was a informal economic advisor to Trudeau helping him craft a covid19 recovery plan. Trudeau most likely followed Carney's playbook on carbon tax economics and immigration leading to the disaster we have now. He was no outsider Source: https://financialpost.com/news/economy/trudeau-taps-carney-for-help-in-crafting-covid-19-recovery-plan https://financialpost.com/news/economy/trudeau-taps-carney-for-help-in-crafting-covid-19-recovery-plan"  
[X Link](https://x.com/tweets4uall/status/1879650374073905410)  2025-01-15T22:02Z [----] followers, [--] engagements


"@TokiBusa "Ethereum" is slow. Literally took me 15mins to send and receive my eth in coinbase vs solana still waiting 3+ hours"  
[X Link](https://x.com/tweets4uall/status/1881142218272252303)  2025-01-20T00:50Z [----] followers, [---] engagements


"Ethereum is now worst top [--] crypto performing asset on a [--] day basis while Solana is best top 5"  
[X Link](https://x.com/tweets4uall/status/1882156129884811383)  2025-01-22T19:59Z [----] followers, [--] engagements


"Ethereum rallying fast Gaining momentum against Bitcoin and Solana #crypto"  
[X Link](https://x.com/tweets4uall/status/1882561231594332544)  2025-01-23T22:49Z [----] followers, [--] engagements


"@PapiTrumpo Says the guy who supports the guy who was best friends with Epstein"  
[X Link](https://x.com/tweets4uall/status/1924871549770776992)  2025-05-20T16:55Z [----] followers, 53.4K engagements


"@nyneuropsych @DrEliDavid He's not in-charge. He's a puppet under Khamenei. He has no authority. He's been put there so the regime can pretend they have a "democracy""  
[X Link](https://x.com/tweets4uall/status/1934968997562188252)  2025-06-17T13:38Z [----] followers, [--] engagements


"@DrEliDavid He's not in-charge. He's a puppet under Khamenei. He has no authority. He's been put there so the regime can pretend they have a "democracy""  
[X Link](https://x.com/tweets4uall/status/1934969111555321899)  2025-06-17T13:39Z [----] followers, [--] engagements


"@HenryInvests Short interest: $OPEN 20.73% $UPST 25.52% $SOFI 14.04% We are overdue for a squeeze compared to interest rate sensitive peers"  
[X Link](https://x.com/tweets4uall/status/1945614854644981860)  2025-07-16T22:41Z [----] followers, [---] engagements


"@HenryInvests Rate cuts still uncertain with tarrifs. That's the ultimate catalyst"  
[X Link](https://x.com/tweets4uall/status/1946308373101658420)  2025-07-18T20:37Z [----] followers, [--] engagements


"$UPST at [--] before interest rate cuts"  
[X Link](https://x.com/tweets4uall/status/1948112144064561232)  2025-07-23T20:05Z [----] followers, [---] engagements


"LendingTree (TREE) just gave their preliminary Q2 results and raised guidance stock is up 12% after hours. This is a very bullish sign for $UPST in their upcoming earnings. https://www.stocktitan.net/news/TREE/lendingtree-provides-preliminary-second-quarter-results-and-revised-bhrwtsqxadvw.html https://www.stocktitan.net/news/TREE/lendingtree-provides-preliminary-second-quarter-results-and-revised-bhrwtsqxadvw.html"  
[X Link](https://x.com/tweets4uall/status/1948219124405964990)  2025-07-24T03:10Z [----] followers, [---] engagements


"$UPST Upstart Announces Upsize and Pricing of Offering of $600000000 of 0% Convertible Senior Notes Due [----] Conversion price of $82.50 at a premium of 30% to the last reported sale price of $63.46. The price of the capped call transactions is $126.92. https://ir.upstart.com/news-releases/news-release-details/upstart-announces-upsize-and-pricing-offering-600000000-0 https://ir.upstart.com/news-releases/news-release-details/upstart-announces-upsize-and-pricing-offering-600000000-0"  
[X Link](https://x.com/tweets4uall/status/1955126513436668092)  2025-08-12T04:37Z [----] followers, [----] engagements


"@HenryInvests Considering they are were the biggest bull in ratings I wonder what they would have priced $UPST at if there was no offering of shares as others gave buy ratings of $90-100 before yesterday's news"  
[X Link](https://x.com/tweets4uall/status/1955265650886090960)  2025-08-12T13:50Z [----] followers, [---] engagements


"@truflation @CMEGroup Truinflation is such a joke right after PPI numbers they realize their data is completely inaccurate. Just a political hoax with no actual data backing their thesis"  
[X Link](https://x.com/tweets4uall/status/1957819753944195088)  2025-08-19T14:59Z [----] followers, [--] engagements


"@3e3dev @truflation Truinflation is a political hoax. Can't trust anything they say"  
[X Link](https://x.com/tweets4uall/status/1957921349013291249)  2025-08-19T21:43Z [----] followers, [--] engagements


"@DataDInvesting $SOFI is a small bank $UPST is fintech. Once $UPST offloads their balance sheet it will fly higher. Unfortunately once $HOOD builds out banking day-to-day essentials $SOFI won't be able to compete against it. $SOFI is following a "jack of all trades master of none" model"  
[X Link](https://x.com/tweets4uall/status/1958196055717114079)  2025-08-20T15:54Z [----] followers, [----] engagements


"@DataDInvesting [--]. $UPST is doing what $SOFI did in '24 with the notes (with better deal @ 0%) to retire old debt & help fuel growth while looking for deals. [--]. Growth rates matter $UPST just started the cycle. $SOFI grew 30% in Q2 lending $UPST grew 102% so wait until '26 to fill the chart"  
[X Link](https://x.com/tweets4uall/status/1958219093154119858)  2025-08-20T17:26Z [----] followers, [---] engagements


"@DataDInvesting [--]. $SOFI doesn't have any tech advantage over $HOOD. UI + tech products still outdated. Missed on the biggest crypto cycle by abandoning that business last year and now bitting the bullet. $HOOD does tech better and will be the leader in the fintech space when rolling out banking"  
[X Link](https://x.com/tweets4uall/status/1958220579502260567)  2025-08-20T17:32Z [----] followers, [---] engagements


"@DataDInvesting [--]. The market is bigger for everyone to grow but the best ones will grow much faster than competitors. This is why you are in $SOFI vs legacy banks. Both are growing but growth rates ultimately matter"  
[X Link](https://x.com/tweets4uall/status/1958220851255423042)  2025-08-20T17:33Z [----] followers, [---] engagements


"@therickrayburn @JimChuong It's all SSD might as well live in Vancouver or Toronto since it's a economic hub"  
[X Link](https://x.com/tweets4uall/status/1963443010688954638)  2025-09-04T03:24Z [----] followers, [--] engagements


"@CryptoHitmann @truflation @pulte @JoeSquawk @APompliano @LynAldenContact @LukeGromen @RaoulGMI @FedGuy12 @EricLDaugh Truflation said it was rising last week 🤣"  
[X Link](https://x.com/tweets4uall/status/1963742829521559642)  2025-09-04T23:15Z [----] followers, [--] engagements


"The end of $SOFI begins Weve begun rolling out Robinhood Banking to the first set of external customers. The team is cranking Robinhood is a financial technology company not a bank. Banking services are provided by Coastal Community Bank Member FDIC. https://t.co/sNfo9feYXT Weve begun rolling out Robinhood Banking to the first set of external customers. The team is cranking Robinhood is a financial technology company not a bank. Banking services are provided by Coastal Community Bank Member FDIC. https://t.co/sNfo9feYXT"  
[X Link](https://x.com/tweets4uall/status/1971671695229620551)  2025-09-26T20:22Z [----] followers, [---] engagements


"@ericjackson Meanwhile you hide behind the fact that you had a long position in $UPST and then removed it from your profile after a couple of weeks later when the stock tanked without any mention and thought no one would notice. Credibility is what counts"  
[X Link](https://x.com/tweets4uall/status/1972360363569254677)  2025-09-28T17:58Z [----] followers, [---] engagements


"@StockMarketNerd Before you continue your narrative of misinformation why don't you read further down in BTIG statement rather than just the headline as they mention this is currently a industry trend rather than singling out $UPST:"  
[X Link](https://x.com/tweets4uall/status/1972699689977045115)  2025-09-29T16:27Z [----] followers, [---] engagements


"@PerchLittle @davegirouard Management doesnt comment on stock price movements its focused on business and execution"  
[X Link](https://x.com/tweets4uall/status/1972744524893200854)  2025-09-29T19:25Z [----] followers, [---] engagements


"$UPST NY FED report: The average perceived probability of missing a minimum debt payment over the next three months decreased by [---] percentage point to 12.6% remaining well below the trailing 12-month average of 13.5%"  
[X Link](https://x.com/tweets4uall/status/1975634312310800744)  2025-10-07T18:48Z [----] followers, [----] engagements


"The difference between $UPST and $SOFI in Trustpilot reviews is so wide that it makes no sense why people continue to believe $SOFI has anything better to offer. $UPST for better loans $HOOD for better finance. I've been seeing A LOT of the below lately. $UPST has for sure built loyal and returning customers directly to the platform. This lowers CAC dramtically. Institutions i loading heavily and retail is selling. I might sell 5% at $200 in [----]. https://t.co/VMlpIeR2Im I've been seeing A LOT of the below lately. $UPST has for sure built loyal and returning customers directly to the"  
[X Link](https://x.com/tweets4uall/status/1976373156865786160)  2025-10-09T19:44Z [----] followers, [---] engagements


"As of October [----] lending rates on $SOFI 8.99% - 35.49% (including all discounts) $UPST 6.70% - 35.99% It's clear who has the better rate for people with fair to better credit scores the margin is huge. https://www.bankrate.com/loans/personal-loans/rates/ http://bankrate.com https://www.bankrate.com/loans/personal-loans/rates/ http://bankrate.com"  
[X Link](https://x.com/tweets4uall/status/1976377446015639872)  2025-10-09T20:01Z [----] followers, [---] engagements


"@DataDInvesting LLM's can pretty much do this already with some priming. Once people catch up with how to use LLM's effectively the value proposition of $DOUL disappears"  
[X Link](https://x.com/CaptTweetz/status/1963288085753729280)  2025-09-03T17:08Z [----] followers, [---] engagements


"@Captain_C2 @ShaziGoalie RBI and Yum Brands are the biggest offender of LMIA. They own KFC Tim Hortons Wendy's Popeyes Taco Bell Burger King you name it"  
[X Link](https://x.com/tweets4uall/status/1974164672866898182)  2025-10-03T17:28Z [----] followers, [--] engagements


"$UPST has 5X more TrustPilot reviews than $SOFI at a near perfect review score while $SOFI continues to drop on the experience front It's clear who offers the better service for loans"  
[X Link](https://x.com/tweets4uall/status/1976375277799584019)  2025-10-09T19:52Z [----] followers, [----] engagements


"$UPST being rewarded from bank earnings showing lower credit risk than expected"  
[X Link](https://x.com/tweets4uall/status/1978105556997902731)  2025-10-14T14:28Z [----] followers, [----] engagements


"$UPST UMI came slightly down from [----] to [----] this morning looks promising as bank earnings from this morning too showing good credit quality"  
[X Link](https://x.com/tweets4uall/status/1978491610372378704)  2025-10-15T16:02Z [----] followers, [----] engagements


"$UPST CEO has been selling 41.6K shares for the past [--] months (Jul 15th Aug 15th Sep 15th). This is inline with a previous Rule 10b5-1 plan from [----]. If he sold shares again on Oct 15th we should see a SEC filing by tonight. Let's see if he paused. 🙏 https://ir.upstart.com/node/12151/html https://ir.upstart.com/node/12151/html"  
[X Link](https://x.com/tweets4uall/status/1979297237609123960)  2025-10-17T21:23Z [----] followers, [----] engagements


"$UPST if you are worried about the stock falling off a cliff just remember this is highly volatile. All it takes is [--] good earnings to dismiss investor fears. When UPST reported Q3 [--] on Nov 7th [----] the stock jumped 32% the next day. I expect the same at least by Q4 earnings"  
[X Link](https://x.com/tweets4uall/status/1979608616194990514)  2025-10-18T18:00Z [----] followers, [----] engagements


"$UPST up 9% today Bottom's in"  
[X Link](https://x.com/tweets4uall/status/1980359206646821341)  2025-10-20T19:43Z [----] followers, [----] engagements


"@TheRayMyers You missed $UPST"  
[X Link](https://x.com/tweets4uall/status/1980513212593590680)  2025-10-21T05:55Z [----] followers, [---] engagements


"$UPST short interest rises to 34.09% from 30% earlier. Rising fast as we approach earnings. Setting up for a squeeze potential if earnings goes well"  
[X Link](https://x.com/tweets4uall/status/1982859292165452254)  2025-10-27T17:17Z [----] followers, [----] engagements


"$UPST shorts squeeze data on Squeeze Finder:"  
[X Link](https://x.com/tweets4uall/status/1983018452227957096)  2025-10-28T03:50Z [----] followers, [----] engagements


"@HenryInvests Great work particularly like the commendatory on the latest events of balance sheet and credit risk fears with info on the latest messages from investor relations and management at conferences/interviews"  
[X Link](https://x.com/tweets4uall/status/1983221249800032288)  2025-10-28T17:16Z [----] followers, [---] engagements


"@ShaziGoalie This could potentially be a family sale in order to take advantage of tax loss harvesting from "capital gains loss". This should be investigated to make sure it was a legitimate sale and not tax fraud"  
[X Link](https://x.com/tweets4uall/status/1983917420268966371)  2025-10-30T15:22Z [----] followers, [--] engagements


"$SOFI (SOFI) BEAT earnings ✅ stock up 184% YOY 📈 $TREE (Lending Tree) BEAT earnings ✅ stock up 21% YOY 📈 $LC (Lending Club) BEAT earnings ✅ stock up 21% YOY 📈 $UPST (Upstart) TBA earnings stock down -7% YOY 📉 $UPST undervalued if it's earnings go well next week"  
[X Link](https://x.com/tweets4uall/status/1983922927121649709)  2025-10-30T15:44Z [----] followers, [---] engagements


"$UPST Tomorrow two key data releases: [--]. Upstart Macro Index (UMI) update for September [--]. UPST Short Interest % update (from NASDAQ updated bi-monthly)"  
[X Link](https://x.com/tweets4uall/status/1983949457524695424)  2025-10-30T17:29Z [----] followers, [----] engagements


"$UPST In the last activity log for UMI personal savings rate being down 0.2% was mentioned. Bureau of Economic Analysis was expected to post their September update tomorrow morning but with Govt shutdown this data will be delayed. Let's see what UMI update will do without it"  
[X Link](https://x.com/tweets4uall/status/1983962517983654403)  2025-10-30T18:21Z [----] followers, [----] engagements


"@HenryInvests QQQ and SPY were down big which caused fintech to go down higher today. $SOFI and $AFRM were down 5-6% too"  
[X Link](https://x.com/tweets4uall/status/1983989812798615891)  2025-10-30T20:10Z [----] followers, [---] engagements


"$UPST UMI September Update: [----] - UMI decreased [----] from [----] in August. Positive news going into earnings"  
[X Link](https://x.com/tweets4uall/status/1984354263058075648)  2025-10-31T20:18Z [----] followers, [----] engagements


"$UPST earnings after the bell are you ready"  
[X Link](https://x.com/tweets4uall/status/1985795450343944543)  2025-11-04T19:45Z [----] followers, [----] engagements


"@RobinhoodApp $UPST earnings after the bell. It could be wild"  
[X Link](https://x.com/tweets4uall/status/1985795743710421058)  2025-11-04T19:46Z [----] followers, [---] engagements


"$UPST Balance sheet rises from R&D loans but expectations given in future quarters for reduced R&D balances"  
[X Link](https://x.com/tweets4uall/status/1985817691467190766)  2025-11-04T21:13Z [----] followers, [----] engagements


"@HenryInvests The earnings call made me very nervous about their main value prop AI. If you dont understand why your model put its foot on the break last quarter in underwriting how do you expect to make informed decisions on the business. They should be able to explain what happened"  
[X Link](https://x.com/tweets4uall/status/1985860533505990958)  2025-11-05T00:03Z [----] followers, [---] engagements


"$UPST earnings call transcript when model's conservatism was questioned. Looks like we are already seeing this "fix" in the higher number of trust pilot reviews in the past few days and lower UMI. What I hope they will do in the future is get faster insight on reasoning"  
[X Link](https://x.com/tweets4uall/status/1985927929428111740)  2025-11-05T04:31Z [----] followers, [----] engagements


"$UPST [--] Analyst ratings this morning: Morgan Stanley: Equal Weight ($70 - $45) Needham: Buy ($82 - $56) Bank of America: Buy ($81 - $71)"  
[X Link](https://x.com/tweets4uall/status/1986092360128663901)  2025-11-05T15:24Z [----] followers, [----] engagements


"@CletusClapton I think you heard it from the slide deck and in earnings call. There is nothing new but its also too early to call. For unsecured loans they usually get ratings from KBRA nothing seeing anything new for secured loans yet"  
[X Link](https://x.com/tweets4uall/status/1986206203509178833)  2025-11-05T22:57Z [----] followers, [--] engagements


"@DataDInvesting @MagnusSigurdss "no asset managers who want to buy subprime credit" 😂 [--] days later: https://x.com/faststocknewss/status/1986449015349911830 UPSTART ANNOUNCES $1.5B FORWARD-FLOW AGREEMENT WITH CASTLELAKE $UPST https://x.com/faststocknewss/status/1986449015349911830 UPSTART ANNOUNCES $1.5B FORWARD-FLOW AGREEMENT WITH CASTLELAKE $UPST"  
[X Link](https://x.com/tweets4uall/status/1986456839987310685)  2025-11-06T15:33Z [----] followers, [--] engagements


"@HenryInvests Assuming they actually purchase 1.5B evenly across [--] months that equates to about 125M. With [--] months left in the quarter that could be 250M. Although it's just a first deal it's not big enough to have impact on reducing Q4 balance sheet as they continue to add more R&D loans"  
[X Link](https://x.com/tweets4uall/status/1986463727118430328)  2025-11-06T16:00Z [----] followers, [--] engagements


"@stjoeclickc @MagnusSigurdss Yeah as if both parties would waste time to sign their third deal with a high number if they didnt have a track record of leveraging as much as they can 😂"  
[X Link](https://x.com/tweets4uall/status/1986465758407250076)  2025-11-06T16:08Z [----] followers, [--] engagements


"$UPST Short interest is now updated for the period ending Oct [--]. It now sits at 34.74% up from 34.09% from Oct [--]. Note this data release is before earnings so short interest would be higher for Nov. Next report will be for Nov [--] but released later as par NASDAQ reporting"  
[X Link](https://x.com/tweets4uall/status/1988637763231457490)  2025-11-12T15:59Z [----] followers, [----] engagements


"@StockMarketNerd $UPST it's going to have a massive awakening"  
[X Link](https://x.com/tweets4uall/status/1990972702321226142)  2025-11-19T02:37Z [----] followers, [---] engagements


"$UPST bought [---] shares this morning $39.35 bringing my total to [-----] shares. Committed to the game #thosewhostay"  
[X Link](https://x.com/tweets4uall/status/1993347531414421962)  2025-11-25T15:54Z [----] followers, [----] engagements


"@LEAPTRADER_ Definitely $UPST"  
[X Link](https://x.com/tweets4uall/status/1993366972336329065)  2025-11-25T17:11Z [----] followers, [---] engagements


"@HenryInvests @davegirouard [--] days left to the year. The probability of delivering atleast a first deal to what they said back in Q2 earnings call is starting to peak. Actions speak louder than words lets get it done"  
[X Link](https://x.com/tweets4uall/status/1993375634077200764)  2025-11-25T17:46Z [----] followers, [---] engagements


"@HenryInvests @davegirouard The continuation of the Castlelake agreement is giving them a bit of room. On the flip side there hasnt been a KBRA report on secured LOCs yet which either means they are using a different rating agency for them or still not ready yet for ratings"  
[X Link](https://x.com/tweets4uall/status/1993377010488606994)  2025-11-25T17:51Z [----] followers, [---] engagements


"$UPST Nov [--] Short Interest Update Published: Short interest is now 29.69%. Fell to [--------] shares short from 29590889"  
[X Link](https://x.com/tweets4uall/status/1993517517667799183)  2025-11-26T03:09Z [----] followers, [----] engagements


"@PerchLittle @Upstart Upstart is not a bank"  
[X Link](https://x.com/tweets4uall/status/1993544394419699826)  2025-11-26T04:56Z [----] followers, [--] engagements


"$UPST UMI October Update UMI improved significantly to [----] in October its lowest level since mid-summer [----] following the mid-1.5 range observed from July through September. Sept revised from [----] to [----]. Aug was revised from [----] to [----]. July remained at 1.55"  
[X Link](https://x.com/tweets4uall/status/1993793802776269172)  2025-11-26T21:27Z [----] followers, [----] engagements


"@HenryInvests @davegirouard I don't mind that Dave hasn't bought stock since we already got confirmation from Paul. I'm more concerned about forward looking statements that indicated R&D loans reduction before EOY from Q2 earnings call. There are [--] days left and I hope they deliver atleast a first deal"  
[X Link](https://x.com/tweets4uall/status/1994443801054629955)  2025-11-28T16:30Z [----] followers, [---] engagements


"$UPST seeing a great number of trustpilot reviews tonight for Dec [--]. The last week was very weak due to seasonality with holidays. Lets see if the growth gets stronger this month"  
[X Link](https://x.com/tweets4uall/status/1995696949815902297)  2025-12-02T03:30Z [----] followers, [----] engagements


"@HenryInvests Is this the same dip in the chart experienced during last year's Thanksgiving week"  
[X Link](https://x.com/tweets4uall/status/1995911380923228456)  2025-12-02T17:42Z [----] followers, [---] engagements


"@HolySmokas $UPST"  
[X Link](https://x.com/tweets4uall/status/1996308522280063130)  2025-12-03T20:00Z [----] followers, [---] engagements


"@HenryInvests I mean it seems like a last ditch BET if they don't make a deal by the 19th it is highly unlikely any deal will be made during the holiday period and that for [----] they told investors since Q2 earnings call"  
[X Link](https://x.com/tweets4uall/status/1998120770870944179)  2025-12-08T20:01Z [----] followers, [---] engagements


"$UPST with about [--] business days left to make a first R&D loans deal as of today we still see no indication for example on ratings for secured loans from Upstart (ex: KBRA). It's important to add weight to what management has said in the past two Qs about the balance sheet"  
[X Link](https://x.com/tweets4uall/status/1998815190083883411)  2025-12-10T18:00Z [----] followers, [----] engagements


"$UPST Short Interest Update: short interest continues to fall slowly at 28.7% for end of November reporting: From [--------] to [--------] shares short"  
[X Link](https://x.com/tweets4uall/status/1999144010472927606)  2025-12-11T15:47Z [----] followers, [----] engagements


"$UPST UMI continues to drop. Adjusted today from [----] - 1.45"  
[X Link](https://x.com/tweets4uall/status/2001036663837921393)  2025-12-16T21:08Z [----] followers, [----] engagements


"🎶🎶All I want for Christmas is a first R&D loan deal 🎶🎶 $UPST [--] business days left odds dont look good for a forward flow agreement by year end except it is a season for miracles 🎄"  
[X Link](https://x.com/tweets4uall/status/2001504010453619137)  2025-12-18T04:05Z [----] followers, [----] engagements


"@HenryInvests @davegirouard @playsmart9 @Rebellionaire I was making the same assumptions too but they seem to have enough cash on hand for now. Despite improving macro (as seen on UMI) it's still an elevated environment (ex: weakening labour market)"  
[X Link](https://x.com/tweets4uall/status/2002121058741325992)  2025-12-19T20:57Z [----] followers, [---] engagements


"Looks like we are in a holding pattern between $45-49 to potentially close out the year without a publicly disclosed R&D funding agreement. $UPST down 21% this year compared to massive performance of other lending fintech players"  
[X Link](https://x.com/CaptTweetz/status/2003168380950577255)  2025-12-22T18:18Z [----] followers, [----] engagements


"$UPST UMI updated to [----] from [----] from last week. Macro conditions improving slowly"  
[X Link](https://x.com/CaptTweetz/status/2003572036418044295)  2025-12-23T21:02Z [----] followers, [----] engagements


"@HenryInvests @mgereb @smitty_lefty I know but it can mean any number of things. The many times $UPST had bal sheet issues including this year they first issued more convertible notes. There is more than one way to fund the loans some preferable to shareholders some not. Some even at unfavourable to the business"  
[X Link](https://x.com/CaptTweetz/status/2004669177404293266)  2025-12-26T21:42Z [----] followers, [---] engagements


"@piggysensei2 @HenryInvests Balance sheet reduction has been a objective since Q4 [----] and became a top one since Q2 earnings call. Most recent mention was Q3 earnings call:"  
[X Link](https://x.com/tweets4uall/status/2004744610372055063)  2025-12-27T02:42Z [----] followers, [--] engagements


"$UPST crashes 10% this week as mgmt fails to deliver any tangible news for R&D loans reduction for [----]. I think it was quite evident as @davegirouard evaded with tweets earlier pushing for [----] optimism instead. With that lets just push out to [----] or [----] while were at it"  
[X Link](https://x.com/CaptTweetz/status/2006396362942746836)  2025-12-31T16:05Z [----] followers, [----] engagements


"$UPST short interest (Dec [--] Update) falls to 27.03% at [--------] shares short"  
[X Link](https://x.com/CaptTweetz/status/2006981585258823849)  2026-01-02T06:51Z [----] followers, [----] engagements


"Big pump today on $UPST as all small cap fintech names ( $AFRM $SOFI $TREE $LC $NU ) in the sector get a boost to start off the year"  
[X Link](https://x.com/CaptTweetz/status/2008200183662989321)  2026-01-05T15:33Z [----] followers, [----] engagements


"$UPST finally back to $50 for first time since Oct [--] of last year. 🚀 let's hope this can be sustained until ER or any future announcements"  
[X Link](https://x.com/CaptTweetz/status/2008220737652298211)  2026-01-05T16:55Z [----] followers, [----] engagements


"While this pressures the FED to continue cutting into '26 it does raise UMI fears. Deteriorating labour market would be bearish for $UPST as defaults & non-payments would go up. While it is not dire yet it doesn't show signs of improving as the labour market is still softening"  
[X Link](https://x.com/CaptTweetz/status/2008931119077462022)  2026-01-07T15:57Z [----] followers, [----] engagements


"$UPST any reasonable public company wouldn't have their CEO spending most of their time on X and be actually working as hard as their employees to deliver shareholder value. @HenryInvests did nothing wrong by asking a simple question there is a better way to respond. @HenryInvests @HarryKay_ I'd think you of all people would realize this isn't how/where we would announce major new initiatives. @HenryInvests @HarryKay_ I'd think you of all people would realize this isn't how/where we would announce major new initiatives"  
[X Link](https://x.com/CaptTweetz/status/2009393685528760351)  2026-01-08T22:36Z [----] followers, [----] engagements


"$UPST Spoke the truth and got blocked for it. Summarizes how poor upstart management is"  
[X Link](https://x.com/CaptTweetz/status/2009699931343421747)  2026-01-09T18:52Z [----] followers, [----] engagements


"$UPST Two sides: Bearish: - Depending on what % of originations are debt consolidation this puts more competition for rates & could lower loan demand. Bullish: - If CC issuers start cutting limits/close accounts or tighten approvals this could drive growth to personal loans"  
[X Link](https://x.com/CaptTweetz/status/2009808223822590023)  2026-01-10T02:03Z [----] followers, [----] engagements


"@Futurenvesting Demand for personal loans will go down but may also present an opportunity where sub-prime gets pushed out of CC issuers and into the arms of riskier players like $UPST"  
[X Link](https://x.com/CaptTweetz/status/2009812855097635106)  2026-01-10T02:21Z [----] followers, [----] engagements


"@BillAckman @realDonaldTrump If this happens it's an opportunity for players like $UPST to seize"  
[X Link](https://x.com/CaptTweetz/status/2009813313958621649)  2026-01-10T02:23Z [----] followers, [---] engagements


"@krassenstein @WhiteHouse Those people will end up going to Upstart ( $UPST ) if credit card companies do this"  
[X Link](https://x.com/CaptTweetz/status/2009814480557933005)  2026-01-10T02:28Z [----] followers, [---] engagements


"@CNBCTV18Live @_RituSingh Could be a tailwind for Upstart ( $UPST ) if credit card issuers start tightening approvals and closing/limiting accounts"  
[X Link](https://x.com/CaptTweetz/status/2009816358721335715)  2026-01-10T02:35Z [----] followers, [---] engagements


"$UPST Here is SOFI CEO on the CC 10% cap issue saying it would have a positive effect on personal loan demand. So this would also be positive for Upstart. Good to see a good CEO in this industry who is well spoken and communicates effectively about issues regarding his company. .👇Yes sir. If this is enactedand thats a big if though part of me hopes it iswe would likely see a significant contraction in industry credit card lending. Credit card issuers simply wont be able to sustain profitability at a 10% rate cap. Consumers however will still .👇Yes sir. If this is enactedand thats a big if"  
[X Link](https://x.com/CaptTweetz/status/2010182951229866380)  2026-01-11T02:52Z [----] followers, [----] engagements


"$UPST Look at the reaction today on the 10% CC cap issue. SOFI took a small 1.3% hit while UPST down almost 5%. This is after Anthony (SOFI CEO) gave a detailed answer on the impacts on their business on a X tweet meanwhile Dave (UPST CEO) was goofing off with incoherent tweets. $UPST Here is SOFI CEO on the CC 10% cap issue saying it would have a positive effect on personal loan demand. So this would also be positive for Upstart. Good to see a good CEO in this industry who is well spoken and communicates effectively about issues regarding his company. $UPST Here is SOFI CEO on the CC 10% cap"  
[X Link](https://x.com/CaptTweetz/status/2010767309204238692)  2026-01-12T17:34Z [----] followers, [----] engagements


"$UPST Upstart to Announce Q4 and FY [----] Results on February [--] [----] after market close at 1:30 p.m. PT / 4:30 p.m. ET"  
[X Link](https://x.com/CaptTweetz/status/2010821100586832322)  2026-01-12T21:08Z [----] followers, [----] engagements


"$UPST Dec [--] Short Interest Update: [--------] shares short at 31.38% (Dec [--] was 27.03%) A shift from a slow decline to a dramatic rise. Could be due to no major forward flow deals to reduce R&D BS loans for [----]. I prefer higher short interest until we have tangible results"  
[X Link](https://x.com/CaptTweetz/status/2011139439851196557)  2026-01-13T18:13Z [----] followers, [----] engagements


"Why doesn't $UPST CEO buy his own stock Short Swing Profit Rule basically means insiders have to return any profits from transactions of their stock within a 6-month period. Starting Mar [--] '26 Dave could buy stock since his last sale was Sep [--] '25. We will see if he will"  
[X Link](https://x.com/CaptTweetz/status/2011304335989469232)  2026-01-14T05:08Z [----] followers, [----] engagements


"@TradingDeskTy $UPST is a better buy. They can scale a lot faster"  
[X Link](https://x.com/CaptTweetz/status/2015888292168790079)  2026-01-26T20:43Z [----] followers, [---] engagements


"$UPST Just to clarify the Short Swing Profit Rule does not prevent Dave from buying stock it forces him to payback profits of sales so it's more of a choice. Paul Gu (CTO) had triggered this rule back in Nov when he bought shares. He paid back profits of $148255.06 to Upstart Why doesn't $UPST CEO buy his own stock Short Swing Profit Rule basically means insiders have to return any profits from transactions of their stock within a 6-month period. Starting Mar [--] '26 Dave could buy stock since his last sale was Sep [--] '25. We will see if he will https://t.co/fDjYRybUdB Why doesn't $UPST CEO"  
[X Link](https://x.com/CaptTweetz/status/2011469739512521152)  2026-01-14T16:05Z [----] followers, [----] engagements


"Initial jobless claims in the US fell by 9K from the previous week to 198K (est. 215K) to mark the second-lowest reading in two years. Continuing claims fell to by 19K. Reflects a labor market that has low firing and relatively low hiring. Stability in labour market helps $UPST"  
[X Link](https://x.com/CaptTweetz/status/2011839773720395892)  2026-01-15T16:35Z [----] followers, [---] engagements


"$UPST 168days (almost [--] months) since Q2 earnings call when R&D balance sheet reduction was promised and ZERO tangible results with balance sheet going up Stock will go down with the market"  
[X Link](https://x.com/CaptTweetz/status/2013711279630831875)  2026-01-20T20:32Z [----] followers, [----] engagements


"$UPST I have some good news 😂 @davegirouard has not tweeted anything (inc replies) since [--] days ago. It could be a bullish indicator as he's finally busy at work. Could mean a deal might be closing so he's too tied up to be on X or scared of SEC. Let's hope this trend stays 🙏"  
[X Link](https://x.com/CaptTweetz/status/2014057780039066002)  2026-01-21T19:29Z [----] followers, [----] engagements


"$UPST Feb 10th will be the biggest make or break moment. No tangible deals were announced by year end '25. Upstart usually makes these press releases. No rating agencies have reported on new product securitizations and the TP volume and contents do not indicate a ramp up of them"  
[X Link](https://x.com/CaptTweetz/status/2014406007946924438)  2026-01-22T18:33Z [----] followers, [----] engagements


"Being a $UPST investor these days 🐧"  
[X Link](https://x.com/CaptTweetz/status/2015244316973715793)  2026-01-25T02:04Z [----] followers, [----] engagements


"15 days to go until $UPST earnings 🎉"  
[X Link](https://x.com/CaptTweetz/status/2015849939373363369)  2026-01-26T18:10Z [----] followers, [----] engagements


"$UPST Jan [--] Short Interest Update: [--------] shares short at 26.64% (Dec [--] was 31.38%). Short interest has swung down to the earlier trend of shorts reducing their positions"  
[X Link](https://x.com/CaptTweetz/status/2016522668481081449)  2026-01-28T14:44Z [----] followers, [----] engagements


"$UPST make sure to vote in May to replace Dave as CEO. He is not focused on running the business during business days and hours. @davegirouard @BillAckman Not a freaking post about the company the dude is actually supposed to be running but we can talk political BS pro football college football and we get a effing MEME w/2026 on it. WTAF happened to [--------] [----] Do your day job as I can tell you shareholders are fed up @davegirouard @BillAckman Not a freaking post about the company the dude is actually supposed to be running but we can talk political BS pro football college football and we"  
[X Link](https://x.com/CaptTweetz/status/2016593258139250846)  2026-01-28T19:24Z [----] followers, [----] engagements


"Lending Club has fallen 16% after a small beat primarily due: [--]. Change in accounting principles to the Fair Value Option (FVO) for loans held. $UPST already uses FVO. [--]. Credit loss provisions were above estimates despite charge offs being down. TBD for $UPST"  
[X Link](https://x.com/CaptTweetz/status/2016998157477871698)  2026-01-29T22:13Z [----] followers, [----] engagements


"@MacNeillPatrick Credit risk phobia is across fintech right now. $LC $SOFI $AFRM $TREE all experiencing this and $UPST has a high amount of loans on the balance sheet continue to rise without any indication on reducing R&D loans. If they don't reduce it earnings beat won't matter much"  
[X Link](https://x.com/CaptTweetz/status/2017276422876778553)  2026-01-30T16:39Z [----] followers, [---] engagements


"$UPST stability in labour market helped lower UMI and since we already have some labour insights into January we should expect the next update to also be lower 🙏"  
[X Link](https://x.com/CaptTweetz/status/2017348243143692557)  2026-01-30T21:24Z [----] followers, [----] engagements


"$UPST This is why the market doesn't like it when you use your balance sheet for R&D and risky loans. 🚨BREAKING: FIRST US BANK FAILURE OF [----] Chicagos Metropolitan Capital Bank & Trust CLOSED by Illinois regulators due to unsafe conditions and weak capital cited. https://t.co/LnreyxGljv 🚨BREAKING: FIRST US BANK FAILURE OF [----] Chicagos Metropolitan Capital Bank & Trust CLOSED by Illinois regulators due to unsafe conditions and weak capital cited. https://t.co/LnreyxGljv"  
[X Link](https://x.com/CaptTweetz/status/2017737887077241281)  2026-01-31T23:12Z [----] followers, [----] engagements


"@HenryInvests @Upstart They should allow you to join the earnings call to ask a question for retail 😄"  
[X Link](https://x.com/CaptTweetz/status/2018732668913926248)  2026-02-03T17:05Z [----] followers, [---] engagements


"$UPST So soo far away from ALL time HIGHS. only a jet pack from a short squeeze with a huge R&D loan sale agreement could maybe get us 1/3rd there in [----] 😂"  
[X Link](https://x.com/CaptTweetz/status/2018537605252690079)  2026-02-03T04:10Z [----] followers, [----] engagements


"$UPST There is a job posting for a Capital Markets Lead Role that involves finding funding for the Auto product. This could be a indicator that they are struggling to secure partners to offload this section of the R&D loans & they need a dedicated person https://careers.upstart.com/jobs/capital-markets-lead-auto https://careers.upstart.com/jobs/capital-markets-lead-auto"  
[X Link](https://x.com/CaptTweetz/status/2018905123951636822)  2026-02-04T04:31Z [----] followers, [----] engagements


"$UPST Really strong TP numbers today counted [--] just now. That new low UMI rating kicking in"  
[X Link](https://x.com/CaptTweetz/status/2018921878060925153)  2026-02-04T05:37Z [----] followers, [----] engagements


"$UPST we are now below the April Tariffs low of last year Special thanks to Dave for eroding shareholder value and repeating the mistakes of [----] with an unsustainable balance sheet"  
[X Link](https://x.com/CaptTweetz/status/2019501700344602640)  2026-02-05T20:01Z [----] followers, [----] engagements


"@HenryInvests If partners are pulling back could also mean no one has appetite for the R&D loans either for offloading the balance sheet hence why they haven't made a deal yet (no announcements). Let's see tomorrow"  
[X Link](https://x.com/CaptTweetz/status/2020872767537578398)  2026-02-09T14:49Z [----] followers, [---] engagements


"$UPST post earnings stock price reaction tomorrow Down 20%- Down 10%- Up 20%+ Up 10%+ Down 20%- Down 10%- Up 20%+ Up 10%+"  
[X Link](https://x.com/CaptTweetz/status/2020882028271431774)  2026-02-09T15:26Z [----] followers, [----] engagements


"@HenryInvests It does give a bit of confidence boost that their AI model actually works however $SOFI and $AFRM reported without any pullback issues"  
[X Link](https://x.com/CaptTweetz/status/2020886334617845847)  2026-02-09T15:43Z [----] followers, [---] engagements


"@goddreng10 $UPST is up too I wonder what triggered the sudden spike in the credit space"  
[X Link](https://x.com/CaptTweetz/status/2021237523092062270)  2026-02-10T14:59Z [----] followers, [---] engagements


"@goddreng10 @kourtneygans @grok Yeah [--] year yield is down today"  
[X Link](https://x.com/CaptTweetz/status/2021239899182039070)  2026-02-10T15:08Z [----] followers, [--] engagements


"$UPST reacting positively this morning after retail sales data came in weak which caused the [--] year yield to move down to 4.14%. This helped push rate cut odds higher starting with Mar [--] [--] basis point cut chance going up to 21.6% compared to 9.4% last week"  
[X Link](https://x.com/CaptTweetz/status/2021241151630541112)  2026-02-10T15:13Z [----] followers, [----] engagements


"@goddreng10 @kourtneygans @grok I usually don't like it when stocks are up this much directly prior to earnings fake outs happen. Let's hope for the best"  
[X Link](https://x.com/CaptTweetz/status/2021245099527581952)  2026-02-10T15:29Z [----] followers, [---] engagements


"With an [--] hour to go. let's see who ends up right on $UPST $UPST post earnings stock price reaction tomorrow $UPST post earnings stock price reaction tomorrow"  
[X Link](https://x.com/CaptTweetz/status/2021312514005385295)  2026-02-10T19:57Z [----] followers, [----] engagements


"$UPST DAVE GIROUARD IS OUT PAUL GU IS NOW CEO 🚀🚀🚀 $UPST make sure to vote in May to replace Dave as CEO. He is not focused on running the business during business days and hours. $UPST make sure to vote in May to replace Dave as CEO. He is not focused on running the business during business days and hours"  
[X Link](https://x.com/CaptTweetz/status/2021330962978570663)  2026-02-10T21:10Z [----] followers, [----] engagements


"@HenryInvests @HenryInvests We should expect the official announcement soon on the balance sheet sale for R&D loans I wonder who they striked the first deal with"  
[X Link](https://x.com/CaptTweetz/status/2021333759765995877)  2026-02-10T21:21Z [----] followers, [--] engagements


"@bradsferguson Appetite is low for credit players atm fintech igetting hit across the board. If they played these earnings [--] Qs ago with a hot market we would be [---] and the downturn wouldn't be this bad. Anyway if we get low inflation + more rate cuts priced in appetite will return"  
[X Link](https://x.com/CaptTweetz/status/2021610533837815912)  2026-02-11T15:41Z [----] followers, [---] engagements


"$UPST SOLD R&D LOANS LETS GOOO"  
[X Link](https://x.com/CaptTweetz/status/2021331295356453304)  2026-02-10T21:11Z [----] followers, [----] engagements


"$UPST New UPSTART CFO Andrea Blankmeyer worked for $SOFI as VP Finance in the past Truly a evolution in the new leadership decisions. Better yet Sanjay Datta has moved to Chief Capital Officer which will focus and scale the effort on reducing that R&D balance sheet LETS GOO 🚀"  
[X Link](https://x.com/CaptTweetz/status/2021335325197598879)  2026-02-10T21:27Z [----] followers, [----] engagements


"$UPST February numbers for short interest will be very interesting once we have them in a couple weeks and hopefully some future tangible forward flow agreements on R&D loans can cause a spark on the shorts"  
[X Link](https://x.com/CaptTweetz/status/2022395615997501691)  2026-02-13T19:41Z [----] followers, [---] engagements

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