[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.] #  @HenryInvests Henry Henry posts on X about $upst, business, $zeta, products the most. They currently have XXXXX followers and 1991 posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1405936339753787393/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXXXX +191% - X Months XXXXXXXXXX +620% - X Year XXXXXXXXXX +696% ### Mentions: XX [#](/creator/twitter::1405936339753787393/posts_active)  - X Month XXX +41% - X Months XXX +19% - X Year XXXXX +89% ### Followers: XXXXX [#](/creator/twitter::1405936339753787393/followers)  - X Week XXXXX +0.51% - X Month XXXXX +1.70% - X Months XXXXX +36% - X Year XXXXX +72% ### CreatorRank: XXXXXXX [#](/creator/twitter::1405936339753787393/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [cryptocurrencies](/list/cryptocurrencies) [technology brands](/list/technology-brands) [celebrities](/list/celebrities) **Social topic influence** [$upst](/topic/$upst) #7, [business](/topic/business), [$zeta](/topic/$zeta) #69, [products](/topic/products), [the first](/topic/the-first), [health](/topic/health), [relationships](/topic/relationships), [umi](/topic/umi), [henry](/topic/henry) #270, [alltime](/topic/alltime) **Top accounts mentioned or mentioned by** [@upstart](/creator/undefined) [@davegirouard](/creator/undefined) [@veganhippo21](/creator/undefined) [@garbagebutter78](/creator/undefined) [@rebellionaire](/creator/undefined) [@zastocks](/creator/undefined) [@upstarts](/creator/undefined) [@sonyabanerjee](/creator/undefined) [@mapletreecap](/creator/undefined) [@frugalbuck](/creator/undefined) [@playsmart9](/creator/undefined) [@bjmtweets](/creator/undefined) [@wayne81573](/creator/undefined) [@boilerjoe99](/creator/undefined) [@x0cade](/creator/undefined) [@boomerdivvies](/creator/undefined) [@goddreng10](/creator/undefined) [@arrangray9](/creator/undefined) [@lemonadeinc](/creator/undefined) [@nachonnmdr](/creator/undefined) **Top assets mentioned** [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [ZetaChain (ZETA)](/topic/$zeta) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Adobe, Inc. (ADBE)](/topic/$adbe) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) ### Top Social Posts Top posts by engagements in the last XX hours "💡Upstart Macro Index (UMI) vs Inverse Zeta Economic Index (ZEI) $UPST $ZETA Both Upstart and Zeta publish an index that tracks economic health. As such I thought it would be interesting to overlap the two and see if there were any similarities. To understand any relationships we first have to define the metrics we are comparing. The Upstart Macro Index (UMI green line) quantifies how much macroeconomic conditions like inflation or unemployment are impacting loan defaults on Upstart powered loans. On this scale a value above XXX signifies a challenging environment while a score below 1.0" [X Link](https://x.com/HenryInvests/status/1992971179406090593) 2025-11-24T14:58Z 5932 followers, 5424 engagements "Upstart $UPST institutional ownership has hit a new all-time high" [X Link](https://x.com/HenryInvests/status/1993033774591095184) 2025-11-24T19:07Z 5932 followers, 7780 engagements "You heard @bradsferguson right: @Rebellionaire has purchased over 204000 shares of Upstart $UPST worth $8M in Q3 ✅💰 @davegirouard / @paulxgu / @sonya_banerjee - We are big believers in your mission to build the foundation model for credit" [X Link](https://x.com/HenryInvests/status/1993051119057355046) 2025-11-24T20:16Z 5932 followers, 13.3K engagements "Prior to $UPST Q325 earnings @Rebellionaire told clients and investors to expect a lighter top-line revenue print as the Upstart Trustpilot Index (#UTPI) and UpstartIQ picked up on rapid model tightening. That call proved correct. Today those same indicators are flashing the opposite signal - the headwinds we flagged into Q3 have flipped into tailwinds. UTPI and UpstartIQ now point to a base case of $304M in Q425 revenue comfortably above Upstarts $288M guidance. Read the full XX page #UTPI report and UpstartIQ methodology breakdown available exclusively on our website 👇" [X Link](https://x.com/HenryInvests/status/1997057259424436230) 2025-12-05T21:35Z 5932 followers, 9304 engagements "I know Adobe $ADBE is being disrupted but this is a business with XX% gross margins XX% EBITDA margins XX% FCF margins and a XX% net margin with a 5yr topline revenue CAGR XX% expected to grow topline XX% next year trading at 20x LTM earnings & 14x FWD earnings lol. That is a remarkable business. Back in 2022 Google $GOOGL got killed on massive fears surrounding ChatGPT. Obviously Google was behind but they demonstrated a remarkable turnaround and some would argue their value pop is now better than OpenAI. Google shares are up over XXX% from those lows. I think there's a world where ADBE can" [X Link](https://x.com/HenryInvests/status/1994488482782142604) 2025-11-28T19:28Z 5930 followers, 5056 engagements "💡The answer: Upstart's $UPST take rate has moderated (slightly increased) despite a growing mix of new products. Remember these new products (Auto HELOC SDL) have smaller take rates because 1) they operate in more competitive markets and 2) Upstart's underwriting models aren't as mature/dynamic as they are with their core personal loan product. Moderating/slightly accelerating take rates (defined as platform revenue / origination volume) with a growing book of new products suggests the core take rate of the non-prime business is remarkably strong" [X Link](https://x.com/HenryInvests/status/1998136521803931960) 2025-12-08T21:04Z 5932 followers, 2077 engagements "Whats your favorite stock" [X Link](https://x.com/HenryInvests/status/1998488114277634370) 2025-12-09T20:21Z 5932 followers, 3651 engagements "Live look at #JPow" [X Link](https://x.com/HenryInvests/status/1998844048237625684) 2025-12-10T19:55Z 5932 followers, 1119 engagements ". @davegirouard patiently waiting for you to pull an Elon and tell us "Funding Secured" 😎 $UPST" [X Link](https://x.com/HenryInvests/status/1993374583370703299) 2025-11-25T17:41Z 5930 followers, 5538 engagements "@tweets4uall @davegirouard Most capital raises (convertible notes) have come 6-8 days after ER. We are 20D+ and no raise. Seems like there is no capital crunch" [X Link](https://x.com/HenryInvests/status/1993376037741211723) 2025-11-25T17:47Z 5930 followers, XXX engagements "🚨 Upstart $UPST October UMI comes in at XXXX down XXX% MoM #UTPI" [X Link](https://x.com/HenryInvests/status/1993794651774742736) 2025-11-26T21:31Z 5930 followers, 11.5K engagements "$UPST appears to be moving in response to October's low UMI read 🤔 This is the first time I've ever seen the stock move off a UMI release. @Rebellionaire and I highlighted a sharp acceleration in #UTPI following Upstart's Q325 results a clear sign of less macro-pricing pressure despite the model's tightening in Q3. The low UMI read did not surprise us but it appears to have surprised the market. $UPST +5.0% whereas IWM/QQQ +0.40% AFRM +1.5% SOFI +1.4% PGY +4.0%. UPST now +28.5% from its local $XX bottom. December rate cut odds are now up to 86.9%. Perhaps the market is getting smarter on" [X Link](https://x.com/HenryInvests/status/1994421174399332825) 2025-11-28T15:00Z 5930 followers, 7139 engagements "$UPST +7% and now sitting above the 8D EMA 20D SMA and 21D EMA for the first time since late October a sign of strong short-term momentum fueled by an accelerating #UTPI and cooling #UMI. The 500D SMA is X% away sitting at $XXXXX. Shares have now broken out and closed above the descending channel with strong relative outperformance over the past few days. 🐰🎩" [X Link](https://x.com/HenryInvests/status/1994470565604987215) 2025-11-28T18:16Z 5930 followers, 4175 engagements "A picture is worth a thousand words $UPST 📸" [X Link](https://x.com/HenryInvests/status/1994805702573846568) 2025-11-29T16:28Z 5930 followers, 7173 engagements "If the uber bull case for $UPST works out we will see Upstart grow with both an accelerating top line and accelerating bottom line margins as the underwriting models for new products (Prime Auto HELOC SDL) accrue more data implement new AI/ML techniques thus improving underwriting accuracy which creates more separation and therefore more margin. Upstart has the potential to grow at accelerating margins" [X Link](https://x.com/HenryInvests/status/1994828777504084226) 2025-11-29T18:00Z 5931 followers, 4398 engagements "Upstart $UPST management to meet virtually with B. Riley this Wednesday Dec 3" [X Link](https://x.com/HenryInvests/status/1995516478649708884) 2025-12-01T15:32Z 5930 followers, 4218 engagements "#UTPI Full update coming soon but want to get this out there. The last week for $UPST Trustpilot Reviews has been soft but much expected due to Thanksgiving 🦃 Green line represents the historical data of UTPI and the yellow line represents a linear regression model's prediction for UTPI into the end of the year. Still well on pace for 3000 reviews in Q425 which is the number I believe UPST needs to comfortable exceed the $288M guidance. NFA DYOR etc #Rebellionaire" [X Link](https://x.com/HenryInvests/status/1995907893162623132) 2025-12-02T17:28Z 5930 followers, 3858 engagements "Upstart $UPST October UMI revised down from XXXX to XXXX the lowest reading since February. September revised down from XXXX to XXXX 🤔" [X Link](https://x.com/HenryInvests/status/1996041619188093418) 2025-12-03T02:19Z 5930 followers, 5778 engagements "#BRiley whats the word $UPST" [X Link](https://x.com/HenryInvests/status/1996592823399862594) 2025-12-04T14:49Z 5930 followers, 2608 engagements "@LazySoundBetter @davegirouard I would argue it easily 10xd. The models are infinitely better with increasing calibration capabilities. The stock price is not always a reflection of the business" [X Link](https://x.com/HenryInvests/status/1996623559863816701) 2025-12-04T16:52Z 5929 followers, XXX engagements "I have a gut feeling (based on nothing but pure instinct) we are getting a $UPST PR soon" [X Link](https://x.com/HenryInvests/status/1996643018204762296) 2025-12-04T18:09Z 5930 followers, 5262 engagements "Writing a new #UTPI update and still impressed that we @Rebellionaire caught the $UPST model tightening prior to the Q325 results. That is tremendous alpha. I expect other institutions are developing an internal UTPI to follow suit. Regardless this next update will have a lot more positives than the last. Stay tuned. 🫡" [X Link](https://x.com/HenryInvests/status/1996940203261317225) 2025-12-05T13:50Z 5930 followers, 3100 engagements "@Gubloinvestor Zeta is very interesting" [X Link](https://x.com/HenryInvests/status/1998492769430761738) 2025-12-09T20:39Z 5931 followers, XXX engagements "According to Robinhood retail investors were net sellers of $UPST in Q3 while hedge funds and insiders were net buyers" [X Link](https://x.com/HenryInvests/status/1993032992634351890) 2025-11-24T19:04Z 5931 followers, 5604 engagements "💡Looking back at this and wondering if @davegirouard was giving a subtle innuendo that he would have bought $UPST on the open market had it not been for the short swing profit rule. Under Section 16(b) of the Securities Exchange Act of 1934 insiders have to give back any short-swing profits they make from buying and selling their companys stock within a 6-month window. In the last X months Dave has sold 208335 $UPST shares via an automated 10b5-1 plan (a pre-arranged trading plan that lets insiders schedule buys/sells in advance). If Dave bought shares on the open market today hed be forced" [X Link](https://x.com/HenryInvests/status/1994437009759260687) 2025-11-28T16:03Z 5931 followers, 7378 engagements "Somethings going on with $UPST" [X Link](https://x.com/HenryInvests/status/1998062805438636140) 2025-12-08T16:11Z 5932 followers, 6085 engagements "Pop Quiz: Over the last X quarters Upstart's $UPST Platform Fee Revenue is growing faster than Total Originations. What does this mean 🐇🎩" [X Link](https://x.com/HenryInvests/status/1998129977137697269) 2025-12-08T20:38Z 5932 followers, 4029 engagements "$UPST shorts are betting against business growing the topline XX% YoY while flipping a $7M GAAP loss to a $32M GAAP profit with a Fed that is going max dovish. Oh - and falling interest rates brings even more demand for the ABS loans on the balance sheet. Just really hard for me to see how long UPST does not massively outperform from here" [X Link](https://x.com/HenryInvests/status/1998849769645740101) 2025-12-10T20:18Z 5932 followers, 2898 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.]
@HenryInvests Henry
Henry posts on X about $upst, business, $zeta, products the most. They currently have XXXXX followers and 1991 posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXXXXX +191%
- X Months XXXXXXXXXX +620%
- X Year XXXXXXXXXX +696%
Mentions: XX #
- X Month XXX +41%
- X Months XXX +19%
- X Year XXXXX +89%
Followers: XXXXX #
- X Week XXXXX +0.51%
- X Month XXXXX +1.70%
- X Months XXXXX +36%
- X Year XXXXX +72%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance stocks cryptocurrencies technology brands celebrities
Social topic influence $upst #7, business, $zeta #69, products, the first, health, relationships, umi, henry #270, alltime
Top accounts mentioned or mentioned by @upstart @davegirouard @veganhippo21 @garbagebutter78 @rebellionaire @zastocks @upstarts @sonyabanerjee @mapletreecap @frugalbuck @playsmart9 @bjmtweets @wayne81573 @boilerjoe99 @x0cade @boomerdivvies @goddreng10 @arrangray9 @lemonadeinc @nachonnmdr
Top assets mentioned Upstart Holdings, Inc. Common stock (UPST) ZetaChain (ZETA) Alphabet Inc Class A (GOOGL) Adobe, Inc. (ADBE) Uber Technologies, Inc. (UBER) Robinhood Markets, Inc. (HOOD)
Top Social Posts
Top posts by engagements in the last XX hours
"💡Upstart Macro Index (UMI) vs Inverse Zeta Economic Index (ZEI) $UPST $ZETA Both Upstart and Zeta publish an index that tracks economic health. As such I thought it would be interesting to overlap the two and see if there were any similarities. To understand any relationships we first have to define the metrics we are comparing. The Upstart Macro Index (UMI green line) quantifies how much macroeconomic conditions like inflation or unemployment are impacting loan defaults on Upstart powered loans. On this scale a value above XXX signifies a challenging environment while a score below 1.0"
X Link 2025-11-24T14:58Z 5932 followers, 5424 engagements
"Upstart $UPST institutional ownership has hit a new all-time high"
X Link 2025-11-24T19:07Z 5932 followers, 7780 engagements
"You heard @bradsferguson right: @Rebellionaire has purchased over 204000 shares of Upstart $UPST worth $8M in Q3 ✅💰 @davegirouard / @paulxgu / @sonya_banerjee - We are big believers in your mission to build the foundation model for credit"
X Link 2025-11-24T20:16Z 5932 followers, 13.3K engagements
"Prior to $UPST Q325 earnings @Rebellionaire told clients and investors to expect a lighter top-line revenue print as the Upstart Trustpilot Index (#UTPI) and UpstartIQ picked up on rapid model tightening. That call proved correct. Today those same indicators are flashing the opposite signal - the headwinds we flagged into Q3 have flipped into tailwinds. UTPI and UpstartIQ now point to a base case of $304M in Q425 revenue comfortably above Upstarts $288M guidance. Read the full XX page #UTPI report and UpstartIQ methodology breakdown available exclusively on our website 👇"
X Link 2025-12-05T21:35Z 5932 followers, 9304 engagements
"I know Adobe $ADBE is being disrupted but this is a business with XX% gross margins XX% EBITDA margins XX% FCF margins and a XX% net margin with a 5yr topline revenue CAGR XX% expected to grow topline XX% next year trading at 20x LTM earnings & 14x FWD earnings lol. That is a remarkable business. Back in 2022 Google $GOOGL got killed on massive fears surrounding ChatGPT. Obviously Google was behind but they demonstrated a remarkable turnaround and some would argue their value pop is now better than OpenAI. Google shares are up over XXX% from those lows. I think there's a world where ADBE can"
X Link 2025-11-28T19:28Z 5930 followers, 5056 engagements
"💡The answer: Upstart's $UPST take rate has moderated (slightly increased) despite a growing mix of new products. Remember these new products (Auto HELOC SDL) have smaller take rates because 1) they operate in more competitive markets and 2) Upstart's underwriting models aren't as mature/dynamic as they are with their core personal loan product. Moderating/slightly accelerating take rates (defined as platform revenue / origination volume) with a growing book of new products suggests the core take rate of the non-prime business is remarkably strong"
X Link 2025-12-08T21:04Z 5932 followers, 2077 engagements
"Whats your favorite stock"
X Link 2025-12-09T20:21Z 5932 followers, 3651 engagements
"Live look at #JPow"
X Link 2025-12-10T19:55Z 5932 followers, 1119 engagements
". @davegirouard patiently waiting for you to pull an Elon and tell us "Funding Secured" 😎 $UPST"
X Link 2025-11-25T17:41Z 5930 followers, 5538 engagements
"@tweets4uall @davegirouard Most capital raises (convertible notes) have come 6-8 days after ER. We are 20D+ and no raise. Seems like there is no capital crunch"
X Link 2025-11-25T17:47Z 5930 followers, XXX engagements
"🚨 Upstart $UPST October UMI comes in at XXXX down XXX% MoM #UTPI"
X Link 2025-11-26T21:31Z 5930 followers, 11.5K engagements
"$UPST appears to be moving in response to October's low UMI read 🤔 This is the first time I've ever seen the stock move off a UMI release. @Rebellionaire and I highlighted a sharp acceleration in #UTPI following Upstart's Q325 results a clear sign of less macro-pricing pressure despite the model's tightening in Q3. The low UMI read did not surprise us but it appears to have surprised the market. $UPST +5.0% whereas IWM/QQQ +0.40% AFRM +1.5% SOFI +1.4% PGY +4.0%. UPST now +28.5% from its local $XX bottom. December rate cut odds are now up to 86.9%. Perhaps the market is getting smarter on"
X Link 2025-11-28T15:00Z 5930 followers, 7139 engagements
"$UPST +7% and now sitting above the 8D EMA 20D SMA and 21D EMA for the first time since late October a sign of strong short-term momentum fueled by an accelerating #UTPI and cooling #UMI. The 500D SMA is X% away sitting at $XXXXX. Shares have now broken out and closed above the descending channel with strong relative outperformance over the past few days. 🐰🎩"
X Link 2025-11-28T18:16Z 5930 followers, 4175 engagements
"A picture is worth a thousand words $UPST 📸"
X Link 2025-11-29T16:28Z 5930 followers, 7173 engagements
"If the uber bull case for $UPST works out we will see Upstart grow with both an accelerating top line and accelerating bottom line margins as the underwriting models for new products (Prime Auto HELOC SDL) accrue more data implement new AI/ML techniques thus improving underwriting accuracy which creates more separation and therefore more margin. Upstart has the potential to grow at accelerating margins"
X Link 2025-11-29T18:00Z 5931 followers, 4398 engagements
"Upstart $UPST management to meet virtually with B. Riley this Wednesday Dec 3"
X Link 2025-12-01T15:32Z 5930 followers, 4218 engagements
"#UTPI Full update coming soon but want to get this out there. The last week for $UPST Trustpilot Reviews has been soft but much expected due to Thanksgiving 🦃 Green line represents the historical data of UTPI and the yellow line represents a linear regression model's prediction for UTPI into the end of the year. Still well on pace for 3000 reviews in Q425 which is the number I believe UPST needs to comfortable exceed the $288M guidance. NFA DYOR etc #Rebellionaire"
X Link 2025-12-02T17:28Z 5930 followers, 3858 engagements
"Upstart $UPST October UMI revised down from XXXX to XXXX the lowest reading since February. September revised down from XXXX to XXXX 🤔"
X Link 2025-12-03T02:19Z 5930 followers, 5778 engagements
"#BRiley whats the word $UPST"
X Link 2025-12-04T14:49Z 5930 followers, 2608 engagements
"@LazySoundBetter @davegirouard I would argue it easily 10xd. The models are infinitely better with increasing calibration capabilities. The stock price is not always a reflection of the business"
X Link 2025-12-04T16:52Z 5929 followers, XXX engagements
"I have a gut feeling (based on nothing but pure instinct) we are getting a $UPST PR soon"
X Link 2025-12-04T18:09Z 5930 followers, 5262 engagements
"Writing a new #UTPI update and still impressed that we @Rebellionaire caught the $UPST model tightening prior to the Q325 results. That is tremendous alpha. I expect other institutions are developing an internal UTPI to follow suit. Regardless this next update will have a lot more positives than the last. Stay tuned. 🫡"
X Link 2025-12-05T13:50Z 5930 followers, 3100 engagements
"@Gubloinvestor Zeta is very interesting"
X Link 2025-12-09T20:39Z 5931 followers, XXX engagements
"According to Robinhood retail investors were net sellers of $UPST in Q3 while hedge funds and insiders were net buyers"
X Link 2025-11-24T19:04Z 5931 followers, 5604 engagements
"💡Looking back at this and wondering if @davegirouard was giving a subtle innuendo that he would have bought $UPST on the open market had it not been for the short swing profit rule. Under Section 16(b) of the Securities Exchange Act of 1934 insiders have to give back any short-swing profits they make from buying and selling their companys stock within a 6-month window. In the last X months Dave has sold 208335 $UPST shares via an automated 10b5-1 plan (a pre-arranged trading plan that lets insiders schedule buys/sells in advance). If Dave bought shares on the open market today hed be forced"
X Link 2025-11-28T16:03Z 5931 followers, 7378 engagements
"Somethings going on with $UPST"
X Link 2025-12-08T16:11Z 5932 followers, 6085 engagements
"Pop Quiz: Over the last X quarters Upstart's $UPST Platform Fee Revenue is growing faster than Total Originations. What does this mean 🐇🎩"
X Link 2025-12-08T20:38Z 5932 followers, 4029 engagements
"$UPST shorts are betting against business growing the topline XX% YoY while flipping a $7M GAAP loss to a $32M GAAP profit with a Fed that is going max dovish. Oh - and falling interest rates brings even more demand for the ABS loans on the balance sheet. Just really hard for me to see how long UPST does not massively outperform from here"
X Link 2025-12-10T20:18Z 5932 followers, 2898 engagements