#  @HenryInvests Henry Henry posts on X about $upst, ai, balance sheet, products the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/twitter::1405936339753787393/interactions)  - [--] Week [-------] +266% - [--] Month [-------] +73% - [--] Months [---------] -8.90% - [--] Year [---------] +51% ### Mentions: [--] [#](/creator/twitter::1405936339753787393/posts_active)  - [--] Week [--] -11% - [--] Month [---] +28% - [--] Months [---] +7.10% - [--] Year [-----] +49% ### Followers: [-----] [#](/creator/twitter::1405936339753787393/followers)  - [--] Week [-----] +0.37% - [--] Month [-----] +0.92% - [--] Months [-----] +13% - [--] Year [-----] +62% ### CreatorRank: [-------] [#](/creator/twitter::1405936339753787393/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) 68% [finance](/list/finance) 29% [countries](/list/countries) 2% [financial services](/list/financial-services) 1% [cryptocurrencies](/list/cryptocurrencies) 1% [fashion brands](/list/fashion-brands) 1% **Social topic influence** [$upst](/topic/$upst) #4, [ai](/topic/ai) 9%, [balance sheet](/topic/balance-sheet) #705, [products](/topic/products) #2601, [$pgy](/topic/$pgy) 6%, [business](/topic/business) 5%, [target](/topic/target) 4%, [in the](/topic/in-the) 4%, [$300m](/topic/$300m) 4%, [$13b](/topic/$13b) 4% **Top accounts mentioned or mentioned by** [@goddreng10](/creator/undefined) [@piggysensei2](/creator/undefined) [@ghtheprophet](/creator/undefined) [@playsmart9](/creator/undefined) [@gubloinvestor](/creator/undefined) [@rebellionaire](/creator/undefined) [@stockzombie222](/creator/undefined) [@bjmtweets](/creator/undefined) [@kabraxfx](/creator/undefined) [@winnerinvestor](/creator/undefined) [@macneillpatrick](/creator/undefined) [@tai_chen_hsiang](/creator/undefined) [@caleb___ford](/creator/undefined) [@tax__accountant](/creator/undefined) [@capttweetz](/creator/undefined) [@veganhippo21](/creator/undefined) [@zhangtaosg](/creator/undefined) [@jerrybaaa](/creator/undefined) [@upstart](/creator/undefined) [@davegirouard](/creator/undefined) **Top assets mentioned** [Upstart Holdings, Inc. (UPST)](/topic/$upst) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Bank of America (BAC)](/topic/bank-of-america) [WW International, Inc. Common Stock (WW)](/topic/$ww) [Uranium Energy Corp. (UEC)](/topic/$uec) [Citigroup Inc (C)](/topic/citigroup) [Duolingo, Inc. (DUOL)](/topic/$duol) [Molina Healthcare, Inc. (MOH)](/topic/$moh) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [AppLovin Corporation (APP)](/topic/$app) [Fluidity (FLY)](/topic/$fly) [CoreWeave, Inc (CRWV)](/topic/$crwv) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Bloom Energy Corporation (BE)](/topic/$be) ### Top Social Posts Top posts by engagements in the last [--] hours "#UTPI and UpstartIQ predicted vs actual outcomes for Upstart's $UPST Q4 [----]. Review Rate ticked up and Revenue per Loan held steadier than expected. This caused my baseline estimate to be slightly higher than what was posted. Despite that I believe I still had the closest revenue estimate. Changes happen very quickly as Upstart is a constantly evolving and volatile business. https://twitter.com/i/web/status/2022055619767726503 https://twitter.com/i/web/status/2022055619767726503" [X Link](https://x.com/HenryInvests/status/2022055619767726503) 2026-02-12T21:10Z [----] followers, [----] engagements "Upstart $UPST Trustpilot Reviews by Month inspired by @MacNeillPatrick 🤌" [X Link](https://x.com/HenryInvests/status/2017232524586414419) 2026-01-30T13:44Z [----] followers, [----] engagements "JP Morgan Cuts $UPST Target Price to $57 from $65 remains BUY Bank of America Cuts $UPST Target Price to $60 from $71 remains HOLD Truist Securities Cuts $UPST Target Price to $49 from $59 remains BUY" [X Link](https://x.com/HenryInvests/status/2021569317511294995) 2026-02-11T12:57Z [----] followers, 16.8K engagements "#UTPI vs Upstart $UPST Monthly Originations ⚡ The Upstart Trustpilot Index has been a source of incredible alpha for retail investors. I originally launched the project in October [----] simply by hand-counting daily reviews and looking for patterns. I then collaborated intensely with @garbagebutter78 to incorporate more sophisticated data analysis including the trailing 28D moving average that you've all come accustom too. UTPI insights were then fed into my model 'UpstartIQ' which has a strong track record of revenue prediction performance. Here is UTPI & UpstartIQ's performance: 3Q24:" [X Link](https://x.com/HenryInvests/status/2021599885531717947) 2026-02-11T14:59Z [----] followers, [----] engagements "$UPST WALMART DEAL $UPST Upstart Holdings Inc. (Upstart) and OneProgress Services LLC (OnePay) a financial technology company that is majority owned by Walmart Inc. (Walmart) have entered into a one-year strategic partnership. The partnership is expected to help Upstart market consumer lending products to Walmarts customer base. As part of the partnership Upstart and OnePay will collaborate on co-branded offerings including co-branded direct mail campaigns https://twitter.com/i/web/status/1918290024048804193 https://twitter.com/i/web/status/1918290024048804193" [X Link](https://x.com/HenryInvests/status/1918290024048804193) 2025-05-02T13:02Z [----] followers, 11.1K engagements "UPSTART HOLDINGS INC : CITIGROUP RAISES TARGET PRICE TO $100 FROM $83 $UPST" [X Link](https://x.com/HenryInvests/status/1953408898414542999) 2025-08-07T10:52Z [----] followers, 11.2K engagements "Whats your favorite stock" [X Link](https://x.com/HenryInvests/status/1998488114277634370) 2025-12-09T20:21Z [----] followers, [----] engagements "$WW Today Weight Watchers launched a fully integrated GLP-1 platform. They are competing directly with Hims and Hers as well as others - and I think they are positioned to win. I had a lengthy write-up on this in October and the thesis is progressing quicker than I expected. WeightWatchers is currently undergoing a massive transformation pivoting from its legacy reputation as a diet-based weight loss company into a clinically integrated weight-health platform that combines FDA-approved GLP-1 medications (very important) with its proven behavioral programs. The core of the investment thesis is" [X Link](https://x.com/HenryInvests/status/2000949875903447275) 2025-12-16T15:23Z [----] followers, [----] engagements "BTIG Reaffirms Their Hold Rating on Upstart Holdings $UPST that BTIG 🙄 https://twitter.com/i/web/status/2008885933895024878 https://twitter.com/i/web/status/2008885933895024878" [X Link](https://x.com/HenryInvests/status/2008885933895024878) 2026-01-07T12:58Z [----] followers, [----] engagements "The ontology behind $UPST's new revolving credit product just fully clicked for me and the disruption opportunity is so massive. This has me super excited. Upstart is about to disrupt the entire credit card industry by turning it completely on its head. Trump's proposed 10% APR cc cap will likely not go through but publicity of his stunt will be a huge tailwind for this upcoming product launch. As @zhangtaoSG said Upstart appears ready to launch a revolving credit product priced competitively on APR versus rewards. Prime borrowers enjoy credit card rewards such as cash back exclusive airport" [X Link](https://x.com/HenryInvests/status/2016141603262382233) 2026-01-27T13:29Z [----] followers, [----] engagements "Pagaya $PGY has $265M in cash + restricted cash & $888M of 'investments in loans and securities' - 3.35x credit exposure to cash Upstart $UPST has $837M in cash + restricted cash & $1.23B of loans & $770M in co-investment partnerships - 2.39x credit exposure to cash. I'm sure this is a gross over-generalization. Upstart is definitely carrying higher risk credit. But I would love to hear some additional thoughts here. https://twitter.com/i/web/status/2016185772219445574 https://twitter.com/i/web/status/2016185772219445574" [X Link](https://x.com/HenryInvests/status/2016185772219445574) 2026-01-27T16:25Z [----] followers, [----] engagements "Upstart's $UPST debt situation is pretty interesting. Most of it is convertible notes. They have $66M in notes due in August of this year but the next maturity isn't until [----]. Seems okay to me if they are a little debt heavy right now given the extended runway (and the fact that worst case it's dilution). Any ideas on when they start paying this back The notes due this year shouldn't be an issue & the 2032's are zero coupon. https://twitter.com/i/web/status/2016193564120588364 https://twitter.com/i/web/status/2016193564120588364" [X Link](https://x.com/HenryInvests/status/2016193564120588364) 2026-01-27T16:56Z [----] followers, [----] engagements "$UPST to expand social media presence. This is great - Ive been pushing for this since summer of [----] Love to see that Upstart is going in this direction 👏" [X Link](https://x.com/HenryInvests/status/2016211200158183668) 2026-01-27T18:06Z [----] followers, [----] engagements "Great read on $UPST Check out my latest $UPST analysis on @SeekingAlpha I lay the case for how $UPST's loan book is an opportunity not a threat & how an encouraging macro shaped by GDP growth & potentially more than expected rate cuts bode for its potential in FY26. Please give it a read Check out my latest $UPST analysis on @SeekingAlpha I lay the case for how $UPST's loan book is an opportunity not a threat & how an encouraging macro shaped by GDP growth & potentially more than expected rate cuts bode for its potential in FY26. Please give it a read" [X Link](https://x.com/HenryInvests/status/2016351460875804767) 2026-01-28T03:23Z [----] followers, [----] engagements "Cooking the Q4 [----] Upstart $UPST Earnings Preview" [X Link](https://x.com/HenryInvests/status/2018329094757175689) 2026-02-02T14:22Z [----] followers, [----] engagements "$UPST quarterly UMI values prior to earnings reports (some have since been revised down)" [X Link](https://x.com/HenryInvests/status/2018426883621191869) 2026-02-02T20:50Z [----] followers, [----] engagements "Duolingo $DUOL says A/B tests are prioritizing user growth and 'teaching better' over monetization. A personal example: downloaded the app a few weeks ago received a one-week free trial of Super Duolingo. Product was great. Have been in the process of moving haven't been on the app as much. I log on yesterday and am ready to get back into it Duolingo offers me another free trial. This is after I already had and completed a free week of Super Duolingo Is this an example of those A/B tests in action If Duolingo sees an engaged user it seems they are focusing very heavily on retaining that user" [X Link](https://x.com/HenryInvests/status/2018443929704690131) 2026-02-02T21:58Z [----] followers, [----] engagements "Join me this Tuesday February [--] at market close as I cover @Upstarts $UPST Q4 [----] Earnings Results 🦾 ⚡ https://x.com/i/spaces/1OdKrOXmMAXGX https://x.com/i/spaces/1OdKrOXmMAXGX" [X Link](https://x.com/HenryInvests/status/2018732257775702133) 2026-02-03T17:04Z [----] followers, [----] engagements "The @Rebellionaire Upstart $UPST Q4 [----] Earnings Preview drops in [--] minutes❗" [X Link](https://x.com/HenryInvests/status/2018754658463064203) 2026-02-03T18:33Z [----] followers, [----] engagements "@goddreng10 This is a huge deal" [X Link](https://x.com/HenryInvests/status/2018810227983090104) 2026-02-03T22:14Z [----] followers, [---] engagements "$UPST is running a $15000 sweepstakes through 2/19 for those who check their rate" [X Link](https://x.com/HenryInvests/status/2019036427628216340) 2026-02-04T13:12Z [----] followers, [----] engagements "@Gubloinvestor why PGY Upstart owns much more of the unit economics than Pagaya" [X Link](https://x.com/HenryInvests/status/2019041282342162556) 2026-02-04T13:32Z [----] followers, [---] engagements "Selling AI companies on fears that AI is too powerful 🧐" [X Link](https://x.com/HenryInvests/status/2019428171230376383) 2026-02-05T15:09Z [----] followers, [----] engagements "AI at the application layer. https://twitter.com/i/web/status/2019487692338393189 https://twitter.com/i/web/status/2019487692338393189" [X Link](https://x.com/HenryInvests/status/2019487692338393189) 2026-02-05T19:06Z [----] followers, [---] engagements "@Gubloinvestor @TheRonnieVShow $MOH" [X Link](https://x.com/HenryInvests/status/2019582388615942389) 2026-02-06T01:22Z [----] followers, [---] engagements "$UPST earnings 🤔 📈 📉 📈 📉" [X Link](https://x.com/HenryInvests/status/2019830933927665944) 2026-02-06T17:49Z [----] followers, [----] engagements "$HIMS is selling knock off compounded GLP-1s for quick revenue growth at the expense of consumer health and business longevity. Management wants to grow at all costs and ironically its going to kill their business because the regulators will always win. Weight Watchers $WW is intentionally forgoing growth by choosing to only sell FDA approved drugs which is the right long term move. Just my 2c I used to own Hims but sold out a while ago https://twitter.com/i/web/status/2019936899549282444 https://twitter.com/i/web/status/2019936899549282444" [X Link](https://x.com/HenryInvests/status/2019936899549282444) 2026-02-07T00:51Z [----] followers, [----] engagements "@jerrybaaa They are in the same space but I think theyre more different than most believe. Pagayas results dont tell us entering about Upstart imo" [X Link](https://x.com/HenryInvests/status/2020833906485047495) 2026-02-09T12:15Z [----] followers, [---] engagements "Maybe $UPST s model tightening the credit box in Q3 wasnt so bad 🤔 $PGY:" [X Link](https://x.com/HenryInvests/status/2020835015228301649) 2026-02-09T12:19Z [----] followers, 12.2K engagements "$PGY is cutting growth in exchange for profitability. Let's see what $UPST has for us tomorrow but generally their premise is they become more profitable as they grow b/c their models improve unlock more risk separation and create dynamic underwriting that comes with more pricing power https://twitter.com/i/web/status/2020840646882337028 https://twitter.com/i/web/status/2020840646882337028" [X Link](https://x.com/HenryInvests/status/2020840646882337028) 2026-02-09T12:42Z [----] followers, [----] engagements "The difference is Pagaya management is consciously making this decision whereas for Upstart it was subconscious (the models reacted autonomously). In the PGY letter they say 'While our data does not indicate consumer deterioration we have the luxury of pivoting our production' - Upstart's data (UMI) showed increased macro risk which they listened to as a part of the 'trust the model' approach https://twitter.com/i/web/status/2020842408187965880 https://twitter.com/i/web/status/2020842408187965880" [X Link](https://x.com/HenryInvests/status/2020842408187965880) 2026-02-09T12:49Z [----] followers, [---] engagements "Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty" [X Link](https://x.com/HenryInvests/status/2020857430117077358) 2026-02-09T13:48Z [----] followers, 11K engagements "This is a big deal for $PGY and $UPST - Pagaya implying that private credit and other partners pulled back and/or tightened risk profiles due to uncertainty. $UPST co-invests with partners to ensure funding is readily available across all cycles so while they absorb a lot more of the risk their funding can not disappear overnight like it did in [----]. Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty" [X Link](https://x.com/HenryInvests/status/2020857728164417609) 2026-02-09T13:50Z [----] followers, [----] engagements "@piggysensei2 Except UPST is up on the FV marks there today UMI is falling and they traded credit risk for durable funding. Im not sure" [X Link](https://x.com/HenryInvests/status/2020858441028260054) 2026-02-09T13:52Z [----] followers, [---] engagements "@Upstart See you in an hour 🫡🤞" [X Link](https://x.com/HenryInvests/status/2021313453755920735) 2026-02-10T20:00Z [----] followers, [---] engagements "https://x.com/i/spaces/1OdKrOXmMAXGX https://x.com/i/spaces/1OdKrOXmMAXGX" [X Link](https://x.com/HenryInvests/status/2021328219551498725) 2026-02-10T20:59Z [----] followers, [----] engagements "Paul Gu to become Upstart $UPST CEO May 1" [X Link](https://x.com/HenryInvests/status/2021329870429536407) 2026-02-10T21:06Z [----] followers, [----] engagements "Upstart $UPST has invested $903M into co-investment agreements current assessed value is $995M ⚡" [X Link](https://x.com/HenryInvests/status/2021337620966670578) 2026-02-10T21:36Z [----] followers, [----] engagements ""Welcome to the new era of Upstart" 🔥🔥🔥 - @davegirouard $UPST" [X Link](https://x.com/HenryInvests/status/2021338135460975088) 2026-02-10T21:39Z [----] followers, [----] engagements "Upstart $UPST launched voice LLMs for when manual verification calls are required - can you say agentic AI 😎" [X Link](https://x.com/HenryInvests/status/2021339721654542780) 2026-02-10T21:45Z [----] followers, [----] engagements "Upstart $UPST to publish monthly origination volumes Does this replace #UTPI 🤔" [X Link](https://x.com/HenryInvests/status/2021341720286556520) 2026-02-10T21:53Z [----] followers, [----] engagements "Upstart $UPST guidance assumes UMI range of 1.4-1.5 and does not account for interest rate reductions" [X Link](https://x.com/HenryInvests/status/2021342043369504890) 2026-02-10T21:54Z [----] followers, [----] engagements "Upstart $UPST $296M 4Q25 revenue Guidance: $288M Analysts: $289M Henry: $300M #UTPI does it again 🔥🔥 ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language https://t.co/KgRA6s0WRn ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP" [X Link](https://x.com/HenryInvests/status/2021342340305256541) 2026-02-10T21:55Z [----] followers, [----] engagements "Upstart $UPST expects the trend of falling R&D loans on the balance sheet to continue ⚡" [X Link](https://x.com/HenryInvests/status/2021342765112754575) 2026-02-10T21:57Z [----] followers, [----] engagements "Did you read the @Rebellionare Upstart $UPST 4Q25 Earnings Preview Nailed it 🔨 ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language https://t.co/KgRA6s0WRn ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the" [X Link](https://x.com/HenryInvests/status/2021346905251512333) 2026-02-10T22:13Z [----] followers, [----] engagements "My thoughts on the $UPST balance sheet prior to earnings: They delivered" [X Link](https://x.com/HenryInvests/status/2021346991243133292) 2026-02-10T22:14Z [----] followers, [----] engagements "Upstart $UPST funding for new products is coming from both existing and new partners Do you deepen relationships with poor credit performance 🤔" [X Link](https://x.com/HenryInvests/status/2021347289353289744) 2026-02-10T22:15Z [----] followers, [----] engagements "How hard is it for the market to understand that $UPST new products are dilutive to aggregate contribution margin but accretive to contribution dollars Plus these products can also grow at expanding margins as the underwriting gets better and risk separation increases" [X Link](https://x.com/HenryInvests/status/2021351539697504681) 2026-02-10T22:32Z [----] followers, [----] engagements "@davegirouard unreal quarter congratulations and thank you" [X Link](https://x.com/HenryInvests/status/2021353070865809626) 2026-02-10T22:38Z [----] followers, [----] engagements "@Gubloinvestor 🤔 lets see tomorrow" [X Link](https://x.com/HenryInvests/status/2021371417783136577) 2026-02-10T23:51Z [----] followers, [---] engagements "An unreal quarter for Upstart $UPST: Paul Gu to become CEO May [--] Dave Girouard to remain Chairman of the Board 🙌 1.4B FY26 revenue guidance vs 1.27B expected 35% expected topline CAGR through [----] targeting 25% adjusted EBITDA margins✅ 25.7% QoQ reduction in R&D loans 😍 70% of Q4 funding for Auto and Home came from banks credit unions and private capital partners 💸 New product funding a mix of deepening partner relationships & new partners 👏 Co-investment current value of $995M vs $903M invested 😱 . and so much more. Shares are down 1%🤔 Stay tuned for the @Rebellionaire Upstart Q4 2025" [X Link](https://x.com/HenryInvests/status/2021374758479130820) 2026-02-11T00:04Z [----] followers, [----] engagements "@TSLA_Observer Thinner contribution margins as they scale. Newer products more competed and ABS so less room for margin. Important to note that these products are still accretive to contribution dollars" [X Link](https://x.com/HenryInvests/status/2021375329286189291) 2026-02-11T00:06Z [----] followers, [---] engagements "$UPST model currently has [----] variables and 104M repayment events" [X Link](https://x.com/HenryInvests/status/2021405509413409063) 2026-02-11T02:06Z [----] followers, [----] engagements "$UPST price action is in my opinion completely nonsensical. That's my 2c. I am combing through all the materials and will obviously have more to say later. But nonetheless undeniably brutal. Not sure what more you could have asked for from Upstart this quarter" [X Link](https://x.com/HenryInvests/status/2021628728288108991) 2026-02-11T16:53Z [----] followers, [----] engagements "@Tai_Chen_Hsiang Yes true it is definitely brutal" [X Link](https://x.com/HenryInvests/status/2021630933309566989) 2026-02-11T17:02Z [----] followers, [---] engagements "@BitterFruit3 Yes - and they delivered this quarter on everything I believed they would after last quarter" [X Link](https://x.com/HenryInvests/status/2021632206477963656) 2026-02-11T17:07Z [----] followers, [---] engagements "Upstart $UPST new products Auto Home and SDL now represent 13.6% of quarterly originations up from 11.84% QoQ and 6.84% YoY" [X Link](https://x.com/HenryInvests/status/2021652194295263546) 2026-02-11T18:26Z [----] followers, [----] engagements "ICYMI: On the $UPST conference call Paul Gu talked about how Upstart is deliberately choosing not to capture all excess margin that their differentiated underwriting provides. Instead they believe they can build a much bigger business by passing those savings along to the consumer providing Upstart with much larger market share gains and a stronger brand image. https://twitter.com/i/web/status/2021688724539462081 https://twitter.com/i/web/status/2021688724539462081" [X Link](https://x.com/HenryInvests/status/2021688724539462081) 2026-02-11T20:52Z [----] followers, [----] engagements "#UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q325: [---] +45.4% Q425: [---] (1.3)% Q126: [---] 5.2% Will $UPST 🐇🎩 Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean https://t.co/R3UR5J6VNu Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we" [X Link](https://x.com/HenryInvests/status/2014691476886667541) 2026-01-23T13:27Z [----] followers, [----] engagements "⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language of management I expect to see meaningful reduction and/or the announcement of a forward flow agreement for Auto/HELOC. Underlying #UTPI and UMI trends are positive heading into the earnings report. December's [----] UMI reading was the cherry 🍒 on top. Not advice. Investing involves risk. Please consult your own financial" [X Link](https://x.com/HenryInvests/status/2018761644034199796) 2026-02-03T19:00Z [----] followers, 20.5K engagements "RT @zhangtaoSG: $UPST $APP deserve better shareholders and it gets them when the price goes down. Thats how shares move from tourists to" [X Link](https://x.com/HenryInvests/status/2021930018188956086) 2026-02-12T12:50Z [----] followers, [--] engagements "🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m" [X Link](https://x.com/HenryInvests/status/2017345071121600659) 2026-01-30T21:12Z [----] followers, [----] engagements "🚨 Upstart $UPST December UMI drops to [----] 😱" [X Link](https://x.com/HenryInvests/status/2018809762927058986) 2026-02-03T22:12Z [----] followers, [----] engagements "Upstart $UPST loans on the balance sheet fell 20% QoQ with R&D loans falling 25.7% 🔥 #fundingsecured" [X Link](https://x.com/HenryInvests/status/2021336673158860926) 2026-02-10T21:33Z [----] followers, 11.3K engagements "New Upstart $UPST origination page is pretty cool. They will publish prior month's transaction volume on the 3rd day of each month" [X Link](https://x.com/HenryInvests/status/2021403992602050857) 2026-02-11T02:00Z [----] followers, [----] engagements "Upstart $UPST Co-Investments visualized 🤔 They appear to be performing quite well with current assessed value now sitting at approximately 1.10x of cost the highest ratio yet. What is particularly notable here is the performance trajectory alongside scale. As Upstart ramped its co-investment from $160M to $900M the performance of these agreements has continuously improved. https://twitter.com/i/web/status/2021658294071570588 https://twitter.com/i/web/status/2021658294071570588" [X Link](https://x.com/HenryInvests/status/2021658294071570588) 2026-02-11T18:51Z [----] followers, [----] engagements "RT @Rebellionaire: The real issue isnt just price targets. Its that most analysts are using legacy valuation frameworks to judge AI-nati" [X Link](https://x.com/HenryInvests/status/2021720814576357841) 2026-02-11T22:59Z [----] followers, [--] engagements "$UPST new 52-week low at $31.38" [X Link](https://x.com/HenryInvests/status/2021963638513549359) 2026-02-12T15:04Z [----] followers, [----] engagements "@piggysensei2 I just don't get it because they literally delivered on the balance sheet" [X Link](https://x.com/HenryInvests/status/2021971464438853984) 2026-02-12T15:35Z [----] followers, [---] engagements "Upstart $UPST literally said this [--] months ago in their November report. Sanjay said the non-prime consumer ( 660s FICO) is in good shape having returned to similar pre-COVID default trends. However on the primer end of the spectrum (FICO 720-750) defaults remained quite elevated relative to pre-COVID levels. That's why Upstart tightened Super-Prime originations in 3Q25. They grew this quarter so perhaps their performance is improving. Maybe we'll hear more about that [--] months from now from legacy players. HIGH-INCOME AMERICANS START FALLING BEHIND ON PAYMENTS Financial stress is spreading" [X Link](https://x.com/HenryInvests/status/2022053585513517497) 2026-02-12T21:01Z [----] followers, [----] engagements "The re-rating from a fragile company lacking a clear business & funding model to the premier AI fintech with the best credit risk models will be fun to watch" [X Link](https://x.com/HenryInvests/status/2022054015660593257) 2026-02-12T21:03Z [----] followers, [----] engagements "It's Gu Time 🚦" [X Link](https://x.com/HenryInvests/status/2022062005054816333) 2026-02-12T21:35Z [----] followers, [----] engagements "We've just posted the @Rebellionaire Upstart $UPST Q4 [----] Earnings Review ⚡ In [----] Upstart achieved the lending trifecta of growth profits and credit performance. That's only possible with AI. New products Auto & HELOC scaled while balance sheet exposure reduced and funding relationships strengthened. Thinning contribution margins were long telegraphed and position Upstart to gain rapid market share as they scale. Paul Gu is now CEO Dave Girouard remains Chairman of the Board and Sanjay has transitioned to a role centered entirely on funding. It's Gu Time 🚦 - and Upstart is ready. Read the" [X Link](https://x.com/HenryInvests/status/2022371932318953684) 2026-02-13T18:06Z [----] followers, [----] engagements "Note: there is an LLM summary at the top for those looking for a quick read. Full report is inside the PDF (which was not written by LLMs 🫡)" [X Link](https://x.com/HenryInvests/status/2022373715560796337) 2026-02-13T18:14Z [----] followers, [---] engagements "On Friday Upstart $UPST filed three Form 4s indicating that board members Ciaran OKelly Kerry Cooper and Peter Bernard received shares upon RSU vesting. The filings show no open market sales and all the shares were retained. Source(s): https://ir.upstart.com/static-files/5e0e6187-dea7-4578-98e1-537fa76c7c50 https://ir.upstart.com/static-files/6ae60069-6ac3-4a60-ab65-2db469cc05f9 https://ir.upstart.com/static-files/7f8dff94-bbff-4ecc-bfa0-ac816fa6888b https://ir.upstart.com/static-files/7f8dff94-bbff-4ecc-bfa0-ac816fa6888b" [X Link](https://x.com/HenryInvests/status/2013338215545999472) 2026-01-19T19:50Z [----] followers, [----] engagements "$PGY is getting a lot of attention and for good reason. Applying AI to credit is a good business and has enormous TAM. However everyone seems rather quick to dunk on $UPST by saying Pagaya is superior. Having a less volatile business does not necessarily equate to long-term superiority. In my opinion the company with the best AI models will win in credit (although the TAM is so large many players can and will succeed). I am invested in Upstart because I believe they will be the FSD of lending - and this has been my thesis for a long time. IMO Pagaya's ML models are less autonomous than" [X Link](https://x.com/HenryInvests/status/2013664923264364932) 2026-01-20T17:28Z [----] followers, [----] engagements "$UEC https://www.reuters.com/markets/commodities/is-us-uranium-market-about-go-nuclear-2026-2026-01-14/ https://www.reuters.com/markets/commodities/is-us-uranium-market-about-go-nuclear-2026-2026-01-14/" [X Link](https://x.com/HenryInvests/status/2013802630351376436) 2026-01-21T02:35Z [----] followers, [---] engagements "Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST" [X Link](https://x.com/HenryInvests/status/2013976479718138210) 2026-01-21T14:06Z [----] followers, [----] engagements "Rize Credit Union brings $1.2B of AUM and [-----] members to the Upstart $UPST Referral Network Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST" [X Link](https://x.com/HenryInvests/status/2013979621927092689) 2026-01-21T14:18Z [----] followers, [----] engagements "Space has been a theme that is picking up a lot of steam (pun intended). 🛰🚀 I recently took a hard look at a new-ish IPO - Firefly $FLY and here are my thoughts: Firefly is a vertically integrated (they own all the manufacturing) space transportation/defense tech company that designs manufactures and operates a suite of space-driven hardware and software solutions. They have both Launch & Spacecraft products. On launch Firefly has Alpha a small lift rocket that can carry up to [----] kg to Low Earth Orbit (LEO) and Eclipse a reusable medium lift rocket in development that can carry up to" [X Link](https://x.com/HenryInvests/status/2014460423844556891) 2026-01-22T22:09Z [----] followers, [----] engagements "Data center trade just caught a lot of bids $CRWV $NBIS $BE $UEC. I am still not a believer in the GPU depreciation thesis. The core argument that the useful life of GPUs is massively overstated IMO misses the fact that not every compute or inference workload needs Blackwell/Rubin GPUs. There is a race to build as much compute as possible crypto miners are pivoting to data centers and there is a clear and obvious shortage. One could argue that existing GPUs would actually see their useful life extend until supply begins to match demand - which is unlikely to occur anytime in the foreseeable" [X Link](https://x.com/HenryInvests/status/2016188207100997943) 2026-01-27T16:35Z [----] followers, [----] engagements "In case you didnt know John Deere $DE has autonomous tractors. Clear #1 farming player by market share embracing AI 28x earnings. Look its interesting. 🚜 https://youtu.be/gXbJA1XD0tUsi=IQtIVhKvkQIx05Ge https://youtu.be/gXbJA1XD0tUsi=IQtIVhKvkQIx05Ge" [X Link](https://x.com/HenryInvests/status/2016503308270113087) 2026-01-28T13:27Z [----] followers, [----] engagements "Jerome Powell today knowing no matter what he does at #FOMC Trump's soon to be appointed banana republic fed chairman will cut rates 🍌" [X Link](https://x.com/HenryInvests/status/2016537623213363248) 2026-01-28T15:43Z [----] followers, [----] engagements "@Jay_nomoney @Rebellionaire Yes it would be a growth slowdown. Average analyst estimate is 1.27B. They are conservative on their guidance - I see them going for 1.3B and leaving some room to raise their forecast as the year progresses" [X Link](https://x.com/HenryInvests/status/2018766779355435369) 2026-02-03T19:21Z [----] followers, [---] engagements "@goddreng10 Yes I agree. The drop is substantial. Should mean previous loans are over performing as they were underwritten with higher macro risk" [X Link](https://x.com/HenryInvests/status/2018811233466712253) 2026-02-03T22:18Z [----] followers, [---] engagements "@piggysensei2 @Rebellionaire Disagree - that's above consensus and it gives them room to raise throughout the remainder of the year" [X Link](https://x.com/HenryInvests/status/2018846054653870391) 2026-02-04T00:36Z [----] followers, [---] engagements "Mizuho Securities Keeps Their Buy Rating on Upstart Holdings PT $85 $UPST" [X Link](https://x.com/HenryInvests/status/1920065266626560171) 2025-05-07T10:36Z [----] followers, [----] engagements "when youre just so passionate about something your passion creates more passion and you just continuously think about the potential of the idea youre fixating on nonstop- its an endless loop & its amazing" [X Link](https://x.com/HenryInvests/status/1930407576157532626) 2025-06-04T23:33Z [----] followers, [----] engagements "Bank of America Securities Remains a Hold on Upstart Holdings PT $56 $UPST" [X Link](https://x.com/HenryInvests/status/1934572005795242487) 2025-06-16T11:21Z [----] followers, [----] engagements "UPSTART HOLDINGS INC : MIZUHO RAISES TARGET PRICE TO $86 FROM $85 $UPST" [X Link](https://x.com/HenryInvests/status/1955235760103104644) 2025-08-12T11:51Z [----] followers, 17.9K engagements "Great to see a little more activity in here post AI Day Big welcome to @bjmtweets who is a huge asset to the $UPST community 🙌" [X Link](https://x.com/HenryInvests/status/1924080159935627398) 2025-05-18T12:30Z [----] followers, [----] engagements "UPSTART HOLDINGS INC : BOFA GLOBAL RESEARCH CUTS PRICE OBJECTIVE TO $87 FROM $88 $UPST lmao they saw those results and said $88 Nah lets cut our price target down to $87" [X Link](https://x.com/HenryInvests/status/1953052125828616240) 2025-08-06T11:14Z [----] followers, [----] engagements "@goddreng10 $300M GAAP profitable progress on balance sheet & a FY26 guide $1.3B is my guess for $UPST" [X Link](https://x.com/HenryInvests/status/2014692993576390799) 2026-01-23T13:33Z [----] followers, [----] engagements "My conversation with @Upstart CFO Sanjay Datta Friday August [--] [----] $UPST (0:00) Introduction (0:48) Market Reaction & Q2 Accomplishments (2:27) Upstart's Message to Skeptics of its AI (6:56) Upstart's Competitive Advantage (9:47) Rate Cuts & Conversion Rate (12:28) Auto Heloc & Small Dollar Loans (14:03) Upstart's Cyclicality Moving Forward (18:02) Impacts of a Recession on Upstart (26:50) Buyback Program (28:57) 100+ Partners Explanation (30:40) Scalability of Partner Growth (32:15) Message to $UPST Investors & Upstarters (34:26) Closing Remarks" [X Link](https://x.com/HenryInvests/status/1823343765852914059) 2024-08-13T13:00Z [----] followers, 92.5K engagements "Upstart Trustpilot Update 4/25/2025 $UPST The current 14-day moving average for Upstart Trustpilot reviews is [-----] up 12.46% from the end of Q1 and now tracking at 95% of Q1s peak. While not a direct percentile this indicates that momentum in Q2 is tracking closely with Q1s peak and suggests current review activity in Q2 is nearing the strongest point seen all of last quarter. For those curious about the methodology: I took each days 14d moving average from Q1 and standardized the values relative to the quarters peak (max). Then I took the current 14-day average of [-----] and applied the same" [X Link](https://x.com/anyuser/status/1915780754035953842) 2025-04-25T14:51Z [----] followers, [----] engagements "Upstart Trustpilot Index #UTPI Update 6/7 $UPST The 14d moving average for Upstart Trustpilot reviews currently sits at [-----] up 17.7% from the start of Q2. Now [--] days into Q2 heres how review counts stack up at the same point (67 days in) for both the current and past quarters: Q3 '24: [---] Q4 '24: [----] +54.0% Q1 '25: [----] +2.2% Q2 '25: [----] +33.7% Here are the total review counts: Q3 '24: [----] Q4 '24: [----] +35.8% Q1 '25: [----] +4.1% Q2 '25E: [----] +31.1% The Q2 '25 estimate (current quarter) is based off a linear regression model. There are currently [--] days left in the quarter. To hit the" [X Link](https://x.com/anyuser/status/1931400373249409374) 2025-06-07T17:18Z [----] followers, 13.4K engagements "Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean taking the 28D MA (UTPI) for each day in the quarter and dividing it by the UTPI value on the first day of the quarter (Jan 1). This allows the chart to highlight relative strength and momentum over the quarter by removing differences in absolute UTPI levels (2026 UTPI is higher than 2025). On the chart below actual Q125" [X Link](https://x.com/HenryInvests/status/2012269733735698846) 2026-01-16T21:04Z [----] followers, 12.2K engagements "2 months ago I published my analysis on $MAIA Biotechnology Inc. and the advancements they were making toward curing small-cell lung cancer. Shares are up 140% since sitting at $5.07 today after the company announced recent developments in its drug THIO-101 at ASCO (American Society of Clinical Oncology) this afternoon. Patients taking Maia's drug THIO showed a 38% ORR (Objective Response Rate) which compares to the industry average of 6-10% (which is composed of Chemotherapy). While a small sample size (3/8) THIO has the potential to change oncology and the way we view cancer. As predicted" [X Link](https://x.com/HenryInvests/status/1797721599845544189) 2024-06-03T20:06Z [----] followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@HenryInvests Henry
Henry posts on X about $upst, ai, balance sheet, products the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
- [--] Week [-------] +266%
- [--] Month [-------] +73%
- [--] Months [---------] -8.90%
- [--] Year [---------] +51%
Mentions: [--] #
- [--] Week [--] -11%
- [--] Month [---] +28%
- [--] Months [---] +7.10%
- [--] Year [-----] +49%
Followers: [-----] #
- [--] Week [-----] +0.37%
- [--] Month [-----] +0.92%
- [--] Months [-----] +13%
- [--] Year [-----] +62%
CreatorRank: [-------] #
Social Influence
Social category influence stocks 68% finance 29% countries 2% financial services 1% cryptocurrencies 1% fashion brands 1%
Social topic influence $upst #4, ai 9%, balance sheet #705, products #2601, $pgy 6%, business 5%, target 4%, in the 4%, $300m 4%, $13b 4%
Top accounts mentioned or mentioned by @goddreng10 @piggysensei2 @ghtheprophet @playsmart9 @gubloinvestor @rebellionaire @stockzombie222 @bjmtweets @kabraxfx @winnerinvestor @macneillpatrick @tai_chen_hsiang @caleb___ford @tax__accountant @capttweetz @veganhippo21 @zhangtaosg @jerrybaaa @upstart @davegirouard
Top assets mentioned Upstart Holdings, Inc. (UPST) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Bank of America (BAC) WW International, Inc. Common Stock (WW) Uranium Energy Corp. (UEC) Citigroup Inc (C) Duolingo, Inc. (DUOL) Molina Healthcare, Inc. (MOH) Hims & Hers Health, Inc. (HIMS) AppLovin Corporation (APP) Fluidity (FLY) CoreWeave, Inc (CRWV) Nebius Group N.V. Class A Ordinary Shares (NBIS) Bloom Energy Corporation (BE)
Top Social Posts
Top posts by engagements in the last [--] hours
"#UTPI and UpstartIQ predicted vs actual outcomes for Upstart's $UPST Q4 [----]. Review Rate ticked up and Revenue per Loan held steadier than expected. This caused my baseline estimate to be slightly higher than what was posted. Despite that I believe I still had the closest revenue estimate. Changes happen very quickly as Upstart is a constantly evolving and volatile business. https://twitter.com/i/web/status/2022055619767726503 https://twitter.com/i/web/status/2022055619767726503"
X Link 2026-02-12T21:10Z [----] followers, [----] engagements
"Upstart $UPST Trustpilot Reviews by Month inspired by @MacNeillPatrick 🤌"
X Link 2026-01-30T13:44Z [----] followers, [----] engagements
"JP Morgan Cuts $UPST Target Price to $57 from $65 remains BUY Bank of America Cuts $UPST Target Price to $60 from $71 remains HOLD Truist Securities Cuts $UPST Target Price to $49 from $59 remains BUY"
X Link 2026-02-11T12:57Z [----] followers, 16.8K engagements
"#UTPI vs Upstart $UPST Monthly Originations ⚡ The Upstart Trustpilot Index has been a source of incredible alpha for retail investors. I originally launched the project in October [----] simply by hand-counting daily reviews and looking for patterns. I then collaborated intensely with @garbagebutter78 to incorporate more sophisticated data analysis including the trailing 28D moving average that you've all come accustom too. UTPI insights were then fed into my model 'UpstartIQ' which has a strong track record of revenue prediction performance. Here is UTPI & UpstartIQ's performance: 3Q24:"
X Link 2026-02-11T14:59Z [----] followers, [----] engagements
"$UPST WALMART DEAL $UPST Upstart Holdings Inc. (Upstart) and OneProgress Services LLC (OnePay) a financial technology company that is majority owned by Walmart Inc. (Walmart) have entered into a one-year strategic partnership. The partnership is expected to help Upstart market consumer lending products to Walmarts customer base. As part of the partnership Upstart and OnePay will collaborate on co-branded offerings including co-branded direct mail campaigns https://twitter.com/i/web/status/1918290024048804193 https://twitter.com/i/web/status/1918290024048804193"
X Link 2025-05-02T13:02Z [----] followers, 11.1K engagements
"UPSTART HOLDINGS INC : CITIGROUP RAISES TARGET PRICE TO $100 FROM $83 $UPST"
X Link 2025-08-07T10:52Z [----] followers, 11.2K engagements
"Whats your favorite stock"
X Link 2025-12-09T20:21Z [----] followers, [----] engagements
"$WW Today Weight Watchers launched a fully integrated GLP-1 platform. They are competing directly with Hims and Hers as well as others - and I think they are positioned to win. I had a lengthy write-up on this in October and the thesis is progressing quicker than I expected. WeightWatchers is currently undergoing a massive transformation pivoting from its legacy reputation as a diet-based weight loss company into a clinically integrated weight-health platform that combines FDA-approved GLP-1 medications (very important) with its proven behavioral programs. The core of the investment thesis is"
X Link 2025-12-16T15:23Z [----] followers, [----] engagements
"BTIG Reaffirms Their Hold Rating on Upstart Holdings $UPST that BTIG 🙄 https://twitter.com/i/web/status/2008885933895024878 https://twitter.com/i/web/status/2008885933895024878"
X Link 2026-01-07T12:58Z [----] followers, [----] engagements
"The ontology behind $UPST's new revolving credit product just fully clicked for me and the disruption opportunity is so massive. This has me super excited. Upstart is about to disrupt the entire credit card industry by turning it completely on its head. Trump's proposed 10% APR cc cap will likely not go through but publicity of his stunt will be a huge tailwind for this upcoming product launch. As @zhangtaoSG said Upstart appears ready to launch a revolving credit product priced competitively on APR versus rewards. Prime borrowers enjoy credit card rewards such as cash back exclusive airport"
X Link 2026-01-27T13:29Z [----] followers, [----] engagements
"Pagaya $PGY has $265M in cash + restricted cash & $888M of 'investments in loans and securities' - 3.35x credit exposure to cash Upstart $UPST has $837M in cash + restricted cash & $1.23B of loans & $770M in co-investment partnerships - 2.39x credit exposure to cash. I'm sure this is a gross over-generalization. Upstart is definitely carrying higher risk credit. But I would love to hear some additional thoughts here. https://twitter.com/i/web/status/2016185772219445574 https://twitter.com/i/web/status/2016185772219445574"
X Link 2026-01-27T16:25Z [----] followers, [----] engagements
"Upstart's $UPST debt situation is pretty interesting. Most of it is convertible notes. They have $66M in notes due in August of this year but the next maturity isn't until [----]. Seems okay to me if they are a little debt heavy right now given the extended runway (and the fact that worst case it's dilution). Any ideas on when they start paying this back The notes due this year shouldn't be an issue & the 2032's are zero coupon. https://twitter.com/i/web/status/2016193564120588364 https://twitter.com/i/web/status/2016193564120588364"
X Link 2026-01-27T16:56Z [----] followers, [----] engagements
"$UPST to expand social media presence. This is great - Ive been pushing for this since summer of [----] Love to see that Upstart is going in this direction 👏"
X Link 2026-01-27T18:06Z [----] followers, [----] engagements
"Great read on $UPST Check out my latest $UPST analysis on @SeekingAlpha I lay the case for how $UPST's loan book is an opportunity not a threat & how an encouraging macro shaped by GDP growth & potentially more than expected rate cuts bode for its potential in FY26. Please give it a read Check out my latest $UPST analysis on @SeekingAlpha I lay the case for how $UPST's loan book is an opportunity not a threat & how an encouraging macro shaped by GDP growth & potentially more than expected rate cuts bode for its potential in FY26. Please give it a read"
X Link 2026-01-28T03:23Z [----] followers, [----] engagements
"Cooking the Q4 [----] Upstart $UPST Earnings Preview"
X Link 2026-02-02T14:22Z [----] followers, [----] engagements
"$UPST quarterly UMI values prior to earnings reports (some have since been revised down)"
X Link 2026-02-02T20:50Z [----] followers, [----] engagements
"Duolingo $DUOL says A/B tests are prioritizing user growth and 'teaching better' over monetization. A personal example: downloaded the app a few weeks ago received a one-week free trial of Super Duolingo. Product was great. Have been in the process of moving haven't been on the app as much. I log on yesterday and am ready to get back into it Duolingo offers me another free trial. This is after I already had and completed a free week of Super Duolingo Is this an example of those A/B tests in action If Duolingo sees an engaged user it seems they are focusing very heavily on retaining that user"
X Link 2026-02-02T21:58Z [----] followers, [----] engagements
"Join me this Tuesday February [--] at market close as I cover @Upstarts $UPST Q4 [----] Earnings Results 🦾 ⚡ https://x.com/i/spaces/1OdKrOXmMAXGX https://x.com/i/spaces/1OdKrOXmMAXGX"
X Link 2026-02-03T17:04Z [----] followers, [----] engagements
"The @Rebellionaire Upstart $UPST Q4 [----] Earnings Preview drops in [--] minutes❗"
X Link 2026-02-03T18:33Z [----] followers, [----] engagements
"@goddreng10 This is a huge deal"
X Link 2026-02-03T22:14Z [----] followers, [---] engagements
"$UPST is running a $15000 sweepstakes through 2/19 for those who check their rate"
X Link 2026-02-04T13:12Z [----] followers, [----] engagements
"@Gubloinvestor why PGY Upstart owns much more of the unit economics than Pagaya"
X Link 2026-02-04T13:32Z [----] followers, [---] engagements
"Selling AI companies on fears that AI is too powerful 🧐"
X Link 2026-02-05T15:09Z [----] followers, [----] engagements
"AI at the application layer. https://twitter.com/i/web/status/2019487692338393189 https://twitter.com/i/web/status/2019487692338393189"
X Link 2026-02-05T19:06Z [----] followers, [---] engagements
"@Gubloinvestor @TheRonnieVShow $MOH"
X Link 2026-02-06T01:22Z [----] followers, [---] engagements
"$UPST earnings 🤔 📈 📉 📈 📉"
X Link 2026-02-06T17:49Z [----] followers, [----] engagements
"$HIMS is selling knock off compounded GLP-1s for quick revenue growth at the expense of consumer health and business longevity. Management wants to grow at all costs and ironically its going to kill their business because the regulators will always win. Weight Watchers $WW is intentionally forgoing growth by choosing to only sell FDA approved drugs which is the right long term move. Just my 2c I used to own Hims but sold out a while ago https://twitter.com/i/web/status/2019936899549282444 https://twitter.com/i/web/status/2019936899549282444"
X Link 2026-02-07T00:51Z [----] followers, [----] engagements
"@jerrybaaa They are in the same space but I think theyre more different than most believe. Pagayas results dont tell us entering about Upstart imo"
X Link 2026-02-09T12:15Z [----] followers, [---] engagements
"Maybe $UPST s model tightening the credit box in Q3 wasnt so bad 🤔 $PGY:"
X Link 2026-02-09T12:19Z [----] followers, 12.2K engagements
"$PGY is cutting growth in exchange for profitability. Let's see what $UPST has for us tomorrow but generally their premise is they become more profitable as they grow b/c their models improve unlock more risk separation and create dynamic underwriting that comes with more pricing power https://twitter.com/i/web/status/2020840646882337028 https://twitter.com/i/web/status/2020840646882337028"
X Link 2026-02-09T12:42Z [----] followers, [----] engagements
"The difference is Pagaya management is consciously making this decision whereas for Upstart it was subconscious (the models reacted autonomously). In the PGY letter they say 'While our data does not indicate consumer deterioration we have the luxury of pivoting our production' - Upstart's data (UMI) showed increased macro risk which they listened to as a part of the 'trust the model' approach https://twitter.com/i/web/status/2020842408187965880 https://twitter.com/i/web/status/2020842408187965880"
X Link 2026-02-09T12:49Z [----] followers, [---] engagements
"Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty"
X Link 2026-02-09T13:48Z [----] followers, 11K engagements
"This is a big deal for $PGY and $UPST - Pagaya implying that private credit and other partners pulled back and/or tightened risk profiles due to uncertainty. $UPST co-invests with partners to ensure funding is readily available across all cycles so while they absorb a lot more of the risk their funding can not disappear overnight like it did in [----]. Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty Now $PGY saying that their light volumes were driven by a risk appetite change from partners in light of uncertainty"
X Link 2026-02-09T13:50Z [----] followers, [----] engagements
"@piggysensei2 Except UPST is up on the FV marks there today UMI is falling and they traded credit risk for durable funding. Im not sure"
X Link 2026-02-09T13:52Z [----] followers, [---] engagements
"@Upstart See you in an hour 🫡🤞"
X Link 2026-02-10T20:00Z [----] followers, [---] engagements
"https://x.com/i/spaces/1OdKrOXmMAXGX https://x.com/i/spaces/1OdKrOXmMAXGX"
X Link 2026-02-10T20:59Z [----] followers, [----] engagements
"Paul Gu to become Upstart $UPST CEO May 1"
X Link 2026-02-10T21:06Z [----] followers, [----] engagements
"Upstart $UPST has invested $903M into co-investment agreements current assessed value is $995M ⚡"
X Link 2026-02-10T21:36Z [----] followers, [----] engagements
""Welcome to the new era of Upstart" 🔥🔥🔥 - @davegirouard $UPST"
X Link 2026-02-10T21:39Z [----] followers, [----] engagements
"Upstart $UPST launched voice LLMs for when manual verification calls are required - can you say agentic AI 😎"
X Link 2026-02-10T21:45Z [----] followers, [----] engagements
"Upstart $UPST to publish monthly origination volumes Does this replace #UTPI 🤔"
X Link 2026-02-10T21:53Z [----] followers, [----] engagements
"Upstart $UPST guidance assumes UMI range of 1.4-1.5 and does not account for interest rate reductions"
X Link 2026-02-10T21:54Z [----] followers, [----] engagements
"Upstart $UPST $296M 4Q25 revenue Guidance: $288M Analysts: $289M Henry: $300M #UTPI does it again 🔥🔥 ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language https://t.co/KgRA6s0WRn ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP"
X Link 2026-02-10T21:55Z [----] followers, [----] engagements
"Upstart $UPST expects the trend of falling R&D loans on the balance sheet to continue ⚡"
X Link 2026-02-10T21:57Z [----] followers, [----] engagements
"Did you read the @Rebellionare Upstart $UPST 4Q25 Earnings Preview Nailed it 🔨 ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language https://t.co/KgRA6s0WRn ⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the"
X Link 2026-02-10T22:13Z [----] followers, [----] engagements
"My thoughts on the $UPST balance sheet prior to earnings: They delivered"
X Link 2026-02-10T22:14Z [----] followers, [----] engagements
"Upstart $UPST funding for new products is coming from both existing and new partners Do you deepen relationships with poor credit performance 🤔"
X Link 2026-02-10T22:15Z [----] followers, [----] engagements
"How hard is it for the market to understand that $UPST new products are dilutive to aggregate contribution margin but accretive to contribution dollars Plus these products can also grow at expanding margins as the underwriting gets better and risk separation increases"
X Link 2026-02-10T22:32Z [----] followers, [----] engagements
"@davegirouard unreal quarter congratulations and thank you"
X Link 2026-02-10T22:38Z [----] followers, [----] engagements
"@Gubloinvestor 🤔 lets see tomorrow"
X Link 2026-02-10T23:51Z [----] followers, [---] engagements
"An unreal quarter for Upstart $UPST: Paul Gu to become CEO May [--] Dave Girouard to remain Chairman of the Board 🙌 1.4B FY26 revenue guidance vs 1.27B expected 35% expected topline CAGR through [----] targeting 25% adjusted EBITDA margins✅ 25.7% QoQ reduction in R&D loans 😍 70% of Q4 funding for Auto and Home came from banks credit unions and private capital partners 💸 New product funding a mix of deepening partner relationships & new partners 👏 Co-investment current value of $995M vs $903M invested 😱 . and so much more. Shares are down 1%🤔 Stay tuned for the @Rebellionaire Upstart Q4 2025"
X Link 2026-02-11T00:04Z [----] followers, [----] engagements
"@TSLA_Observer Thinner contribution margins as they scale. Newer products more competed and ABS so less room for margin. Important to note that these products are still accretive to contribution dollars"
X Link 2026-02-11T00:06Z [----] followers, [---] engagements
"$UPST model currently has [----] variables and 104M repayment events"
X Link 2026-02-11T02:06Z [----] followers, [----] engagements
"$UPST price action is in my opinion completely nonsensical. That's my 2c. I am combing through all the materials and will obviously have more to say later. But nonetheless undeniably brutal. Not sure what more you could have asked for from Upstart this quarter"
X Link 2026-02-11T16:53Z [----] followers, [----] engagements
"@Tai_Chen_Hsiang Yes true it is definitely brutal"
X Link 2026-02-11T17:02Z [----] followers, [---] engagements
"@BitterFruit3 Yes - and they delivered this quarter on everything I believed they would after last quarter"
X Link 2026-02-11T17:07Z [----] followers, [---] engagements
"Upstart $UPST new products Auto Home and SDL now represent 13.6% of quarterly originations up from 11.84% QoQ and 6.84% YoY"
X Link 2026-02-11T18:26Z [----] followers, [----] engagements
"ICYMI: On the $UPST conference call Paul Gu talked about how Upstart is deliberately choosing not to capture all excess margin that their differentiated underwriting provides. Instead they believe they can build a much bigger business by passing those savings along to the consumer providing Upstart with much larger market share gains and a stronger brand image. https://twitter.com/i/web/status/2021688724539462081 https://twitter.com/i/web/status/2021688724539462081"
X Link 2026-02-11T20:52Z [----] followers, [----] engagements
"#UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q325: [---] +45.4% Q425: [---] (1.3)% Q126: [---] 5.2% Will $UPST 🐇🎩 Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean https://t.co/R3UR5J6VNu Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we"
X Link 2026-01-23T13:27Z [----] followers, [----] engagements
"⚡Upstart $UPST Q4 [----] Earnings Preview For Q4 [----] I believe Upstart will post $300M in revenue. For Q1 [----] I believe Upstart will guide for $300M in revenue and $1.3B in FY26 revenue. GAAP profits as well. On the balance sheet - it is a total wildcard. Given the language of management I expect to see meaningful reduction and/or the announcement of a forward flow agreement for Auto/HELOC. Underlying #UTPI and UMI trends are positive heading into the earnings report. December's [----] UMI reading was the cherry 🍒 on top. Not advice. Investing involves risk. Please consult your own financial"
X Link 2026-02-03T19:00Z [----] followers, 20.5K engagements
"RT @zhangtaoSG: $UPST $APP deserve better shareholders and it gets them when the price goes down. Thats how shares move from tourists to"
X Link 2026-02-12T12:50Z [----] followers, [--] engagements
"🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m"
X Link 2026-01-30T21:12Z [----] followers, [----] engagements
"🚨 Upstart $UPST December UMI drops to [----] 😱"
X Link 2026-02-03T22:12Z [----] followers, [----] engagements
"Upstart $UPST loans on the balance sheet fell 20% QoQ with R&D loans falling 25.7% 🔥 #fundingsecured"
X Link 2026-02-10T21:33Z [----] followers, 11.3K engagements
"New Upstart $UPST origination page is pretty cool. They will publish prior month's transaction volume on the 3rd day of each month"
X Link 2026-02-11T02:00Z [----] followers, [----] engagements
"Upstart $UPST Co-Investments visualized 🤔 They appear to be performing quite well with current assessed value now sitting at approximately 1.10x of cost the highest ratio yet. What is particularly notable here is the performance trajectory alongside scale. As Upstart ramped its co-investment from $160M to $900M the performance of these agreements has continuously improved. https://twitter.com/i/web/status/2021658294071570588 https://twitter.com/i/web/status/2021658294071570588"
X Link 2026-02-11T18:51Z [----] followers, [----] engagements
"RT @Rebellionaire: The real issue isnt just price targets. Its that most analysts are using legacy valuation frameworks to judge AI-nati"
X Link 2026-02-11T22:59Z [----] followers, [--] engagements
"$UPST new 52-week low at $31.38"
X Link 2026-02-12T15:04Z [----] followers, [----] engagements
"@piggysensei2 I just don't get it because they literally delivered on the balance sheet"
X Link 2026-02-12T15:35Z [----] followers, [---] engagements
"Upstart $UPST literally said this [--] months ago in their November report. Sanjay said the non-prime consumer ( 660s FICO) is in good shape having returned to similar pre-COVID default trends. However on the primer end of the spectrum (FICO 720-750) defaults remained quite elevated relative to pre-COVID levels. That's why Upstart tightened Super-Prime originations in 3Q25. They grew this quarter so perhaps their performance is improving. Maybe we'll hear more about that [--] months from now from legacy players. HIGH-INCOME AMERICANS START FALLING BEHIND ON PAYMENTS Financial stress is spreading"
X Link 2026-02-12T21:01Z [----] followers, [----] engagements
"The re-rating from a fragile company lacking a clear business & funding model to the premier AI fintech with the best credit risk models will be fun to watch"
X Link 2026-02-12T21:03Z [----] followers, [----] engagements
"It's Gu Time 🚦"
X Link 2026-02-12T21:35Z [----] followers, [----] engagements
"We've just posted the @Rebellionaire Upstart $UPST Q4 [----] Earnings Review ⚡ In [----] Upstart achieved the lending trifecta of growth profits and credit performance. That's only possible with AI. New products Auto & HELOC scaled while balance sheet exposure reduced and funding relationships strengthened. Thinning contribution margins were long telegraphed and position Upstart to gain rapid market share as they scale. Paul Gu is now CEO Dave Girouard remains Chairman of the Board and Sanjay has transitioned to a role centered entirely on funding. It's Gu Time 🚦 - and Upstart is ready. Read the"
X Link 2026-02-13T18:06Z [----] followers, [----] engagements
"Note: there is an LLM summary at the top for those looking for a quick read. Full report is inside the PDF (which was not written by LLMs 🫡)"
X Link 2026-02-13T18:14Z [----] followers, [---] engagements
"On Friday Upstart $UPST filed three Form 4s indicating that board members Ciaran OKelly Kerry Cooper and Peter Bernard received shares upon RSU vesting. The filings show no open market sales and all the shares were retained. Source(s): https://ir.upstart.com/static-files/5e0e6187-dea7-4578-98e1-537fa76c7c50 https://ir.upstart.com/static-files/6ae60069-6ac3-4a60-ab65-2db469cc05f9 https://ir.upstart.com/static-files/7f8dff94-bbff-4ecc-bfa0-ac816fa6888b https://ir.upstart.com/static-files/7f8dff94-bbff-4ecc-bfa0-ac816fa6888b"
X Link 2026-01-19T19:50Z [----] followers, [----] engagements
"$PGY is getting a lot of attention and for good reason. Applying AI to credit is a good business and has enormous TAM. However everyone seems rather quick to dunk on $UPST by saying Pagaya is superior. Having a less volatile business does not necessarily equate to long-term superiority. In my opinion the company with the best AI models will win in credit (although the TAM is so large many players can and will succeed). I am invested in Upstart because I believe they will be the FSD of lending - and this has been my thesis for a long time. IMO Pagaya's ML models are less autonomous than"
X Link 2026-01-20T17:28Z [----] followers, [----] engagements
"$UEC https://www.reuters.com/markets/commodities/is-us-uranium-market-about-go-nuclear-2026-2026-01-14/ https://www.reuters.com/markets/commodities/is-us-uranium-market-about-go-nuclear-2026-2026-01-14/"
X Link 2026-01-21T02:35Z [----] followers, [---] engagements
"Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST"
X Link 2026-01-21T14:06Z [----] followers, [----] engagements
"Rize Credit Union brings $1.2B of AUM and [-----] members to the Upstart $UPST Referral Network Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California $UPST"
X Link 2026-01-21T14:18Z [----] followers, [----] engagements
"Space has been a theme that is picking up a lot of steam (pun intended). 🛰🚀 I recently took a hard look at a new-ish IPO - Firefly $FLY and here are my thoughts: Firefly is a vertically integrated (they own all the manufacturing) space transportation/defense tech company that designs manufactures and operates a suite of space-driven hardware and software solutions. They have both Launch & Spacecraft products. On launch Firefly has Alpha a small lift rocket that can carry up to [----] kg to Low Earth Orbit (LEO) and Eclipse a reusable medium lift rocket in development that can carry up to"
X Link 2026-01-22T22:09Z [----] followers, [----] engagements
"Data center trade just caught a lot of bids $CRWV $NBIS $BE $UEC. I am still not a believer in the GPU depreciation thesis. The core argument that the useful life of GPUs is massively overstated IMO misses the fact that not every compute or inference workload needs Blackwell/Rubin GPUs. There is a race to build as much compute as possible crypto miners are pivoting to data centers and there is a clear and obvious shortage. One could argue that existing GPUs would actually see their useful life extend until supply begins to match demand - which is unlikely to occur anytime in the foreseeable"
X Link 2026-01-27T16:35Z [----] followers, [----] engagements
"In case you didnt know John Deere $DE has autonomous tractors. Clear #1 farming player by market share embracing AI 28x earnings. Look its interesting. 🚜 https://youtu.be/gXbJA1XD0tUsi=IQtIVhKvkQIx05Ge https://youtu.be/gXbJA1XD0tUsi=IQtIVhKvkQIx05Ge"
X Link 2026-01-28T13:27Z [----] followers, [----] engagements
"Jerome Powell today knowing no matter what he does at #FOMC Trump's soon to be appointed banana republic fed chairman will cut rates 🍌"
X Link 2026-01-28T15:43Z [----] followers, [----] engagements
"@Jay_nomoney @Rebellionaire Yes it would be a growth slowdown. Average analyst estimate is 1.27B. They are conservative on their guidance - I see them going for 1.3B and leaving some room to raise their forecast as the year progresses"
X Link 2026-02-03T19:21Z [----] followers, [---] engagements
"@goddreng10 Yes I agree. The drop is substantial. Should mean previous loans are over performing as they were underwritten with higher macro risk"
X Link 2026-02-03T22:18Z [----] followers, [---] engagements
"@piggysensei2 @Rebellionaire Disagree - that's above consensus and it gives them room to raise throughout the remainder of the year"
X Link 2026-02-04T00:36Z [----] followers, [---] engagements
"Mizuho Securities Keeps Their Buy Rating on Upstart Holdings PT $85 $UPST"
X Link 2025-05-07T10:36Z [----] followers, [----] engagements
"when youre just so passionate about something your passion creates more passion and you just continuously think about the potential of the idea youre fixating on nonstop- its an endless loop & its amazing"
X Link 2025-06-04T23:33Z [----] followers, [----] engagements
"Bank of America Securities Remains a Hold on Upstart Holdings PT $56 $UPST"
X Link 2025-06-16T11:21Z [----] followers, [----] engagements
"UPSTART HOLDINGS INC : MIZUHO RAISES TARGET PRICE TO $86 FROM $85 $UPST"
X Link 2025-08-12T11:51Z [----] followers, 17.9K engagements
"Great to see a little more activity in here post AI Day Big welcome to @bjmtweets who is a huge asset to the $UPST community 🙌"
X Link 2025-05-18T12:30Z [----] followers, [----] engagements
"UPSTART HOLDINGS INC : BOFA GLOBAL RESEARCH CUTS PRICE OBJECTIVE TO $87 FROM $88 $UPST lmao they saw those results and said $88 Nah lets cut our price target down to $87"
X Link 2025-08-06T11:14Z [----] followers, [----] engagements
"@goddreng10 $300M GAAP profitable progress on balance sheet & a FY26 guide $1.3B is my guess for $UPST"
X Link 2026-01-23T13:33Z [----] followers, [----] engagements
"My conversation with @Upstart CFO Sanjay Datta Friday August [--] [----] $UPST (0:00) Introduction (0:48) Market Reaction & Q2 Accomplishments (2:27) Upstart's Message to Skeptics of its AI (6:56) Upstart's Competitive Advantage (9:47) Rate Cuts & Conversion Rate (12:28) Auto Heloc & Small Dollar Loans (14:03) Upstart's Cyclicality Moving Forward (18:02) Impacts of a Recession on Upstart (26:50) Buyback Program (28:57) 100+ Partners Explanation (30:40) Scalability of Partner Growth (32:15) Message to $UPST Investors & Upstarters (34:26) Closing Remarks"
X Link 2024-08-13T13:00Z [----] followers, 92.5K engagements
"Upstart Trustpilot Update 4/25/2025 $UPST The current 14-day moving average for Upstart Trustpilot reviews is [-----] up 12.46% from the end of Q1 and now tracking at 95% of Q1s peak. While not a direct percentile this indicates that momentum in Q2 is tracking closely with Q1s peak and suggests current review activity in Q2 is nearing the strongest point seen all of last quarter. For those curious about the methodology: I took each days 14d moving average from Q1 and standardized the values relative to the quarters peak (max). Then I took the current 14-day average of [-----] and applied the same"
X Link 2025-04-25T14:51Z [----] followers, [----] engagements
"Upstart Trustpilot Index #UTPI Update 6/7 $UPST The 14d moving average for Upstart Trustpilot reviews currently sits at [-----] up 17.7% from the start of Q2. Now [--] days into Q2 heres how review counts stack up at the same point (67 days in) for both the current and past quarters: Q3 '24: [---] Q4 '24: [----] +54.0% Q1 '25: [----] +2.2% Q2 '25: [----] +33.7% Here are the total review counts: Q3 '24: [----] Q4 '24: [----] +35.8% Q1 '25: [----] +4.1% Q2 '25E: [----] +31.1% The Q2 '25 estimate (current quarter) is based off a linear regression model. There are currently [--] days left in the quarter. To hit the"
X Link 2025-06-07T17:18Z [----] followers, 13.4K engagements
"Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean taking the 28D MA (UTPI) for each day in the quarter and dividing it by the UTPI value on the first day of the quarter (Jan 1). This allows the chart to highlight relative strength and momentum over the quarter by removing differences in absolute UTPI levels (2026 UTPI is higher than 2025). On the chart below actual Q125"
X Link 2026-01-16T21:04Z [----] followers, 12.2K engagements
"2 months ago I published my analysis on $MAIA Biotechnology Inc. and the advancements they were making toward curing small-cell lung cancer. Shares are up 140% since sitting at $5.07 today after the company announced recent developments in its drug THIO-101 at ASCO (American Society of Clinical Oncology) this afternoon. Patients taking Maia's drug THIO showed a 38% ORR (Objective Response Rate) which compares to the industry average of 6-10% (which is composed of Chemotherapy). While a small sample size (3/8) THIO has the potential to change oncology and the way we view cancer. As predicted"
X Link 2024-06-03T20:06Z [----] followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing