# ![@HenryInvests Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1405936339753787393.png) @HenryInvests Henry

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

### Engagements: [----------] [#](/creator/twitter::1405936339753787393/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1405936339753787393/c:line/m:interactions.svg)

- [--] Week [-------] +266%
- [--] Month [-------] +73%
- [--] Months [---------] -8.90%
- [--] Year [---------] +51%

### Mentions: [--] [#](/creator/twitter::1405936339753787393/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1405936339753787393/c:line/m:posts_active.svg)

- [--] Week [--] -11%
- [--] Month [---] +28%
- [--] Months [---] +7.10%
- [--] Year [-----] +49%

### Followers: [-----------] [#](/creator/twitter::1405936339753787393/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1405936339753787393/c:line/m:followers.svg)

- [--] Week [-----] +0.37%
- [--] Month [-----] +0.92%
- [--] Months [-----] +13%
- [--] Year [-----] +62%

### CreatorRank: [-------] [#](/creator/twitter::1405936339753787393/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1405936339753787393/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [cryptocurrencies](/list/cryptocurrencies)  [countries](/list/countries)  [social networks](/list/social-networks)  [automotive brands](/list/automotive-brands)  [celebrities](/list/celebrities)  [financial services](/list/financial-services)  [exchanges](/list/exchanges) 

**Social topic influence**
[$upst](/topic/$upst) #2, [$lmnd](/topic/$lmnd), [balance sheet](/topic/balance-sheet) #481, [$grnd](/topic/$grnd), [ai](/topic/ai), [stocks](/topic/stocks), [rates](/topic/rates), [credit union](/topic/credit-union), [debt](/topic/debt) #1410, [$sofi](/topic/$sofi)

**Top accounts mentioned or mentioned by**
[@upstart](/creator/undefined) [@davegirouard](/creator/undefined) [@rebellionaire](/creator/undefined) [@veganhippo21](/creator/undefined) [@garbagebutter78](/creator/undefined) [@playsmart9](/creator/undefined) [@goddreng10](/creator/undefined) [@zastocks](/creator/undefined) [@upstarts](/creator/undefined) [@mapletreecap](/creator/undefined) [@bjmtweets](/creator/undefined) [@sonyabanerjee](/creator/undefined) [@frugalbuck](/creator/undefined) [@boilerjoe99](/creator/undefined) [@wayne81573](/creator/undefined) [@piggysensei2](/creator/undefined) [@x0cade](/creator/undefined) [@paulxgu](/creator/undefined) [@nachonnmdr](/creator/undefined) [@ghtheprophet](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Lemonade, Inc. (LMND)](/topic/$lmnd) [SuperWalk (GRND)](/topic/$grnd) [RAI Finance (SOFI)](/topic/$sofi) [Palantir Technologies Inc. (PLTR)](/topic/$pltr) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Crocs, Inc. (CROX)](/topic/$crox) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Lyft, Inc. Class A Common Stock (LYFT)](/topic/$lyft) [T Rowe Price Group Inc (TROW)](/topic/$trow) [Tesla, Inc. (TSLA)](/topic/$tsla) [Goldman Sachs (GS)](/topic/goldman-sachs) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Uranium Energy Corp. (UEC)](/topic/$uec) [CoreWeave, Inc (CRWV)](/topic/$crwv) [Academy Sports & Outdoors, Inc. (ASO)](/topic/$aso) [Rocket Lab USA, Inc. Common Stock (RKLB)](/topic/$rklb) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Enphase Energy Inc (ENPH)](/topic/$enph) [Netflix Inc (NFLX)](/topic/$nflx) [Dave Inc. (DAVE)](/topic/$dave) [SPDR S&P [---] ETF Trust (SPY)](/topic/$spy) [VICI Properties, Inc. (VICI)](/topic/$vici) [GameStop, Corp. (GME)](/topic/$gme) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Duolingo, Inc.  (DUOL)](/topic/$duol) [DisChain (DIS)](/topic/$dis) [Gains (GAINS)](/topic/gains) [Morgan Stanley (MS)](/topic/morgan-stanley) [Walmart, Inc. (WMT)](/topic/$wmt) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Bet $10 at the @VenetianVegas on the @RamsNFL to win the super bowl +1100 in august. Need this $$$$ to buy the fucking dip $USPT $TSLA"  
[X Link](https://x.com/HenryInvests/status/1492614705193664512)  2022-02-12T21:40Z [----] followers, [--] engagements


"These are the clowns 🤡 that deserve to lose. This is unacceptable and downright disgusting. $TSLA $USPT $QQQ $SPY"  
[X Link](https://x.com/HenryInvests/status/1504459032928653313)  2022-03-17T14:05Z [----] followers, [--] engagements


"$PLTR is a great company but a poor stock. Too much SBC and companies IR team cant sell the vision to wallstreet"  
[X Link](https://x.com/HenryInvests/status/1604241059927982080)  2022-12-17T22:24Z [----] followers, [---] engagements


"$SOFI loan origination came in weak. Worth watching $UPST"  
[X Link](https://x.com/HenryInvests/status/1620065422270959616)  2023-01-30T14:24Z [----] followers, [---] engagements


"The Man The Myth The Legend Alex Karp. $PLTR"  
[X Link](https://x.com/HenryInvests/status/1630010800185147393)  2023-02-27T01:03Z [----] followers, [----] engagements


"New world reserve currency $COST"  
[X Link](https://x.com/HenryInvests/status/1643679580975243264)  2023-04-05T18:18Z [----] followers, [----] engagements


"um we are in a huge consumer staples bubble dividend investors are gonna hate me for saying it Stocks get RISKIER the HIGHER they go $wmt $pg $ko $pep"  
[X Link](https://x.com/HenryInvests/status/1647971865628151809)  2023-04-17T14:34Z [----] followers, [----] engagements


"The Federal Reserve can delay innovation. But they cant stop it. $UPST $PLTR $SOFI $TSLA"  
[X Link](https://x.com/HenryInvests/status/1648839861372088322)  2023-04-20T00:03Z [----] followers, [----] engagements


"Where are you on the $PLTR hierarchy @Frugalbuck"  
[X Link](https://x.com/HenryInvests/status/1650608126541053953)  2023-04-24T21:10Z [----] followers, 16.5K engagements


"I have witnessed the greatness in person. $cost"  
[X Link](https://x.com/HenryInvests/status/1651002774681792512)  2023-04-25T23:18Z [----] followers, [----] engagements


"$SCHW & $PYPL are falling knives I want to catch Pls talk me out of it"  
[X Link](https://x.com/HenryInvests/status/1656358301846650880)  2023-05-10T17:59Z [----] followers, 20.1K engagements


"@hullsstreetwolf No but checked it out"  
[X Link](https://x.com/HenryInvests/status/1658588022542049280)  2023-05-16T21:39Z [----] followers, [--] engagements


"@Investingcom $googl"  
[X Link](https://x.com/HenryInvests/status/1660406371139854336)  2023-05-21T22:05Z [----] followers, [--] engagements


"@PositivelyPass1 Is this relatively the same last couple q Good analysis. Like I said dont quote me. Enb appears to have strong Capital position either way as debt is low rate"  
[X Link](https://x.com/HenryInvests/status/1661143221987323905)  2023-05-23T22:53Z [----] followers, [--] engagements


"Sold my Palantir $PLTR 63% gain. A win is a win. Cant go broke taking gains"  
[X Link](https://x.com/HenryInvests/status/1661479975852347392)  2023-05-24T21:11Z [----] followers, 26.3K engagements


"Bought back my Palantir that I sold 5% higher. Can yall chill out now $pltr"  
[X Link](https://x.com/HenryInvests/status/1661848869565616131)  2023-05-25T21:37Z [----] followers, [----] engagements


"The single biggest catalyst for $SOFI stock is here. This one will be up 20% on Tuesday. Pay back your loans This shouldnt be controversial"  
[X Link](https://x.com/HenryInvests/status/1662857790208061484)  2023-05-28T16:26Z [----] followers, [--] engagements


"Lets GO $SOFI bulls So many of you here on Twitter. You guys deserve this & much more. Proud owner of a couple hundred shares"  
[X Link](https://x.com/HenryInvests/status/1663971050814619663)  2023-05-31T18:09Z [----] followers, [--] engagements


"Its finally June which means I can deposit more money into my brokerage accounts Heres what Im looking to add (LONG term investing) 1.) $ASO 2.) $VICI 3.) $TROW Thanks for listening to my Ted Talk"  
[X Link](https://x.com/HenryInvests/status/1664287573081047043)  2023-06-01T15:07Z [----] followers, [--] engagements


"Why would anyone evaluate credit-worthiness with $FICO when $UPST assesses risk 4x better Additionally In [----] the Upstart model approved: 43% more black borrowers and 46% more Hispanic borrowers than a traditional model at APRs that were respectively 24% and 25% lower on average than a traditional model(Upstart ESG Report)"  
[X Link](https://x.com/HenryInvests/status/1665016084452237312)  2023-06-03T15:22Z [----] followers, [----] engagements


"@EndicottInvests My top [--] $UPST $PLTR $SOFI $RKLB $LMND"  
[X Link](https://x.com/HenryInvests/status/1665047563781677057)  2023-06-03T17:27Z [----] followers, [--] engagements


"@jamesbulltard7 Will have a $RIVN chart"  
[X Link](https://x.com/HenryInvests/status/1669365066540392449)  2023-06-15T15:23Z [----] followers, [--] engagements


"As a [--] y/o investor Im often asked what my investing strategy is. How do I balance ETFs/growth I think the answers will surprise you. Here you can see my real-time allocations to ETFs $UPST $LMND $GOOGL $ASO & more. I will be updating this portfolio with all future buys/sells. Once I have some subscribers I will post analysis behind each holding and trade"  
[X Link](https://x.com/HenryInvests/status/1671123458443431937)  2023-06-20T11:50Z [----] followers, [---] engagements


"@DividendTalks 😂😂 shares outstanding increased - thats a red flag That is how REITs grow name any single one look at $o. They dilute to raise cash & pay dividends versus taking on additional debt"  
[X Link](https://x.com/HenryInvests/status/1671473252303085570)  2023-06-21T11:07Z [----] followers, [---] engagements


"Sold $SOFI $9 CC exp tomorrow for .05 Famous last words"  
[X Link](https://x.com/HenryInvests/status/1671932574652940297)  2023-06-22T17:29Z [----] followers, [----] engagements


"@amitisinvesting Amit- Im sure youve evaluated $hood extensively & it probably is a good investment but what they did with $gme & $amc is unforgivable. That shouldnt prevent anyone from investing & making money but cant be swept under the rug or just dismissed IMO"  
[X Link](https://x.com/HenryInvests/status/1671954944700678151)  2023-06-22T19:03Z [----] followers, [----] engagements


"I happen to think $TROW is a rather fine asset manager & remains unjustly beat up. As market recovers AUM & deposits will grow and this one will have more eyes on it. Very good dividend history & a yield of around 4.30% is phenomenal. I would like to get to [---] shares soon and"  
[X Link](https://x.com/HenryInvests/status/1671972850477981697)  2023-06-22T20:10Z [----] followers, [---] engagements


"Have been very hesitant to increase exposure to my growth names such as $UPST $LMND $SOFI $RKLB. Taking time this weekend to review each thesis & may add more on these large pullbacks. I am torn hate the idea of being overexposed but also think I could be spread too thin"  
[X Link](https://x.com/HenryInvests/status/1672239541573521411)  2023-06-23T13:54Z [----] followers, [---] engagements


"@OwenDeBoard2 I know you missed me 😘"  
[X Link](https://x.com/HenryInvests/status/1672335631106871296)  2023-06-23T20:07Z [----] followers, [--] engagements


"@Davidknowsbetr @OwenDeBoard2 Powell wants asset prices down to tame inflation expectations. What the fed says and what they do are [--] different things"  
[X Link](https://x.com/HenryInvests/status/1672344984086007809)  2023-06-23T20:46Z [----] followers, [--] engagements


"@JRDividends 🤣🤣🤣🤣 Just remember because they raised the interest rates you get 50% less house"  
[X Link](https://x.com/HenryInvests/status/1672993474252009474)  2023-06-25T15:41Z [----] followers, [--] engagements


"So with the $SLG news Can you really sit here and say @Frugalbuck isnt one of the smartest people on this platform Eddie called bottom on $UPST with me hit the low on $SOFI saw massive gains in $PLTR & now obv $slg 🔥"  
[X Link](https://x.com/HenryInvests/status/1673327412908634113)  2023-06-26T13:57Z [----] followers, [----] engagements


"Just borrowed against my house to buy this once in a lifetime $NVDA dip"  
[X Link](https://x.com/HenryInvests/status/1673369100863565824)  2023-06-26T16:36Z [----] followers, [----] engagements


"Lol @ everyone taking credit for things they called but had no exposure to"  
[X Link](https://x.com/HenryInvests/status/1673857054677651459)  2023-06-28T01:22Z [----] followers, [---] engagements


"@amitisinvesting Whats the short thesis That it should trade at book"  
[X Link](https://x.com/HenryInvests/status/1674098039231770625)  2023-06-29T02:08Z [----] followers, [----] engagements


"@amitisinvesting @DataDInvesting Seems like thats a crowded trade Next leg inbound after ER"  
[X Link](https://x.com/anyuser/status/1674098397844733955)  2023-06-28T16:58Z [--] followers, [---] engagements


"Supreme Court student loan decision in [--] minutes $SOFI"  
[X Link](https://x.com/HenryInvests/status/1674415126743531521)  2023-06-29T13:55Z [----] followers, [----] engagements


"Just bought some $Schw calls"  
[X Link](https://x.com/HenryInvests/status/1674423087155273728)  2023-06-29T14:24Z [----] followers, [---] engagements


"Sold $sofi cc [----] exp tomorrow"  
[X Link](https://x.com/HenryInvests/status/1674423890217676801)  2023-06-29T14:32Z [----] followers, [----] engagements


"$SCHW RUN BABYYYY"  
[X Link](https://x.com/HenryInvests/status/1674453469044809728)  2023-06-29T16:27Z [----] followers, [---] engagements


"$o bulls trying to cope is hilarious. Trades at [----] levels. BuT thE DiviDenD Laughable"  
[X Link](https://x.com/HenryInvests/status/1675666154587578368)  2023-07-03T00:41Z [----] followers, [--] engagements


"@DividendCactus $VOO $TROW $UPST"  
[X Link](https://x.com/HenryInvests/status/1676420057226682370)  2023-07-05T02:37Z [----] followers, [--] engagements


"@Veganhippo21 I was looking to sell this morning too haha"  
[X Link](https://x.com/HenryInvests/status/1676594911733243908)  2023-07-05T14:12Z [----] followers, [--] engagements


"Dear God $intc"  
[X Link](https://x.com/HenryInvests/status/1677326613262786564)  2023-07-08T03:03Z [----] followers, [----] engagements


"If I say buy Realty Income $O does that mean I get lots of followers Thats how it works right Tell ppl what they want to hear This has gone really nowhere. I get that you receive a 5.5% dividends but O has massively underperformed $SPY Since Jan [----] - now yearly returns (INCLUDING DIVIDENDS) are $O = 5.97% $SPY = 11.73% I think O sucks unless youre an older individual who needs steady income to live (in which case a bond may be better). Let the chaos in the comments begin #divtwit"  
[X Link](https://x.com/HenryInvests/status/1678402608262782976)  2023-07-10T13:55Z [----] followers, 25.4K engagements


"@grow_dividends Right good point. But $O was a rapidly growing business at that point. It isnt anymore just want ppl to evaluate it more"  
[X Link](https://x.com/HenryInvests/status/1678447979206696960)  2023-07-10T17:12Z [----] followers, [----] engagements


"Up 1.8% on the $VICI add 🍻 Just made a trade 👀 https://t.co/bsjsu2L8MJ Just made a trade 👀 https://t.co/bsjsu2L8MJ"  
[X Link](https://x.com/HenryInvests/status/1678464153202073604)  2023-07-10T18:00Z [----] followers, [---] engagements


"$UPST calls are hot 🥵 [--] week high & testing $40 Live look at all the gamblers who were taking this one in the teens. @OwenDeBoard2 @Frugalbuck"  
[X Link](https://x.com/HenryInvests/status/1678471314007269384)  2023-07-10T18:28Z [----] followers, [----] engagements


"This is the tweet of the year. @Frugalbuck tackled a bunch of finance junkies who said $UPST was only up because of AI Need to get clips for some YouTube shorts 🤣🤣 @davegirouard weve been on this"  
[X Link](https://x.com/HenryInvests/status/1678490884466176020)  2023-07-11T03:55Z [----] followers, 49.7K engagements


"@Benny_Capital Bearish they dont trade in line"  
[X Link](https://x.com/HenryInvests/status/1678530455061053443)  2023-07-10T22:41Z [----] followers, [--] engagements


"Sold $UPST $60 cc exp Friday .02 If it hits the strike they can have my shares 😊"  
[X Link](https://x.com/HenryInvests/status/1678763453341921281)  2023-07-11T13:52Z [----] followers, [---] engagements


"Been here since day [--]. $UPST"  
[X Link](https://x.com/HenryInvests/status/1678768061330096130)  2023-07-11T14:13Z [----] followers, [----] engagements


"Fear of failure was high. Still is. I think Upstart wins LT but if my thesis breaks I will drop the stock so quick. Im here to make $ not play games. With that being said I dont miss that cold fucking dorm & hopefully things continue to go well from here"  
[X Link](https://x.com/HenryInvests/status/1678770513936777218)  2023-07-11T14:56Z [----] followers, [---] engagements


"@SavingsCaptain If you just subtract [--] years youre really only 25"  
[X Link](https://x.com/HenryInvests/status/1678810294741499907)  2023-07-11T16:58Z [----] followers, [----] engagements


"Deep down in my heart I know @OwenDeBoard2 is a Swiftie Owen just admit it"  
[X Link](https://x.com/HenryInvests/status/1678813959577534479)  2023-07-11T17:12Z [----] followers, [---] engagements


"@investor_daddy Great call 🙌"  
[X Link](https://x.com/HenryInvests/status/1678854460829753344)  2023-07-11T19:51Z [----] followers, [---] engagements


"Hear me out Sell $T $14 puts .11 exp August 23rd Thats about a 9% annualized return on your cash. If $T goes below the strike you buy the shares. Now youre collecting a 7.11% yield. *If* you are assigned sell long dated CC and collect more premiums 🤔 Low risk IMO"  
[X Link](https://x.com/HenryInvests/status/1678864600064827392)  2023-07-21T03:31Z [----] followers, [----] engagements


"@moctezumaATL @Frugalbuck @OwenDeBoard2 No hes talking about the ups and downs of running a startup"  
[X Link](https://x.com/HenryInvests/status/1678944417070166016)  2023-07-12T05:02Z [----] followers, [---] engagements


"Going to be a nasty short cover day in high SI names that are rate sensitive/macro dependent"  
[X Link](https://x.com/HenryInvests/status/1679106952100556800)  2023-07-12T12:34Z [----] followers, [---] engagements


"@EndicottInvests @NickTimiraos I predict they raise once more [--] bps. But do I think they should raise No. Well see. I think rate sensitive plays will have an amazing day today think $sofi $open $upst $slg"  
[X Link](https://x.com/HenryInvests/status/1679118799004377089)  2023-07-12T13:21Z [----] followers, [--] engagements


"With the market running & FOMO rising Im surprised more of you arent looking into asset managers. $TROW is my favorite"  
[X Link](https://x.com/HenryInvests/status/1679132086865735680)  2023-07-12T14:14Z [----] followers, [--] engagements


"@Benny_Capital Going to give you some tough love because I think youre really smart & I just want you to hear my thoughts 1.) For age [--] youre spread out way too thin especially in dividend names that have underperformed the last decade like $O & $KO 2.) Not having any big tech or any"  
[X Link](https://x.com/HenryInvests/status/1679230918333018113)  2023-07-12T20:47Z [----] followers, [--] engagements


"I put my ex-girlfriend in $PINS at $19 😔"  
[X Link](https://x.com/HenryInvests/status/1679988263807844352)  2023-07-21T03:20Z [----] followers, [----] engagements


"Sometimes you need to take a step back & just meditate. There are [--] billion people in this world - think about how crazy that is. [--] billion different life experiences thoughts opinion beliefs. We are an extremely small part of Gods plan for all. I find that comforting"  
[X Link](https://x.com/HenryInvests/status/1681116556535779329)  2023-07-18T02:41Z [----] followers, [---] engagements


"Shouldve known to short this shit because they call me every [--] days begging me to open a credit card $DFS"  
[X Link](https://x.com/anyuser/status/1682204876468617216)  2023-07-21T01:44Z [--] followers, [--] engagements


"I agree with @StockJabber & @BearCaveEmail Feastables is making chocolate exciting & there is no incentive for a kid to buy a Hersheys $HSY bar over Feastables which features their favorite creator. Plus Im not sure who is paying 30x earnings for candy"  
[X Link](https://x.com/HenryInvests/status/1682427150241071104)  2023-07-21T20:25Z [----] followers, [---] engagements


"Which portfolio would you rather have A $O $VZ $TSLA B $UPST $VICI $TROW C $NVDA $MPW $SBUX 👇"  
[X Link](https://x.com/HenryInvests/status/1682761927838035970)  2023-07-22T14:38Z [----] followers, [----] engagements


"@IBuyVOO $trow under appreciated rn"  
[X Link](https://x.com/HenryInvests/status/1682883738038837248)  2023-07-22T23:29Z [----] followers, [---] engagements


"wish more young ppl bought stonks"  
[X Link](https://x.com/HenryInvests/status/1683519438291705880)  2023-07-24T16:48Z [----] followers, [----] engagements


"3 Ways to Start Being a Better Investor 1.) Stop trying to convince people to agree with you. 2.) Think objectively. 3.) Reflect & analyze previous investments. $SPY $QQQ $SCHD $O #stocks"  
[X Link](https://x.com/HenryInvests/status/1683520544086323200)  2023-07-25T09:12Z [----] followers, [---] engagements


"$UPST $12 bottom will go down as one of the best buying opportunities of the next decade. Just quickly glancing at @Upstart s website LinkedIn & the resumes of their employees shows you that this is a real company thats here to stay. Vastly different than the shitcos"  
[X Link](https://x.com/HenryInvests/status/1683841004775014401)  2023-07-25T14:05Z [----] followers, [----] engagements


"$UPST at 5B market cap is super expensive. Double the P/S of $afrm / $sofi (Granted not exact comps) Team needs to blow it out Q2 August 8th for the share price to remain at this lvl IMO. Still believe in LT potential so not selling shares but fully mentally preparing"  
[X Link](https://x.com/HenryInvests/status/1683890950483869703)  2023-07-25T17:24Z [----] followers, [--] engagements


"So $META no longer falls 10% following $SNAP er 🤔"  
[X Link](https://x.com/HenryInvests/status/1683935706140274689)  2023-07-25T20:22Z [----] followers, [--] engagements


"Notice how all sizable interest rate increases are followed by massive cuts. QE runs the world. Ppl saying rates will stay high forever are basically saying "This time is different" Maybe. But history is all we have and its showing us the same thing over and over"  
[X Link](https://x.com/HenryInvests/status/1684247966662393877)  2023-07-26T17:03Z [----] followers, [--] engagements


"Sorry couldnt help myself. Its almost as if I might know what Im talking about 🧐 $TROW"  
[X Link](https://x.com/anyuser/status/1684919208096731136)  2023-07-28T13:30Z [--] followers, [--] engagements


"7/28 Weekly Portfolio Recap Great results from $GOOGL $TROW Poor results from $ENPH Initiating $AMZN Selling $SOFI"  
[X Link](https://x.com/HenryInvests/status/1685122331730190336)  2023-07-29T02:57Z [----] followers, [--] engagements


"Super quick read on why $TROW will be a beast in the coming years"  
[X Link](https://x.com/HenryInvests/status/1686096909532811265)  2023-07-31T21:45Z [----] followers, [---] engagements


"$CROX has the most beatiful income statement improvement year over year Ive ever seen"  
[X Link](https://x.com/HenryInvests/status/1686415500891377684)  2023-08-01T22:37Z [----] followers, [---] engagements


"Crocs $CROX Q2 Earnings Review. A multi-bagger in plain sight"  
[X Link](https://x.com/HenryInvests/status/1686443756684197899)  2023-08-01T22:37Z [----] followers, [---] engagements


"Just SOLD some $VOO & bought $CROX Subscribers you will see this reflected in my Savvy Trader account tomorrow"  
[X Link](https://x.com/HenryInvests/status/1686478552667975681)  2023-08-01T22:37Z [----] followers, [---] engagements


"Fintwit be like $O $60 on Wednesday 😡 $O $60 today 😁"  
[X Link](https://x.com/HenryInvests/status/1687502822420488202)  2023-08-04T16:36Z [----] followers, [--] engagements


"Portfolio Recap 8/4/2023 A week of underperformance lead by Lemonade & Upstart. Buying $CROX Selling $VOO Changing my mind on $SOFI $UPST earnings preview $AMZN earnings"  
[X Link](https://x.com/HenryInvests/status/1687624907981471745)  2023-08-05T00:48Z [----] followers, [---] engagements


"$SOFI & $CROX @BoomerDivvies"  
[X Link](https://x.com/HenryInvests/status/1687968293921951744)  2023-08-05T23:26Z [----] followers, [--] engagements


"Not sure what the funniest part of this video is 1.) the stupid head nodding 2.) that he thinks he is living proof of Buffets advice 3.) that he sells a course and is misquoting Buffett to trick into purchasing his garbage CLOWN 🤡"  
[X Link](https://x.com/HenryInvests/status/1688284799348224000)  2023-08-06T20:23Z [----] followers, [----] engagements


"Have been debating all day between buying Crocs or $CROX"  
[X Link](https://x.com/HenryInvests/status/1688299031762493440)  2023-08-06T21:20Z [----] followers, [---] engagements


"Lets say that an institution is considering buying a loan with an interest rate of 5%. If the Fed cuts the federal funds rate by 0.25% the interest rate on the loan will fall to 4.75%. If the institution buys the loan prior to FFR cut they will be locked in at 5% even though the market rate will be lower in the future. Borrowers can pay back higher interest rate loans with more relative ease as the economy loosens making sub prime loans an extremely attractive & high return investment"  
[X Link](https://x.com/HenryInvests/status/1689641433458950144)  2023-08-10T14:14Z [----] followers, [---] engagements


"If you disagree with my opinions thats fine - not sure why you continue to read my posts I think what separates me from a lot of people on here is that Im not trying to enrage anyone and Im not going after anyone else. Im just saying what I believe to be true & talking about theses I believe in"  
[X Link](https://x.com/HenryInvests/status/1689999149591109632)  2023-08-11T13:56Z [----] followers, [----] engagements


"@DivDollars Vici is close"  
[X Link](https://x.com/HenryInvests/status/1690419074809925634)  2023-08-12T17:44Z [----] followers, [---] engagements


"$HIMS revenue Q4 [----] - $41.47M Q1 [----] - $52.30M +26.13%✅ Q2 [----] - $60.70M + 16.06%✅ Q3 [----] - $74.17M + 22.20%✅ Q4 [----] - $84.70M + 14.19%✅ Q1 [----] - $101.31M +19.62%✅ Q2 [----] - $113.56M +12.09%✅ Q3 [----] - $144.84M +27.54%✅ Q4 [----] - $167.20M +15.44%✅ Q1 [----] - $190.77M +14.09%✅ Q2 [----] - $207.91M +8.99%✅ Average value/order (AOV) has jumped from $69 to $95 over these quarters +37.69%✅ They could use some work on reducing losses but that is trending in the right direction too. Long $HIMS"  
[X Link](https://x.com/HenryInvests/status/1690872994992721921)  2023-08-13T23:48Z [----] followers, [--] engagements


"Just realized I crossed [---] followers Thank you for all the support 🍻 The march to 1k continues"  
[X Link](https://x.com/HenryInvests/status/1691181232774696960)  2023-08-14T20:13Z [----] followers, [----] engagements


"Does anyone know why $CROX direct to consumer sales are so volatile Q4 [----] +12.14%✅ Q1 [----] -23.11%❌ Q2 [----] +96.08%✅ Q3 [----] -5.14%❌ Q4 [----] +1.02%✅ (HEYDUDE acq) Q1 [----] -28.34%❌ Q2 [----] +78.87%✅ Q3 [----] +9.88%✅ Q4 [----] +14.43%✅ Q1 [----] -40.63%❌ Q2 [----] +68.84%✅"  
[X Link](https://x.com/HenryInvests/status/1691650399592222847)  2023-08-16T03:17Z [----] followers, [--] engagements


"Farmers Insurance Federal Credit Union Selects Upstart for Personal Lending $UPST"  
[X Link](https://x.com/HenryInvests/status/1691826274077974818)  2023-08-16T14:56Z [----] followers, [---] engagements


"Everyone has the brainpower to make money in stocks. Not everyone has the stomach. Peter Lynch"  
[X Link](https://x.com/HenryInvests/status/1692195444472869065)  2023-08-17T15:23Z [----] followers, [---] engagements


"@Frugalbuck Was going to message you about this today. $NU is on my radar"  
[X Link](https://x.com/HenryInvests/status/1692213872239734958)  2023-08-17T16:36Z [----] followers, [--] engagements


"$NU is a stock that should be talked about more. What are your initial thoughts on this company 👇"  
[X Link](https://x.com/HenryInvests/status/1692593271069950291)  2023-08-18T17:44Z [----] followers, [----] engagements


"Rocking my new Crocs $CROX"  
[X Link](https://x.com/HenryInvests/status/1693710054862500347)  2023-08-21T19:41Z [----] followers, [---] engagements


"@BoomerDivvies Not for me - $fl & $dks dragging down my $aso Queen :-("  
[X Link](https://x.com/HenryInvests/status/1694375706367586699)  2023-08-23T15:47Z [----] followers, [--] engagements


"You can be proud of what youve accomplished but theres no reason to celebrate a lot of what I see posted. I used the share my portfolio value too until I realized it was literally nothing"  
[X Link](https://x.com/HenryInvests/status/1695202842544398541)  2023-08-25T22:33Z [----] followers, [---] engagements


"@Frugalbuck @EndicottInvests @canonvideoguy @DeepValue47 Kind of a lame tweet from this guy"  
[X Link](https://x.com/HenryInvests/status/1695967198383091992)  2023-08-28T01:11Z [----] followers, [---] engagements


"@BoomerDivvies You should only eat pig slop and drive a car with three wheels so you can invest in an index fund so you can eat well in [--] years"  
[X Link](https://x.com/HenryInvests/status/1696299562644775247)  2023-08-28T23:11Z [----] followers, [---] engagements


"$UPST is a fundamentally better business in Q2 than it was Q1. Revenue grew 31.97% ✅ Conversion rate [---] bps to 9% ✅ Net income losses reduced by 78.19% ✅ Operating expenses fell 28% ✅ Adj EBITDA positive ✅ Contribution margin [---] bps 67% ATH ✅ % Fully automated [---] bps to 87% ✅ Cash increased 12.84% to $509.90m ✅ Loans on books fell 14.66% to $838m ✅ Rates at Ath. Im estimating at least 1.5b in committed capital is left. In talks for more. To argue this is a fundamentally weaker company is ridiculous. You can argue its still a bad business sure but its firing much better on all cylinders as"  
[X Link](https://x.com/HenryInvests/status/1696303596478841182)  2023-08-28T23:27Z [----] followers, [----] engagements


"$UPST is flying today because JOLTS weakness suggests the Fed is less likely to raise rates. IMO the capital markets will bottom before rates top and todays data could suggest we are closer to this crossroad"  
[X Link](https://x.com/HenryInvests/status/1696610136150749393)  2023-08-29T19:45Z [----] followers, [--] engagements


"@temerson102 Buying more lmnd"  
[X Link](https://x.com/HenryInvests/status/1696683573225427327)  2023-08-30T00:37Z [----] followers, [---] engagements


"Remember when $GOOGL was under $100"  
[X Link](https://x.com/HenryInvests/status/1696685566803272179)  2023-08-30T00:45Z [----] followers, [---] engagements


"$NCLH has $14 billion in debt 75% fixed 25% variable. [----] 10k suggests issues getting financing. Shares outstanding up [--] fold in [--] years and stock has fallen 70%. Every time Powell raises by [--] bps they incur $7.5m in interest expenses. Who owns cruise lines and why"  
[X Link](https://x.com/HenryInvests/status/1696688100011860220)  2023-08-30T00:55Z [----] followers, [--] engagements


"Breaking News Dividend investors realize REITS are down because yields are higher 🚨 🚨 Now those just seeking income could adapt but instead they will buy the dip and be diluted"  
[X Link](https://x.com/HenryInvests/status/1696880631764971746)  2023-08-30T13:40Z [----] followers, [----] engagements


"@DivDollars $GOOGL as of late"  
[X Link](https://x.com/HenryInvests/status/1697062155558793447)  2023-08-31T01:42Z [----] followers, [--] engagements


"Humble beginnings. I called $ASO the Best valued retailer several quarters ago. I stand by this today. Its clear Academy can navigate this macro better than competitors. Congrats on a great quarter"  
[X Link](https://x.com/HenryInvests/status/1697276989365682651)  2023-08-31T15:55Z [----] followers, [----] engagements


"9/1/2023 Portfolio Review is LIVE Outperformance returned for my portfolio this week. Here I touch on the recent JOLTS data and why it's extremely favorable for the market. Stocks mentioned by name include $UPST $DIS $ASO $TROW"  
[X Link](https://x.com/HenryInvests/status/1697982509240160473)  2023-09-02T14:39Z [----] followers, [---] engagements


"@CensoredMen Another example of school teachers going on unjust power trips. So sad. RIP"  
[X Link](https://x.com/HenryInvests/status/1698093853138362825)  2023-09-02T22:01Z [----] followers, 142.4K engagements


"@garbagebutter78 Agree Its just a waiting game. Their Capital position has become notably stronger last two quarters. Credit risk is down despite the fact they shared the 30m recently in what I think is simply a proof of concept. They are underwriting well (relatively) & return on such is 27%"  
[X Link](https://x.com/HenryInvests/status/1700333039354560708)  2023-09-09T02:19Z [----] followers, [--] engagements


"@Benny_Capital Too much uncertainty and theres always a firm that doesnt like the acquisition as a use of FCF"  
[X Link](https://x.com/HenryInvests/status/1701243280623653289)  2023-09-11T14:36Z [----] followers, [--] engagements


"@Benny_Capital I like this move for $sjm"  
[X Link](https://x.com/HenryInvests/status/1701268046201999772)  2023-09-11T16:14Z [----] followers, [--] engagements


"@TikTokInvestors why didnt I think of this"  
[X Link](https://x.com/HenryInvests/status/1701625680373354559)  2023-09-12T15:55Z [----] followers, [----] engagements


"$CROX selling off following a hotter than expected #CPI report. The HeyDude acquisition continues to weigh on Wall Streets short term expectations. Fair value for Crocs is easily over $130 IMO. Quickly becoming my favorite deal on the market getting close to eclipsing $UPST"  
[X Link](https://x.com/HenryInvests/status/1701967455302607073)  2023-09-13T14:33Z [----] followers, [--] engagements


"Wishing everyone a blessed weekend Its been an extremely busy week for me hope youve all been well. Theres more to life than depreciating stock prices 😉"  
[X Link](https://x.com/HenryInvests/status/1702690727652692435)  2023-09-15T14:27Z [----] followers, [----] engagements


"Fintwit only cares about insider sales when it reinforces a bearish thesis they have on a shit-co Meanwhile $SOFI has seen an ungodly amount of direct sales and investors dont care. I dont care about insider sales - they should be able to take some off the table but Im"  
[X Link](https://x.com/HenryInvests/status/1703777906080534849)  2023-09-18T14:28Z [----] followers, [--] engagements


"@Frugalbuck Its hilarious to me. People will defend karps millions worth of $pltr sales then say a 40k sale of $upst by the cfo is bearish. Its ignorant & honestly a ridiculous claim to make"  
[X Link](https://x.com/HenryInvests/status/1703779384300068869)  2023-09-18T14:33Z [----] followers, [---] engagements


"$UPST & $PGY will become a large duopoly. These two stocks compliment each other quite well & together they solve the problem of traditional credit underwriting. They are both extremely early in the game building proprietary ML models. We are early"  
[X Link](https://x.com/HenryInvests/status/1703781026873385405)  2023-09-18T14:40Z [----] followers, [----] engagements


"@DataDInvesting All I said was that investors dont care about $SOFI executives taking some off the top but they care about every other company doing so. Thats it"  
[X Link](https://x.com/HenryInvests/status/1703915241804013590)  2023-09-18T23:33Z [----] followers, [---] engagements


"Cant wait to buckle down tomorrow and listen to some good ol monetary policy #LivingItUp"  
[X Link](https://x.com/HenryInvests/status/1704285365849215192)  2023-09-20T00:04Z [----] followers, [----] engagements


"#FOMC prediction Committee doesnt raise doesnt commit to pause nor skip. No guidance data dependent Cumulative effects of rates yet to be seen especially in housing Financial system is strong"  
[X Link](https://x.com/HenryInvests/status/1704506283309576273)  2023-09-20T14:42Z [----] followers, [---] engagements


"guys world is ending because one less rate cut in [----] is expected and Powell said expectations are highly uncertain make sure you sell on this breaking news and hibernate because obv we still have so much tightening to go"  
[X Link](https://x.com/HenryInvests/status/1704936120717361153)  2023-09-21T19:10Z [----] followers, [----] engagements


"🚨Riding the Rollercoaster: How Netflix's Volatility Turned Investors into Winners 📈🚀 $NFLX showcased how investors who stayed focused on fundamentals reaped a massive 31501.65% gain even amidst challenges like the dot-com bubble and the global financial crisis. A thread 👇"  
[X Link](https://x.com/HenryInvests/status/1705274702711648571)  2023-09-22T17:35Z [----] followers, [----] engagements


"Let's take a look at the macro backdrop throughout 2002-2023 and how Netflix's business continued to improve throughout despite headwinds and wild fluctuations in their share price"  
[X Link](https://x.com/HenryInvests/status/1705274706306211909)  2023-09-22T17:35Z [----] followers, [--] engagements


"2002 Macro - The dot-com bubble fallout continues to affect the stock market leading to caution among investors. $NFLX - Netflix goes public with an initial public offering (IPO) raising capital to fuel its expansion"  
[X Link](https://x.com/HenryInvests/status/1705274707816177671)  2023-09-22T17:35Z [----] followers, [--] engagements


"2008 Macro - The global financial crisis triggers a massive stock market crash. Banks collapse and fear is everywhere. $NFLX - Netflix continues to grow its subscriber base as more people turn to affordable entertainment options during tough economic times"  
[X Link](https://x.com/HenryInvests/status/1705274709456068831)  2023-09-22T17:35Z [----] followers, [--] engagements


"2010 Macro - The European debt crisis begins to create uncertainty in financial markets. Netflix shares fall. $NFLX - Netflix expands its streaming service internationally starting with Canada signaling its global ambitions"  
[X Link](https://x.com/HenryInvests/status/1705274710982795575)  2023-09-22T17:35Z [----] followers, [--] engagements


"2015 Macro - Concerns over a potential economic slowdown in China cause turbulence in global markets. Netflix shares fall almost in half. $NFLX - Netflix's original content strategy gains traction with the success of shows like "House of Cards" and "Orange Is the New Black.""  
[X Link](https://x.com/HenryInvests/status/1705274712509579402)  2023-09-22T17:35Z [----] followers, [--] engagements


"2016 Macro - The surprise Brexit vote in the UK leads to market volatility. President Trump's election causes further uncertainty. $NFLX - Netflix's global expansion to [---] more countries demonstrates its commitment to becoming a worldwide streaming leader"  
[X Link](https://x.com/HenryInvests/status/1705274713952354733)  2023-09-22T17:35Z [----] followers, [--] engagements


"2018 Macro - Trade tensions between the United States and China escalate and the Fed begins its taper tantrum. $NFLX - Netflix's market cap surpasses that of Disney highlighting its strong position in the streaming industry"  
[X Link](https://x.com/HenryInvests/status/1705274715462373884)  2023-09-22T17:35Z [----] followers, [--] engagements


"Hit a [--] leg parlay What stock should I buy with my $250 in winnings 🤔"  
[X Link](https://x.com/HenryInvests/status/1706072978570555470)  2023-09-24T22:27Z [----] followers, [----] engagements


"Taking a look at $NDLS 10-K With the refinancing of our debt in mid-2020 interest expense for all amounts outstanding is variable. So why is $NDLS down 1.) Debt is compounding rapidly as FFR rises 2.) Tough macro resulting in lower sales Lots of insider buying"  
[X Link](https://x.com/HenryInvests/status/1706407920835912152)  2023-09-25T20:38Z [----] followers, [---] engagements


"@BoomerDivvies Then they rode the wave all the way to where we are today. Incredibly stupid"  
[X Link](https://x.com/HenryInvests/status/1706410670520959113)  2023-09-25T20:49Z [----] followers, [--] engagements


"Once I see the dividend bros turning on $O Ill be buying BIG"  
[X Link](https://x.com/HenryInvests/status/1706700098523021408)  2023-09-26T15:59Z [----] followers, [----] engagements


"@SteelbathOps @spacanpanman @RklbsFan You are correct on $rklb. Thanks for comments on $asts"  
[X Link](https://x.com/HenryInvests/status/1706761776287854815)  2023-09-26T20:04Z [----] followers, [---] engagements


"Anyone remember roughly a year ago when $PLTR got a massive army contract and was up 20% ah only to end the day red"  
[X Link](https://x.com/HenryInvests/status/1707039680317841643)  2023-09-27T14:29Z [----] followers, [----] engagements


"Funds are selling $20 $CHWY puts for December Dont know a ton about this name but took about $500 in shares here"  
[X Link](https://x.com/HenryInvests/status/1707044022672322751)  2023-09-27T14:46Z [----] followers, [---] engagements


"These claims in the @Bleecker__St $UPST report need to be backed by reputable and credible names or they hold no merit. What assurance should readers have that these are accurate and came from people within the industry This is like publishing a hit piece without a source"  
[X Link](https://x.com/HenryInvests/status/1707478170482458993)  2023-09-28T19:31Z [----] followers, [----] engagements


"@HolographicUnv @BoomerDivvies @AdultingIsEasy I dont even invest in dividends stocks. My largest positions are google and upstart but go off"  
[X Link](https://x.com/HenryInvests/status/1707485069491757254)  2023-09-28T19:58Z [----] followers, [--] engagements


"Until tomorrow then itll be 7% $O"  
[X Link](https://x.com/HenryInvests/status/1707574708634366113)  2023-09-29T01:55Z [----] followers, [---] engagements


"I buy $O for monthly dividends"  
[X Link](https://x.com/HenryInvests/status/1707824195017564245)  2023-09-29T18:26Z [----] followers, [----] engagements


"Holding thousands in $MSFT calls and was stuck listening to philosophy as the thing dropped like a rock Not a fun experience. Plz go up"  
[X Link](https://x.com/HenryInvests/status/1708906274723643866)  2023-10-02T18:06Z [----] followers, [---] engagements


"You will lose if you buy stocks just because theyre down. Ex - $HSY $MCD Keep buying these names because you think theyre safe They arent"  
[X Link](https://x.com/HenryInvests/status/1708908168472920487)  2023-10-02T18:13Z [----] followers, [---] engagements


"@garbagebutter78 @Veganhippo21 @Frugalbuck @davegirouard has spoken positively about $open multiple times. Wouldnt be surprised to see a partnership there to help evaluate the homes"  
[X Link](https://x.com/HenryInvests/status/1709598952943689944)  2023-10-04T15:58Z [----] followers, [---] engagements


"@Frugalbuck No. While unemployment leads to deflation it is not the only factor. It is possible to achieve low inflation with low unemployment which is why the Fed has that dual mandate- they are both achievable"  
[X Link](https://x.com/HenryInvests/status/1709987882117505100)  2023-10-05T17:44Z [----] followers, [---] engagements


"Cant help but feel frustrated that I have to spend my time studying philosophy tonight. Trying to stop reminding myself Im paying thousands for this garbage"  
[X Link](https://x.com/HenryInvests/status/1710074286134669562)  2023-10-05T23:27Z [----] followers, [---] engagements


"@Frugalbuck Not really an issue if they can hold until maturity. $BAC should be fine so long as theres no bank run"  
[X Link](https://x.com/HenryInvests/status/1710304318488731873)  2023-10-06T14:41Z [----] followers, [---] engagements


"Im down about 12k on paper these last couple months. That is more than what I had invested for the longest time. Most would panic; I see progress. Hopefully I lose 50k in the future 😂"  
[X Link](https://x.com/HenryInvests/status/1710306845590466600)  2023-10-06T14:51Z [----] followers, [----] engagements


"HYPOTHETICAL 1.) Fed gives markets clarity on pause 2.) Yields fall (front-loaded) 3.) Demand for loans skyrockets (capital markets bottom before economy) 4.) Risk free rate down = stocks up Companies impacted by demand issues as a result of higher rates see shares rise. Companies with lots of variable interest rate debt remain pummeled. Thoughts"  
[X Link](https://x.com/HenryInvests/status/1711516391679869238)  2023-10-09T22:58Z [----] followers, [----] engagements


"Showing some love to $PLTR today ❤"  
[X Link](https://x.com/HenryInvests/status/1711779646579028237)  2023-10-10T16:24Z [----] followers, [----] engagements


"$BAC is in a lot of trouble tomorrow As long as yields remain high theyll continue to be underwater. God forbid they cant hold these treasuries until maturity"  
[X Link](https://x.com/HenryInvests/status/1712528162909798842)  2023-10-12T17:58Z [----] followers, [----] engagements


"In $VFC for a swing off strong retail data activist news and fed pause thesis. They have a lot of variable interest rate debt"  
[X Link](https://x.com/HenryInvests/status/1714280960110567706)  2023-10-17T14:03Z [----] followers, [---] engagements


"The ACT is a horrible way to evaluate intelligence. Its a [--] hour sit down test given to [--] year olds who can barely sit still. I scored a [--] on the ACT while having over a [---] GPA in HS. My GPA in college through [--] semesters is [---] as well. I received the Presidential scholarship at my university. Intelligence is more than a test score"  
[X Link](https://x.com/HenryInvests/status/1714667200248795280)  2023-10-18T15:38Z [----] followers, [----] engagements


"@Frugalbuck @snarkinvesting I dont think $24 is outrageous but I think Netflix is making a mistake in regards to the page theyre raising prices And of course Netflix prices will keep up with inflation"  
[X Link](https://x.com/HenryInvests/status/1714764880551588339)  2023-10-18T22:06Z [----] followers, [--] engagements


"Biggest risk for stocks is no longer rate increases its delayed rate cuts"  
[X Link](https://x.com/HenryInvests/status/1716501259031646467)  2023-10-23T17:06Z [----] followers, [---] engagements


"🚨 LIVE tonight [--] PM CST Ask me anything AMA - $UPST College Goldendoodles ETC"  
[X Link](https://x.com/HenryInvests/status/1716834916065743339)  2023-10-24T15:11Z [----] followers, [----] engagements


"@PaperBagInvest @say Could we get an update on the availability of auto insurance in new states Personally stuck using GEICO in WI but would switch in a heartbeat"  
[X Link](https://x.com/HenryInvests/status/1716850787358323136)  2023-10-24T16:14Z [----] followers, [---] engagements


"🚨Re $LMND bankruptcy concerns and dwindling cash Let me remind you about Synthetic Agents👇 @daschreiber @shai_wininger @tebixby @yaelwiss"  
[X Link](https://x.com/HenryInvests/status/1716875361903128932)  2023-10-24T17:52Z [----] followers, [----] engagements


"$LMND Synthetic Agents program works by providing Lemonade with up to 80% of its monthly growth spend. (Monthly growth spend is the amount of money that a company spends on customer acquisition each month.) The $ is advanced by General Catalyst (GC) a venture capital firm"  
[X Link](https://x.com/HenryInvests/status/1716875364751061397)  2023-10-24T17:52Z [----] followers, [---] engagements


"Synthetic Agents work by "time shifting" $LMND cash flow. The $ that GC advances is used to pay for customer acquisition costs (CAC) in the present but is not actually paid back until the future. This allows $LMND to accelerate growth without worrying about running out of cash"  
[X Link](https://x.com/HenryInvests/status/1716875366927839587)  2023-10-24T17:52Z [----] followers, [---] engagements


"@jeffragusa Because Q ended in September and the influx of reviews will therefore apply to Q4. I think they may announce some committed capital"  
[X Link](https://x.com/HenryInvests/status/1717183826282123302)  2023-10-25T14:18Z [----] followers, [--] engagements


"The $PGY news is massive for Fintech as a whole $UPST A TOP [--] bank just expressed confidence in AI credit underwriting. A TOP [--] bank just expressed distrust in FICO. We are early"  
[X Link](https://x.com/HenryInvests/status/1717196516798964119)  2023-10-25T15:08Z [----] followers, [----] engagements


"$trow looking nice here"  
[X Link](https://x.com/HenryInvests/status/1717212443213013186)  2023-10-25T16:12Z [----] followers, [---] engagements


"Selfishly hoping $ENPH continues its plunge today AH as Im looking to initiate a position. Solar wins BIG long term imo"  
[X Link](https://x.com/HenryInvests/status/1717569591625294158)  2023-10-26T15:51Z [----] followers, [----] engagements


"$ENPH [----] Revenue and Sequential Growth Rates Q1 - $726 million Q2 - $711 million (-2%) Q3 - $551 million (-22.5%) Q4 - $300-350 million *expected* (-36.5-45.5%)"  
[X Link](https://x.com/HenryInvests/status/1717636039160791417)  2023-10-26T20:15Z [----] followers, [---] engagements


"$ENPH is arguably MORE expensive following this dismal earnings report $13B co guiding for $300-350m Q4 rev. If I take the average (325) and annualize that = 1.3B yearly sales (assuming no more rev contraction) Thats 10x sales. By no means is Enphase cheap"  
[X Link](https://x.com/HenryInvests/status/1717638214955970808)  2023-10-26T20:23Z [----] followers, [----] engagements


"$UPST revenue fell 66.8% peak to trough Q1 [----] - $310.10M Q1 [----] - $102.90M Down 94.3% from ATH $ENPH revenue fell 58.6% peak to trough Q4 [----] - $724.70M Q4 [----] - $300M (expected) Down 75.73% from ATH I get lots of shit for investing in Upstart while the FURUs pitch Enphase. (My upst average is $17) Upstart grew revenue 31.97% last q. Enphase just guided for revenue to fall 45%. Im not comparing the two stocks as investments. Just saying that the people who give me shit for investing in a shitco like Upstart should focus on their own disaster called Enphase. You guys like to skim income"  
[X Link](https://x.com/HenryInvests/status/1717641074926125272)  2023-10-26T20:35Z [----] followers, [----] engagements


"Theres this fintech company called Upstart $UPST"  
[X Link](https://x.com/HenryInvests/status/1717916462621286882)  2023-10-27T14:49Z [----] followers, [---] engagements


"I dont care about share price Im in it just for the dividend Okay you just lost your yearly dividend in one trading day. $O"  
[X Link](https://x.com/HenryInvests/status/1719022253470265779)  2023-10-30T16:03Z [----] followers, 10.7K engagements


"Ill say it again This decade of [--] interest rates and a never ending bull market had given a lot of money to ppl who dont deserve it I was fortunate enough to catch the last wave when I was [--] through e-commerce. There is pain ahead. But there is a lot of money to be made for those who are smart enough to find the gaps"  
[X Link](https://x.com/HenryInvests/status/1719051561203110297)  2023-10-30T18:00Z [----] followers, [----] engagements


"I challenge an $O bull to give me one reason why they believe shares will increase to new ATH that doesnt include past stock performance (because thats irrelevant)"  
[X Link](https://x.com/HenryInvests/status/1719058564575006760)  2023-10-30T18:27Z [----] followers, [---] engagements


"Happy Halloween 👻 Nothing is scarier than holding credit risk during this bear market 🎃 $UPST"  
[X Link](https://x.com/HenryInvests/status/1719381357409829109)  2023-10-31T15:50Z [----] followers, [---] engagements


"I spent all day yesterday doing my first DCF model on $UPST instead of studying for my midterm which is in [--] minutes Priorities right"  
[X Link](https://x.com/HenryInvests/status/1719383214014247083)  2023-10-31T15:57Z [----] followers, [---] engagements


"@BoomerDivvies Exactly. Lmaoooo"  
[X Link](https://x.com/HenryInvests/status/1719484010722681191)  2023-10-31T22:38Z [----] followers, [--] engagements


"$LMND to be cash flow positive late [----] Much earlier than expected"  
[X Link](https://x.com/HenryInvests/status/1719817227988345093)  2023-11-01T20:42Z [----] followers, [---] engagements


"Full thoughts on the weak $CROX quarter"  
[X Link](https://x.com/HenryInvests/status/1720100738989506803)  2023-11-02T15:29Z [----] followers, [----] engagements


"Additional thoughts here as I get ready to leave for class If youre buying $CROX b/c of cheap multiples I think youll lose. While multiple expansion is certainly in my bull case its NOT in my base case. A business that is executing currently like Crocs is will not be rewarded with higher multiples & it will take time to build trust"  
[X Link](https://x.com/HenryInvests/status/1720103605040996579)  2023-11-02T15:40Z [----] followers, [---] engagements


"$HIMS ability to monetize customers is impressive. Will average order value (AOV) continue its steady climb in Q3 Q3 [----] ) $74.00 Q3 [----] ) $83.00 Q3 [----] )"  
[X Link](https://x.com/HenryInvests/status/1721555867605020901)  2023-11-06T15:51Z [----] followers, [----] engagements


"$Hims AOV increased to $99 Thats a 19.27% INCREASE Y/Y ✅ $HIMS ability to monetize customers is impressive. Will average order value (AOV) continue its steady climb in Q3 Q3 [----] ) $74.00 Q3 [----] ) $83.00 Q3 [----] ) https://t.co/JQTCY5xNNM $HIMS ability to monetize customers is impressive. Will average order value (AOV) continue its steady climb in Q3 Q3 [----] ) $74.00 Q3 [----] ) $83.00 Q3 [----] ) https://t.co/JQTCY5xNNM"  
[X Link](https://x.com/HenryInvests/status/1721636265643098123)  2023-11-06T21:10Z [----] followers, [----] engagements


"🚨 $HIMS sequential comparisons Rev +9.02% to 226.669m Net Income -5.10% to $(7.567)m Adjusted EBITDA +15.57% to $12.25m Subs +9.69% to [-------] Monthly Online Rev/Sub +1.89% to $54.00 Average Order Value +4.21% to $99.00 Net Orders +5.36% to [-------] Shares up 3%"  
[X Link](https://x.com/HenryInvests/status/1721638255387382122)  2023-11-06T21:18Z [----] followers, [----] engagements


"@KiwiKev_NZ Im still in it for the long haul too - just making sure Im getting both sides of the story. Remains a medium sized bet for me"  
[X Link](https://x.com/HenryInvests/status/1722252222413857193)  2023-11-08T13:58Z [----] followers, [---] engagements


"Vivek always brings the heat 🔥"  
[X Link](https://x.com/HenryInvests/status/1722709867033448501)  2023-11-09T20:16Z [----] followers, [---] engagements


"With many people having mortgage rates significantly lower (almost half in some cases) the risk free rate Housing supply is limited as people dont want to move. Therefore home prices are quite resilient even with high rates. My question is - if the Fed cut interest rates would this incentive more people to move & buy homes therefore bringing up the supply of housing and driving down the price. With 30% of CPI being comprised of housing data (which is a lagging indicator) making up for the elevated inflation rate I think its quite possible rate CUTS could almost be deflationary or at the least"  
[X Link](https://x.com/HenryInvests/status/1722783456151683459)  2023-11-10T01:09Z [----] followers, [----] engagements


"@spectrum_cap Unemployment will inevitably go up the longer rates are high. Fed can have deflation and lower unemployment by simply lowering rates is the theory Im presenting"  
[X Link](https://x.com/HenryInvests/status/1722785329730510877)  2023-11-10T01:16Z [----] followers, [---] engagements


"@garbagebutter78 @Frugalbuck @sukmaideek @Veganhippo21 I think it stays low for a long time and has a massive breakout sometime in the future Going to be a great time to accumulate imo"  
[X Link](https://x.com/HenryInvests/status/1723056345832714542)  2023-11-10T19:13Z [----] followers, [--] engagements


"Fundamentals of $UPST just changed BIG time. Cpi came in cool [--] year tanked. As risk free rate goes down - demand for yield elsewhere goes up. Also suggests people are betting on rates topping. Capital markets bottom before the economy. Good vibes 😎"  
[X Link](https://x.com/HenryInvests/status/1724431088049631330)  2023-11-14T14:16Z [----] followers, [---] engagements


"Who has a Robinhood referral code Signing up soon & will give the bonus to a loyal follower 🤝"  
[X Link](https://x.com/HenryInvests/status/1724914568336433543)  2023-11-15T22:17Z [----] followers, [----] engagements


"@EndicottInvests @KrisPatel99 @RealMattMoney @sama Do you guys have real beef"  
[X Link](https://x.com/HenryInvests/status/1726077207552950594)  2023-11-19T03:17Z [----] followers, [---] engagements


"Turned [--] today 🎂"  
[X Link](https://x.com/HenryInvests/status/1726963867107180558)  2023-11-21T14:00Z [----] followers, [----] engagements


"My Black Friday experience has been low prices and not many people. Is the recession really here What are you seeing"  
[X Link](https://x.com/HenryInvests/status/1728140013551116517)  2023-11-24T19:54Z [----] followers, [----] engagements


"Amazon $AMZN coupled with $AFRM are the winners this shopping season. I knew Affirm would get some positive PR - didnt expect a jump of 15%. Upset I didnt make that trade but shes carrying $UPST so Ill take it"  
[X Link](https://x.com/HenryInvests/status/1729160394764435727)  2023-11-27T15:28Z [----] followers, [---] engagements


"Can you imagine if $UPST said this $PGY CFO is resigning to pursue other opportunities and his decision to resign was not related to any disagreement with the Company on any matter relating to its operations policies or practices. Im team Pagaya but if Upstart put this out everyone would be quick to yell fraud. Wheres the accountability PGY bulls Credit @vasilist"  
[X Link](https://x.com/HenryInvests/status/1729162345207705824)  2023-11-27T15:36Z [----] followers, [----] engagements


"Also - when dealing with financial services the CFO often knows MORE than the CEO & is paid rather similarly. Pagaya constantly says their business is strong yet a top exec leaves with no warning to pursue other opportunities"  
[X Link](https://x.com/HenryInvests/status/1729162981723046027)  2023-11-27T15:39Z [----] followers, [---] engagements


"@adrianafinancee Happy Birthday"  
[X Link](https://x.com/HenryInvests/status/1730229816526287292)  2023-11-30T14:18Z [----] followers, [--] engagements


"@SavingsCaptain Increased sentiment will cause inflows. Existing AUM will compound and fees will become larger. Over time investing has become more mainstream. Multiples on TROW are ridiculously cheap - strong capital position & for the dividend bros a long history of strong payments"  
[X Link](https://x.com/HenryInvests/status/1730272742040113602)  2023-11-30T17:09Z [----] followers, [--] engagements


"🚨 BREAKING $UPST UMI decreases 1.20% to [----] Keep in mind on the Q3 conference call Upstart management said UMI is going to be a leading indicator They also said - the UMI effect is LARGER than the interest rate effect. This means Upstart can approve more borrowers the biggest constraint on their revenue growth"  
[X Link](https://x.com/HenryInvests/status/1730412263092150666)  2023-12-01T02:23Z [----] followers, [----] engagements


"@spagetti4brecky Its not going to [--] - their capital position has continued to get stronger from Q1 2023"  
[X Link](https://x.com/HenryInvests/status/1730427993103692205)  2023-12-01T03:25Z [----] followers, [---] engagements

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