# ![@InvestWithJoshi Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1074258010753576960.png) @InvestWithJoshi Vaibhav Joshi

Vaibhav Joshi posts on X about ai, growth, target, health the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1074258010753576960/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1074258010753576960/c:line/m:interactions.svg)

- [--] Week [------] +256%
- [--] Month [------] +118%
- [--] Months [------] +1,139,980%

### Mentions: [--] [#](/creator/twitter::1074258010753576960/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1074258010753576960/c:line/m:posts_active.svg)

- [--] Months [---] +6,550%

### Followers: [---] [#](/creator/twitter::1074258010753576960/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1074258010753576960/c:line/m:followers.svg)

- [--] Week [---] +351%
- [--] Month [---] +934%
- [--] Months [---] +5,308%

### CreatorRank: [-------] [#](/creator/twitter::1074258010753576960/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1074258010753576960/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  42% [stocks](/list/stocks)  5% [technology brands](/list/technology-brands)  5% [countries](/list/countries)  3% [currencies](/list/currencies)  1% [fashion brands](/list/fashion-brands)  1%

**Social topic influence**
[ai](/topic/ai) 10%, [growth](/topic/growth) #2759, [target](/topic/target) 9%, [health](/topic/health) 7%, [money](/topic/money) 6%, [stocks](/topic/stocks) 6%, [strong](/topic/strong) 6%, [insurance](/topic/insurance) 5%, [agentic](/topic/agentic) #629, [pat](/topic/pat) #815

**Top accounts mentioned or mentioned by**
[@samadhyasaurav](/creator/undefined) [@kobeissiletter](/creator/undefined) [@weekendinvestng](/creator/undefined) [@eagleeyestrades](/creator/undefined) [@ishmohit1](/creator/undefined) [@investorofjammu](/creator/undefined) [@equityvaluein](/creator/undefined) [@shridhants](/creator/undefined) [@ananth1976](/creator/undefined) [@shiladitya4u](/creator/undefined) [@1bigbull](/creator/undefined) [@pkjat340](/creator/undefined) [@chatt_sayan](/creator/undefined) [@muve13579](/creator/undefined)

**Top assets mentioned**
[Infosys Limited (INFY)](/topic/$infy)
### Top Social Posts
Top posts by engagements in the last [--] hours

"The corporate world is still chewing on the massive efficiency gains AI has dropped on us. In a few years when the LLM market reaches saturation and the hype-train finally slows down well find ourselves in a post-AI-integration era. It won't be about 'replacement' anymore but about a more efficient economy that has naturally evolved to create roles we cant even name yet. https://twitter.com/i/web/status/2022576211025891346 https://twitter.com/i/web/status/2022576211025891346"  
[X Link](https://x.com/InvestWithJoshi/status/2022576211025891346)  2026-02-14T07:38Z [---] followers, [---] engagements


"Were currently in the 'digestion phase' of this AI productivity spike. Once the initial hype plateaus and LLMs become a standard utility rather than a novelty the landscape will shift. We aren't just looking at automation; we're looking at a stabilized new world where higher baseline efficiency is the norm and a whole new category of job roles has emerged from the dust. https://twitter.com/i/web/status/2022576724312199332 https://twitter.com/i/web/status/2022576724312199332"  
[X Link](https://x.com/InvestWithJoshi/status/2022576724312199332)  2026-02-14T07:40Z [---] followers, [----] engagements


"🧵 HCL Technologies Q3 FY26 Concall Key Takeaways & Valuation View"  
[X Link](https://x.com/InvestWithJoshi/status/2011113759717425642)  2026-01-13T16:30Z [---] followers, [--] engagements


"@SamadhyaSaurav Vietnam is at 20% Bangladesh is at 20% Pakistan is at 19% Not sure where you got this 17% number from"  
[X Link](https://x.com/InvestWithJoshi/status/2020166333351260180)  2026-02-07T16:02Z [---] followers, [--] engagements


"@KobeissiLetter Polymarket having better 'budget intel' than the actual Treasury is the most [----] thing Ive ever heard"  
[X Link](https://x.com/InvestWithJoshi/status/2021607882450502050)  2026-02-11T15:30Z [---] followers, [---] engagements


"Its better to stay away from traditional IT players than catching a falling knife untill we get clear signs of growth returning back. #Nifty50 #NiftyIT #TCS #wipro #Infosys Citi on Indian IT services Why is this cycle different (vs. Cloud/SaaS) Unlike the move to the Cloud this AI shift has unique challenges: Incumbency Risk: Indian IT has doubled in size since the Cloud era. It is now the "dominant player" being disrupted rather than the https://t.co/W9D8RrJlqE Citi on Indian IT services Why is this cycle different (vs. Cloud/SaaS) Unlike the move to the Cloud this AI shift has unique"  
[X Link](https://x.com/InvestWithJoshi/status/2021809199123194272)  2026-02-12T04:50Z [---] followers, [---] engagements


"@WeekendInvestng Entire business model seems to be in danger unless they pivot fast. First GCCs snatched business away. Now Agentic AI challenging their Body shop business"  
[X Link](https://x.com/InvestWithJoshi/status/2021809851547234496)  2026-02-12T04:53Z [---] followers, [----] engagements


"The Headline Numbers (Q3 FY26) 📊 Revenue: [---] Cr (+48% YoY). Missed the [---] Cr mark by a whisker Adj. EBITDA: [--] Cr (+63% YoY). Crossed [--] Cr for the first time. PAT: [--] Cr (+78% YoY). 9M Momentum: 9-Month PAT (95 Cr) has already surpassed the entire FY25 full-year profit https://twitter.com/i/web/status/2021942713600692289 https://twitter.com/i/web/status/2021942713600692289"  
[X Link](https://x.com/InvestWithJoshi/status/2021942713600692289)  2026-02-12T13:41Z [---] followers, [--] engagements


"Guidance vs. Reality: The Sandbagging Continues 🐢➡🐇 Management previously guided for 35-40% growth. They had upped revenue guidance to 40-45% in Q2 for FY26. Given they just did 48% in Q3 and H2 is seasonally stronger they are likely to beat even this revised target. Typical Zaggle behavior. 🤷♂"  
[X Link](https://x.com/InvestWithJoshi/status/2021942716192457129)  2026-02-12T13:41Z [---] followers, [---] engagements


"The AI Pivot: From Automation to "Agentic AI" 🤖 Investors were worried AI would kill SaaS. Zaggle says AI is their moat. Speed: Feature dev time cut from [--] days to [--] days. Efficiency: AI agents now handle vendor reconciliation and tax compliance autonomously. Verdict: AI is reducing costs and speeding up go-to-market. https://twitter.com/i/web/status/2021942719112003618 https://twitter.com/i/web/status/2021942719112003618"  
[X Link](https://x.com/InvestWithJoshi/status/2021942719112003618)  2026-02-12T13:41Z [---] followers, [---] engagements


"The "Cash Flow" Question 💰 Analysts grilled management on negative Operating Cash Flow (OCF). Management Response: "We will break even on OCF by end of FY26 and be significantly positive in FY27" High working capital needs in growth phase + festive incentives. H2 seasonality is key to fixing this"  
[X Link](https://x.com/InvestWithJoshi/status/2021942721863463390)  2026-02-12T13:41Z [---] followers, [--] engagements


"Inorganic Monsters: The Acquisitions 🏗 GreenEdge: 9M Revenue at [--] Cr (vs [--] Cr for full year FY25). Zagg Money (formerly Rio): Rebranded and launched co-branded cards with Yes Bank. Targeting the 3.7M user base for B2C cross-sell"  
[X Link](https://x.com/InvestWithJoshi/status/2021942724208034038)  2026-02-12T13:41Z [---] followers, [--] engagements


"@EagleEyesTrades Posted a detailed thread on Zagglecompany posted great set of numbers but got beaten down because of recent drawdown in IT stocks and SAS companies globally. 👇"  
[X Link](https://x.com/InvestWithJoshi/status/2021946277446267146)  2026-02-12T13:55Z [---] followers, [---] engagements


"⚔ The Cannibalization Trade-off Management admitted that opening [--] new stores in existing clusters caused an 8% drop in SSG for mature stores nearby. The Twist: They are okay with this Why New stores in these clusters are hitting 13-14% EBITDA margins in Year [--] (vs typical 5-6%) matching mature stores immediately"  
[X Link](https://x.com/InvestWithJoshi/status/2022567204592718080)  2026-02-14T07:02Z [---] followers, [--] engagements


"📈 Revenue Guidance: RAISED 🟢 Buoyed by a strong 9M performance (+38% growth) management has revised the full-year outlook upward. FY26 Revenue Guidance: Increased to 35% YoY (up from previous targets)"  
[X Link](https://x.com/InvestWithJoshi/status/2022567207021220020)  2026-02-14T07:02Z [---] followers, [--] engagements


"📉 SSG Guidance: LOWERED ⚠ The trade-off for aggressive clustering shows up here. FY26 SSG Guidance: Revised to 4-5% (from 8-10%). Reasons: [--]. Cannibalization (eating their own sales). [--]. Heavy rains in Bengal & unrest in Assam/Tripura impacting festivals"  
[X Link](https://x.com/InvestWithJoshi/status/2022567209135153591)  2026-02-14T07:02Z [---] followers, [--] engagements


"@ishmohit1 The Investor community is so strong on X. Always grateful to this platform"  
[X Link](https://x.com/InvestWithJoshi/status/2022589347380498914)  2026-02-14T08:30Z [---] followers, [--] engagements


"I attended Satin creditcare's earnings call and asked the management about: State-wise collection efficiency trends Expansion strategy & new geographies Credit cost outlook Encouraging to see 98%+ collections deeper regional focus & improving asset quality. Sharing screenshots of my questions from the transcript 👇 Credit cost should decline meaningfully in next few quarters. Company should return on the path of high ROE and ROA in FY [--] 📊 #StockMarketIndia #Q3FY26 #Nifty500 #Microfinance #NBFC"  
[X Link](https://x.com/InvestWithJoshi/status/2018889103820083565)  2026-02-04T03:27Z [---] followers, [---] engagements


"Indian IT stocks are bleeding today and everyone is asking why. 📉 Its all because of the "Anthropic Effect." Anthropic just launched Claude Cowork and its a game-changer for all the wrong reasons for our IT giants like $TCS $INFY and $WIPRO. 🚨 Here is the simple breakdown: [--] The "People" Problem: For years IT companies made money by hiring thousands of people and billing clients "per hour." But Claudes new AI agents can now do the work of [--] people alone. If you don't need the people you can't bill the hours. Business model = Broken. ❌ [--] BPO/KPO is in Danger: Jobs like data entry checking"  
[X Link](https://x.com/InvestWithJoshi/status/2018914322546844117)  2026-02-04T05:07Z [---] followers, [----] engagements


"🚀 Zaggle ($ZAGGLE) Q3 FY26: The Compounding Machine Accelerates Revenue up 48%✅ PAT up 78%✅ and a massive pivot to Agentic AI ✅ Management once again beats their own conservative estimates. Here is the breakdown of the quarter the AI strategy and the road to $1B. 🧵👇 #Zaggle #Fintech #StockMarketIndia https://twitter.com/i/web/status/2021942709813199316 https://twitter.com/i/web/status/2021942709813199316"  
[X Link](https://x.com/InvestWithJoshi/status/2021942709813199316)  2026-02-12T13:41Z [---] followers, [---] engagements


"Future Outlook: The Road to $1 Billion 🎯 FY26: 40-45% Growth (Organic only). FY27: OCF Positive. Long Term: Management is eyeing $1 Billion revenue in 5-7 years with EBITDA margins expanding to 15-16%"  
[X Link](https://x.com/InvestWithJoshi/status/2021942731095040398)  2026-02-12T13:41Z [---] followers, [---] engagements


"Investment Thesis Summary Zaggle is a high-growth compounder benefitting from the digitization of corporate spend. Risks Cash flow delays & regulatory changes. Upside Massive operating leverage and successful M&A integration. Disclaimer: Not investment advice. Do your own diligence. #Investing #SaaS #IndiaGrowthStory"  
[X Link](https://x.com/InvestWithJoshi/status/2021942733573890155)  2026-02-12T13:41Z [---] followers, [---] engagements


"Nifty IT be like abhi to kl aur zaleel hona hai 😂 Infosys ADR down by another 8% today. Even after this fall Nifty IT is still at [--] times Earnings. Pre Covid PE was 18-19 still long way to go don't jump in to buy the Falling Knives. #NiftyIT #TCS #Wipro #Infosys"  
[X Link](https://x.com/InvestWithJoshi/status/2021985891821215745)  2026-02-12T16:32Z [---] followers, [----] engagements


"Delton Cables Q3 & 9M FY26 Update 📊🧵 Revenue: 🔹 Q3 [---] Cr (+42% YoY) 🔹 9M [---] Cr (+31% YoY) EBITDA: 🔹Q3 FY26: [---] mn (+57% YoY) 🔹9M FY26: [---] mn (+59% YoY) EBITDA Margin: 🔹Q3: 6.9% (up [--] bps) 🔹9M: 7.7% (up [---] bps) 💰 PAT Slightly Mixed but Improving 🔹Q3 FY26 Adjusted PAT: [--] mn (+11% YoY) 🔹9M FY26 Adjusted PAT: [---] mn (+97% YoY) Why the difference Finance costs are up sharply (+53% to +68% YoY) Depreciation up significantly (capacity expansion) Interest is eating into bottom-line growth in Q3 but 9M numbers show strong recovery. 📦 Order Book at [---] Cr (+60% vs Q2) 93% driven by"  
[X Link](https://x.com/InvestWithJoshi/status/2021997692965290411)  2026-02-12T17:19Z [---] followers, [---] engagements


"This is the outcome of a laid-back attitude and a failure to invest in new growth areas. They simply relied on the fact that the majority of Fortune [---] companies had yet to move from on-premise systems to the cloud and they charged a premium for that. Post-AI this process has sped up and can be done at a fraction of the cost. In short their 'body shop' business model is being destroyed and they need to act fast"  
[X Link](https://x.com/InvestWithJoshi/status/2021998768011587966)  2026-02-12T17:24Z [---] followers, [----] engagements


"MFI Sector: The Great Valuation Divergence 🧵 Did a deep dive into the numbers and the "MFI pain" that started in Q1 FY25. While the sector is normalizing the valuation gap between players is massive. 📊 The Valuation Snapshot (P/B): Satin Creditcare: 0.7x 📉 Arman Financial: 2.0x ⚖ CA Grameen: 3.0x 🚀 The Context: [--] Arman Financial: Took the "Big Bath" provisioning approach. Credit costs hit 11% in FY25 as management aggressively cleaned the book. The market seems to trust this "reset" keeping the multiple at 2x. [--] Satin Creditcare: Despite being the North India leader and having a massive"  
[X Link](https://x.com/InvestWithJoshi/status/2022043680824312150)  2026-02-12T20:22Z [---] followers, [---] engagements


"Were witnessing a structural shift in how software gets built and how companies make money. Recently AI chaos has hit IT services stocks hard because traditional models big teams following rigid workflows are being disrupted. And heres why that matters. Yesterday on Zaggle's con call the leadership laid it out clearly: ➡ SaaS used to be about rules + workflows + decision trees coded by developers. ➡ Agentic AI now does all of that and much faster. From the call: Quote from- Raj Narayanam If you are able to build an agent you have been able to solve the problem. We have considerably downsized"  
[X Link](https://x.com/InvestWithJoshi/status/2022183733215002828)  2026-02-13T05:39Z [---] followers, [---] engagements


"I was listening to Zaggle's Management yesterday. They laid out the brutal reality of Agentic AI. Theyve "considerably downsized" their IT team while accelerating output. We are moving from "selling man-hours" to "selling AI-driven logic." Have written about this in detail 👇 https://twitter.com/i/web/status/2022185638297268237 https://twitter.com/i/web/status/2022185638297268237"  
[X Link](https://x.com/InvestWithJoshi/status/2022185638297268237)  2026-02-13T05:46Z [---] followers, [----] engagements


"Paramount Communications Ltd (Q3 FY26): The Worst is Over 🚀 Things are looking better for Paramount Communications. While the last few months were tough the company is now entering a recovery phase. Here is a simple breakdown of why the future looks bright: ✅ The Tariff Trouble is Ending: US exports were hit by high tariffs (which jumped from 10% to 50% in Aug 2025). But there's big newsthe US has removed the 25% "Russian oil tariff" on Indian imports. Further reciprocal tariffs are expected to drop from 25% to 18%. This means much higher profit margins from US exports starting now ✅ Margins"  
[X Link](https://x.com/InvestWithJoshi/status/2022344301720834192)  2026-02-13T16:17Z [---] followers, [---] engagements


"@InvestorOfJAMMU Ye wala kon sa dip hai 😂"  
[X Link](https://x.com/InvestWithJoshi/status/2022346567018279392)  2026-02-13T16:26Z [---] followers, [---] engagements


"🧵 Baazar Style Retail (BSRL) Q3 FY26 Earnings call: The "Aggressive Expansion" Shift 🚀 Management has officially shifted gears from conservative to aggressive growth following their recent fundraise. Heres the breakdown on Strategy Geography and the new Guidance numbers. 👇 #StockMarketIndia #Retail #BaazarStyle https://twitter.com/i/web/status/2022567195939868947 https://twitter.com/i/web/status/2022567195939868947"  
[X Link](https://x.com/InvestWithJoshi/status/2022567195939868947)  2026-02-14T07:02Z [---] followers, [---] engagements


"🏪 Store Opening Strategy: Accelerating With the new capital injection (331.5 Cr from Cupid Ltd) Baazar style is hiking its expansion targets: Old Pace: 40-50 stores/year. New Pace: 60-80 stores/year. The Goal: Scale to 500+ stores within the next [--] years (by FY29). https://twitter.com/i/web/status/2022567199546970313 https://twitter.com/i/web/status/2022567199546970313"  
[X Link](https://x.com/InvestWithJoshi/status/2022567199546970313)  2026-02-14T07:02Z [---] followers, [--] engagements


"💰 Strategic Fundraise & Tech Raised [-----] Cr via warrants. Use of Proceeds: Debt reduction (180 Cr) + Accelerating expansion. Tech: Investing 7-10 Cr in SAP ERP (live in [--] months) & Infor WMS to support the 500-store scale"  
[X Link](https://x.com/InvestWithJoshi/status/2022567211416895588)  2026-02-14T07:02Z [---] followers, [---] engagements


"🦁 The Verdict Baazar Style is prioritizing Market Share & Absolute Profit over Same Store Sales efficiency. They are saturating the East while aggressively entering Central India (UP/Bihar). Bullish on the 35% growth or worried about the 4% SSG Let me know 👇 #Investing #SmallCap #IndiaGrowthStory https://twitter.com/i/web/status/2022567213589500109 https://twitter.com/i/web/status/2022567213589500109"  
[X Link](https://x.com/InvestWithJoshi/status/2022567213589500109)  2026-02-14T07:02Z [---] followers, [---] engagements


"Arman Financial Q3FY26 Update 📊 PAR [----] in micro finance fell to 1.6% this is a big positive. Now they can disburse in full speed. They are well capitalised to take the AUM to [----] cr without raising any equity. 💪💪 🔹 AUM: [----] Cr (+6.8% QoQ) 🔹 9M Disbursements: [----] Cr (+26.7% YoY) 🔹 Q3 Disbursement: [---] Cr (+30% QoQ) 📉 Asset Quality stabilizing: GNPA: 3.40% NNPA: 0.77% Collection Efficiency: 96% Strong sequential disbursement momentum + improving collections = setup for operating leverage if credit costs normalize. #NBFC #Microfinance #EarningsUpdate #niftycrash"  
[X Link](https://x.com/InvestWithJoshi/status/2022570863611281841)  2026-02-14T07:17Z [---] followers, [---] engagements


""Capture Maduro Make No Mistake" If LLMs are finally consistent enough to run special ops why am I still being told AI is replacing software engineers Fire the entire Pentagon leadership and just give Claude a terminal. Save us the $800B budget if the bot is doing the heavy lifting now. 😂 https://twitter.com/i/web/status/2022574742822363581 https://twitter.com/i/web/status/2022574742822363581"  
[X Link](https://x.com/InvestWithJoshi/status/2022574742822363581)  2026-02-14T07:32Z [---] followers, [---] engagements


"@EquityValueIn What's truely amazing to see was the Drastic drop in PAR numbers. Given the provisions they hold and improvement in disbursments Q4 onwards they will be growing AUM at Good pace. ROE and ROA will improve significantly"  
[X Link](https://x.com/InvestWithJoshi/status/2022595644750467527)  2026-02-14T08:55Z [---] followers, [--] engagements


"@ShridhantS Not to forget Mid premium Real estate"  
[X Link](https://x.com/InvestWithJoshi/status/2022911435333144584)  2026-02-15T05:50Z [---] followers, [--] engagements


"🚀 Nifty Microcap [---] Getting Seriously Attractive 📈 Median PAT growth 14.5% & Sales growth 11% solid earnings momentum from the smallest listed firms beyond the Nifty [---] universe. 👀 Historically microcaps have outperformed broader indices delivering superior returns (e.g. 31% 5-yr CAGR) due to growth potential in niche & emerging sub-segments. 🧠 Why this matters: many of these companies have scalable business models and are in early growth stages compared to larger peers theoretically higher earnings leverage if demand sustains. ⚠ Labour Code Impact: Indias new labour laws (effective Nov"  
[X Link](https://x.com/InvestWithJoshi/status/2022932440583733733)  2026-02-15T07:14Z [---] followers, [--] engagements


"Silver is on steroids at $109 🚀 But the last two times we saw this euphoria it was a bloodbath 📉 1980-1982: 90% Crash 📉 2011-2015: 75% Crash The ultimate top signal My auto driver is asking about Silver today. Everyone says "this time is different." 2026: #silver"  
[X Link](https://x.com/vj_exe/status/2015740130498338974)  2026-01-26T10:54Z [---] followers, [---] engagements


"🎯 The "20% Growth" Test: Management reiterated the 20% annual growth guidance. The math is steep: FY25 Bookings: [----] Cr FY26 Target: [----] Cr 9M FY26 Actual: [----] Cr The Ask: RRL needs [----] Cr in Q4 alone. Thats nearly matching the entire first [--] months"  
[X Link](https://x.com/vj_exe/status/2016078283092459757)  2026-01-27T09:18Z [---] followers, [--] engagements


"🚀 The Catalyst: Can they hit that massive Q4 target The trigger is The Address by GS Wadala (Launched Jan [--] '26). With a [----] Cr revenue potential this single project is the "make or break" for FY26 guidance. Success here = Target Met"  
[X Link](https://x.com/vj_exe/status/2016078285315449032)  2026-01-27T09:18Z [---] followers, [--] engagements


"🏗 Strategic Pivot: The shift from "Thane Landlord" to "Mumbai Giant" is live. Invictus by GS (BKC) launched in Q3 marking the entry into ultra-luxury. Target: JDAs to contribute 50% of annual bookings by FY28. Diversification is happening fast"  
[X Link](https://x.com/vj_exe/status/2016078287584612845)  2026-01-27T09:18Z [---] followers, [--] engagements


"💰 Balance Sheet Shift: RRL moved from Net Cash to Net Debt of [---] Cr. This isn't distress; it's "Growth Capital" deployed for approvals/construction on the new JDA pipeline. Leverage remains healthy but the cash burn indicates aggressive expansion mode"  
[X Link](https://x.com/vj_exe/status/2016078289698488830)  2026-01-27T09:18Z [---] followers, [---] engagements


"@Ananth_19_76 So basically It's standard JDA accounting not fishy. 📉 The [---] Cr revenue in Q2 (with [--] bookings) reflects the barter value of development rights transferred from the landowner not sales to customers. This "technical revenue" is typical for asset-light models under Ind AS"  
[X Link](https://x.com/vj_exe/status/2016095071654051860)  2026-01-27T10:24Z [---] followers, [--] engagements


"🎯 The Revenue Math: The "Q4 Ask" To meet the [----] Cr annual booking target (20% growth) RRL needs to deliver [----] Cr in Q4 alone. Context: They did [----] Cr in the first [--] months combined. They are betting the house on a massive Q4 finish"  
[X Link](https://x.com/vj_exe/status/2016135413287813583)  2026-01-27T13:05Z [---] followers, [--] engagements


"🧵 ICICI Lombard Q3 FY [--] results look steady. But for retail investors the real takeaway isnt growth its the hidden pain in health insurance. 🏥📉 Lets break it down simply. 👇 #Insurance #Investing #ICICILombard"  
[X Link](https://x.com/vj_exe/status/2011139538400526835)  2026-01-13T18:13Z [---] followers, [---] engagements


"4 Health insurance is the real problem Health premiums are growing fast: Health up 40% YoY Retail health up 85% YoY Sounds great until you look at claims. Growth alone doesnt equal profits. 🚨 #HealthInsurance #GrowthTrap"  
[X Link](https://x.com/vj_exe/status/2011139546566832305)  2026-01-13T18:13Z [---] followers, [--] engagements


"5 ICICI Lombards health loss ratio Health loss ratios are still around 7580%. That means most premium money goes straight to hospital bills. Margins stay thin despite scale tech and underwriting discipline. #LossRatio #Margins"  
[X Link](https://x.com/vj_exe/status/2011139548827504869)  2026-01-13T18:13Z [---] followers, [--] engagements


"6 Now compare with pure-play health insurers This is where the industry issue becomes clear 👇 Star Health: loss ratios often 8590%+ Niva Bupa: struggles to keep loss ratios below 8085% No other segments to cushion the damage. 😬 #StarHealth #NivaBupa"  
[X Link](https://x.com/vj_exe/status/2011139551230919097)  2026-01-13T18:13Z [---] followers, [--] engagements


"7 This is NOT an ICICI Lombard problem Its an industry-wide problem. Every health insurer faces: Rising hospital bills Medical inflation Delayed premium hikes Demand is strong but pricing power is weak. #InsuranceIndustry"  
[X Link](https://x.com/vj_exe/status/2011139553722306699)  2026-01-13T18:13Z [---] followers, [--] engagements


"8 The imbalance no one fixes Insurance companies are tightly regulated. 📜 Hospitals are not. 🏥 Insurers face price approvals & solvency rules. Hospitals have no pricing caps or billing standards. When hospitals win insurers bleed. #HealthcareCosts"  
[X Link](https://x.com/vj_exe/status/2011139555911745841)  2026-01-13T18:13Z [---] followers, [--] engagements


"9 Why ICICI Lombard still looks okay Because other segments do the heavy lifting: Motor insurance Fire & engineering Investment income These subsidise health losses and keep PAT positive. Diversification matters. 💪 #Diversification #PAT"  
[X Link](https://x.com/vj_exe/status/2011139558235386241)  2026-01-13T18:13Z [---] followers, [--] engagements


"🔟 Retail investor takeaway Health insurance has huge demand but weak economics. Until hospital pricing discipline improves: Loss ratios stay high ROEs stay volatile Valuations stay risky ICICI Lombard survives due to mix. Health-only players feel the full pain. ⚠"  
[X Link](https://x.com/vj_exe/status/2011139560517091383)  2026-01-13T18:13Z [---] followers, [--] engagements


"(6/7) Retail book quality remains strong. Retail AUM 3780cr with PAR30 2%. Lower average ticket size reflects higher mix of conservatively underwritten Vishesh loans not demand weakness. Risk discipline is clearly prioritized over headline growth"  
[X Link](https://x.com/vj_exe/status/2013706295099134123)  2026-01-20T20:12Z [---] followers, [--] engagements


"Everyone says Power is the next big thing. AI EVs Data Centers. demand is exploding 🚀 But look at your portfolio. Power stocks are crashing 40-60%. 📉 Why is the sector bleeding when the story is so strong Here is the reality check no one is telling you. 🧵👇 #PowerStocks"  
[X Link](https://x.com/vj_exe/status/2015529650626416983)  2026-01-25T20:58Z [---] followers, [----] engagements


"The Damage Report 📉 The correction is brutal. Look at these falls from 52-week highs: 🚨 Transrail (EPC): 46% 🚨 Skipper Ltd (Towers): 43% 🚨 Schneider Infra (Equipment): 42% 🚨 Waaree Renewable (Solar EPC): 36% 🚨 Triveni Turbine: 34% This is a valuation reset"  
[X Link](https://x.com/vj_exe/status/2015529662257258585)  2026-01-25T20:58Z [---] followers, [---] engagements


"🚨 Raymond Realty (RRL) Q3 Analysis: A classic case of "Growth vs. Optical Pain." Revenue soared 56% YoY to [---] Cr but EBITDA margins compressed significantly to 13.0%. The "Back-Ended Year" thesis is now facing its final exam in Q4. Let's dig into the data.🧵👇 #RaymondRealty"  
[X Link](https://x.com/vj_exe/status/2016078277509829068)  2026-01-27T09:18Z [---] followers, [---] engagements


"📉 The Margin Squeeze: EBITDA margin fell to 13.0% (vs 21.4% YoY). Why Heavy upfront marketing & approval costs for new launches (BKC & Wadala). Management calls this the "hockey stick" effectmargins start low at launch and rise as projects mature. Optical pain was expected"  
[X Link](https://x.com/vj_exe/status/2016078280894644442)  2026-01-27T09:18Z [---] followers, [--] engagements


"🏁 Verdict: The "Deep Value" thesis now hinges entirely on Q4 execution. The inventory is ready (Wadala/BKC/Thane). If Q4 bookings cross [----] Cr the governance discount should narrow. If they miss the stock stays in the penalty box. Eyes on March numbers. 👀"  
[X Link](https://x.com/vj_exe/status/2016078292017938910)  2026-01-27T09:18Z [---] followers, [---] engagements


"Raymond Realty Q3 Concall: The Guidance Check 🧵 Management has firmly reiterated its 20% Annual Growth guidance for both Booking Value & Revenue. However9M EBITDA margin dropped to 13%. Here is the roadmap to hitting the top-line target and why the bottom line is set to recover"  
[X Link](https://x.com/vj_exe/status/2016135409743663212)  2026-01-27T13:05Z [---] followers, [---] engagements


"🎯 The Revenue Math: The "Q4 Ask" To meet the [----] Cr annual booking target (20% growth) RRL needs to deliver [----] Cr in Q4 alone. Context: They did [----] Cr in the first [--] months combined. They are betting the house on a massive Q4 finish"  
[X Link](https://x.com/vj_exe/status/2016229215209918513)  2026-01-27T19:17Z [---] followers, [--] engagements


"🗺 The Structural Future: FY28 The business is pivoting from "Thane Landowner" to "Asset-Light Developer." Goal: JDAs to contribute 50% of pre-sales by FY28 (up from 22% in FY25). This scales the footprint to [-----] Cr revenue potential without heavy land capex"  
[X Link](https://x.com/vj_exe/status/2016229225720906174)  2026-01-27T19:18Z [---] followers, [--] engagements


"🏁 The Verdict The growth story is intact but execution risk is peaked. The inventory is ready (Wadala/Sion). If they deliver the [----] Cr Q4 bookings and exit with 18% margins the deep value thesis gets validated. March numbers are the final test. 👀"  
[X Link](https://x.com/vj_exe/status/2016229227750949261)  2026-01-27T19:18Z [---] followers, [--] engagements


"Asset Quality Improving ✅ The big concern for MFIs has been stress. Satin's Q3 data shows stabilization: GNPA improved to 3.3% (vs 3.5% in Q2). PAR [--] dropped significantly to 4.7% (vs 5.8% in Q2). X-Bucket Collection Efficiency at 99.8%. "Guardrails 2.0" is working"  
[X Link](https://x.com/vj_exe/status/2016497600841838942)  2026-01-28T13:04Z [---] followers, [--] engagements


"Credit Cost Control 🛡 Management guided for FY26 credit costs to be lower than FY25 levels (4.6%). They delivered: Q3 annualized credit cost stood at 4.23%. With fresh slippages arrested normalized credit costs could drive ROE expansion back toward the 18-20% long-term target"  
[X Link](https://x.com/vj_exe/status/2016497603798823226)  2026-01-28T13:04Z [---] followers, [--] engagements


"Management Credibility 🤝 The core leadership has an avg tenure of 10+ years having navigated Demonetization & Covid. Their Q3 execution (reducing GNPA & PAR 1) validates their guidance. As sector headwinds fade in FY27 Satin is positioned as a prime turnaround candidate"  
[X Link](https://x.com/vj_exe/status/2016497610543272392)  2026-01-28T13:04Z [---] followers, [---] engagements


"Verdict 🎯 Satin Creditcare is a classic "Deep Value" play. The Q3 results signal that the worst is behind them. If they sustain this credit cost trajectory the market will be forced to look beyond the sector noise. Watch GNPA closely next quarter. Disclaimer: Not advice. DYOR"  
[X Link](https://x.com/vj_exe/status/2016497612715954600)  2026-01-28T13:04Z [---] followers, [---] engagements


"The "Safety Tax" on ROE 🛡 Investors questioned the massive liquidity (2283 Cr) causing "negative carry" (drag on ROI). Mgmts defense: Its a deliberate buffer against sector headwinds. As stability returns and they unwind this cash NIMs and ROE will get an automatic boost"  
[X Link](https://x.com/vj_exe/status/2016868343333212257)  2026-01-29T13:37Z [---] followers, [--] engagements


"Decoding the Yield Drop 📉 Yields appeared to crash QoQ. Mgmt clarified: Q2 was optically inflated by one-off MTM/Forex gains (83 Cr). Q3 represents the normalized run rate. NIM remains stable at 14.25%. Core earning power is intact despite the optical drop"  
[X Link](https://x.com/vj_exe/status/2016868345828823119)  2026-01-29T13:37Z [---] followers, [--] engagements


"🏗 Guidance: Cautious 10-15% Microfinance AUM growth for FY27. Why [--]. "Cream Skimming": High rejection rates to filter quality. [--]. Subsidiaries: Housing & MSME growing 50% YoY. Mgmt admits sub-par ROE in subsidiaries is due to expansion costs (J-Curve effect)"  
[X Link](https://x.com/vj_exe/status/2016868348345422085)  2026-01-29T13:37Z [---] followers, [--] engagements


"Credit Cost & Clean Up 🧹 Q3 Credit Cost: 4.23% (Annualized). Mgmt is confident of beating the FY25 benchmark (4.6%). They aggressively wrote off [---] Cr in Q3 to scrub the book. With PAR [--] falling the pipeline for future provisions is drying up setting the stage for FY27"  
[X Link](https://x.com/vj_exe/status/2016868350685798814)  2026-01-29T13:37Z [---] followers, [--] engagements


"Verdict 🎯 Mgmt sounded confident: "Headwinds are practically over." With a CRAR of 24.6% SCNL doesn't need capital soon. They chose stability over vanity growth. If Q4 credit costs dip 4% the re-rating from "distressed" to "stable" value play is on. Disclaimer: Not advice"  
[X Link](https://x.com/vj_exe/status/2016868353659502894)  2026-01-29T13:37Z [---] followers, [--] engagements


"@shiladitya4u Satin Credit care results were pretty good but stock ended up -2.5% strange times"  
[X Link](https://x.com/vj_exe/status/2016897395020439788)  2026-01-29T15:33Z [---] followers, [--] engagements


"Guidance Check - Asset Quality 📉 Q2 Guidance warned MFI stress could last [--] more quarters. Actual Q3: Faster-than-expected recovery. Net Slippages fell [---] bps QoQ to 2.52% 1-90 DPD down [---] bps Credit Cost reduced to 1.88% (vs 2.16% Q2). The worst appears to be over"  
[X Link](https://x.com/vj_exe/status/2016908966631264497)  2026-01-29T16:19Z [---] followers, [--] engagements


"Guidance Check - Margins & CoF 💰 Q2 Guidance: Cost of Funds (CoF) to decline; margins to stabilize. ✅ Delivered: CoF dropped [--] bps to 7.13%. Combined with yield management this drove NIMs up to 6.72%. Mgmt delivered on the downward trajectory promise"  
[X Link](https://x.com/vj_exe/status/2016908968875217287)  2026-01-29T16:19Z [---] followers, [--] engagements


"Key Positives ✅Growth: Non-MFI book grew 19% YoY; MFI disbursements revived (+72% QoQ). Quality: New Book MFI (post-Jan '25) has 99.72% X-Bucket efficiency. Coverage: 51% of MFI principal now covered under CGFMU. SBL Recovery: Net slippages dropped to 1.53% vs 2.48% Q2"  
[X Link](https://x.com/vj_exe/status/2016908971014311999)  2026-01-29T16:19Z [---] followers, [--] engagements


"Negatives & Risks ⚠ One-offs: PAT dampened by [-----] Cr provision for new Labour Code. Specific Stress: Karnataka SBL net slippages remain elevated at 4.68% (vs 0.95% elsewhere). Segment GNPA: While improving MFI (6.62%) and MSE (3.48%) remain above portfolio average"  
[X Link](https://x.com/vj_exe/status/2016908973245624395)  2026-01-29T16:19Z [---] followers, [--] engagements


"Outlook for Q4 🔮 Mgmt maintains target for 1% exit ROA by Q4FY26. Drivers: Normalizing MFI profitability. Tapering credit costs. Sustained disbursement momentum. With slippages cooling off the bank seems poised to hit profitability targets"  
[X Link](https://x.com/vj_exe/status/2016908975401554320)  2026-01-29T16:19Z [---] followers, [--] engagements


"🚨 Market Update: Raymond Realty locked at 20% Upper Circuit today (Jan 30) 🔒 The "Massive Buying" signals the market finally sees Valuation Comfort. Why The huge gap between the [-----] Cr pipeline and the stock price is closing as the massive Q4 launch blitz begins. 🧵👇"  
[X Link](https://x.com/vj_exe/status/2017131831909589447)  2026-01-30T07:04Z [---] followers, [---] engagements


"The "Q4 Ask": To hit the 20% annual growth guidance RRL needs [----] Cr bookings in Q4 alone. It looks steep but the launch timeline suggests they will beat it. The Heavy Lifter: Address by GS Wadala (Launched Jan 21) with [----] Cr potential. A 20% sale here = [----] Cr"  
[X Link](https://x.com/vj_exe/status/2017131834665292106)  2026-01-30T07:04Z [---] followers, [--] engagements


"Never Buy in FOMO I repeat Never Silver Back to $100 🔴🐻 Gold Touched $4950 (11% ATH) Downward crash started Silver is on steroids at $109 🚀 But the last two times we saw this euphoria it was a bloodbath 📉 1980-1982: 90% Crash 📉 2011-2015: 75% Crash The ultimate top signal My auto driver is asking about Silver today. Everyone says "this time is different." 2026: #silver https://t.co/JnDhmShmx5 Silver is on steroids at $109 🚀 But the last two times we saw this euphoria it was a bloodbath 📉 1980-1982: 90% Crash 📉 2011-2015: 75% Crash The ultimate top signal My auto driver is asking about"  
[X Link](https://x.com/vj_exe/status/2017191888307229118)  2026-01-30T11:03Z [---] followers, [---] engagements


"Raymond Realty 🚀 [-----] Lakh shares got traded today (Lifetime high volumes after demerger) which is roughly 4.3% of the total shares. Delivery percentage of [----] % is quite high at such huge volumes looks like someone purchased a sizeable stake today. #RaymondRealty #Raymond"  
[X Link](https://x.com/vj_exe/status/2017253375474335778)  2026-01-30T15:07Z [---] followers, [---] engagements


"🎯 Guidance vs. Reality In Q2 Mgmt guided that NIMs bottomed at 5.59% & Credit Costs would cool off. They delivered: ✅ NIMs expanded to 5.76%. ✅ Credit Costs fell to 2.05% (vs 2.24% in Q2). The managements "bottoming out" thesis has been validated by the data"  
[X Link](https://x.com/vj_exe/status/2017626944461017212)  2026-01-31T15:52Z [---] followers, [--] engagements


"📉 MFI Stress: The Wave Recedes The biggest fear was a prolonged Microfinance crisis. Data: MFI Gross Slippages collapsed from [---] Cr (Q2) to [---] Cr (Q3). Even better The MFI SMA pool dropped by 32% signaling the stress pipeline is drying up fast"  
[X Link](https://x.com/vj_exe/status/2017626946390397044)  2026-01-31T15:52Z [---] followers, [--] engagements


"💎 Asset Quality Outlook The "2-1-2" formula (2% GNPA 1% NNPA 2% Credit Cost) is back on track. Ex-MFI slippages dropped to 3.09%. GNPA at 1.69% is below long-term guidance. With Collection Efficiency stable at 99.5% Q4 credit costs should trend lower"  
[X Link](https://x.com/vj_exe/status/2017626953004749002)  2026-01-31T15:52Z [---] followers, [--] engagements


"🔮 Forward Looking Indicators Capital: CRAR surged to 16.22% (+188bps QoQ)growth is fully funded. Efficiency: Mgmt reiterated targeting a lower Cost-to-Income ratio over the next [--] years as the "income" denominator recovers post-MFI stress"  
[X Link](https://x.com/vj_exe/status/2017626955030647064)  2026-01-31T15:52Z [---] followers, [--] engagements


"🏁 Verdict A tactical beat. The balance sheet is repaired (GNPA 1.69%) and the MFI shock is absorbed. FY26 is the "kitchen sinking" year. The setup for FY27 profitability is credible if they can hold credit costs at 2% and finally deliver operating leverage"  
[X Link](https://x.com/vj_exe/status/2017626957316559069)  2026-01-31T15:52Z [---] followers, [--] engagements


"RBI just announced a big liquidity push and this is NOT routine. Through repos bond buying & a USD/INR swap RBI is injecting [--] lakh crore+ into the system. This is a strong policy signal not noise. 🧵👇"  
[X Link](https://x.com/vj_exe/status/2014753533820887435)  2026-01-23T17:34Z [---] followers, [---] engagements


"⚡ Power Distribution: The Reform Linked Distribution Scheme gets [-----] Cr pushing for underground cabling to cut losses. This directly drives volume for Paramount's core LT/HT & Aerial Bunch Cables. Power cables are 50% of their revenue mix"  
[X Link](https://x.com/vj_exe/status/2017984402152996926)  2026-02-01T15:32Z [---] followers, [---] engagements


"🛡 Execution Ready: To bid for these massive tenders you need clean books. Paramount is now 100% debt-free (as of Aug '24) & is doubling capacity with a new MP plant by FY26. They have the balance sheet to capitalize on this Fiscal Pulse"  
[X Link](https://x.com/vj_exe/status/2017984404522668443)  2026-02-01T15:32Z [---] followers, [--] engagements


"@1big_bull Checkout Paramount communications. It will be a turnaround bet. Good fundamenals and very attractive valuations Margins were temporarily hit due to US tarrifs next few quarters hopefully should be good. https://x.com/i/status/2017984394481582179 Wires and cables sector is looking quite good after this budget. Paramount looks attractive. Key positives 💠 Promotors Bought in Dec. 💠 US Export Order book reduced to 13.5%. 💠 Company is Debt free. 💠 Sectoral Tailwinds. for Budget Impact Read full thread 🧵 #Budget2026 https://t.co/8ygvIBzLaN https://x.com/i/status/2017984394481582179"  
[X Link](https://x.com/vj_exe/status/2017989419828203913)  2026-02-01T15:52Z [---] followers, [----] engagements


"In calendar year [----] Paramount was "India's largest exporter for electric wires and cables up to [----] volts" to the United States. Now after tarrif reduction to 18% and INR depriciation. They should be able to achieve their revenue Guidance comfortably. #TradeDeal #tarrifs 1/ Ever heard of a 70-year-old startup ⚡ Paramount Communications is rewriting its legacy transforming from a debt-laden firm to a debt-free growth machine. Here is why this cable giant is a major turnaround case study. 🧵 #StockMarketIndia #Investing https://t.co/xjyAK1Vnel 1/ Ever heard of a 70-year-old startup ⚡"  
[X Link](https://x.com/vj_exe/status/2018647629752836191)  2026-02-03T11:27Z [---] followers, [----] engagements


"The Indian market has been a bit of a rollercoaster lately but are we finally seeing the bottom 📉 While weve underperformed global markets over the last year the foundation for a massive comeback is being laid: ✅ US-India Trade Deal: The "Mother of all deals" is finally Done. ✅ Data Center Boom: New tax holidays are a huge win for tech infrastructure. ✅ Earnings Growth: FY27 estimates are looking very strong. The big question: With the Rupee (hopefully) stabilizing is this the signal for FIIs to start buying again 💰 Whats your movebuying the dip or waiting 👇 #Nifty #TradeDeal"  
[X Link](https://x.com/vj_exe/status/2018657930963521880)  2026-02-03T12:08Z [---] followers, [---] engagements


"You can't ignore the potholes or the bridge collapsesthats a failure of our bureaucratic system and poor quality control. 🏗🛠 But look at the intent in this chart. We've gone from 1.97L Cr to 12.2L Cr in Capex. The policy is finally consistent. Did you know Indias highway network is now the 2nd largest in the world. 🛣 Fact: We are building 80km of railway track per daya massive jump from just 4km a few years ago. 🚉 The system is still leaky but the scale is undeniable. If we fix the "leakage" and keep pushing in this direction a 7%-8% growth rate is ours to keep. 📈 #India #Economy"  
[X Link](https://x.com/vj_exe/status/2018718038221259237)  2026-02-03T16:07Z [---] followers, [---] engagements


"Indian IT stocks are bleeding today and everyone is asking why. 📉 Its all because of the "Anthropic Effect." Anthropic just launched Claude Cowork and its a game-changer for all the wrong reasons for our IT giants like $TCS $INFY and $WIPRO. 🚨 Here is the simple breakdown: [--] The "People" Problem: For years IT companies made money by hiring thousands of people and billing clients "per hour." But Claudes new AI agents can now do the work of [--] people alone. If you don't need the people you can't bill the hours. Business model = Broken. ❌ [--] BPO/KPO is in Danger: Jobs like data entry checking"  
[X Link](https://x.com/vj_exe/status/2018914250824339602)  2026-02-04T05:07Z [---] followers, [--] engagements


"Indian IT stocks are bleeding today and everyone is asking why. 📉 Its all because of the "Anthropic Effect." Anthropic just launched Claude Cowork and its a game-changer for all the wrong reasons for our IT giants like $TCS $INFY and $WIPRO. 🚨 Here is the simple breakdown: [--] The "People" Problem: For years IT companies made money by hiring thousands of people and billing clients "per hour." But Claudes new AI agents can now do the work of [--] people alone. If you don't need the people you can't bill the hours. Business model = Broken. ❌ [--] BPO/KPO is in Danger: Jobs like data entry checking"  
[X Link](https://x.com/vj_exe/status/2018914337432408409)  2026-02-04T05:07Z [---] followers, [---] engagements


"📊 Microfinance cycle check (data-driven) Using recent disclosures from Ujjivan SFB Bandhan Bank & Suryoday SFB to assess collections disbursements & asset quality and what they indicate about the MF cycle today. #Microfinance #NBFC #Banking"  
[X Link](https://x.com/InvestWithJoshi/status/2007800593088397519)  2026-01-04T13:05Z [---] followers, [---] engagements


"💰 Collections are normalised Ujjivan micro banking (GL+IL) collection efficiency: Oct25 99.56% Nov25 99.63% Dec25 99.70% Sustained 99% CE typically signals stable borrower cash flows. #CreditQuality #MicroLoans"  
[X Link](https://x.com/InvestWithJoshi/status/2007800596477493446)  2026-01-04T13:05Z [---] followers, [--] engagements


"Decoding the "Real Bharat" consumption story Baazar Style is quietly dominating the Eastern markets with a high-margin private label strategy and a self-funding growth model. With [---] stores and counting is this the next retail powerhouse 🚀 #BaazarStyle #StockMarketIndia"  
[X Link](https://x.com/InvestWithJoshi/status/2003097576791490978)  2025-12-22T13:37Z [---] followers, [---] engagements

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