#  @MacNeillPatrick Pat MacNeill Pat MacNeill posts on X about $upst, $xyz, balance sheet, money the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours. ### Engagements: [---] [#](/creator/twitter::796254776/interactions)  - [--] Week [------] +324% - [--] Month [------] +183% - [--] Months [-------] +11% - [--] Year [-------] +6,609% ### Mentions: [--] [#](/creator/twitter::796254776/posts_active)  - [--] Months [--] +11% - [--] Year [---] +853% ### Followers: [---] [#](/creator/twitter::796254776/followers)  - [--] Week [---] +1.60% - [--] Month [---] +3.30% - [--] Months [---] +27% - [--] Year [---] +176% ### CreatorRank: [---------] [#](/creator/twitter::796254776/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [cryptocurrencies](/list/cryptocurrencies) [countries](/list/countries) [currencies](/list/currencies) [celebrities](/list/celebrities) [automotive brands](/list/automotive-brands) [exchanges](/list/exchanges) [technology brands](/list/technology-brands) [us election](/list/us-election) **Social topic influence** [$upst](/topic/$upst) #17, [$xyz](/topic/$xyz) #33, [balance sheet](/topic/balance-sheet), [money](/topic/money), [$hg](/topic/$hg), [$hgraf](/topic/$hgraf), [auto loans](/topic/auto-loans), [home loans](/topic/home-loans), [ai](/topic/ai), [stocks](/topic/stocks) **Top accounts mentioned or mentioned by** [@henryinvests](/creator/undefined) [@nachunja](/creator/undefined) [@veganhippo21](/creator/undefined) [@santiagoaufund](/creator/undefined) [@torovictorioso](/creator/undefined) [@jevgenijs](/creator/undefined) [@upstart](/creator/undefined) [@bambroughkevin](/creator/undefined) [@zoozaiinvest](/creator/undefined) [@realjimchanos](/creator/undefined) [@indrastocks](/creator/undefined) [@gothamresearch](/creator/undefined) [@rudyhavenstein](/creator/undefined) [@jack](/creator/undefined) [@mrderivatives](/creator/undefined) [@surajpn93](/creator/undefined) [@rebellionaire](/creator/undefined) [@paulxgu](/creator/undefined) [@goddreng10](/creator/undefined) [@waterpolojoe](/creator/undefined) **Top assets mentioned** [Upstart Holdings, Inc. (UPST)](/topic/$upst) [Block, Inc. (XYZ)](/topic/$xyz) [Hamilton Insurance Group, Ltd. (HG)](/topic/$hg) [Fair Isaac, Corp. (FICO)](/topic/$fico) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Bitcoin (BTC)](/topic/$btc) [Capital One Financial Corp. (COF)](/topic/$cof) [Carvana Co. (CVNA)](/topic/$cvna) [Rally (RLY)](/topic/rally) [BlackRock Inc (BLK)](/topic/blackrock) [Goldman Sachs (GS)](/topic/goldman-sachs) [RAI Finance (SOFI)](/topic/$sofi) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Tesla, Inc. (TSLA)](/topic/$tsla) [Fiserv, Inc. (FI)](/topic/$fi) [GoldPro Token (GPRO)](/topic/$gpro) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Etsy Inc (ETSY)](/topic/$etsy) ### Top Social Posts Top posts by engagements in the last [--] hours "@nmukle @wormbaseddiet Yes I find it odd so many are calling for the end of the German economy. It still has a massive trade surplus and incredibly low dept to GDP compared to other major economies. I believe it will endure the best over the next [--] years. While other nations drown in debt" [X Link](https://x.com/MacNeillPatrick/status/1788876160488673715) 2024-05-10T10:18Z [---] followers, [--] engagements "@Cotto Buyout announcement coming I would not be surprised" [X Link](https://x.com/MacNeillPatrick/status/1810796542007333271) 2024-07-09T22:01Z [---] followers, [--] engagements "@RudyHavenstein WHITE HOUSE: BIDEN COMMITS TO GETTING BACK DOWN TO A [--] HANDICAP IF RE-ELECTED" [X Link](https://x.com/MacNeillPatrick/status/1810801135424356474) 2024-07-09T22:20Z [---] followers, [--] engagements "Im expecting the largest rally to occur in the beaten down and left behind stocks. Im long $GPRO as it will benefit massively from the coming liquidity. #bananazone" [X Link](https://x.com/MacNeillPatrick/status/1811488373854400790) 2024-07-11T19:50Z [---] followers, [---] engagements "@Remzztrades $UPST is still just beginning. Many more shorts still yet to cover" [X Link](https://x.com/MacNeillPatrick/status/1845917208167268754) 2024-10-14T19:58Z [---] followers, [---] engagements "$UPST share price holding above $52 is promising. I think the next big pump will happen when the USD starts to fall. Need a signal from the Fed and then it's 🚀🚀🚀" [X Link](https://x.com/MacNeillPatrick/status/1848472139650760768) 2024-10-21T21:11Z [---] followers, [---] engagements "@SantiagoAuFund It is a generational transfer. Once the Millennials occupy the majority of government there will be wealth taxes everywhere" [X Link](https://x.com/MacNeillPatrick/status/1848979131083419753) 2024-10-23T06:45Z [---] followers, [---] engagements "@HenryInvests It was good to hear your initial perspective. The sentiment in the stock will change dramatically as they continue to turn the corner on profitability and launch new products" [X Link](https://x.com/MacNeillPatrick/status/1851764623709745225) 2024-10-30T23:14Z [---] followers, [--] engagements "@haralabob [--] years of Kamala" [X Link](https://x.com/MacNeillPatrick/status/1854947933986103470) 2024-11-08T18:03Z [---] followers, [---] engagements "@HenryInvests Wow Does there model predict a random number plus or minus [--] percent of the current price The speed at which the fundamentals are changing for $UPST means that they will continue to be way behind" [X Link](https://x.com/MacNeillPatrick/status/1855981855897489638) 2024-11-11T14:32Z [---] followers, [---] engagements "@ThatChrisRyan They believe they are signalling a virtue by not contributing to Elons platform. They also hope they have followers that will leave the platform with them" [X Link](https://x.com/MacNeillPatrick/status/1857190837018370194) 2024-11-14T22:36Z [---] followers, [--] engagements "@HenryInvests $SQ is my largest position -Last four Qs profitable so eligible for SP500 inclusion -Revenue will accelerate as monetary conditions keep easing -Increased share buyback -Cap on headcount so slower compensation dilution" [X Link](https://x.com/MacNeillPatrick/status/1862624707725443196) 2024-11-29T22:28Z [---] followers, [---] engagements "@HenryInvests $OPEN is a smaller position that I just started buying. Declining interest rates will trigger a big rally in the stock" [X Link](https://x.com/MacNeillPatrick/status/1862625614278074729) 2024-11-29T22:32Z [---] followers, [---] engagements "@tyjjjjones I strongly believe that $SQ will be added soon. Call me cynical but I believe the recent upgrades and capital flows are due to info being leaked" [X Link](https://x.com/MacNeillPatrick/status/1863663093680681370) 2024-12-02T19:14Z [---] followers, [---] engagements "@RudyHavenstein Did he just call JPOW Vince McMahon. that may land him in some hot water" [X Link](https://x.com/MacNeillPatrick/status/1863706137888980997) 2024-12-02T22:05Z [---] followers, [----] engagements "@LogWeaver After following @SantiagoAuFund I have to say the answer is neither. The USD influence keeps growing every day and no BRICS currency will ever exist" [X Link](https://x.com/MacNeillPatrick/status/1874949202012414082) 2025-01-02T22:41Z [---] followers, [--] engagements "@Veganhippo21 They announced that they were short $SQ in [----]. They probably got blown-out of that position in December" [X Link](https://x.com/MacNeillPatrick/status/1879650089347805204) 2025-01-15T22:01Z [---] followers, [---] engagements "Buy order is in at $48. $UPST will get back momentum based on improving fundamentals once the market improves. These levels are a gift for those that still have some ability to add" [X Link](https://x.com/MacNeillPatrick/status/1899092828946342111) 2025-03-10T13:39Z [---] followers, [----] engagements "50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year" [X Link](https://x.com/MacNeillPatrick/status/1899104539044683910) 2025-03-10T14:26Z [---] followers, [----] engagements "$UPST is about to boom. Please be prepared" [X Link](https://x.com/MacNeillPatrick/status/1901680109808996513) 2025-03-17T17:00Z [---] followers, [----] engagements "@torovictorioso $XYZ also has an extra $6.2 billion in tangible book value. Lots of balance sheet room to buy back shares or make a big acquisition" [X Link](https://x.com/MacNeillPatrick/status/1902012246366056546) 2025-03-18T15:00Z [---] followers, [---] engagements "@jevgenijs The current perspective as a $XYZ shareholder is that they did not pay too much for Afterpay. They used their richly valued stock at the time to acquire a strategic asset. If they were attempting to acquire today it would cost $20B and could not afford it" [X Link](https://x.com/MacNeillPatrick/status/1902096175244661203) 2025-03-18T20:34Z [---] followers, [---] engagements "Almost [--] years ago $XYZ Block agreed to acquire Afterpay for $29 Billion. Block now has $8.5 Billion in tangible book value and implied EV of $25 Billion. Where is the accelerated buyback @jack @jimcramer @nachunja" [X Link](https://x.com/MacNeillPatrick/status/1907162095247905256) 2025-04-01T20:04Z [---] followers, [----] engagements "The threat of tariffs is over. Life will go on after tariffs and the $UPST will continue higher. 🚀🚀🚀" [X Link](https://x.com/MacNeillPatrick/status/1907459031595196597) 2025-04-02T15:44Z [---] followers, [----] engagements "@AmritaAhuja How is the share purchase program coming $XYZ Now would be a good time to accelerate the program. The stock is cheap" [X Link](https://x.com/MacNeillPatrick/status/1907462447234978281) 2025-04-02T15:57Z [---] followers, [--] engagements "Bought more $UPST 65% off the highs for the year. Had to sell other stocks so now I have exactly [--] stocks in my retirement account. Sometimes you have to do what appears crazy" [X Link](https://x.com/MacNeillPatrick/status/1910062545144078501) 2025-04-09T20:09Z [---] followers, [----] engagements "$UPST is up [--] percent in the last year. High volatility comes with extremely high returns. There is no break to the trend. Upstart will continue to be amongst the highest returning stocks a year from now" [X Link](https://x.com/MacNeillPatrick/status/1911869973317693652) 2025-04-14T19:51Z [---] followers, [----] engagements "$UPST should also benefit from the rising global money supply. Both for the liquidity of the fundamentals of their business. 🚀🚀🚀 This chart is looking better by the day https://t.co/elngfVhmAg This chart is looking better by the day https://t.co/elngfVhmAg" [X Link](https://x.com/MacNeillPatrick/status/1912178215818277154) 2025-04-15T16:16Z [---] followers, [----] engagements "$UPST now up 90% on a [--] year basis. USD has declined massively which increases global money supply and boosts risk assets. Upstart will be one of the fastest horses in this race. Stay tuned" [X Link](https://x.com/MacNeillPatrick/status/1914691312768500006) 2025-04-22T14:42Z [---] followers, [----] engagements "More lending follows the easing of financial conditions. $UPST will capture a lot of the growth. This is just the beginning. None of us are bullish enough. [--] Trustpilot Reviews yesterday thats good like really good 👍 $UPST [--] Trustpilot Reviews yesterday thats good like really good 👍 $UPST" [X Link](https://x.com/MacNeillPatrick/status/1915004145519517814) 2025-04-23T11:25Z [---] followers, [----] engagements "$UPST moved up over $30 per share in the [--] days leading and day after Q3 earnings. Dont underestimate how quickly the next move will be" [X Link](https://x.com/MacNeillPatrick/status/1915127633865810321) 2025-04-23T19:36Z [---] followers, [----] engagements "$UPST attempts to keep this stock down are failing hard. We have a wrecking ball to the short sellers" [X Link](https://x.com/MacNeillPatrick/status/1915416432118005779) 2025-04-24T14:43Z [---] followers, [----] engagements "@SantiagoAuFund Does Canada get closer economically to China Europe or the United States going forward" [X Link](https://x.com/MacNeillPatrick/status/1917648765608935933) 2025-04-30T18:34Z [---] followers, [---] engagements "$UPST 🥱There is a long way to go. New highs for the year are in play in the next [--] weeks" [X Link](https://x.com/MacNeillPatrick/status/1921949192466972877) 2025-05-12T15:22Z [---] followers, [----] engagements "@HenryInvests This is huge And I dont think these data points will be outliers in retrospect but rather the start of further acceleration in growth. The benefits of automation and increased confidence in their underwriting" [X Link](https://x.com/MacNeillPatrick/status/1931477451051270570) 2025-06-07T22:24Z [---] followers, [--] engagements "$UPST is winning. $FICO is on its way out of business. https://www.tipranks.com/news/the-fly/fico-approves-new-stock-repurchase-program-up-tp-1b-thefly https://www.tipranks.com/news/the-fly/fico-approves-new-stock-repurchase-program-up-tp-1b-thefly" [X Link](https://x.com/MacNeillPatrick/status/1935920209975476406) 2025-06-20T04:38Z [---] followers, [---] engagements "@HenryInvests Did someone say very large TAM. $UPST is about to lead a massive wave of Fintech investments" [X Link](https://x.com/MacNeillPatrick/status/1937464536644350162) 2025-06-24T10:55Z [---] followers, [----] engagements "The evolution of the company is happening fast. No longer just a provider of personal loans. Now new partners are using $UPST for Home and Auto. As the narrative changes investors will realize the upside is much greater and will reevaluated the stock. .@cobaltcu is the first credit union partnering with @upstart on personal home and auto lending. The future is now $UPST https://t.co/icCQHdz8CO https://t.co/ARNKRfuYNh .@cobaltcu is the first credit union partnering with @upstart on personal home and auto lending. The future is now $UPST https://t.co/icCQHdz8CO https://t.co/ARNKRfuYNh" [X Link](https://x.com/MacNeillPatrick/status/1937992409113366669) 2025-06-25T21:52Z [---] followers, [----] engagements "2020: "What do they do" 2021-2025: "They are a personal loan company" [----] and beyond: "They have revolutionized credit and have changed how all banks issue loans"" [X Link](https://x.com/MacNeillPatrick/status/1937993737604415833) 2025-06-25T21:58Z [---] followers, [---] engagements "$UPST got to $400 a share when almost nobody including the people who owned and recommended the stock knew what the business was" [X Link](https://x.com/MacNeillPatrick/status/1937995348888166627) 2025-06-25T22:04Z [---] followers, [---] engagements "The fundamentals of $UPST are improving rapidly. The company announced a huge partnership and UTPI is forecasting a big revenue beat for Q2. What are some other catalysts that can keep the stock moving higher" [X Link](https://x.com/MacNeillPatrick/status/1938200449439477915) 2025-06-26T11:39Z [---] followers, [----] engagements "Near term factors could include: [--]. Continued broad stock market momentum - $UPST has a high beta [--]. Wall Street analysts raise estimates going into Q2 report [--]. A large institutional investor accumulates a big position [--]. FOMO" [X Link](https://x.com/MacNeillPatrick/status/1938201095870026132) 2025-06-26T11:42Z [---] followers, [---] engagements "There will be a new buyer of private credit loans and it will be a very big one. Blackrock to offer Private credit investments to its 401K offer. Which means a potentially massive partner for $UPST starting next year. What if you could grow your 401(k) by approximately 15% over [--] years Our latest paper explores how private markets can play a powerful role in improving retirement outcomesand how target date solutions can help make it happen. Read the full paper to learn more: https://t.co/v1zFRFEGkI What if you could grow your 401(k) by approximately 15% over [--] years Our latest paper" [X Link](https://x.com/MacNeillPatrick/status/1938329061270733014) 2025-06-26T20:10Z [---] followers, [---] engagements "@HenryInvests Great work The [--] day moving average is definitely an improvement. The trend is very clear and consistent. I am as bullish on $UPST as ever and look forward to the Q2 results" [X Link](https://x.com/MacNeillPatrick/status/1940005392072716768) 2025-07-01T11:11Z [---] followers, [----] engagements "This feels like a slow grind higher but up 34% from this purchase. Very soon $UPST will go parabolic. We are just getting started. 50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year. https://t.co/j5jXZm1TUh 50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year. https://t.co/j5jXZm1TUh" [X Link](https://x.com/MacNeillPatrick/status/1940061464481440029) 2025-07-01T14:54Z [---] followers, [----] engagements "The reason I believe $UPST is about to go parabolic is because the fundamentals are already going parabolic. Seen from @HenryInvests UTPI reviews are up 3x from last year and continuing to accelerate higher. Q2 results will reset everyones expectations much higher 🚀🚀🚀 🚨 Upstart $UPST posted [----] Trustpilot reviews in Q2 representing 37.2% q/q growth #UTPI FINAL Q2 Update 7/1/25🚨 The 28d moving average for Upstart Trustpilot reviews currently sits at [-----] up 41.6% since the start of Q2 up 66.3% from January 1st and is currently sitting https://t.co/NA2l4DLtx3 🚨 Upstart $UPST posted 2422" [X Link](https://x.com/MacNeillPatrick/status/1940077779480945029) 2025-07-01T15:59Z [---] followers, [----] engagements "The $UPST share price is now exploding higher and yet it is quiet on here. I see this as bullish. More people will learn about Upstarts massive opportunity and want to become shareholders" [X Link](https://x.com/MacNeillPatrick/status/1940477258701156707) 2025-07-02T18:26Z [---] followers, [----] engagements "The CEO is enthusiastic and optimistic about the future of $UPST Great to see as a shareholder. $1T revenue opportunity for AI-enabled lending. If not @upstart then who $UPST $1T revenue opportunity for AI-enabled lending. If not @upstart then who $UPST" [X Link](https://x.com/MacNeillPatrick/status/1940516543068283278) 2025-07-02T21:02Z [---] followers, [----] engagements "@HenryInvests Wow Q2 hedge fund reports will be interesting. Things are starting to get really interesting" [X Link](https://x.com/MacNeillPatrick/status/1941886664667783615) 2025-07-06T15:47Z [---] followers, [---] engagements "Buying now is still buying the dip. $UPST" [X Link](https://x.com/MacNeillPatrick/status/1942248618624241789) 2025-07-07T15:45Z [---] followers, [----] engagements "@RajTheGreat100 $UPST has weathered the harshest storm which was a prolonged period of declining money supply. Now more resilient and ready to capture massive growth. Good times ahead" [X Link](https://x.com/MacNeillPatrick/status/1942495052569235939) 2025-07-08T08:04Z [---] followers, [---] engagements "$UPST As fast as the stock appears to be rising it is not even keeping pace with the increase in the Trustpilot index. The moving average has blown through [--] and may get to [--] by month end. Last year it was at 10" [X Link](https://x.com/MacNeillPatrick/status/1942944964100440384) 2025-07-09T13:52Z [---] followers, [----] engagements "This is how I feel when people question how the stock can keep going up without Fed rate cuts $UPST" [X Link](https://x.com/MacNeillPatrick/status/1943332599402746196) 2025-07-10T15:32Z [---] followers, [----] engagements "@HenryInvests Great news that the review counts continue to break records It appears $UPST is in an exponential growth phase. During this phase I weight the aggressive scenario probability much higher. Not expecting any major pullbacks in the stock. Cant wait for Q2 earnings" [X Link](https://x.com/MacNeillPatrick/status/1944139647962992645) 2025-07-12T20:59Z [---] followers, [---] engagements "@mprashanth09X It looks to me like an acknowledgment that Fintech is winning. Big banks cannot keep up and improve their product so they will continue to find more ways to charge rent on their monopoly status. This will motivate faster development of systems that do not rely on banks at all" [X Link](https://x.com/MacNeillPatrick/status/1944330261082132797) 2025-07-13T09:37Z [---] followers, [---] engagements ""The story of my demise is greatly exaggerated" $UPST - JPMorgan Goldman Sachs cannot stop this train. There is a massive change in credit access happening. Customers want frictionless and fast access to credit and Upstart is the leader and will continue to be" [X Link](https://x.com/MacNeillPatrick/status/1944838315422761108) 2025-07-14T19:16Z [---] followers, [----] engagements "I had no money left just some margin room available. So I bought a [---] shares of $UPST then bought [--] different sets of Call options. Sold some for a profit and now ready to exercise and buy [---] more shares. Just in time for the next leg up Lets go" [X Link](https://x.com/MacNeillPatrick/status/1945560999475458525) 2025-07-16T19:07Z [---] followers, [----] engagements "$UPST the stock price is going higher but the market is still unaware of how quickly Upstarts growth has accelerated Q2 earnings will change everything. The speed at which this business scales revenue and profitability will no longer be secret. 🚀🚀" [X Link](https://x.com/MacNeillPatrick/status/1945939624699814198) 2025-07-17T20:12Z [---] followers, [----] engagements "UTPI continues on its upward trajectory. It is up approximately 100% from when Q3 was reported last year when the stock price hit $80. We are do for another 100% gain on $UPST from here. 🚨 The Upstart Trustpilot Index #UTPI has made new ALL-TIME HIGHS $UPST 🚨 https://t.co/0J7ork5GVU 🚨 The Upstart Trustpilot Index #UTPI has made new ALL-TIME HIGHS $UPST 🚨 https://t.co/0J7ork5GVU" [X Link](https://x.com/MacNeillPatrick/status/1947378521892131217) 2025-07-21T19:29Z [---] followers, [----] engagements "I woke up today and saw $UPST was down. I thought how can I be even more irresponsibly long than I already am $150 incoming" [X Link](https://x.com/MacNeillPatrick/status/1947697581624086756) 2025-07-22T16:37Z [---] followers, [----] engagements "I continue to add because I believe in the fundamentals and I believe the market will continue to wake up and understand the value of this business. We are riding an exponential growth curve. There will be no linear mean reversion. Capture the opportunity when it arises" [X Link](https://x.com/MacNeillPatrick/status/1948078443385495711) 2025-07-23T17:51Z [---] followers, [----] engagements "$UPST is just getting started. Upstart has the best credit solution for car dealers and it's still very early in its adoption. Two Ford [--] Nissan [--] Toyota and [--] Indy dealerships onboard w/ @upstart just this week. And not done yet Upstart Auto Finance is ripping 📈 Two Ford [--] Nissan [--] Toyota and [--] Indy dealerships onboard w/ @upstart just this week. And not done yet Upstart Auto Finance is ripping 📈" [X Link](https://x.com/MacNeillPatrick/status/1948490778365546647) 2025-07-24T21:09Z [---] followers, [----] engagements "@PepperPoundTown That sounds risky. Growth improved in April and likely accelerate throughout the quarter" [X Link](https://x.com/MacNeillPatrick/status/1948785061198721065) 2025-07-25T16:38Z [---] followers, [---] engagements "$UPST Auto and Home loans are still in their infancy for Upstart but combined grew over 500% year over year in Q1. Currently a small fraction compared to Personal loan originations but has the potential to be much greater in a few years" [X Link](https://x.com/MacNeillPatrick/status/1948810550747558179) 2025-07-25T18:20Z [---] followers, [----] engagements "$SOFI announced a big stock sale which has hit their stock price. Anyone have expectation of an $UPST capital raise this year I dont believe they will need to raise any capital. Upstart will generate a lot of free cash flow going forward and credit markets continue to be strong" [X Link](https://x.com/MacNeillPatrick/status/1950466018586882291) 2025-07-30T07:58Z [---] followers, [----] engagements "$UPST has the best growth story in all of Fintech. Until Upstart trades at the valuations of the top names like $HOOD I will continue to buy OTM Calls and hold until expiry. Thank you for your attention on this matter" [X Link](https://x.com/MacNeillPatrick/status/1950949973379412207) 2025-07-31T16:01Z [---] followers, [----] engagements "Tomorrow $UPST could post 100% Y/Y revenue growth. The market will not be able to ignore that level of growth. Expect more coverage on CNBC and other financial media. This stock is currently overlooked but that is about to change" [X Link](https://x.com/MacNeillPatrick/status/1952439495275758015) 2025-08-04T18:40Z [---] followers, [----] engagements "@TheSqeakyMouse The potential of this company is so huge. Buyers seem to be in a rush to get in ahead of the company announcing a big contract. Valuation could easily be above a Billion after Nasdaq listing" [X Link](https://x.com/MacNeillPatrick/status/1952464890230399353) 2025-08-04T20:21Z [---] followers, 10.5K engagements "The difficulty in valuing Hydrograph $HG $HGRAF [---] companies are testing their Graphene when do these turn into commercial contracts -Gross margins potentially software like(80%) -Customers will need massive scale (think $TSLA) -Its a traded on a small exchange" [X Link](https://x.com/MacNeillPatrick/status/1952590150141112808) 2025-08-05T04:39Z [---] followers, [----] engagements "Uncertainty with the upside of a 100+ Billion value company. The value one puts on this opportunity is all about probabilities. Here is a start - 10% probability of a $100 valuation in [--] years. Discounted to today to get $4 Billion a 16X return $HGRAF $HG Hydrograph" [X Link](https://x.com/MacNeillPatrick/status/1952592975759859712) 2025-08-05T04:50Z [---] followers, [---] engagements "$UPST massive earnings beat - Final Answer" [X Link](https://x.com/MacNeillPatrick/status/1952787390373712006) 2025-08-05T17:42Z [---] followers, [----] engagements "@HenryInvests UTPI is very accurate I had a great read on this Q because of it. Now if only the market agreed with my optimism on what the results mean" [X Link](https://x.com/MacNeillPatrick/status/1952830594158641159) 2025-08-05T20:34Z [---] followers, [---] engagements "$UPST so the market reaction is concerns over balance sheet growth. The loans on Upstarts book are higher because Auto/Home are growing faster then they thought imaginable. Management will finalize a transaction to sell these loans before year end" [X Link](https://x.com/MacNeillPatrick/status/1952834097677488599) 2025-08-05T20:48Z [---] followers, [----] engagements "$UPST would love to hear from someone who has been a holder of Upstart but will be selling because of these results. Is anybody out there" [X Link](https://x.com/MacNeillPatrick/status/1952845453869097344) 2025-08-05T21:33Z [---] followers, [----] engagements "$UPST Home and Auto loans underwritten by Upstart are a new asset for private credit pools of capital. It takes time to develop the relationship and get the correct pricing for these investors. Once established there will be huge appetite for them" [X Link](https://x.com/MacNeillPatrick/status/1952848544869523862) 2025-08-05T21:45Z [---] followers, [----] engagements "$UPST grew Auto plus Home originations 600% y/y this Quarter to an annual run rate of $728 Million per year. Total origination market for Home and Auto is +2Trillion. If $UPST gets to 1% market share they grow another 2650%" [X Link](https://x.com/MacNeillPatrick/status/1953031044321493487) 2025-08-06T09:51Z [---] followers, [----] engagements "$UPST The massive success that is Auto and Home loan growth is a scary situation for short sellers. We are one big funding announcement away from having to massively increase growth estimates. Once in place Auto/Home loans will become a huge profit contributor" [X Link](https://x.com/MacNeillPatrick/status/1953077474033615345) 2025-08-06T12:55Z [---] followers, [----] engagements "$UPST Sitting here waiting for the short sellers to finish their attack" [X Link](https://x.com/MacNeillPatrick/status/1953199407186268480) 2025-08-06T21:00Z [---] followers, [----] engagements "$UPST Back to our regularly scheduled bull market" [X Link](https://x.com/MacNeillPatrick/status/1953461269509345656) 2025-08-07T14:20Z [---] followers, [----] engagements "@nachunja It is also good to see share count finally going down. To go with the inclusion in the SP500 there is a huge tailwind now" [X Link](https://x.com/MacNeillPatrick/status/1953554526159745127) 2025-08-07T20:31Z [---] followers, [---] engagements "@jevgenijs It is an interesting comp because merchant solutions is about half of $FI revenue similar to Block. also I believe that Cash App can keep growing faster than $FI Financial solutions" [X Link](https://x.com/MacNeillPatrick/status/1953779663865581900) 2025-08-08T11:25Z [---] followers, [--] engagements "@Simonkhalaf @JSchwarz9 The key is the ability to add margin without CAC. Every Cash App user will know they have access to a personal loan just by opening the App. Also the history of the users creates great underwriting intelligence" [X Link](https://x.com/MacNeillPatrick/status/1953989138069238115) 2025-08-09T01:18Z [---] followers, [---] engagements "This is how I am thinking about Hydrograph - it doesnt matter that it was much cheaper just a few months ago. The shares trade now at an incredibly cheap price when thinking about it as a discount on the future. $HG $HGRAF Peter Thiel on the importance of pitching your startup as a discount to the future Most founders will pitch their startup valuation as a sort of premium on the last round (e.g. Our valuation last year was X weve made Y progress and now we deserve a valuation 2x greater.) https://t.co/WZ0fSHxWhH Peter Thiel on the importance of pitching your startup as a discount to the" [X Link](https://x.com/MacNeillPatrick/status/1954240053003042866) 2025-08-09T17:55Z [---] followers, [----] engagements "@torovictorioso Check out the enterprise value of $FICO compared to $XYZ. oh boy the market is not efficient $FICO with $1.6 billion TTM GP and EV of $34 Billion" [X Link](https://x.com/MacNeillPatrick/status/1954276544844906987) 2025-08-09T20:20Z [---] followers, [---] engagements "@ChrisWillx This is called demographics. Money and visceral fat compound with time" [X Link](https://x.com/MacNeillPatrick/status/1954295977579540953) 2025-08-09T21:37Z [---] followers, [--] engagements "The big time Silicon Valley VCs are ignoring the massive opportunity to buy shares in Hydrograph. Even though the company has the characteristics of a company that they would fire $10-$100 mil checks at in the blink of an eye. $HG $HGRAF" [X Link](https://x.com/MacNeillPatrick/status/1954308271633735838) 2025-08-09T22:26Z [---] followers, [----] engagements "@HenryInvests Re: Home/Auto funding - this was a very important pull by you "roughly between now and the end of the year.". I interpret this to mean they are in late stage negotiations. I estimate this Q home/auto could do $250 mil which means they will want to finalize a deal this Q" [X Link](https://x.com/MacNeillPatrick/status/1954310785695371636) 2025-08-09T22:36Z [---] followers, [---] engagements "@HenryInvests They would not want to bring cash down to $100 million and then continue to need to fund in Q4. They also don't want to sell equity at these prices. So deal has to be done very soon I believe" [X Link](https://x.com/MacNeillPatrick/status/1954311221584232798) 2025-08-09T22:37Z [---] followers, [---] engagements "@BambroughKevin @NolichuckeyJack A big chain of events that build - Redomicile - commitment to US production - US grant funding and customer deposits - Nasdaq listing - ramp up in production - International expansion. .and on and on" [X Link](https://x.com/MacNeillPatrick/status/1954520704281350617) 2025-08-10T12:30Z [---] followers, [--] engagements "Always good to pull up the [--] year chart for reference. $UPST took a hit but the narrative and trend is still intact. The market will need an announced funding deal for auto/home loans before we break the highs for the year. I am confident management is working on it" [X Link](https://x.com/MacNeillPatrick/status/1955366427944505603) 2025-08-12T20:31Z [---] followers, [----] engagements "Hydrograph $HG $HGRAF became my largest holding this week. Rewatching interviews with the CEO and Dr Sorensen this weekend. Also studying the chemistry and graphene market in more depth. To remain fully invested for the long term I must have a greater understanding" [X Link](https://x.com/MacNeillPatrick/status/1956665735448522956) 2025-08-16T10:33Z [---] followers, 10.2K engagements "@amotts34 $UPST - grew last Q at 102%. Stock fell from balance sheet fears that they will not find a buyer for auto loans. They will become a huge player in all loan categories" [X Link](https://x.com/MacNeillPatrick/status/1956748419650703803) 2025-08-16T16:02Z [---] followers, [---] engagements "A direct competitor to $UPST in auto lending is Lendbuzz. They have been successfully selling securitized loans through investment banks for the past few years. https://www.citybiz.co/article/713873/lendbuzz-completes-266-million-asset-backed-securitization/ https://www.citybiz.co/article/713873/lendbuzz-completes-266-million-asset-backed-securitization/" [X Link](https://x.com/MacNeillPatrick/status/1956820560639381659) 2025-08-16T20:49Z [---] followers, [----] engagements "@MMMTwealth $UPST waiting for an announcement on long term funding for the auto loan business. That will be the catalyst to get back to the highs for the year" [X Link](https://x.com/MacNeillPatrick/status/1957542544876925183) 2025-08-18T20:38Z [---] followers, [---] engagements "$HGRAF $HG I bought the dip this afternoon. I believe the risk is worth the reward. I can wait out these short sellers while the company delivers on its milestones and gets closer to scaled production. Good news from today is that there is no imminent financing. Good luck to all" [X Link](https://x.com/MacNeillPatrick/status/1957895080754163915) 2025-08-19T19:58Z [---] followers, [----] engagements "@Veganhippo21 Hopefully JPM is helping to sell Upstarts auto loan book. That would help a lot" [X Link](https://x.com/MacNeillPatrick/status/1958138833364476295) 2025-08-20T12:07Z [---] followers, [---] engagements "$HG $HGRAF The uncertainty that has been highlighted is not something that holders of the stock are afraid of. Holders are in for the ability to get in early to something that can be huge. Volatility and uncertainty is part of the cost of massive potential" [X Link](https://x.com/MacNeillPatrick/status/1958547208468398348) 2025-08-21T15:10Z [---] followers, [----] engagements "$GPRO a lot of speculation surrounding the stocks 30% rise today. Could it be a potential bid to take the company private Or just another retail pump like $OPEN" [X Link](https://x.com/MacNeillPatrick/status/1960055468816240995) 2025-08-25T19:03Z [---] followers, [---] engagements "@MarketMatrixs Add to that an increased share buyback reported last quarter and improving narrative from the launch of their Proto hardware. The current rally should end up being the biggest since [----]. $XYZ" [X Link](https://x.com/MacNeillPatrick/status/1961358586212188565) 2025-08-29T09:21Z [---] followers, [---] engagements "In the last [--] Months Block $XYZ has added $1.1 Billion in Gross Margin and increased its enterprise value by $5 Billion Affirm $AFRM has added $0.5 BN in Gross margin and has increased its enterprise value by $14 Billion" [X Link](https://x.com/MacNeillPatrick/status/1961890565710037186) 2025-08-30T20:35Z [---] followers, [----] engagements "@Veganhippo21 It does appear they are having trouble selling home and auto loans Its hard to explain why they have not sold the auto loans on the book otherwise" [X Link](https://x.com/MacNeillPatrick/status/1965778894503784614) 2025-09-10T14:06Z [---] followers, [---] engagements "$UPST Market cap - $6.5 Billion Last [--] months Gross Margin - $718 Million $OPEN Market cap - $7.0 Billion Last [--] months Gross Margin - $417 Million Both companies are still in their early stages of growth and will benefit from lower interest rates" [X Link](https://x.com/MacNeillPatrick/status/1967687599256113436) 2025-09-15T20:30Z [---] followers, [----] engagements "$UPST Still has asymmetric upside - credit market fears have created a situation where investors have priced in a continued slowing of growth into next year. A dovish Fed will bring back massive growth expectations and will create a huge run in the share price" [X Link](https://x.com/MacNeillPatrick/status/1968020664507568526) 2025-09-16T18:34Z [---] followers, [----] engagements "$UPST making decisions based on the timing of rate cuts and the word choice of the Fed is a fools game. Own assets that will benefit from technological development and the long term trend of monetary debasement. Upstart checks both boxes" [X Link](https://x.com/MacNeillPatrick/status/1968393606172917874) 2025-09-17T19:16Z [---] followers, [----] engagements "$XYZ current share price - $75.39 $ETSY current share price -$74.34 Block: [--] year return - (55.55%) Gross margin % Increase from year end [----] to [----] - 102% Etsy: [--] year return - (43.52%) Gross margin % Increase from year end [----] to [----] - 21%" [X Link](https://x.com/MacNeillPatrick/status/1973017532719362551) 2025-09-30T13:30Z [---] followers, [----] engagements "The next big leg up for the price of $BTC will lead to massive outperformance for $XYZ Block will lead the conversation for public companies with $BTC exposure Proto mining Square seller adoption Block one of the largest $BTC reserves" [X Link](https://x.com/MacNeillPatrick/status/1973019721886040479) 2025-09-30T13:38Z [---] followers, [----] engagements "@HenryInvests Poor loan performance does matter because it would cause loan buyers to not want to buy future issuance. However I don't believe those details are currently what is driving the sentiment. I believe it is an overall fear that the current health of the consumer is weak" [X Link](https://x.com/MacNeillPatrick/status/1973033941654446210) 2025-09-30T14:35Z [---] followers, [---] engagements "$UPST up 5.4% pre-market after analyst correction. Unbelievable. Total lack of professional standards" [X Link](https://x.com/MacNeillPatrick/status/1973358416652566803) 2025-10-01T12:04Z [---] followers, [----] engagements "$UPST is poised to bounce back. -Trustpilot reviews finished the Q strong -BTIG report and narrative completely discredited -Future funding announcements will create optimism that next years growth will be strong with [--] new products getting to scale" [X Link](https://x.com/MacNeillPatrick/status/1973458787471360000) 2025-10-01T18:43Z [---] followers, [----] engagements "If $XYZ management believes that the stock is very undervalued they should complete their share buyback program and announce a new and larger one interesting tweet interesting tweet" [X Link](https://x.com/MacNeillPatrick/status/1973756257665523735) 2025-10-02T14:25Z [---] followers, [----] engagements "$UPST Last October Upstart announced a $2 Bn funding deal with Blue Owl then announced a big Q3 beat which created a massive run in the stock. The upcoming funding deal will be large and restart momentum and optimism. Just some patience is needed" [X Link](https://x.com/MacNeillPatrick/status/1973779418830209276) 2025-10-02T15:57Z [---] followers, [----] engagements "@HenryInvests $UPST has so many competitors that it's hard to analyze them all. They are developing the everything store for credit so compete with traditional lenders. Their AI underwriting will turn $FICO into Blockbuster. Auto dealership software competes with Lendbuzz and others" [X Link](https://x.com/MacNeillPatrick/status/1973841313352008131) 2025-10-02T20:03Z [---] followers, [---] engagements "@HenryInvests $UPST beats big banks with far superior product and speed to access money. Beats $FICO with AI. Beats Lendbuzz with funding diversification for auto loans" [X Link](https://x.com/MacNeillPatrick/status/1973841872616599900) 2025-10-02T20:05Z [---] followers, [---] engagements "$XYZ Im willing to call it. Block share price passes through [--] and it breaks out and never goes below" [X Link](https://x.com/MacNeillPatrick/status/1974149963828637739) 2025-10-03T16:30Z [---] followers, [----] engagements "$UPST I counted [--] Trustpilot reviews early this morning in the prior [--] hour period. Upstart appears to be proving personal loans at its highest rate ever. As a long term holder this is an important signal. The business continues to grow" [X Link](https://x.com/MacNeillPatrick/status/1975458282858070225) 2025-10-07T07:08Z [---] followers, [----] engagements "$XYZ The stock is about to really get moving. Despite having held for many years while the stock lagged behind I have recently bought more. Insurance against my future self wishing that I had bought more after the share price goes up another 50%" [X Link](https://x.com/MacNeillPatrick/status/1975955795625013675) 2025-10-08T16:05Z [---] followers, [----] engagements "@torovictorioso $XYZ is a $50 Billion stock. The price is the price. and it's cheap" [X Link](https://x.com/MacNeillPatrick/status/1975960367210938491) 2025-10-08T16:23Z [---] followers, [---] engagements "Proto Rigs are available on back order and out of stock on other websites. Could add a material amount of Gross Profit in Q4 depending on how fast they are being manufactured https://apextomining.com/product/proto-rig-bitcoin-miner/srsltid=AfmBOoqPFdua4GmP9weNsVZ3nKXvodVbdEAo3BHmRqjfpUBqYt_iQylr https://apextomining.com/product/proto-rig-bitcoin-miner/srsltid=AfmBOoqPFdua4GmP9weNsVZ3nKXvodVbdEAo3BHmRqjfpUBqYt_iQylr" [X Link](https://x.com/MacNeillPatrick/status/1976983182043238869) 2025-10-11T12:08Z [---] followers, [--] engagements "@nachunja @jack @elonmusk He also tweeted that Signal needs BTC. how crazy would an X merger with Block be. X would be back as a public company in the combined entity" [X Link](https://x.com/MacNeillPatrick/status/1978947671239844313) 2025-10-16T22:14Z [---] followers, [---] engagements "@Veganhippo21 Square is the best seller tool for small business Cash App is the most popular banking app for millennials and younger Afterpay is their BNPL Developing an international transfer app this year Rapidly cutting costs with in house AI. etc" [X Link](https://x.com/MacNeillPatrick/status/1891869976883069031) 2025-02-18T15:18Z [---] followers, [---] engagements "@SantiagoAuFund Deutsche Post has a market cap of $50 billion Euros. Seems to work in Germany https://www.google.com/finance/quote/DHL:ETR https://www.google.com/finance/quote/DHL:ETR" [X Link](https://x.com/MacNeillPatrick/status/1902834259938676737) 2025-03-20T21:26Z [---] followers, [--] engagements "@BambroughKevin My portfolio hedge is holding $TLT and $ZROZ. Nobody wants to own long term treasuries it would appear but not too long ago the Fed was adding them to the Balance sheet" [X Link](https://x.com/MacNeillPatrick/status/1976997500780425659) 2025-10-11T13:05Z [---] followers, [---] engagements "@Veganhippo21 $UPST has a big run from now until December. A lot of fear is priced in. Whenever they provide clarity on funding the stock will take off" [X Link](https://x.com/MacNeillPatrick/status/1977854283430179238) 2025-10-13T21:49Z [---] followers, [---] engagements "$UPST - CAFCU is also purchasing portfolios of home equity lines of credit (HELOCs) from Upstarts affiliate Upstart Mortgage Funding for new products is making progress. Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans" [X Link](https://x.com/MacNeillPatrick/status/1978457158661361717) 2025-10-15T13:45Z [---] followers, 15.8K engagements "$UPST the CAFCU deal is the blueprint for how Upstart will deepen relationships with all existing credit union partners. Facilitating a full suite of loan products and utilizing deposit funding for secured lending" [X Link](https://x.com/MacNeillPatrick/status/1978458136634683542) 2025-10-15T13:49Z [---] followers, [----] engagements "$UPST has posted [--] straight Qs of positive Ebitda made it to GAAP profitable last Q expects 50% revenue growth in [----] rapidly scaled HELOC and Auto and yet here we are with the stock down over the past [--] months. I remain patiently long" [X Link](https://x.com/MacNeillPatrick/status/1978820126985048260) 2025-10-16T13:47Z [---] followers, [----] engagements "Capital relief aims to allow small banks to lend more. $UPST will help them add loans to their balance sheets and quickly. US regulators are poised to offer capital relief to community banks. US regulators are poised to offer capital relief to community banks" [X Link](https://x.com/MacNeillPatrick/status/1978834554405183943) 2025-10-16T14:44Z [---] followers, [----] engagements "$UPST the stock is cheap" [X Link](https://x.com/MacNeillPatrick/status/1980653266439651837) 2025-10-21T15:11Z [---] followers, [----] engagements "$UPST is included here in a long list of "meme" stocks. Most of the stocks on the list have declining revenues and very questionable prospects going forward. Upstart has a long way to go in communicating its story to the broader investment community. If $BYND & $OPEN are going 1000%+ in days I want to be aware of the "meme" list *just in case*. Some "meme" stocks on my radar: Retail and Consumer Nostalgia Plays: GameStop $GME AMC Entertainment $AMC Bed Bath & Beyond $BBBY Koss Corporation $KOSS Legacy Tech and https://t.co/M7LVwQrZmy If $BYND & $OPEN are going 1000%+ in days I want to be" [X Link](https://x.com/MacNeillPatrick/status/1981004831591707035) 2025-10-22T14:28Z [---] followers, [----] engagements "@xtaohq How many $TAO are on your Balance sheet" [X Link](https://x.com/MacNeillPatrick/status/1981696468391227804) 2025-10-24T12:17Z [---] followers, [--] engagements "$CLOV has huge upside with its potential to be a big winner in the application of AI to healthcare. $CLOV $HUM $UNH [--] Reasons to Be Bullish on Clover Health - For Those New Here @CloverHealth @counterparthlth 1.Counterpart Assistant SaaS Growth Clovers Counterpart Assistant is an AI-driven clinical decision platform gaining strong traction with major payers. Revenue from https://t.co/pJoQTNe6xb $CLOV $HUM $UNH [--] Reasons to Be Bullish on Clover Health - For Those New Here @CloverHealth @counterparthlth 1.Counterpart Assistant SaaS Growth Clovers Counterpart Assistant is an AI-driven clinical" [X Link](https://x.com/MacNeillPatrick/status/1981747823432364525) 2025-10-24T15:41Z [---] followers, [----] engagements "Researching $OPRA s stablecoin wallet Minipay - it has a fast growing global user base - very low fees for sending money. It is missing $BTC which Block could add. $XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera also has an international remittance business with over [--] million unique accounts. $XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera" [X Link](https://x.com/MacNeillPatrick/status/1981844166180233530) 2025-10-24T22:04Z [---] followers, [----] engagements "Block $XYZ needs to add stablecoins and compete internationally in payments. They are currently hiring for a Deal Lead for M&A and a Manager for Stablecoins. The question is build acquire or a combination of both Options for Block in the thread. Zelle the bank-owned money transfer app used by more than 100M U.S. customers for instant domestic payments says it plans to enable INTERNATIONAL transfers using stablecoins. The service will be available to any bank in the Zelle network https://t.co/IuLWmi5om7 Zelle the bank-owned money transfer app used by more than 100M U.S. customers for instant" [X Link](https://x.com/MacNeillPatrick/status/1982442607008501795) 2025-10-26T13:42Z [---] followers, [----] engagements "@Volatx_intern $XYZ breaks $120 in December" [X Link](https://x.com/MacNeillPatrick/status/1982565489063977369) 2025-10-26T21:50Z [---] followers, [---] engagements "@HenryInvests Pivotal Earnings coming up So many questions going into this report. If they have managed to shrink loans on balance sheet even a little then the stock has a lot of upside in the short term" [X Link](https://x.com/MacNeillPatrick/status/1982896614810497239) 2025-10-27T19:46Z [---] followers, [---] engagements "@Mr_Derivatives $XYZ will report sold earnings but what will really get the stock going is a big partnership with X/Grok. I think they have something big cooking" [X Link](https://x.com/MacNeillPatrick/status/1983268809680326771) 2025-10-28T20:25Z [---] followers, [---] engagements "@onetimeitsmine @Mr_Derivatives Both Jack and Elon would like to build their own phone and be able to run their businesses on open source software. Elon has planned to launch a bank/payments feature with X. To compete with OpenAI and big tech they will need to partner in some way" [X Link](https://x.com/MacNeillPatrick/status/1983443752598602032) 2025-10-29T08:00Z [---] followers, [--] engagements "Three months later $HGRAF -Successful capital raise -Move in process to Texas -US gov. increased urgency to secure domestic production of critical materials The next steps will greatly raise the probability of reaching a $10 Bn valuation and much quicker than I had anticipated Uncertainty with the upside of a 100+ Billion value company. The value one puts on this opportunity is all about probabilities. Here is a start - 10% probability of a $100 valuation in [--] years. Discounted to today to get $4 Billion a 16X return $HGRAF $HG Hydrograph Uncertainty with the upside of a 100+ Billion value" [X Link](https://x.com/MacNeillPatrick/status/1983564795635769812) 2025-10-29T16:01Z [---] followers, [----] engagements "$OPRA is an incredible business that is growing revenues at 30% and trading at less than a [--] PE. [---] Million MAU and an incredible AI product. At a [---] BN valuation this company is worth investing in" [X Link](https://x.com/MacNeillPatrick/status/1983566377102283137) 2025-10-29T16:07Z [---] followers, [---] engagements "@nachunja Focus on Sales staff might be working. $XYZ" [X Link](https://x.com/MacNeillPatrick/status/1983634106543124570) 2025-10-29T20:36Z [---] followers, [---] engagements "$UPST Criticism that management has not yet secured a funding deal for Auto and Home loans is fair. However the current share price ignores the growth of the personal business improved profitability and improvement in the underwriting models" [X Link](https://x.com/MacNeillPatrick/status/1986167197559869743) 2025-11-05T20:22Z [---] followers, [---] engagements "@oliviatrading_6 Very under followed stock. They are continuously outperforming their guidance. Now they have the capital to meet the [----] goals by [----]. Easily a $50 stock now and $100 within [--] months. $HIPO" [X Link](https://x.com/MacNeillPatrick/status/1986198310584017393) 2025-11-05T22:25Z [---] followers, [--] engagements "@nachunja The pace of buybacks does not make sense given the $8.3 Billion. Jack believes fiat is trash so why hoard so much of it Why not buy more $BTC What aren't analysts asking more Qs about it" [X Link](https://x.com/MacNeillPatrick/status/1986694576749339071) 2025-11-07T07:17Z [---] followers, [---] engagements "@surajpn93 @nachunja $1 billion in BTC $8.3 Billion in cash. Why do they need that level of cash when they have access to credit facilities and use other sources to fund loans" [X Link](https://x.com/MacNeillPatrick/status/1986875077309112481) 2025-11-07T19:15Z [---] followers, [--] engagements "@surajpn93 @nachunja Yea they have about $5 billion in debt that they raised because it was cheap. They could easily issue another $5 billion and use the proceeds to buy back stock" [X Link](https://x.com/MacNeillPatrick/status/1986880087531130976) 2025-11-07T19:35Z [---] followers, [--] engagements "@HenryInvests Page [--] of the 10Q shows the changes of Loans on Balance sheet between Q2 and Q3. Looks like they sold approximately $30 Million of Loans that were held for investment which would Auto/Heloc most likely" [X Link](https://x.com/MacNeillPatrick/status/1986898505017827679) 2025-11-07T20:48Z [---] followers, [---] engagements "$UPST Could it be possible that Upstart has offered an underwriting solution so that Fannie and Freddie can offer direct home loans to consumers This would be game changing. Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB" [X Link](https://x.com/MacNeillPatrick/status/1987543336291369188) 2025-11-09T15:30Z [---] followers, [----] engagements "$UPST the solution to getting more people access to home loans includes fast automated home loans. Upstart has the solution to end the slow and ineffective monopoly of big banks and $FICO Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB" [X Link](https://x.com/MacNeillPatrick/status/1987580871306535347) 2025-11-09T17:59Z [---] followers, [---] engagements "@BambroughKevin great podcast where the strategy of the US government is laid out. He mentions graphite as one of the key minerals that DOD is interested in but omits graphene. You may want to connect and explain the Hydrograph story. https://youtu.be/qab0S1W-t_Qsi=grpHXNoJXeYbHWa0 https://youtu.be/qab0S1W-t_Qsi=grpHXNoJXeYbHWa0" [X Link](https://x.com/MacNeillPatrick/status/1987602781952237631) 2025-11-09T19:26Z [---] followers, [---] engagements "$UPST If the FHFA approves Upstarts model and marketplace for the creation of government backed mortgages the next set of funding partners could be mortgage REITS like $AGNC which has over $90 Bn in agency backed mortgages. The opportunity is massive. Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology" [X Link](https://x.com/MacNeillPatrick/status/1987788589720117643) 2025-11-10T07:45Z [---] followers, [----] engagements "@bjmtweets Reminds me of $DOCU - When the market realizes that growth hit its limit it's a long process to revalue higher even though it continues to increase profitability" [X Link](https://x.com/MacNeillPatrick/status/1988672419364847915) 2025-11-12T18:17Z [---] followers, [---] engagements "$UPST will exceed all of its full year guidance as set during the first quarter earnings report. After the Q1 report the stock closed above $88. The stock will recover and we will not call it a comeback" [X Link](https://x.com/MacNeillPatrick/status/1988711019372228744) 2025-11-12T20:50Z [---] followers, [----] engagements "$UPST @DanielSLoeb1 Third Point once held [----] million shares of Upstart and the position was worth more than $4 billion which is more than the entire current value of the company Time to buy back in" [X Link](https://x.com/MacNeillPatrick/status/1988714763304759745) 2025-11-12T21:05Z [---] followers, [---] engagements "@Veganhippo21 $UPST [--] million extra shares sold short in the last few months. I think it could move quickly to the upside" [X Link](https://x.com/MacNeillPatrick/status/1988991129883406700) 2025-11-13T15:23Z [---] followers, [---] engagements "@moninvestor $UPST will benefit from incoming liquidity. Massive short interest could drive a fast rise in the stock price" [X Link](https://x.com/MacNeillPatrick/status/1990115112284266758) 2025-11-16T17:49Z [---] followers, [---] engagements "@archi_tradition Croatia" [X Link](https://x.com/MacNeillPatrick/status/1990145132989968579) 2025-11-16T19:49Z [---] followers, [--] engagements "$UPST Still holding. Every time I buy the dip the dip keeps dipping. anyone still holding the stock anyone still holding the stock" [X Link](https://x.com/MacNeillPatrick/status/1990833520952885260) 2025-11-18T17:24Z [---] followers, [----] engagements "$XYZ Expects to achieve $4.6 BN in Operating income by [----]. Equivalent to $UBER Last [--] months Op Income which has a [---] BN market cap. 5X upside for Block if they achieve their financial goals" [X Link](https://x.com/MacNeillPatrick/status/1991261672367886415) 2025-11-19T21:45Z [---] followers, [----] engagements "$XYZ The guidance Block set for [----] of $16 BN may look ambitions at first glance but it is not nearly high enough. American Express $AXP gross margin is roughly 4X that of Cash App. Block needs to aggressively go after Amex customers and dominate the high spend market share" [X Link](https://x.com/MacNeillPatrick/status/1991493844794503222) 2025-11-20T13:08Z [---] followers, [---] engagements "$UPST It will be easy to look back in the future and say that Paul's purchase was the clear sign that the stock was cheap and about to turn higher. Meanwhile we are still trading below his purchase price. Paul Gus $3.9M insider buy of $UPST will go down as one of the more memorable moments in the companys history. #GuLong Paul Gus $3.9M insider buy of $UPST will go down as one of the more memorable moments in the companys history. #GuLong" [X Link](https://x.com/MacNeillPatrick/status/1991525857886892198) 2025-11-20T15:15Z [---] followers, [----] engagements "$UPST Trustpilot reviews are setting new daily highs. A good sign that the company is confident in their funding pipeline. Patience will be rewarded. #UTPI https://t.co/LO8pEkIdHv #UTPI https://t.co/LO8pEkIdHv" [X Link](https://x.com/MacNeillPatrick/status/1991527663933223003) 2025-11-20T15:22Z [---] followers, [----] engagements "Expect @Rebellionaire to continue to add to this position. A hedge fund that makes highly concentrated bets with $375 Million in positions at end of Q3. $UPST https://www.nasdaq.com/market-activity/institutional-portfolio/halter-ferguson-financial-inc-1285948 You heard @bradsferguson right: @Rebellionaire has purchased over [------] shares of Upstart $UPST worth $8M in Q3 ✅💰 @davegirouard / @paulxgu / @sonya_banerjee - We are big believers in your mission to build the foundation model for credit. https://t.co/F6ZazCBBRx" [X Link](https://x.com/MacNeillPatrick/status/1993085864713367769) 2025-11-24T22:34Z [---] followers, [----] engagements "@torovictorioso $XYZ is the play for $MARA $BTC and the cross-section of AI and Fintech" [X Link](https://x.com/MacNeillPatrick/status/1993763504726372590) 2025-11-26T19:27Z [---] followers, [---] engagements "I am grateful that the CTO of my largest stock holding is so bullish that he invested $4 Million back into $UPST while expecting his 3rd child. That is all in Most people would be pulling money out to buy vacation properties. He has serious conviction. Officially a dad of three There are so many things Im grateful for in my [--] years so far but this is at the very top. Happy Thanksgiving Officially a dad of three There are so many things Im grateful for in my [--] years so far but this is at the very top. Happy Thanksgiving" [X Link](https://x.com/MacNeillPatrick/status/1994432591655485908) 2025-11-28T15:45Z [---] followers, [----] engagements "I dont know what is being discussed at the B Riley meeting but Im guessing its good. $UPST" [X Link](https://x.com/MacNeillPatrick/status/1996308465292026120) 2025-12-03T20:00Z [---] followers, [----] engagements "@Veganhippo21 A multi year forward flow of funding for Auto and Home loans would move this stock. a lot" [X Link](https://x.com/MacNeillPatrick/status/1996627790100345167) 2025-12-04T17:08Z [---] followers, [---] engagements "@nachunja The fat appears to be in G&A at a $2Bn run rate. Continue to spend on Sales and Product Dev but G&A yields no return and could easily be less than $1.5 BN next year. $XYZ" [X Link](https://x.com/MacNeillPatrick/status/1996694875429896220) 2025-12-04T21:35Z [---] followers, [---] engagements "$UPST [--] Trustpilot reviews yesterday. Nearing the end of the quarter it looks like revenue will easily exceed management guidance" [X Link](https://x.com/MacNeillPatrick/status/1998799991037636714) 2025-12-10T17:00Z [---] followers, [----] engagements "@ericjackson $UPST is next in [----]. Massive funding deal coming that will allow them to rapidly increase market share in Auto and Home loans will lead to a leap in profitability. GAAP profitability will attract a lot more funds to add" [X Link](https://x.com/MacNeillPatrick/status/1999471470494491096) 2025-12-12T13:28Z [---] followers, [---] engagements "@goddreng10 Cobalt is also purchasing portfolios of home equity lines of credit (HELOCs) from Upstarts affiliate Upstart Mortgage on an ongoing basis to further expand and diversify its consumer lending offerings. https://ir.upstart.com/news-releases/news-release-details/cobalt-credit-union-selects-upstart-personal-loans-helocs-and https://ir.upstart.com/news-releases/news-release-details/cobalt-credit-union-selects-upstart-personal-loans-helocs-and" [X Link](https://x.com/MacNeillPatrick/status/2000332988836708373) 2025-12-14T22:32Z [---] followers, [---] engagements "@goddreng10 Some of the newer deals with credit unions include HELOC and auto loans - In cobalts case they are also purchasing pools of HELOC loans on $UPST b/s which would be part of the amounts sold last Q" [X Link](https://x.com/MacNeillPatrick/status/2000333639503212595) 2025-12-14T22:34Z [---] followers, [---] engagements "@zoozai_invest The R&D loan exposure has always been disclosed. For instance go back to Q3 [----] and its on p. [--] of the presentation. $873 mil is too high. Management has said they are working on a deal to offload and reduce growth going forward. Why it hasn't closed is the question" [X Link](https://x.com/MacNeillPatrick/status/2001945426342351198) 2025-12-19T09:19Z [---] followers, [---] engagements "@zoozai_invest They want to quickly scale home and auto and that requires a lot of capital. they are likely negotiating with a new large partner and the hold up is likely the terms and the margin that will be left over. Upstart is used to large margin for selling personal loans" [X Link](https://x.com/MacNeillPatrick/status/2001946098731200564) 2025-12-19T09:21Z [---] followers, [---] engagements "@zoozai_invest P. [--] of Q3 [----] has a breakdown of the total loans on balance sheet and its components R&D Core Personal and Securitization. Total of $656 Mil which matches the BS number. They always report the breakdown of loans held on Balance sheet" [X Link](https://x.com/MacNeillPatrick/status/2002023043254698090) 2025-12-19T14:27Z [---] followers, [--] engagements "Big outperformance over the past month for $UPST despite no major funding announcement. Strong Q4 expected plus more improving macro conditions in [----] should keep this trend going" [X Link](https://x.com/MacNeillPatrick/status/2003585277936435534) 2025-12-23T21:55Z [---] followers, [----] engagements "@HenryInvests Yeah what I wish the company could do is provide monthly figures for loans on BS originations and sales of loans" [X Link](https://x.com/MacNeillPatrick/status/2004654434849357876) 2025-12-26T20:43Z [---] followers, [---] engagements "@nachunja @Square I see the biggest catalyst being the election cycle and the new Fed governor. Election cycle means the Treasury department will do whatever it takes to keep credit flowing - good for Borrow acceleration. Easy money Fed will boost all asset prices - good for the stock/multiple" [X Link](https://x.com/MacNeillPatrick/status/2009028865113412035) 2026-01-07T22:26Z [---] followers, [---] engagements "$UPST S.381 known as the [--] Percent Credit Card Interest Rate Cap Act a bipartisan Senate bill introduced on February [--] [----] - The cap only applied to CC companies. Meaning all other consumer lending could continue to lend at any rate" [X Link](https://x.com/MacNeillPatrick/status/2010825791324532904) 2026-01-12T21:26Z [---] followers, [----] engagements "The advantage that $COF has over Upstart is that they have cheap deposit funding and an effective funnel that allows them to maintain lucrative consumer receivables. The rate cap will kick out a big chunk of their customer base as it won't be profitable to extend their credit" [X Link](https://x.com/MacNeillPatrick/status/2010827286526754953) 2026-01-12T21:32Z [---] followers, [---] engagements "@jerrybaaa Upstart needs to show a big reduction in loans on Balance sheet first. At that point they would have capital to buyback a good amount of shares" [X Link](https://x.com/MacNeillPatrick/status/2011049422742806754) 2026-01-13T12:15Z [---] followers, [--] engagements "@HenryInvests I have been learning a language on Duolingo for the past [---] years. I have been in the top 5% for each year. Just had a lesson that taught how to say round the bill up to $50. Would have been useful in the first [--] weeks. Dont know anyone who has learned a language from it" [X Link](https://x.com/MacNeillPatrick/status/2011155746743075095) 2026-01-13T19:17Z [---] followers, [---] engagements "@HenryInvests German [--]. I do other methods of learning like YouTube courses. The problem is there is so much not useful vocabulary. Just learned how to say Elephants tusk. Its not designed to get people on their feet but rather drag out the beginner stages" [X Link](https://x.com/MacNeillPatrick/status/2011160157401887030) 2026-01-13T19:35Z [---] followers, [--] engagements "$RILY up 37% in after hours trading on updated Nasdaq compliance with the release of Q3 earnings. Signficant short interest and potential for big gains if capital markets remain strong this year. https://ir.brcgh.com/2026-01-14-BRC-Group-Holdings-Inc-Reports-Third-Quarter-2025-Financial-Results https://ir.brcgh.com/2026-01-14-BRC-Group-Holdings-Inc-Reports-Third-Quarter-2025-Financial-Results" [X Link](https://x.com/MacNeillPatrick/status/2011558462652891580) 2026-01-14T21:58Z [---] followers, [---] engagements "@nachunja @CashApp This is a massive opportunity. They have an incredible data set. Huge upside to [----] growth and beyond because of lending" [X Link](https://x.com/MacNeillPatrick/status/2013731999182143782) 2026-01-20T21:54Z [---] followers, [--] engagements "$ALLY Ally financial has over $100 Bn in auto loans on Balance sheet and a mkt cap of $12 Billion. $UPST has less than $400 mn on BS. If credit quality were deteriorating rapidly it would show up in highly leveraged lenders. $ALLY down about 3% in last month" [X Link](https://x.com/MacNeillPatrick/status/1973030912704344227) 2025-09-30T14:23Z [---] followers, [----] engagements "$XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera also has an international remittance business with over [--] million unique accounts" [X Link](https://x.com/MacNeillPatrick/status/1981387444680380783) 2025-10-23T15:49Z [---] followers, [----] engagements "@DonPalermo5 $RILY I could see them trying to sell a big chunk very soon with the March bonds coming due. To me the prefs look good. Accounting deficit could be gone by end of Q1. Motivation to restart pref dividends to avoid [--] more board seats added" [X Link](https://x.com/MacNeillPatrick/status/2016790490956333440) 2026-01-29T08:28Z [---] followers, [---] engagements "@Spergtastic1 They likely finished giving the auditors all of the information but could not get a guarantee of completion until at least mid March. So did not want fear and rumour to creep in during that period" [X Link](https://x.com/MacNeillPatrick/status/2017181500190359606) 2026-01-30T10:22Z [---] followers, [--] engagements "@waterpolojoe @RealJimChanos @IndraStocks @GothamResearch @HenryInvests Upstart collects platform fees but often has to mark down loans before they are sold. In really good times they make gains on the loans before they are sold. Its odd that $CVNA has the volume growth and is still generating these levels of gains" [X Link](https://x.com/MacNeillPatrick/status/2017308901792751725) 2026-01-30T18:48Z [---] followers, [---] engagements "@waterpolojoe @RealJimChanos @IndraStocks @GothamResearch @HenryInvests Its worth watching I dont know for sure. But it would mean Upstarts growth might be throttled by a competitor undercutting because they are able to sell them for a fake gain. That is the accusation that is at least being floated" [X Link](https://x.com/MacNeillPatrick/status/2017309435362783382) 2026-01-30T18:50Z [---] followers, [--] engagements "$UPST Pivotal time for the company. Upstart has a great product and underwriting model for Personal loans. Now the question is can they scale their technology to have an edge in all other credit products. The share price reflects a lot of uncertainty" [X Link](https://x.com/MacNeillPatrick/status/2016241452422967765) 2026-01-27T20:06Z [---] followers, [----] engagements "Trustpilot reviews are at [----] through [--] days a monthly record. Huge dislocation in fundamentals to the stock price. $UPST" [X Link](https://x.com/MacNeillPatrick/status/2017209606573883648) 2026-01-30T12:13Z [---] followers, [----] engagements "$UPST At today's valuation the market does not believe there will be any value ever accrued from new loan products. So the question is Upstart a market leader in a single product with solid earnings or a disruptor about to take on everything in credit" [X Link](https://x.com/MacNeillPatrick/status/2017265479459439097) 2026-01-30T15:55Z [---] followers, [----] engagements "@HenryInvests @Rebellionaire Excellent report - Your estimates and guidance look solid and encouraging. What I'm most curious is how will the market digest the outlook if there is no major new funding in place. Personal plus HELOC can still grow with existing funding. Auto growth would suffer $UPST" [X Link](https://x.com/MacNeillPatrick/status/2018803352717697460) 2026-02-03T21:46Z [---] followers, [---] engagements "@jevgenijs Would probably be difficult for a PE firm to raise the amount of capital necessary. My bet is that they merge with $COF given their ambitions and the recent fast approvals given to mergers" [X Link](https://x.com/MacNeillPatrick/status/2018979161357070766) 2026-02-04T09:25Z [---] followers, [---] engagements "@ImNicklovinIt @jevgenijs It would allow $COF to expand internationally and add products and services that would be hard for them to build on their own" [X Link](https://x.com/MacNeillPatrick/status/2019323838014849387) 2026-02-05T08:14Z [---] followers, [--] engagements "$UPST - $345 Mil in loans sold from R&D in Q4. $323 Mil in Auto + Home originated Funding partners starting Q1 goes up to [--] from [--] in Q4. Remaining R&D runs off via repayments. Growth in Home+Auto will continue 📈 and BS will continue to 📉" [X Link](https://x.com/MacNeillPatrick/status/2021875685778751506) 2026-02-12T09:15Z [---] followers, [----] engagements "What do you think happens to the stock when $UPST announces a loan sale agreement for auto loans $CVNA is up almost 100% from the time it announced a renewed agreement with Ally financial to sell $4Billion in loans. https://finance.yahoo.com/news/carvana-reinstates-loan-sale-agreement-135900367.html https://finance.yahoo.com/news/carvana-reinstates-loan-sale-agreement-135900367.html" [X Link](https://x.com/MacNeillPatrick/status/1956635541924938115) 2025-08-16T08:34Z [---] followers, [----] engagements "@RealJimChanos @IndraStocks @GothamResearch @HenryInvests this is worth following. If these gains on sale of loans are not real it really distorts the market. Upstart could gain more in market share in auto loans if it turns out $CVNA is a house of cards" [X Link](https://x.com/MacNeillPatrick/status/2017289420588581050) 2026-01-30T17:30Z [---] followers, [---] engagements "$UPST is way oversold heading into the weekend and earnings. $40 by end of trading day next Tuesday" [X Link](https://x.com/MacNeillPatrick/status/2019811686958629280) 2026-02-06T16:33Z [---] followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@MacNeillPatrick Pat MacNeill
Pat MacNeill posts on X about $upst, $xyz, balance sheet, money the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.
Engagements: [---] #
- [--] Week [------] +324%
- [--] Month [------] +183%
- [--] Months [-------] +11%
- [--] Year [-------] +6,609%
Mentions: [--] #
- [--] Months [--] +11%
- [--] Year [---] +853%
Followers: [---] #
- [--] Week [---] +1.60%
- [--] Month [---] +3.30%
- [--] Months [---] +27%
- [--] Year [---] +176%
CreatorRank: [---------] #
Social Influence
Social category influence finance stocks cryptocurrencies countries currencies celebrities automotive brands exchanges technology brands us election
Social topic influence $upst #17, $xyz #33, balance sheet, money, $hg, $hgraf, auto loans, home loans, ai, stocks
Top accounts mentioned or mentioned by @henryinvests @nachunja @veganhippo21 @santiagoaufund @torovictorioso @jevgenijs @upstart @bambroughkevin @zoozaiinvest @realjimchanos @indrastocks @gothamresearch @rudyhavenstein @jack @mrderivatives @surajpn93 @rebellionaire @paulxgu @goddreng10 @waterpolojoe
Top assets mentioned Upstart Holdings, Inc. (UPST) Block, Inc. (XYZ) Hamilton Insurance Group, Ltd. (HG) Fair Isaac, Corp. (FICO) Opendoor Technologies Inc Common Stock (OPEN) Bitcoin (BTC) Capital One Financial Corp. (COF) Carvana Co. (CVNA) Rally (RLY) BlackRock Inc (BLK) Goldman Sachs (GS) RAI Finance (SOFI) Robinhood Markets, Inc. (HOOD) Tesla, Inc. (TSLA) Fiserv, Inc. (FI) GoldPro Token (GPRO) Affirm Holdings, Inc. (AFRM) Etsy Inc (ETSY)
Top Social Posts
Top posts by engagements in the last [--] hours
"@nmukle @wormbaseddiet Yes I find it odd so many are calling for the end of the German economy. It still has a massive trade surplus and incredibly low dept to GDP compared to other major economies. I believe it will endure the best over the next [--] years. While other nations drown in debt"
X Link 2024-05-10T10:18Z [---] followers, [--] engagements
"@Cotto Buyout announcement coming I would not be surprised"
X Link 2024-07-09T22:01Z [---] followers, [--] engagements
"@RudyHavenstein WHITE HOUSE: BIDEN COMMITS TO GETTING BACK DOWN TO A [--] HANDICAP IF RE-ELECTED"
X Link 2024-07-09T22:20Z [---] followers, [--] engagements
"Im expecting the largest rally to occur in the beaten down and left behind stocks. Im long $GPRO as it will benefit massively from the coming liquidity. #bananazone"
X Link 2024-07-11T19:50Z [---] followers, [---] engagements
"@Remzztrades $UPST is still just beginning. Many more shorts still yet to cover"
X Link 2024-10-14T19:58Z [---] followers, [---] engagements
"$UPST share price holding above $52 is promising. I think the next big pump will happen when the USD starts to fall. Need a signal from the Fed and then it's 🚀🚀🚀"
X Link 2024-10-21T21:11Z [---] followers, [---] engagements
"@SantiagoAuFund It is a generational transfer. Once the Millennials occupy the majority of government there will be wealth taxes everywhere"
X Link 2024-10-23T06:45Z [---] followers, [---] engagements
"@HenryInvests It was good to hear your initial perspective. The sentiment in the stock will change dramatically as they continue to turn the corner on profitability and launch new products"
X Link 2024-10-30T23:14Z [---] followers, [--] engagements
"@haralabob [--] years of Kamala"
X Link 2024-11-08T18:03Z [---] followers, [---] engagements
"@HenryInvests Wow Does there model predict a random number plus or minus [--] percent of the current price The speed at which the fundamentals are changing for $UPST means that they will continue to be way behind"
X Link 2024-11-11T14:32Z [---] followers, [---] engagements
"@ThatChrisRyan They believe they are signalling a virtue by not contributing to Elons platform. They also hope they have followers that will leave the platform with them"
X Link 2024-11-14T22:36Z [---] followers, [--] engagements
"@HenryInvests $SQ is my largest position -Last four Qs profitable so eligible for SP500 inclusion -Revenue will accelerate as monetary conditions keep easing -Increased share buyback -Cap on headcount so slower compensation dilution"
X Link 2024-11-29T22:28Z [---] followers, [---] engagements
"@HenryInvests $OPEN is a smaller position that I just started buying. Declining interest rates will trigger a big rally in the stock"
X Link 2024-11-29T22:32Z [---] followers, [---] engagements
"@tyjjjjones I strongly believe that $SQ will be added soon. Call me cynical but I believe the recent upgrades and capital flows are due to info being leaked"
X Link 2024-12-02T19:14Z [---] followers, [---] engagements
"@RudyHavenstein Did he just call JPOW Vince McMahon. that may land him in some hot water"
X Link 2024-12-02T22:05Z [---] followers, [----] engagements
"@LogWeaver After following @SantiagoAuFund I have to say the answer is neither. The USD influence keeps growing every day and no BRICS currency will ever exist"
X Link 2025-01-02T22:41Z [---] followers, [--] engagements
"@Veganhippo21 They announced that they were short $SQ in [----]. They probably got blown-out of that position in December"
X Link 2025-01-15T22:01Z [---] followers, [---] engagements
"Buy order is in at $48. $UPST will get back momentum based on improving fundamentals once the market improves. These levels are a gift for those that still have some ability to add"
X Link 2025-03-10T13:39Z [---] followers, [----] engagements
"50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year"
X Link 2025-03-10T14:26Z [---] followers, [----] engagements
"$UPST is about to boom. Please be prepared"
X Link 2025-03-17T17:00Z [---] followers, [----] engagements
"@torovictorioso $XYZ also has an extra $6.2 billion in tangible book value. Lots of balance sheet room to buy back shares or make a big acquisition"
X Link 2025-03-18T15:00Z [---] followers, [---] engagements
"@jevgenijs The current perspective as a $XYZ shareholder is that they did not pay too much for Afterpay. They used their richly valued stock at the time to acquire a strategic asset. If they were attempting to acquire today it would cost $20B and could not afford it"
X Link 2025-03-18T20:34Z [---] followers, [---] engagements
"Almost [--] years ago $XYZ Block agreed to acquire Afterpay for $29 Billion. Block now has $8.5 Billion in tangible book value and implied EV of $25 Billion. Where is the accelerated buyback @jack @jimcramer @nachunja"
X Link 2025-04-01T20:04Z [---] followers, [----] engagements
"The threat of tariffs is over. Life will go on after tariffs and the $UPST will continue higher. 🚀🚀🚀"
X Link 2025-04-02T15:44Z [---] followers, [----] engagements
"@AmritaAhuja How is the share purchase program coming $XYZ Now would be a good time to accelerate the program. The stock is cheap"
X Link 2025-04-02T15:57Z [---] followers, [--] engagements
"Bought more $UPST 65% off the highs for the year. Had to sell other stocks so now I have exactly [--] stocks in my retirement account. Sometimes you have to do what appears crazy"
X Link 2025-04-09T20:09Z [---] followers, [----] engagements
"$UPST is up [--] percent in the last year. High volatility comes with extremely high returns. There is no break to the trend. Upstart will continue to be amongst the highest returning stocks a year from now"
X Link 2025-04-14T19:51Z [---] followers, [----] engagements
"$UPST should also benefit from the rising global money supply. Both for the liquidity of the fundamentals of their business. 🚀🚀🚀 This chart is looking better by the day https://t.co/elngfVhmAg This chart is looking better by the day https://t.co/elngfVhmAg"
X Link 2025-04-15T16:16Z [---] followers, [----] engagements
"$UPST now up 90% on a [--] year basis. USD has declined massively which increases global money supply and boosts risk assets. Upstart will be one of the fastest horses in this race. Stay tuned"
X Link 2025-04-22T14:42Z [---] followers, [----] engagements
"More lending follows the easing of financial conditions. $UPST will capture a lot of the growth. This is just the beginning. None of us are bullish enough. [--] Trustpilot Reviews yesterday thats good like really good 👍 $UPST [--] Trustpilot Reviews yesterday thats good like really good 👍 $UPST"
X Link 2025-04-23T11:25Z [---] followers, [----] engagements
"$UPST moved up over $30 per share in the [--] days leading and day after Q3 earnings. Dont underestimate how quickly the next move will be"
X Link 2025-04-23T19:36Z [---] followers, [----] engagements
"$UPST attempts to keep this stock down are failing hard. We have a wrecking ball to the short sellers"
X Link 2025-04-24T14:43Z [---] followers, [----] engagements
"@SantiagoAuFund Does Canada get closer economically to China Europe or the United States going forward"
X Link 2025-04-30T18:34Z [---] followers, [---] engagements
"$UPST 🥱There is a long way to go. New highs for the year are in play in the next [--] weeks"
X Link 2025-05-12T15:22Z [---] followers, [----] engagements
"@HenryInvests This is huge And I dont think these data points will be outliers in retrospect but rather the start of further acceleration in growth. The benefits of automation and increased confidence in their underwriting"
X Link 2025-06-07T22:24Z [---] followers, [--] engagements
"$UPST is winning. $FICO is on its way out of business. https://www.tipranks.com/news/the-fly/fico-approves-new-stock-repurchase-program-up-tp-1b-thefly https://www.tipranks.com/news/the-fly/fico-approves-new-stock-repurchase-program-up-tp-1b-thefly"
X Link 2025-06-20T04:38Z [---] followers, [---] engagements
"@HenryInvests Did someone say very large TAM. $UPST is about to lead a massive wave of Fintech investments"
X Link 2025-06-24T10:55Z [---] followers, [----] engagements
"The evolution of the company is happening fast. No longer just a provider of personal loans. Now new partners are using $UPST for Home and Auto. As the narrative changes investors will realize the upside is much greater and will reevaluated the stock. .@cobaltcu is the first credit union partnering with @upstart on personal home and auto lending. The future is now $UPST https://t.co/icCQHdz8CO https://t.co/ARNKRfuYNh .@cobaltcu is the first credit union partnering with @upstart on personal home and auto lending. The future is now $UPST https://t.co/icCQHdz8CO https://t.co/ARNKRfuYNh"
X Link 2025-06-25T21:52Z [---] followers, [----] engagements
"2020: "What do they do" 2021-2025: "They are a personal loan company" [----] and beyond: "They have revolutionized credit and have changed how all banks issue loans""
X Link 2025-06-25T21:58Z [---] followers, [---] engagements
"$UPST got to $400 a share when almost nobody including the people who owned and recommended the stock knew what the business was"
X Link 2025-06-25T22:04Z [---] followers, [---] engagements
"The fundamentals of $UPST are improving rapidly. The company announced a huge partnership and UTPI is forecasting a big revenue beat for Q2. What are some other catalysts that can keep the stock moving higher"
X Link 2025-06-26T11:39Z [---] followers, [----] engagements
"Near term factors could include: [--]. Continued broad stock market momentum - $UPST has a high beta [--]. Wall Street analysts raise estimates going into Q2 report [--]. A large institutional investor accumulates a big position [--]. FOMO"
X Link 2025-06-26T11:42Z [---] followers, [---] engagements
"There will be a new buyer of private credit loans and it will be a very big one. Blackrock to offer Private credit investments to its 401K offer. Which means a potentially massive partner for $UPST starting next year. What if you could grow your 401(k) by approximately 15% over [--] years Our latest paper explores how private markets can play a powerful role in improving retirement outcomesand how target date solutions can help make it happen. Read the full paper to learn more: https://t.co/v1zFRFEGkI What if you could grow your 401(k) by approximately 15% over [--] years Our latest paper"
X Link 2025-06-26T20:10Z [---] followers, [---] engagements
"@HenryInvests Great work The [--] day moving average is definitely an improvement. The trend is very clear and consistent. I am as bullish on $UPST as ever and look forward to the Q2 results"
X Link 2025-07-01T11:11Z [---] followers, [----] engagements
"This feels like a slow grind higher but up 34% from this purchase. Very soon $UPST will go parabolic. We are just getting started. 50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year. https://t.co/j5jXZm1TUh 50% retracement has been bought. M2 increase will restart the move higher. Fundamental improvements and Fed stimulus in H2 will take $UPST to new all highs next year. https://t.co/j5jXZm1TUh"
X Link 2025-07-01T14:54Z [---] followers, [----] engagements
"The reason I believe $UPST is about to go parabolic is because the fundamentals are already going parabolic. Seen from @HenryInvests UTPI reviews are up 3x from last year and continuing to accelerate higher. Q2 results will reset everyones expectations much higher 🚀🚀🚀 🚨 Upstart $UPST posted [----] Trustpilot reviews in Q2 representing 37.2% q/q growth #UTPI FINAL Q2 Update 7/1/25🚨 The 28d moving average for Upstart Trustpilot reviews currently sits at [-----] up 41.6% since the start of Q2 up 66.3% from January 1st and is currently sitting https://t.co/NA2l4DLtx3 🚨 Upstart $UPST posted 2422"
X Link 2025-07-01T15:59Z [---] followers, [----] engagements
"The $UPST share price is now exploding higher and yet it is quiet on here. I see this as bullish. More people will learn about Upstarts massive opportunity and want to become shareholders"
X Link 2025-07-02T18:26Z [---] followers, [----] engagements
"The CEO is enthusiastic and optimistic about the future of $UPST Great to see as a shareholder. $1T revenue opportunity for AI-enabled lending. If not @upstart then who $UPST $1T revenue opportunity for AI-enabled lending. If not @upstart then who $UPST"
X Link 2025-07-02T21:02Z [---] followers, [----] engagements
"@HenryInvests Wow Q2 hedge fund reports will be interesting. Things are starting to get really interesting"
X Link 2025-07-06T15:47Z [---] followers, [---] engagements
"Buying now is still buying the dip. $UPST"
X Link 2025-07-07T15:45Z [---] followers, [----] engagements
"@RajTheGreat100 $UPST has weathered the harshest storm which was a prolonged period of declining money supply. Now more resilient and ready to capture massive growth. Good times ahead"
X Link 2025-07-08T08:04Z [---] followers, [---] engagements
"$UPST As fast as the stock appears to be rising it is not even keeping pace with the increase in the Trustpilot index. The moving average has blown through [--] and may get to [--] by month end. Last year it was at 10"
X Link 2025-07-09T13:52Z [---] followers, [----] engagements
"This is how I feel when people question how the stock can keep going up without Fed rate cuts $UPST"
X Link 2025-07-10T15:32Z [---] followers, [----] engagements
"@HenryInvests Great news that the review counts continue to break records It appears $UPST is in an exponential growth phase. During this phase I weight the aggressive scenario probability much higher. Not expecting any major pullbacks in the stock. Cant wait for Q2 earnings"
X Link 2025-07-12T20:59Z [---] followers, [---] engagements
"@mprashanth09X It looks to me like an acknowledgment that Fintech is winning. Big banks cannot keep up and improve their product so they will continue to find more ways to charge rent on their monopoly status. This will motivate faster development of systems that do not rely on banks at all"
X Link 2025-07-13T09:37Z [---] followers, [---] engagements
""The story of my demise is greatly exaggerated" $UPST - JPMorgan Goldman Sachs cannot stop this train. There is a massive change in credit access happening. Customers want frictionless and fast access to credit and Upstart is the leader and will continue to be"
X Link 2025-07-14T19:16Z [---] followers, [----] engagements
"I had no money left just some margin room available. So I bought a [---] shares of $UPST then bought [--] different sets of Call options. Sold some for a profit and now ready to exercise and buy [---] more shares. Just in time for the next leg up Lets go"
X Link 2025-07-16T19:07Z [---] followers, [----] engagements
"$UPST the stock price is going higher but the market is still unaware of how quickly Upstarts growth has accelerated Q2 earnings will change everything. The speed at which this business scales revenue and profitability will no longer be secret. 🚀🚀"
X Link 2025-07-17T20:12Z [---] followers, [----] engagements
"UTPI continues on its upward trajectory. It is up approximately 100% from when Q3 was reported last year when the stock price hit $80. We are do for another 100% gain on $UPST from here. 🚨 The Upstart Trustpilot Index #UTPI has made new ALL-TIME HIGHS $UPST 🚨 https://t.co/0J7ork5GVU 🚨 The Upstart Trustpilot Index #UTPI has made new ALL-TIME HIGHS $UPST 🚨 https://t.co/0J7ork5GVU"
X Link 2025-07-21T19:29Z [---] followers, [----] engagements
"I woke up today and saw $UPST was down. I thought how can I be even more irresponsibly long than I already am $150 incoming"
X Link 2025-07-22T16:37Z [---] followers, [----] engagements
"I continue to add because I believe in the fundamentals and I believe the market will continue to wake up and understand the value of this business. We are riding an exponential growth curve. There will be no linear mean reversion. Capture the opportunity when it arises"
X Link 2025-07-23T17:51Z [---] followers, [----] engagements
"$UPST is just getting started. Upstart has the best credit solution for car dealers and it's still very early in its adoption. Two Ford [--] Nissan [--] Toyota and [--] Indy dealerships onboard w/ @upstart just this week. And not done yet Upstart Auto Finance is ripping 📈 Two Ford [--] Nissan [--] Toyota and [--] Indy dealerships onboard w/ @upstart just this week. And not done yet Upstart Auto Finance is ripping 📈"
X Link 2025-07-24T21:09Z [---] followers, [----] engagements
"@PepperPoundTown That sounds risky. Growth improved in April and likely accelerate throughout the quarter"
X Link 2025-07-25T16:38Z [---] followers, [---] engagements
"$UPST Auto and Home loans are still in their infancy for Upstart but combined grew over 500% year over year in Q1. Currently a small fraction compared to Personal loan originations but has the potential to be much greater in a few years"
X Link 2025-07-25T18:20Z [---] followers, [----] engagements
"$SOFI announced a big stock sale which has hit their stock price. Anyone have expectation of an $UPST capital raise this year I dont believe they will need to raise any capital. Upstart will generate a lot of free cash flow going forward and credit markets continue to be strong"
X Link 2025-07-30T07:58Z [---] followers, [----] engagements
"$UPST has the best growth story in all of Fintech. Until Upstart trades at the valuations of the top names like $HOOD I will continue to buy OTM Calls and hold until expiry. Thank you for your attention on this matter"
X Link 2025-07-31T16:01Z [---] followers, [----] engagements
"Tomorrow $UPST could post 100% Y/Y revenue growth. The market will not be able to ignore that level of growth. Expect more coverage on CNBC and other financial media. This stock is currently overlooked but that is about to change"
X Link 2025-08-04T18:40Z [---] followers, [----] engagements
"@TheSqeakyMouse The potential of this company is so huge. Buyers seem to be in a rush to get in ahead of the company announcing a big contract. Valuation could easily be above a Billion after Nasdaq listing"
X Link 2025-08-04T20:21Z [---] followers, 10.5K engagements
"The difficulty in valuing Hydrograph $HG $HGRAF [---] companies are testing their Graphene when do these turn into commercial contracts -Gross margins potentially software like(80%) -Customers will need massive scale (think $TSLA) -Its a traded on a small exchange"
X Link 2025-08-05T04:39Z [---] followers, [----] engagements
"Uncertainty with the upside of a 100+ Billion value company. The value one puts on this opportunity is all about probabilities. Here is a start - 10% probability of a $100 valuation in [--] years. Discounted to today to get $4 Billion a 16X return $HGRAF $HG Hydrograph"
X Link 2025-08-05T04:50Z [---] followers, [---] engagements
"$UPST massive earnings beat - Final Answer"
X Link 2025-08-05T17:42Z [---] followers, [----] engagements
"@HenryInvests UTPI is very accurate I had a great read on this Q because of it. Now if only the market agreed with my optimism on what the results mean"
X Link 2025-08-05T20:34Z [---] followers, [---] engagements
"$UPST so the market reaction is concerns over balance sheet growth. The loans on Upstarts book are higher because Auto/Home are growing faster then they thought imaginable. Management will finalize a transaction to sell these loans before year end"
X Link 2025-08-05T20:48Z [---] followers, [----] engagements
"$UPST would love to hear from someone who has been a holder of Upstart but will be selling because of these results. Is anybody out there"
X Link 2025-08-05T21:33Z [---] followers, [----] engagements
"$UPST Home and Auto loans underwritten by Upstart are a new asset for private credit pools of capital. It takes time to develop the relationship and get the correct pricing for these investors. Once established there will be huge appetite for them"
X Link 2025-08-05T21:45Z [---] followers, [----] engagements
"$UPST grew Auto plus Home originations 600% y/y this Quarter to an annual run rate of $728 Million per year. Total origination market for Home and Auto is +2Trillion. If $UPST gets to 1% market share they grow another 2650%"
X Link 2025-08-06T09:51Z [---] followers, [----] engagements
"$UPST The massive success that is Auto and Home loan growth is a scary situation for short sellers. We are one big funding announcement away from having to massively increase growth estimates. Once in place Auto/Home loans will become a huge profit contributor"
X Link 2025-08-06T12:55Z [---] followers, [----] engagements
"$UPST Sitting here waiting for the short sellers to finish their attack"
X Link 2025-08-06T21:00Z [---] followers, [----] engagements
"$UPST Back to our regularly scheduled bull market"
X Link 2025-08-07T14:20Z [---] followers, [----] engagements
"@nachunja It is also good to see share count finally going down. To go with the inclusion in the SP500 there is a huge tailwind now"
X Link 2025-08-07T20:31Z [---] followers, [---] engagements
"@jevgenijs It is an interesting comp because merchant solutions is about half of $FI revenue similar to Block. also I believe that Cash App can keep growing faster than $FI Financial solutions"
X Link 2025-08-08T11:25Z [---] followers, [--] engagements
"@Simonkhalaf @JSchwarz9 The key is the ability to add margin without CAC. Every Cash App user will know they have access to a personal loan just by opening the App. Also the history of the users creates great underwriting intelligence"
X Link 2025-08-09T01:18Z [---] followers, [---] engagements
"This is how I am thinking about Hydrograph - it doesnt matter that it was much cheaper just a few months ago. The shares trade now at an incredibly cheap price when thinking about it as a discount on the future. $HG $HGRAF Peter Thiel on the importance of pitching your startup as a discount to the future Most founders will pitch their startup valuation as a sort of premium on the last round (e.g. Our valuation last year was X weve made Y progress and now we deserve a valuation 2x greater.) https://t.co/WZ0fSHxWhH Peter Thiel on the importance of pitching your startup as a discount to the"
X Link 2025-08-09T17:55Z [---] followers, [----] engagements
"@torovictorioso Check out the enterprise value of $FICO compared to $XYZ. oh boy the market is not efficient $FICO with $1.6 billion TTM GP and EV of $34 Billion"
X Link 2025-08-09T20:20Z [---] followers, [---] engagements
"@ChrisWillx This is called demographics. Money and visceral fat compound with time"
X Link 2025-08-09T21:37Z [---] followers, [--] engagements
"The big time Silicon Valley VCs are ignoring the massive opportunity to buy shares in Hydrograph. Even though the company has the characteristics of a company that they would fire $10-$100 mil checks at in the blink of an eye. $HG $HGRAF"
X Link 2025-08-09T22:26Z [---] followers, [----] engagements
"@HenryInvests Re: Home/Auto funding - this was a very important pull by you "roughly between now and the end of the year.". I interpret this to mean they are in late stage negotiations. I estimate this Q home/auto could do $250 mil which means they will want to finalize a deal this Q"
X Link 2025-08-09T22:36Z [---] followers, [---] engagements
"@HenryInvests They would not want to bring cash down to $100 million and then continue to need to fund in Q4. They also don't want to sell equity at these prices. So deal has to be done very soon I believe"
X Link 2025-08-09T22:37Z [---] followers, [---] engagements
"@BambroughKevin @NolichuckeyJack A big chain of events that build - Redomicile - commitment to US production - US grant funding and customer deposits - Nasdaq listing - ramp up in production - International expansion. .and on and on"
X Link 2025-08-10T12:30Z [---] followers, [--] engagements
"Always good to pull up the [--] year chart for reference. $UPST took a hit but the narrative and trend is still intact. The market will need an announced funding deal for auto/home loans before we break the highs for the year. I am confident management is working on it"
X Link 2025-08-12T20:31Z [---] followers, [----] engagements
"Hydrograph $HG $HGRAF became my largest holding this week. Rewatching interviews with the CEO and Dr Sorensen this weekend. Also studying the chemistry and graphene market in more depth. To remain fully invested for the long term I must have a greater understanding"
X Link 2025-08-16T10:33Z [---] followers, 10.2K engagements
"@amotts34 $UPST - grew last Q at 102%. Stock fell from balance sheet fears that they will not find a buyer for auto loans. They will become a huge player in all loan categories"
X Link 2025-08-16T16:02Z [---] followers, [---] engagements
"A direct competitor to $UPST in auto lending is Lendbuzz. They have been successfully selling securitized loans through investment banks for the past few years. https://www.citybiz.co/article/713873/lendbuzz-completes-266-million-asset-backed-securitization/ https://www.citybiz.co/article/713873/lendbuzz-completes-266-million-asset-backed-securitization/"
X Link 2025-08-16T20:49Z [---] followers, [----] engagements
"@MMMTwealth $UPST waiting for an announcement on long term funding for the auto loan business. That will be the catalyst to get back to the highs for the year"
X Link 2025-08-18T20:38Z [---] followers, [---] engagements
"$HGRAF $HG I bought the dip this afternoon. I believe the risk is worth the reward. I can wait out these short sellers while the company delivers on its milestones and gets closer to scaled production. Good news from today is that there is no imminent financing. Good luck to all"
X Link 2025-08-19T19:58Z [---] followers, [----] engagements
"@Veganhippo21 Hopefully JPM is helping to sell Upstarts auto loan book. That would help a lot"
X Link 2025-08-20T12:07Z [---] followers, [---] engagements
"$HG $HGRAF The uncertainty that has been highlighted is not something that holders of the stock are afraid of. Holders are in for the ability to get in early to something that can be huge. Volatility and uncertainty is part of the cost of massive potential"
X Link 2025-08-21T15:10Z [---] followers, [----] engagements
"$GPRO a lot of speculation surrounding the stocks 30% rise today. Could it be a potential bid to take the company private Or just another retail pump like $OPEN"
X Link 2025-08-25T19:03Z [---] followers, [---] engagements
"@MarketMatrixs Add to that an increased share buyback reported last quarter and improving narrative from the launch of their Proto hardware. The current rally should end up being the biggest since [----]. $XYZ"
X Link 2025-08-29T09:21Z [---] followers, [---] engagements
"In the last [--] Months Block $XYZ has added $1.1 Billion in Gross Margin and increased its enterprise value by $5 Billion Affirm $AFRM has added $0.5 BN in Gross margin and has increased its enterprise value by $14 Billion"
X Link 2025-08-30T20:35Z [---] followers, [----] engagements
"@Veganhippo21 It does appear they are having trouble selling home and auto loans Its hard to explain why they have not sold the auto loans on the book otherwise"
X Link 2025-09-10T14:06Z [---] followers, [---] engagements
"$UPST Market cap - $6.5 Billion Last [--] months Gross Margin - $718 Million $OPEN Market cap - $7.0 Billion Last [--] months Gross Margin - $417 Million Both companies are still in their early stages of growth and will benefit from lower interest rates"
X Link 2025-09-15T20:30Z [---] followers, [----] engagements
"$UPST Still has asymmetric upside - credit market fears have created a situation where investors have priced in a continued slowing of growth into next year. A dovish Fed will bring back massive growth expectations and will create a huge run in the share price"
X Link 2025-09-16T18:34Z [---] followers, [----] engagements
"$UPST making decisions based on the timing of rate cuts and the word choice of the Fed is a fools game. Own assets that will benefit from technological development and the long term trend of monetary debasement. Upstart checks both boxes"
X Link 2025-09-17T19:16Z [---] followers, [----] engagements
"$XYZ current share price - $75.39 $ETSY current share price -$74.34 Block: [--] year return - (55.55%) Gross margin % Increase from year end [----] to [----] - 102% Etsy: [--] year return - (43.52%) Gross margin % Increase from year end [----] to [----] - 21%"
X Link 2025-09-30T13:30Z [---] followers, [----] engagements
"The next big leg up for the price of $BTC will lead to massive outperformance for $XYZ Block will lead the conversation for public companies with $BTC exposure Proto mining Square seller adoption Block one of the largest $BTC reserves"
X Link 2025-09-30T13:38Z [---] followers, [----] engagements
"@HenryInvests Poor loan performance does matter because it would cause loan buyers to not want to buy future issuance. However I don't believe those details are currently what is driving the sentiment. I believe it is an overall fear that the current health of the consumer is weak"
X Link 2025-09-30T14:35Z [---] followers, [---] engagements
"$UPST up 5.4% pre-market after analyst correction. Unbelievable. Total lack of professional standards"
X Link 2025-10-01T12:04Z [---] followers, [----] engagements
"$UPST is poised to bounce back. -Trustpilot reviews finished the Q strong -BTIG report and narrative completely discredited -Future funding announcements will create optimism that next years growth will be strong with [--] new products getting to scale"
X Link 2025-10-01T18:43Z [---] followers, [----] engagements
"If $XYZ management believes that the stock is very undervalued they should complete their share buyback program and announce a new and larger one interesting tweet interesting tweet"
X Link 2025-10-02T14:25Z [---] followers, [----] engagements
"$UPST Last October Upstart announced a $2 Bn funding deal with Blue Owl then announced a big Q3 beat which created a massive run in the stock. The upcoming funding deal will be large and restart momentum and optimism. Just some patience is needed"
X Link 2025-10-02T15:57Z [---] followers, [----] engagements
"@HenryInvests $UPST has so many competitors that it's hard to analyze them all. They are developing the everything store for credit so compete with traditional lenders. Their AI underwriting will turn $FICO into Blockbuster. Auto dealership software competes with Lendbuzz and others"
X Link 2025-10-02T20:03Z [---] followers, [---] engagements
"@HenryInvests $UPST beats big banks with far superior product and speed to access money. Beats $FICO with AI. Beats Lendbuzz with funding diversification for auto loans"
X Link 2025-10-02T20:05Z [---] followers, [---] engagements
"$XYZ Im willing to call it. Block share price passes through [--] and it breaks out and never goes below"
X Link 2025-10-03T16:30Z [---] followers, [----] engagements
"$UPST I counted [--] Trustpilot reviews early this morning in the prior [--] hour period. Upstart appears to be proving personal loans at its highest rate ever. As a long term holder this is an important signal. The business continues to grow"
X Link 2025-10-07T07:08Z [---] followers, [----] engagements
"$XYZ The stock is about to really get moving. Despite having held for many years while the stock lagged behind I have recently bought more. Insurance against my future self wishing that I had bought more after the share price goes up another 50%"
X Link 2025-10-08T16:05Z [---] followers, [----] engagements
"@torovictorioso $XYZ is a $50 Billion stock. The price is the price. and it's cheap"
X Link 2025-10-08T16:23Z [---] followers, [---] engagements
"Proto Rigs are available on back order and out of stock on other websites. Could add a material amount of Gross Profit in Q4 depending on how fast they are being manufactured https://apextomining.com/product/proto-rig-bitcoin-miner/srsltid=AfmBOoqPFdua4GmP9weNsVZ3nKXvodVbdEAo3BHmRqjfpUBqYt_iQylr https://apextomining.com/product/proto-rig-bitcoin-miner/srsltid=AfmBOoqPFdua4GmP9weNsVZ3nKXvodVbdEAo3BHmRqjfpUBqYt_iQylr"
X Link 2025-10-11T12:08Z [---] followers, [--] engagements
"@nachunja @jack @elonmusk He also tweeted that Signal needs BTC. how crazy would an X merger with Block be. X would be back as a public company in the combined entity"
X Link 2025-10-16T22:14Z [---] followers, [---] engagements
"@Veganhippo21 Square is the best seller tool for small business Cash App is the most popular banking app for millennials and younger Afterpay is their BNPL Developing an international transfer app this year Rapidly cutting costs with in house AI. etc"
X Link 2025-02-18T15:18Z [---] followers, [---] engagements
"@SantiagoAuFund Deutsche Post has a market cap of $50 billion Euros. Seems to work in Germany https://www.google.com/finance/quote/DHL:ETR https://www.google.com/finance/quote/DHL:ETR"
X Link 2025-03-20T21:26Z [---] followers, [--] engagements
"@BambroughKevin My portfolio hedge is holding $TLT and $ZROZ. Nobody wants to own long term treasuries it would appear but not too long ago the Fed was adding them to the Balance sheet"
X Link 2025-10-11T13:05Z [---] followers, [---] engagements
"@Veganhippo21 $UPST has a big run from now until December. A lot of fear is priced in. Whenever they provide clarity on funding the stock will take off"
X Link 2025-10-13T21:49Z [---] followers, [---] engagements
"$UPST - CAFCU is also purchasing portfolios of home equity lines of credit (HELOCs) from Upstarts affiliate Upstart Mortgage Funding for new products is making progress. Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans"
X Link 2025-10-15T13:45Z [---] followers, 15.8K engagements
"$UPST the CAFCU deal is the blueprint for how Upstart will deepen relationships with all existing credit union partners. Facilitating a full suite of loan products and utilizing deposit funding for secured lending"
X Link 2025-10-15T13:49Z [---] followers, [----] engagements
"$UPST has posted [--] straight Qs of positive Ebitda made it to GAAP profitable last Q expects 50% revenue growth in [----] rapidly scaled HELOC and Auto and yet here we are with the stock down over the past [--] months. I remain patiently long"
X Link 2025-10-16T13:47Z [---] followers, [----] engagements
"Capital relief aims to allow small banks to lend more. $UPST will help them add loans to their balance sheets and quickly. US regulators are poised to offer capital relief to community banks. US regulators are poised to offer capital relief to community banks"
X Link 2025-10-16T14:44Z [---] followers, [----] engagements
"$UPST the stock is cheap"
X Link 2025-10-21T15:11Z [---] followers, [----] engagements
"$UPST is included here in a long list of "meme" stocks. Most of the stocks on the list have declining revenues and very questionable prospects going forward. Upstart has a long way to go in communicating its story to the broader investment community. If $BYND & $OPEN are going 1000%+ in days I want to be aware of the "meme" list just in case. Some "meme" stocks on my radar: Retail and Consumer Nostalgia Plays: GameStop $GME AMC Entertainment $AMC Bed Bath & Beyond $BBBY Koss Corporation $KOSS Legacy Tech and https://t.co/M7LVwQrZmy If $BYND & $OPEN are going 1000%+ in days I want to be"
X Link 2025-10-22T14:28Z [---] followers, [----] engagements
"@xtaohq How many $TAO are on your Balance sheet"
X Link 2025-10-24T12:17Z [---] followers, [--] engagements
"$CLOV has huge upside with its potential to be a big winner in the application of AI to healthcare. $CLOV $HUM $UNH [--] Reasons to Be Bullish on Clover Health - For Those New Here @CloverHealth @counterparthlth 1.Counterpart Assistant SaaS Growth Clovers Counterpart Assistant is an AI-driven clinical decision platform gaining strong traction with major payers. Revenue from https://t.co/pJoQTNe6xb $CLOV $HUM $UNH [--] Reasons to Be Bullish on Clover Health - For Those New Here @CloverHealth @counterparthlth 1.Counterpart Assistant SaaS Growth Clovers Counterpart Assistant is an AI-driven clinical"
X Link 2025-10-24T15:41Z [---] followers, [----] engagements
"Researching $OPRA s stablecoin wallet Minipay - it has a fast growing global user base - very low fees for sending money. It is missing $BTC which Block could add. $XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera also has an international remittance business with over [--] million unique accounts. $XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera"
X Link 2025-10-24T22:04Z [---] followers, [----] engagements
"Block $XYZ needs to add stablecoins and compete internationally in payments. They are currently hiring for a Deal Lead for M&A and a Manager for Stablecoins. The question is build acquire or a combination of both Options for Block in the thread. Zelle the bank-owned money transfer app used by more than 100M U.S. customers for instant domestic payments says it plans to enable INTERNATIONAL transfers using stablecoins. The service will be available to any bank in the Zelle network https://t.co/IuLWmi5om7 Zelle the bank-owned money transfer app used by more than 100M U.S. customers for instant"
X Link 2025-10-26T13:42Z [---] followers, [----] engagements
"@Volatx_intern $XYZ breaks $120 in December"
X Link 2025-10-26T21:50Z [---] followers, [---] engagements
"@HenryInvests Pivotal Earnings coming up So many questions going into this report. If they have managed to shrink loans on balance sheet even a little then the stock has a lot of upside in the short term"
X Link 2025-10-27T19:46Z [---] followers, [---] engagements
"@Mr_Derivatives $XYZ will report sold earnings but what will really get the stock going is a big partnership with X/Grok. I think they have something big cooking"
X Link 2025-10-28T20:25Z [---] followers, [---] engagements
"@onetimeitsmine @Mr_Derivatives Both Jack and Elon would like to build their own phone and be able to run their businesses on open source software. Elon has planned to launch a bank/payments feature with X. To compete with OpenAI and big tech they will need to partner in some way"
X Link 2025-10-29T08:00Z [---] followers, [--] engagements
"Three months later $HGRAF -Successful capital raise -Move in process to Texas -US gov. increased urgency to secure domestic production of critical materials The next steps will greatly raise the probability of reaching a $10 Bn valuation and much quicker than I had anticipated Uncertainty with the upside of a 100+ Billion value company. The value one puts on this opportunity is all about probabilities. Here is a start - 10% probability of a $100 valuation in [--] years. Discounted to today to get $4 Billion a 16X return $HGRAF $HG Hydrograph Uncertainty with the upside of a 100+ Billion value"
X Link 2025-10-29T16:01Z [---] followers, [----] engagements
"$OPRA is an incredible business that is growing revenues at 30% and trading at less than a [--] PE. [---] Million MAU and an incredible AI product. At a [---] BN valuation this company is worth investing in"
X Link 2025-10-29T16:07Z [---] followers, [---] engagements
"@nachunja Focus on Sales staff might be working. $XYZ"
X Link 2025-10-29T20:36Z [---] followers, [---] engagements
"$UPST Criticism that management has not yet secured a funding deal for Auto and Home loans is fair. However the current share price ignores the growth of the personal business improved profitability and improvement in the underwriting models"
X Link 2025-11-05T20:22Z [---] followers, [---] engagements
"@oliviatrading_6 Very under followed stock. They are continuously outperforming their guidance. Now they have the capital to meet the [----] goals by [----]. Easily a $50 stock now and $100 within [--] months. $HIPO"
X Link 2025-11-05T22:25Z [---] followers, [--] engagements
"@nachunja The pace of buybacks does not make sense given the $8.3 Billion. Jack believes fiat is trash so why hoard so much of it Why not buy more $BTC What aren't analysts asking more Qs about it"
X Link 2025-11-07T07:17Z [---] followers, [---] engagements
"@surajpn93 @nachunja $1 billion in BTC $8.3 Billion in cash. Why do they need that level of cash when they have access to credit facilities and use other sources to fund loans"
X Link 2025-11-07T19:15Z [---] followers, [--] engagements
"@surajpn93 @nachunja Yea they have about $5 billion in debt that they raised because it was cheap. They could easily issue another $5 billion and use the proceeds to buy back stock"
X Link 2025-11-07T19:35Z [---] followers, [--] engagements
"@HenryInvests Page [--] of the 10Q shows the changes of Loans on Balance sheet between Q2 and Q3. Looks like they sold approximately $30 Million of Loans that were held for investment which would Auto/Heloc most likely"
X Link 2025-11-07T20:48Z [---] followers, [---] engagements
"$UPST Could it be possible that Upstart has offered an underwriting solution so that Fannie and Freddie can offer direct home loans to consumers This would be game changing. Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB"
X Link 2025-11-09T15:30Z [---] followers, [----] engagements
"$UPST the solution to getting more people access to home loans includes fast automated home loans. Upstart has the solution to end the slow and ineffective monopoly of big banks and $FICO Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB"
X Link 2025-11-09T17:59Z [---] followers, [---] engagements
"@BambroughKevin great podcast where the strategy of the US government is laid out. He mentions graphite as one of the key minerals that DOD is interested in but omits graphene. You may want to connect and explain the Hydrograph story. https://youtu.be/qab0S1W-t_Qsi=grpHXNoJXeYbHWa0 https://youtu.be/qab0S1W-t_Qsi=grpHXNoJXeYbHWa0"
X Link 2025-11-09T19:26Z [---] followers, [---] engagements
"$UPST If the FHFA approves Upstarts model and marketplace for the creation of government backed mortgages the next set of funding partners could be mortgage REITS like $AGNC which has over $90 Bn in agency backed mortgages. The opportunity is massive. Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology companies. https://t.co/tEYzVSwSjB Bill Pulte the director of the Federal Housing Finance Agency said that Fannie Mae and Freddie Mac are looking at ways to take equity stakes in technology"
X Link 2025-11-10T07:45Z [---] followers, [----] engagements
"@bjmtweets Reminds me of $DOCU - When the market realizes that growth hit its limit it's a long process to revalue higher even though it continues to increase profitability"
X Link 2025-11-12T18:17Z [---] followers, [---] engagements
"$UPST will exceed all of its full year guidance as set during the first quarter earnings report. After the Q1 report the stock closed above $88. The stock will recover and we will not call it a comeback"
X Link 2025-11-12T20:50Z [---] followers, [----] engagements
"$UPST @DanielSLoeb1 Third Point once held [----] million shares of Upstart and the position was worth more than $4 billion which is more than the entire current value of the company Time to buy back in"
X Link 2025-11-12T21:05Z [---] followers, [---] engagements
"@Veganhippo21 $UPST [--] million extra shares sold short in the last few months. I think it could move quickly to the upside"
X Link 2025-11-13T15:23Z [---] followers, [---] engagements
"@moninvestor $UPST will benefit from incoming liquidity. Massive short interest could drive a fast rise in the stock price"
X Link 2025-11-16T17:49Z [---] followers, [---] engagements
"@archi_tradition Croatia"
X Link 2025-11-16T19:49Z [---] followers, [--] engagements
"$UPST Still holding. Every time I buy the dip the dip keeps dipping. anyone still holding the stock anyone still holding the stock"
X Link 2025-11-18T17:24Z [---] followers, [----] engagements
"$XYZ Expects to achieve $4.6 BN in Operating income by [----]. Equivalent to $UBER Last [--] months Op Income which has a [---] BN market cap. 5X upside for Block if they achieve their financial goals"
X Link 2025-11-19T21:45Z [---] followers, [----] engagements
"$XYZ The guidance Block set for [----] of $16 BN may look ambitions at first glance but it is not nearly high enough. American Express $AXP gross margin is roughly 4X that of Cash App. Block needs to aggressively go after Amex customers and dominate the high spend market share"
X Link 2025-11-20T13:08Z [---] followers, [---] engagements
"$UPST It will be easy to look back in the future and say that Paul's purchase was the clear sign that the stock was cheap and about to turn higher. Meanwhile we are still trading below his purchase price. Paul Gus $3.9M insider buy of $UPST will go down as one of the more memorable moments in the companys history. #GuLong Paul Gus $3.9M insider buy of $UPST will go down as one of the more memorable moments in the companys history. #GuLong"
X Link 2025-11-20T15:15Z [---] followers, [----] engagements
"$UPST Trustpilot reviews are setting new daily highs. A good sign that the company is confident in their funding pipeline. Patience will be rewarded. #UTPI https://t.co/LO8pEkIdHv #UTPI https://t.co/LO8pEkIdHv"
X Link 2025-11-20T15:22Z [---] followers, [----] engagements
"Expect @Rebellionaire to continue to add to this position. A hedge fund that makes highly concentrated bets with $375 Million in positions at end of Q3. $UPST https://www.nasdaq.com/market-activity/institutional-portfolio/halter-ferguson-financial-inc-1285948 You heard @bradsferguson right: @Rebellionaire has purchased over [------] shares of Upstart $UPST worth $8M in Q3 ✅💰 @davegirouard / @paulxgu / @sonya_banerjee - We are big believers in your mission to build the foundation model for credit. https://t.co/F6ZazCBBRx"
X Link 2025-11-24T22:34Z [---] followers, [----] engagements
"@torovictorioso $XYZ is the play for $MARA $BTC and the cross-section of AI and Fintech"
X Link 2025-11-26T19:27Z [---] followers, [---] engagements
"I am grateful that the CTO of my largest stock holding is so bullish that he invested $4 Million back into $UPST while expecting his 3rd child. That is all in Most people would be pulling money out to buy vacation properties. He has serious conviction. Officially a dad of three There are so many things Im grateful for in my [--] years so far but this is at the very top. Happy Thanksgiving Officially a dad of three There are so many things Im grateful for in my [--] years so far but this is at the very top. Happy Thanksgiving"
X Link 2025-11-28T15:45Z [---] followers, [----] engagements
"I dont know what is being discussed at the B Riley meeting but Im guessing its good. $UPST"
X Link 2025-12-03T20:00Z [---] followers, [----] engagements
"@Veganhippo21 A multi year forward flow of funding for Auto and Home loans would move this stock. a lot"
X Link 2025-12-04T17:08Z [---] followers, [---] engagements
"@nachunja The fat appears to be in G&A at a $2Bn run rate. Continue to spend on Sales and Product Dev but G&A yields no return and could easily be less than $1.5 BN next year. $XYZ"
X Link 2025-12-04T21:35Z [---] followers, [---] engagements
"$UPST [--] Trustpilot reviews yesterday. Nearing the end of the quarter it looks like revenue will easily exceed management guidance"
X Link 2025-12-10T17:00Z [---] followers, [----] engagements
"@ericjackson $UPST is next in [----]. Massive funding deal coming that will allow them to rapidly increase market share in Auto and Home loans will lead to a leap in profitability. GAAP profitability will attract a lot more funds to add"
X Link 2025-12-12T13:28Z [---] followers, [---] engagements
"@goddreng10 Cobalt is also purchasing portfolios of home equity lines of credit (HELOCs) from Upstarts affiliate Upstart Mortgage on an ongoing basis to further expand and diversify its consumer lending offerings. https://ir.upstart.com/news-releases/news-release-details/cobalt-credit-union-selects-upstart-personal-loans-helocs-and https://ir.upstart.com/news-releases/news-release-details/cobalt-credit-union-selects-upstart-personal-loans-helocs-and"
X Link 2025-12-14T22:32Z [---] followers, [---] engagements
"@goddreng10 Some of the newer deals with credit unions include HELOC and auto loans - In cobalts case they are also purchasing pools of HELOC loans on $UPST b/s which would be part of the amounts sold last Q"
X Link 2025-12-14T22:34Z [---] followers, [---] engagements
"@zoozai_invest The R&D loan exposure has always been disclosed. For instance go back to Q3 [----] and its on p. [--] of the presentation. $873 mil is too high. Management has said they are working on a deal to offload and reduce growth going forward. Why it hasn't closed is the question"
X Link 2025-12-19T09:19Z [---] followers, [---] engagements
"@zoozai_invest They want to quickly scale home and auto and that requires a lot of capital. they are likely negotiating with a new large partner and the hold up is likely the terms and the margin that will be left over. Upstart is used to large margin for selling personal loans"
X Link 2025-12-19T09:21Z [---] followers, [---] engagements
"@zoozai_invest P. [--] of Q3 [----] has a breakdown of the total loans on balance sheet and its components R&D Core Personal and Securitization. Total of $656 Mil which matches the BS number. They always report the breakdown of loans held on Balance sheet"
X Link 2025-12-19T14:27Z [---] followers, [--] engagements
"Big outperformance over the past month for $UPST despite no major funding announcement. Strong Q4 expected plus more improving macro conditions in [----] should keep this trend going"
X Link 2025-12-23T21:55Z [---] followers, [----] engagements
"@HenryInvests Yeah what I wish the company could do is provide monthly figures for loans on BS originations and sales of loans"
X Link 2025-12-26T20:43Z [---] followers, [---] engagements
"@nachunja @Square I see the biggest catalyst being the election cycle and the new Fed governor. Election cycle means the Treasury department will do whatever it takes to keep credit flowing - good for Borrow acceleration. Easy money Fed will boost all asset prices - good for the stock/multiple"
X Link 2026-01-07T22:26Z [---] followers, [---] engagements
"$UPST S.381 known as the [--] Percent Credit Card Interest Rate Cap Act a bipartisan Senate bill introduced on February [--] [----] - The cap only applied to CC companies. Meaning all other consumer lending could continue to lend at any rate"
X Link 2026-01-12T21:26Z [---] followers, [----] engagements
"The advantage that $COF has over Upstart is that they have cheap deposit funding and an effective funnel that allows them to maintain lucrative consumer receivables. The rate cap will kick out a big chunk of their customer base as it won't be profitable to extend their credit"
X Link 2026-01-12T21:32Z [---] followers, [---] engagements
"@jerrybaaa Upstart needs to show a big reduction in loans on Balance sheet first. At that point they would have capital to buyback a good amount of shares"
X Link 2026-01-13T12:15Z [---] followers, [--] engagements
"@HenryInvests I have been learning a language on Duolingo for the past [---] years. I have been in the top 5% for each year. Just had a lesson that taught how to say round the bill up to $50. Would have been useful in the first [--] weeks. Dont know anyone who has learned a language from it"
X Link 2026-01-13T19:17Z [---] followers, [---] engagements
"@HenryInvests German [--]. I do other methods of learning like YouTube courses. The problem is there is so much not useful vocabulary. Just learned how to say Elephants tusk. Its not designed to get people on their feet but rather drag out the beginner stages"
X Link 2026-01-13T19:35Z [---] followers, [--] engagements
"$RILY up 37% in after hours trading on updated Nasdaq compliance with the release of Q3 earnings. Signficant short interest and potential for big gains if capital markets remain strong this year. https://ir.brcgh.com/2026-01-14-BRC-Group-Holdings-Inc-Reports-Third-Quarter-2025-Financial-Results https://ir.brcgh.com/2026-01-14-BRC-Group-Holdings-Inc-Reports-Third-Quarter-2025-Financial-Results"
X Link 2026-01-14T21:58Z [---] followers, [---] engagements
"@nachunja @CashApp This is a massive opportunity. They have an incredible data set. Huge upside to [----] growth and beyond because of lending"
X Link 2026-01-20T21:54Z [---] followers, [--] engagements
"$ALLY Ally financial has over $100 Bn in auto loans on Balance sheet and a mkt cap of $12 Billion. $UPST has less than $400 mn on BS. If credit quality were deteriorating rapidly it would show up in highly leveraged lenders. $ALLY down about 3% in last month"
X Link 2025-09-30T14:23Z [---] followers, [----] engagements
"$XYZ Block should buy Opera $OPRA the browser company. Over [---] million users and a sophisticated agentic browser. Block can leverage the data and combine AI research. Opera also has an international remittance business with over [--] million unique accounts"
X Link 2025-10-23T15:49Z [---] followers, [----] engagements
"@DonPalermo5 $RILY I could see them trying to sell a big chunk very soon with the March bonds coming due. To me the prefs look good. Accounting deficit could be gone by end of Q1. Motivation to restart pref dividends to avoid [--] more board seats added"
X Link 2026-01-29T08:28Z [---] followers, [---] engagements
"@Spergtastic1 They likely finished giving the auditors all of the information but could not get a guarantee of completion until at least mid March. So did not want fear and rumour to creep in during that period"
X Link 2026-01-30T10:22Z [---] followers, [--] engagements
"@waterpolojoe @RealJimChanos @IndraStocks @GothamResearch @HenryInvests Upstart collects platform fees but often has to mark down loans before they are sold. In really good times they make gains on the loans before they are sold. Its odd that $CVNA has the volume growth and is still generating these levels of gains"
X Link 2026-01-30T18:48Z [---] followers, [---] engagements
"@waterpolojoe @RealJimChanos @IndraStocks @GothamResearch @HenryInvests Its worth watching I dont know for sure. But it would mean Upstarts growth might be throttled by a competitor undercutting because they are able to sell them for a fake gain. That is the accusation that is at least being floated"
X Link 2026-01-30T18:50Z [---] followers, [--] engagements
"$UPST Pivotal time for the company. Upstart has a great product and underwriting model for Personal loans. Now the question is can they scale their technology to have an edge in all other credit products. The share price reflects a lot of uncertainty"
X Link 2026-01-27T20:06Z [---] followers, [----] engagements
"Trustpilot reviews are at [----] through [--] days a monthly record. Huge dislocation in fundamentals to the stock price. $UPST"
X Link 2026-01-30T12:13Z [---] followers, [----] engagements
"$UPST At today's valuation the market does not believe there will be any value ever accrued from new loan products. So the question is Upstart a market leader in a single product with solid earnings or a disruptor about to take on everything in credit"
X Link 2026-01-30T15:55Z [---] followers, [----] engagements
"@HenryInvests @Rebellionaire Excellent report - Your estimates and guidance look solid and encouraging. What I'm most curious is how will the market digest the outlook if there is no major new funding in place. Personal plus HELOC can still grow with existing funding. Auto growth would suffer $UPST"
X Link 2026-02-03T21:46Z [---] followers, [---] engagements
"@jevgenijs Would probably be difficult for a PE firm to raise the amount of capital necessary. My bet is that they merge with $COF given their ambitions and the recent fast approvals given to mergers"
X Link 2026-02-04T09:25Z [---] followers, [---] engagements
"@ImNicklovinIt @jevgenijs It would allow $COF to expand internationally and add products and services that would be hard for them to build on their own"
X Link 2026-02-05T08:14Z [---] followers, [--] engagements
"$UPST - $345 Mil in loans sold from R&D in Q4. $323 Mil in Auto + Home originated Funding partners starting Q1 goes up to [--] from [--] in Q4. Remaining R&D runs off via repayments. Growth in Home+Auto will continue 📈 and BS will continue to 📉"
X Link 2026-02-12T09:15Z [---] followers, [----] engagements
"What do you think happens to the stock when $UPST announces a loan sale agreement for auto loans $CVNA is up almost 100% from the time it announced a renewed agreement with Ally financial to sell $4Billion in loans. https://finance.yahoo.com/news/carvana-reinstates-loan-sale-agreement-135900367.html https://finance.yahoo.com/news/carvana-reinstates-loan-sale-agreement-135900367.html"
X Link 2025-08-16T08:34Z [---] followers, [----] engagements
"@RealJimChanos @IndraStocks @GothamResearch @HenryInvests this is worth following. If these gains on sale of loans are not real it really distorts the market. Upstart could gain more in market share in auto loans if it turns out $CVNA is a house of cards"
X Link 2026-01-30T17:30Z [---] followers, [---] engagements
"$UPST is way oversold heading into the weekend and earnings. $40 by end of trading day next Tuesday"
X Link 2026-02-06T16:33Z [---] followers, [----] engagements
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