# ![@MacNeillPatrick Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::796254776.png) @MacNeillPatrick Pat MacNeill

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

### Engagements: [---] [#](/creator/twitter::796254776/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::796254776/c:line/m:interactions.svg)

- [--] Week [------] +324%
- [--] Month [------] +183%
- [--] Months [-------] +11%
- [--] Year [-------] +6,609%

### Mentions: [--] [#](/creator/twitter::796254776/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::796254776/c:line/m:posts_active.svg)

- [--] Months [--] +11%
- [--] Year [---] +853%

### Followers: [---] [#](/creator/twitter::796254776/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::796254776/c:line/m:followers.svg)

- [--] Week [---] +1.60%
- [--] Month [---] +3.30%
- [--] Months [---] +27%
- [--] Year [---] +176%

### CreatorRank: [---------] [#](/creator/twitter::796254776/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::796254776/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  42% [stocks](/list/stocks)  40% [cryptocurrencies](/list/cryptocurrencies)  7% [countries](/list/countries)  3% [technology brands](/list/technology-brands)  3% [celebrities](/list/celebrities)  2% [automotive brands](/list/automotive-brands)  1% [social networks](/list/social-networks)  1% [exchanges](/list/exchanges)  1%

**Social topic influence**
[$upst](/topic/$upst) #20, [$xyz](/topic/$xyz) #35, [balance sheet](/topic/balance-sheet) 8%, [ai](/topic/ai) 6%, [auto loans](/topic/auto-loans) 5%, [money](/topic/money) 5%, [home loans](/topic/home-loans) 5%, [products](/topic/products) 4%, [$cvna](/topic/$cvna) 3%, [$cof](/topic/$cof) 3%

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@nachunja](/creator/undefined) [@veganhippo21](/creator/undefined) [@realjimchanos](/creator/undefined) [@indrastocks](/creator/undefined) [@gothamresearch](/creator/undefined) [@zoozaiinvest](/creator/undefined) [@rebellionaire](/creator/undefined) [@jevgenijs](/creator/undefined) [@paulxgu](/creator/undefined) [@torovictorioso](/creator/undefined) [@bambroughkevin](/creator/undefined) [@mrderivatives](/creator/undefined) [@surajpn93](/creator/undefined) [@goddreng10](/creator/undefined) [@waterpolojoe](/creator/undefined) [@imnicklovinit](/creator/undefined) [@jack](/creator/undefined) [@elonmusk](/creator/undefined) [@santiagoaufund](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Block, Inc. (XYZ)](/topic/$xyz) [Carvana Co. (CVNA)](/topic/$cvna) [Capital One Financial Corp. (COF)](/topic/$cof) [Fair Isaac, Corp. (FICO)](/topic/$fico) [Bitcoin (BTC)](/topic/$btc) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [GameStop, Corp. (GME)](/topic/$gme) [AMC Entertainment Holdings, Inc. (AMC)](/topic/$amc) [Beyond Meat, Inc. (BYND)](/topic/$bynd) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Bed Bath & Beyond Inc (BBBY)](/topic/$bbby) [Bittensor (TAO)](/topic/$tao) [UnitedHealth Group (UNH)](/topic/$unh) [Humana Inc (HUM)](/topic/$hum) [Hamilton Insurance Group, Ltd. (HG)](/topic/$hg) [AGNC Investment Corp. Common Stock (AGNC)](/topic/$agnc) [Docusign Inc (DOCU)](/topic/$docu) [Uber Technologies, Inc. (UBER)](/topic/$uber) [American Express Company (AXP)](/topic/$axp) [MARA Holdings, Inc. (MARA)](/topic/$mara)
### Top Social Posts
Top posts by engagements in the last [--] hours

"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


"@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


"@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


"$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


"@nachunja It is a sign of the acceleration in the development of AI agents. The new long term employee max needs to be continuously adjusted down as large functions can be replaced with AI agents. $XYZ"  
[X Link](https://x.com/MacNeillPatrick/status/2020436049869316507)  2026-02-08T09:54Z [---] followers, [---] engagements


"$UPST is only similar to $PGY on the surface. Upstart has very different technology and funding strategy. Which explains why $UPST finished higher today despite the massive dump in $PGY"  
[X Link](https://x.com/MacNeillPatrick/status/2020977115013972094)  2026-02-09T21:44Z [---] followers, [----] engagements


"$UPST continues to run higher ahead of earnings report this evening. Jump comes after the stock was way oversold. It appears that the shorts leaned in to the last selloff and are now way offside heading into earnings. $UPST is way oversold heading into the weekend and earnings. $40 by end of trading day next Tuesday. $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/2021239831813038590)  2026-02-10T15:08Z [---] followers, [----] engagements


"$UPST Upstart announces CEO transition - This timing is important as the company accelerates its growth in new loan products. @paulxgu will own the strategy and execution that will define the next stage of the company"  
[X Link](https://x.com/MacNeillPatrick/status/2021356585696756094)  2026-02-10T22:52Z [---] followers, [----] engagements


"$UPST records very strong Q4 and full year [----]. Auto + Home reaccelerated growth in originations and Loans on Balance sheet were reduced. Upstart is in a great position to continue to grow profitably"  
[X Link](https://x.com/MacNeillPatrick/status/2021360256476147732)  2026-02-10T23:06Z [---] 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


"$UPST selling has been indiscriminate - even top premium valued fintechs are experiencing the same route. The fundamentals will play out in the long run"  
[X Link](https://x.com/MacNeillPatrick/status/2022073948478005486)  2026-02-12T22:22Z [---] followers, [----] engagements


"The government is about to open source the lending standards and credit underwriting for mortgages. $XYZ $UPST Interesting Interesting"  
[X Link](https://x.com/MacNeillPatrick/status/2022367732751016126)  2026-02-13T17:50Z [---] 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


"@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


"@SFarringtonBKC One thing to note is that as of the last proxy statement B Riley Financial owned [--------] shares of $BW which would put the position at well over $300 million now. The prefs should continue to appreciate. $RILYL $RILYP"  
[X Link](https://x.com/MacNeillPatrick/status/2018927253346713723)  2026-02-04T05:59Z [---] 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

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing