# ![@UnicusResearch Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1370821619145379842.png) @UnicusResearch Unicus

Unicus posts on X about in the, $cvna, we are, ai the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1370821619145379842/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1370821619145379842/c:line/m:interactions.svg)

- [--] Week [-------] -42%
- [--] Month [---------] +11%
- [--] Months [----------] +1,118%
- [--] Year [----------] +952%

### Mentions: [--] [#](/creator/twitter::1370821619145379842/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1370821619145379842/c:line/m:posts_active.svg)

- [--] Week [---] +11%
- [--] Month [---] +27%
- [--] Months [-----] +45%
- [--] Year [-----] +58%

### Followers: [------] [#](/creator/twitter::1370821619145379842/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1370821619145379842/c:line/m:followers.svg)

- [--] Week [------] +1.10%
- [--] Month [------] +4.50%
- [--] Months [------] +58%
- [--] Year [------] +126%

### CreatorRank: [-------] [#](/creator/twitter::1370821619145379842/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1370821619145379842/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  42.86% [finance](/list/finance)  36.61% [technology brands](/list/technology-brands)  16.07% [financial services](/list/financial-services)  #1466 [social networks](/list/social-networks)  5.36% [countries](/list/countries)  5.36% [automotive brands](/list/automotive-brands)  3.57% [celebrities](/list/celebrities)  1.79% [cryptocurrencies](/list/cryptocurrencies)  1.79% [currencies](/list/currencies)  0.89%

**Social topic influence**
[in the](/topic/in-the) 16.96%, [$cvna](/topic/$cvna) 9.82%, [we are](/topic/we-are) 8.93%, [ai](/topic/ai) 7.14%, [$gm](/topic/$gm) #54, [ceo](/topic/ceo) #2967, [breaking](/topic/breaking) 4.46%, [the first](/topic/the-first) 4.46%, [debt](/topic/debt) #1864, [$stla](/topic/$stla) #1

**Top accounts mentioned or mentioned by**
[@robmacarthur5](/creator/undefined) [@hiddemulder2](/creator/undefined) [@teabagcapital](/creator/undefined) [@nnzp1730](/creator/undefined) [@realjimchanos](/creator/undefined) [@clawsy1](/creator/undefined) [@paulomacro](/creator/undefined) [@cyqotek](/creator/undefined) [@feeinc](/creator/undefined) [@kshaughnessy2](/creator/undefined) [@iamreitman](/creator/undefined) [@ivan_labrie](/creator/undefined) [@artkeller](/creator/undefined) [@gothamresearch](/creator/undefined) [@blueduckcap](/creator/undefined) [@ivanlabrie](/creator/undefined) [@marionawfal](/creator/undefined) [@realsteveeisman](/creator/undefined) [@m3melody](/creator/undefined) [@samanthaladuc](/creator/undefined)

**Top assets mentioned**
[Carvana Co. (CVNA)](/topic/$cvna) [GM (GM)](/topic/$gm) [Stellantis N.V. (STLA)](/topic/$stla) [Ally Financial, Inc. (ALLY)](/topic/$ally) [BlackRock Inc (BLK)](/topic/blackrock) [NVIDIA Corp. (NVDA)](/topic/$nvda) [CarMax, Inc (KMX)](/topic/$kmx) [Klarna Group plc (KLAR)](/topic/klarna) [Apollo Global Management, Inc. (APO)](/topic/$apo) [Blue Owl Capital, Inc. (OWL)](/topic/$owl) [KKR & Co, Inc. (KKR)](/topic/$kkr) [Hologic, Inc. (HOLX)](/topic/hologic-inc) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [DisChain (DIS)](/topic/$dis) [Tesla, Inc. (TSLA)](/topic/tesla) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims)
### Top Social Posts
Top posts by engagements in the last [--] hours

"With all due respect to the experts they are incorrect. This statement is misleading and oversimplified. $KMX is losing market share to $CVNA and the management has no idea what the heck theyre doing. ABS is the catalyst for $CVNA and others. The deterioration in their prime and subprime loan books are concerning. Carmax/Carvana control 3.5% of 38M total used car sales in the U.S. every year: And no other organization come close to their numbers. Look at these charts from auto finance expert Bill Ploog that compare dollars of used vehicle retail sales and loan originations for each"  
[X Link](https://x.com/UnicusResearch/status/2003151459911627069)  2025-12-22T17:11Z 17K followers, [----] engagements


"🚩BREAKING: FlexShopper Inc. a publicly traded provider of lease-to-own financing for appliances electronics and other consumer products filed for bankruptcy. Reason: Double Pledging (another 'isolated incident'). The bankruptcy filing comes after FlexShopper terminated former CEO Russell Heiser in August for allegedly providing the companys auditor with forged documents in support of loan receivables and loan revenues the firm said. It also accused Heiser of pledging collateral that did not exist or meet the eligibility requirements under one of the companys lending facilities."  
[X Link](https://x.com/UnicusResearch/status/2003228813178675239)  2025-12-22T22:19Z 17K followers, 13.5K engagements


"🚨We are monitoring the credit and S&P's credit downgrades is not painting a pretty picture. - The first fallen angel of [----] was Hologic Inc. - $HOLX is shown with $15699 million of debt. - Distressed exchanges remain the primary driver of global defaults. We dissect the ratings below: https://twitter.com/i/web/status/2011861048236617792 https://twitter.com/i/web/status/2011861048236617792"  
[X Link](https://x.com/UnicusResearch/status/2011861048236617792)  2026-01-15T18:00Z 17K followers, [----] engagements


"BREAKING: $AFRM to offer buy now pay later option for rent payments. This is not good. This is very bad. Affirm will make those services available through a partnership with New York-based financial technology company Esusu which offers financial education credit reporting assistance and emergency zero-interest loans to tenants. https://www.multifamilydive.com/news/affirm-buy-now-pay-later-rent/809750/ https://www.multifamilydive.com/news/affirm-buy-now-pay-later-rent/809750/"  
[X Link](https://x.com/UnicusResearch/status/2013384803429585145)  2026-01-19T22:55Z 17K followers, 130.2K engagements


"🚩 $ALLY management on call: "yoy no charge offs echoes stregth of our originations." Our Asset backed Securities work on $ALLY: Spike in modifications tells us that the management off-balance sheets the loans and continues to modify them thereby avoiding charge offs. ABS is the trigger for $CVNA $ALLY and others. What a farce. https://twitter.com/i/web/status/2013978176343408706 https://twitter.com/i/web/status/2013978176343408706"  
[X Link](https://x.com/UnicusResearch/status/2013978176343408706)  2026-01-21T14:13Z 17K followers, [----] engagements


"🚨BREAKING: Jeffries backed fund sues $FAT brands over alleged debt default. What happened: [---] Capital Group filed a lawsuit in alleging that the $FAT owner never delivered promised shares from a spun-off entity to bondholders. As a result the company is now in default and owes those investors roughly $158.9 million. If fraud has a face. $FAT. https://www.wsj.com/articles/jefferies-backed-fund-sues-fat-brands-over-alleged-debt-default-99d5b014mod=bankruptcy_lead_story&tpl=br 🚨🚩 A $FAT fraud. We have been writing about it for a year. You can read about it all here.👇 By the way this is what"  
[X Link](https://x.com/UnicusResearch/status/2014840933138006254)  2026-01-23T23:21Z 17K followers, 13.3K engagements


"So buy $GM And avoid $STLA What on earth is he smoking We heard from our sources $GM is in a lot more trouble. Stellantis avoid at all costs. Stellantis avoid at all costs"  
[X Link](https://x.com/UnicusResearch/status/2015536377237012750)  2026-01-25T21:24Z 17K followers, [----] engagements


"🚩 $CVNA: Per our vintage ABS analysis and our proprietary liquidity overlay bridge technically CVNA had to take millions in residual impairement writedown.in Q4 [----]. But will it is the question. For Q1 [----] covenant violations probable. To gain access to our liquidity overlay bridge see below: https://twitter.com/i/web/status/2016493537420861784 https://twitter.com/i/web/status/2016493537420861784"  
[X Link](https://x.com/UnicusResearch/status/2016493537420861784)  2026-01-28T12:48Z 16.9K followers, 11.5K engagements


"Never understood the hoopla and never had a TikTok account. For starters that name drives me nuts. Second youtube has better cat videos. Finally unless Tiktok streams NHL stanley cup live do not want it. Is TikTok now just Israeli spyware https://t.co/3t7KyxyoVU Is TikTok now just Israeli spyware https://t.co/3t7KyxyoVU"  
[X Link](https://x.com/UnicusResearch/status/2017009052216156499)  2026-01-29T22:56Z 17K followers, [----] engagements


"$CVNA is the $OPEN of car buying. Its a pawn shop feel for selling for consumers who need: quick cash. Buying $CVNA or $OPEN is like investing in a pig with lipstick on it. The kill switch and the catalyst is on the ABS side for CVNA. $OPEN is a zero once the pump tapers down. @TeaBagCapital @RobMacArthur5 @UnicusResearch Had the worst car buying experience and one of the best car selling experiences. Something isnt right there. @TeaBagCapital @RobMacArthur5 @UnicusResearch Had the worst car buying experience and one of the best car selling experiences. Something isnt right there"  
[X Link](https://x.com/UnicusResearch/status/2017204827680395757)  2026-01-30T11:54Z 17K followers, [----] engagements


"Yes it is allegedly known that $CVNA s fundamentals work on pixie dust and magic. Exposing it wont make the stock go down IMHO enforcement action by the regulators (if there are any left) will be impactful. Plus the ABS market. Besides that its all just a noise"  
[X Link](https://x.com/UnicusResearch/status/2017290408749830445)  2026-01-30T17:34Z 16.9K followers, [----] engagements


"🚩 As we continue to share with our clients the catalyst is on the credit side. BREAKING: According to Moody's the probability of default or PD for U.S. automakers sat at 12.67% as of [----]. As a result of the increased default risklenders and investorsmaystarttoreassessborrowingterms and the level of riskthattheyrewillingtotake. Thiscould leadtoOEMsfacing: - Higher costs - Less flexibility - Higher dilution - Amore selective process when trying to accesscapital and - Aheightened need to raisecapital. BREAKING: U.S. automakers in [----] could face higher borrowing costs as the probability of"  
[X Link](https://x.com/UnicusResearch/status/2017408485760077988)  2026-01-31T01:23Z 17K followers, 12.2K engagements


"🚨 BREAKING: Today the Illinois Department of Financial and Professional Regulation closed Metropolitan Capital Bank & Trust and appointed the FDIC as receiver. Metropolitan Capital Bank and Trust has collapsed with First Independence Bank assuming control of its operations. Another one bites the dust. https://twitter.com/i/web/status/2017423805711269916 https://twitter.com/i/web/status/2017423805711269916"  
[X Link](https://x.com/UnicusResearch/status/2017423805711269916)  2026-01-31T02:24Z 17K followers, 43.9K engagements


"https://www.fdic.gov/news/press-releases/2026/first-independence-bank-detroit-michigan-assumes-all-deposits-metropolitan https://www.fdic.gov/news/press-releases/2026/first-independence-bank-detroit-michigan-assumes-all-deposits-metropolitan"  
[X Link](https://x.com/UnicusResearch/status/2017424724721054012)  2026-01-31T02:28Z 17K followers, [----] engagements


"$DIS warned of potential international visitor headwinds at its US parks. The guidance comes after a [--] per cent drop in foreign visitors to the US last year. Tourism is dead. We spoke about this several times. We are publishing a follow up report today on one of our tourism related recommendations. Stay tuned. Tourism is dead. We spoke about this several times. We are publishing a follow up report today on one of our tourism related recommendations. Stay tuned"  
[X Link](https://x.com/UnicusResearch/status/2018349813490749534)  2026-02-02T15:44Z 17K followers, [----] engagements


"🚨 We continue to share with our clients and readers that Tricolor and First Brands frauds will continue to hangover the ABS/ABL market. We shared our thoughts with AFN. The question we continue to ask is: how do we know (unless we audit every lender loans comprehensively) that the fraud is not omnipresent Our work in ABS is important now more than ever. https://www.autofinancenews.net/magazine-content/features/inside-tricolors-2-2b-abs-fallout-fraud-red-flags-and-lessons-for-auto-lenders/"  
[X Link](https://x.com/UnicusResearch/status/2018447297521103062)  2026-02-02T22:11Z 17K followers, [----] engagements


"Elon and others cant even build data centers without robbing the natural resources of electricity and water from the neighborhood. Who gives money to these crockpots who invest in something thats remotely achievable let alone scalable Buller SpaceX just acquired xAI in a deal valuing the combined entity at $1.25 trillion. Elon says it's about building "data centers in space." But let me translate what's really happening here. xAI is burning through $1 billion per month. The company generated $107 million in https://t.co/R7OToXMpOg SpaceX just acquired xAI in a deal valuing the combined entity"  
[X Link](https://x.com/UnicusResearch/status/2018714258763071646)  2026-02-03T15:52Z 16.9K followers, [----] engagements


"$NVDA CEO Predicts AI Will Eventually Cut Energy Costs: Huang explained that surging AI data center demand is driving huge investments in energy supply and grid upgrades which will boost supply and lower costs. That is one of the most DUMBEST thing we heard"  
[X Link](https://x.com/UnicusResearch/status/2019030083131031998)  2026-02-04T12:47Z 17K followers, [----] engagements


"$NVDA saying software sell off most illogical thing in the world Now why would he say that Is it because Private Credit lenders have been actively financing the explosive demand for NVDAs AI hardware or maybe leveraging with GPUs as collateral Why would he say that"  
[X Link](https://x.com/UnicusResearch/status/2019128180771287143)  2026-02-04T19:17Z 17K followers, [----] engagements


"🚩🚩🚩SPAC is BACK with vengence and on our radar. SPAC Apeiron Acquisition files for $70 million IPO targeting international operations. The SPAC intends to target international operations and non-U.S. market leaders with strong appeal to U.S.-based investors"  
[X Link](https://x.com/UnicusResearch/status/2019248694525083835)  2026-02-05T03:16Z 17K followers, [----] engagements


"This Is Old News. $CVNA loans underwater Vehicle is worth less than the loan amount WOW. https://t.co/QvUH1PnrFe $CVNA loans underwater Vehicle is worth less than the loan amount WOW. https://t.co/QvUH1PnrFe"  
[X Link](https://x.com/UnicusResearch/status/2019409840465146297)  2026-02-05T13:56Z 17K followers, [----] engagements


"We published on our ABS work and we have been following and recommending dealerships and OEMs for [--] years. This is old news. And has been a persistent problem for years. Consumers who bought BMWs for $70k are so cant trade in as theyve been under water with neg.equity $45K. Yes its all in ABS. Just published my forensic short thesis on $CVNA: "Carvana Subprime Auto in Prime Clothing" Stated-income loans everywhere FICO illusion LTVs exploding to 92% (36% underwater) extensions hiding delinquencies. Securitization flywheel at risk. Echoes some @GothamResearch Just published my forensic short"  
[X Link](https://x.com/UnicusResearch/status/2019410430171529265)  2026-02-05T13:59Z 17K followers, [----] engagements


"🚨 $NVDA to delay new gaming chip due to memory chip shortage. Nvidia wont release a new graphics chip for gamers this year due to a deepening global shortage of memory chips prompted by the AI boom. Its the first time in [--] years it wont release one in the calendar year"  
[X Link](https://x.com/UnicusResearch/status/2019412002297507849)  2026-02-05T14:05Z 17K followers, [----] engagements


"The delay will also push back the release of Nvidias next-generation gaming GPU. Likely called the RTX [--] series it was originally scheduled to begin mass production at the end of 2027"  
[X Link](https://x.com/UnicusResearch/status/2019412771096453502)  2026-02-05T14:08Z 17K followers, [----] engagements


"@HiddeMulder2 CVNA has its own abs. Check the sec. Were. They also sell to DT Ally and others"  
[X Link](https://x.com/UnicusResearch/status/2019439083249103341)  2026-02-05T15:52Z 17K followers, [--] engagements


"#1: Once you are married make sure that divorce does not happen. At the end of the day to be blunt divorce is not good for business and bottom-line. #2: Having a business partner is another marriage. Put everything in writing. https://www.bloomberg.com/news/features/2026-02-05/how-two-sigma-founder-s-divorce-fight-hangs-over-hedge-fund-s-futuresrnd=homepage-americas https://www.bloomberg.com/news/features/2026-02-05/how-two-sigma-founder-s-divorce-fight-hangs-over-hedge-fund-s-futuresrnd=homepage-americas"  
[X Link](https://x.com/UnicusResearch/status/2019459374603809120)  2026-02-05T17:13Z 17K followers, [----] engagements


"@nnzp1730 Its not all because they are just getting warmed up. ABG in their call said STLA stores are not doing well at all"  
[X Link](https://x.com/UnicusResearch/status/2019752838356681129)  2026-02-06T12:39Z 17K followers, [--] engagements


"We don't think Anthropic "hallucinates" - no. Anthropic CEO does. Anthropic CEO: Software engineering will be completely obsolete in 6-12 months https://t.co/EwKq8l7HE7 Anthropic CEO: Software engineering will be completely obsolete in 6-12 months https://t.co/EwKq8l7HE7"  
[X Link](https://x.com/UnicusResearch/status/2019875181611655341)  2026-02-06T20:45Z 17K followers, [----] engagements


"@RealJimChanos Agree- what irks us is that it is not acting like one. Weve been following auto sector for [--] years- its imploding. Our STLA short took a nosedive today with write off . How the heck $TSLA still alive so my statement Tesla is not a car company was facetious"  
[X Link](https://x.com/UnicusResearch/status/2019880359085629796)  2026-02-06T21:06Z 16.9K followers, [----] engagements


"Just kidding: Anthropic and its CEO hallucinate non stop"  
[X Link](https://x.com/UnicusResearch/status/2019882151634968743)  2026-02-06T21:13Z 17K followers, [---] engagements


"🚨 Software as a Shock: II Anthropic dropped two product headlines in one week: Legal for contract workflows then Opus [---] pitched for financial analysis and spreadsheets. Markets reacted first and sold the workflow stack. Here is the kick: Its tempting to say Anthropic triggered it but the more accurate framing.is something else. See below: https://twitter.com/i/web/status/2019883630470820284 https://twitter.com/i/web/status/2019883630470820284"  
[X Link](https://x.com/UnicusResearch/status/2019883630470820284)  2026-02-06T21:19Z 17K followers, 11.2K engagements


"We analyzed the KBRA's latest data set: Software is a major private credit exposure. And the sell off that happened for the past few days It is just a warm up. Be in the Know: https://contrarianunicus.substack.com/p/software-as-a-shock-part-ii-anthropic https://contrarianunicus.substack.com/p/software-as-a-shock-part-ii-anthropic"  
[X Link](https://x.com/UnicusResearch/status/2019883633163546769)  2026-02-06T21:19Z 17K followers, [----] engagements


"$HIMS announcement drops quietly today. The news comes after Mike Stuart general counsel for the Department of Health and Human Services wrote in a post on X Friday afternoon that the agency had referred Hims to the Department of Justice for investigation. @BlueDuckCap https://ground.news/article/hims-and-hers-pulls-copycat-weight-loss-pill-after-threats-of-legal-action_3a9186 BREAKING: $HIMS said today that it would no longer offer a compounded pill version of the popular weight-loss medicine Wegovy following increased scrutiny from federal regulators. Unlike Wegovy the Hims product has not"  
[X Link](https://x.com/UnicusResearch/status/2020269515276238886)  2026-02-07T22:52Z 17K followers, [----] engagements


"🚨 AI-faked documents. This is serious. Employees and borrowers can create fake bank statements fake utility bills and they're nearly impossible to spot particularly when they are scanned and submitted electronically. Source: "fraudsters leveraging AI to create identities to mimic people's voices their looks their mannerisms duplicating documentation that banks typically verify against or rely on like bill payments utility bills that type of thing they can easily go to AI."-Bankwell Bank. 🚩ICYMI: AI- faked documents are hard to identify. Key insight: Generative AI instantly fabricates"  
[X Link](https://x.com/UnicusResearch/status/2020270982343381048)  2026-02-07T22:58Z 17K followers, [----] engagements


"This definitely missed the news. $F and $GM did what now https://x.com/UnicusResearch/status/2020285581729681778s=20 https://x.com/UnicusResearch/status/2020285581729681778s=20"  
[X Link](https://x.com/UnicusResearch/status/2020285940468707548)  2026-02-07T23:57Z 17K followers, [---] engagements


"Hyper accurate. Know it way too well. My dad is a mathematician and my mom is a banker - both retired now. God forbid I came home with A instead of A+. I got an A once and I was given a lecture on why i wont have a future if I keep up the grade "A." If youre ever wondering what its like to grow up Asian https://t.co/PUYAHbMR0c If youre ever wondering what its like to grow up Asian https://t.co/PUYAHbMR0c"  
[X Link](https://x.com/UnicusResearch/status/2020287643578257677)  2026-02-08T00:04Z 17K followers, [----] engagements


"@clawsy1 A shit hurricane Eventually $F and $GM will be too big to fail as they lend out people with negative equity who cant pay. Then $F and $GM will be too big to fail as a bank and will be bailed out by taxpayers. They lend happily ever after. The end"  
[X Link](https://x.com/UnicusResearch/status/2020293477406503132)  2026-02-08T00:27Z 17K followers, [---] engagements


"@PauloMacro This is not confirmed news by OF or Klarna"  
[X Link](https://x.com/UnicusResearch/status/2020314605789016353)  2026-02-08T01:51Z 17K followers, [---] engagements


"We are obligated to say that the following has been circulating in this platform and it is not real to our knowledge. There is no factual press release from klarna or OF that corroborates BNPL for OF"  
[X Link](https://x.com/UnicusResearch/status/2020508297707528677)  2026-02-08T14:41Z 17K followers, [----] engagements


"See thing about China is we don't remember them TACOing on anything. China is patient calculative and decisive. This is very very bad. This is not good Its very very bad https://t.co/coBViTkxQL This is not good Its very very bad https://t.co/coBViTkxQL"  
[X Link](https://x.com/UnicusResearch/status/2020817874324005125)  2026-02-09T11:11Z 17K followers, [----] engagements


"🚩In the midst of heavy distractions the following reality is dominating our economy over the past few days without getting too much notice: More distractions=no accountability. [--]. $GM and $F are now a bank. [--]. Wholesalers said that people who bought BMW and luxury cars with their 100$K income paid $70K two years ago now have $45K negative equity on that car. Non luxury cars have negative equity of $15K. [--]. China asked its banks to limit exposure to the U.S treasuries. [--]. Visits to the US by international travelers declined for the eighth straight month in December [----]. Causing job losses."  
[X Link](https://x.com/UnicusResearch/status/2020821392954966433)  2026-02-09T11:25Z 17K followers, [----] engagements


"@ivan_labrie You mean the bio of Bloomberg Because Im citing a news not making stuff up. China being long term oriented and calculative is a proven strategy of China. Cheers"  
[X Link](https://x.com/UnicusResearch/status/2020826336764530801)  2026-02-09T11:45Z 17K followers, [--] engagements


"🚨Today we found something in a $CVNA auto ABS trust that most equity investors skip. The structure isnt secret; its in the servicer reports and rating writeups. Whats missing is what the timing implies. We overlaid trust cashflows and OC build with $CVNA s reported financials to estimate when (and how much) impairment pressure shows up. See below: https://twitter.com/i/web/status/2020929019785642159 https://twitter.com/i/web/status/2020929019785642159"  
[X Link](https://x.com/UnicusResearch/status/2020929019785642159)  2026-02-09T18:33Z 17K followers, [----] engagements


"Were at a stage where we can longer tell the difference between insanity and reality. JUST IN: MrBeast bought a bank JUST IN: MrBeast bought a bank"  
[X Link](https://x.com/UnicusResearch/status/2020937001881772199)  2026-02-09T19:05Z 17K followers, [----] engagements


"Oh boy MRBEAST BUYS FINTECH STARTUP STEP YouTube star MrBeast has acquired youth-focused financial services firm Step through Beast Industries. Financial terms were not disclosed. Step has over [--] million users and offers savings investing and credit-building tools for young people. https://t.co/3yDJoofHcV MRBEAST BUYS FINTECH STARTUP STEP YouTube star MrBeast has acquired youth-focused financial services firm Step through Beast Industries. Financial terms were not disclosed. Step has over [--] million users and offers savings investing and credit-building tools for young people."  
[X Link](https://x.com/UnicusResearch/status/2020939491331146107)  2026-02-09T19:14Z 17K followers, [----] engagements


"And I am about to take a ride on my customized Unicorn to check out that land which is located on the Moon. JUST IN: Elon Musk to build city on the Moon JUST IN: Elon Musk to build city on the Moon"  
[X Link](https://x.com/UnicusResearch/status/2020956755816288490)  2026-02-09T20:23Z 17K followers, [----] engagements


"Ah well. In the Fed's pandemic-era Main Street Lending Program cumulative credit losses net of recoveries reached nearly $2 billion in [----]. ICYMI: Key insight: Main Street Loan Program borrowers say an uncompromising approach to troubled loans threatens to push viable companies into bankruptcy. Why it matters: A program that was intended to offer businesses a lifeline during the COVID-19 pandemic has led to the ICYMI: Key insight: Main Street Loan Program borrowers say an uncompromising approach to troubled loans threatens to push viable companies into bankruptcy. Why it matters: A program"  
[X Link](https://x.com/UnicusResearch/status/2020993159359037625)  2026-02-09T22:48Z 17K followers, [----] engagements


"Earnings tomorrow: Before the Open - $F - $NET - $HOOD After Close: - $SHOP - $HLT - $GNRC - $LAD - $PAG"  
[X Link](https://x.com/UnicusResearch/status/2021003377119773029)  2026-02-09T23:28Z 17K followers, [----] engagements


"🚨The expansion of lower K: Middle-class Americans are selling their plasma to make ends meet. Last year people in the U.S. made an estimated $4.7 billion selling their plasma. Donation centers are popping up in middle-class neighborhoods including suburban strip malls and college towns. https://www.nbcnews.com/news/us-news/americans-sell-plasma-inflation-middle-class-expenses-economy-rcna258390 https://www.nbcnews.com/news/us-news/americans-sell-plasma-inflation-middle-class-expenses-economy-rcna258390"  
[X Link](https://x.com/UnicusResearch/status/2022127206277738904)  2026-02-13T01:54Z 17.2K followers, [----] engagements


"My [--] yo Siamese drinks my scotch. My IT guy is setting up new computer from Dell. I ordered in June [----] and its finally here. Never ever order from Dell. Ever"  
[X Link](https://x.com/UnicusResearch/status/2022083653959135348)  2026-02-12T23:01Z 17.2K followers, [----] engagements


"@MarioNawfal To anyone who is interested. Stellantis: What the market missed what we flagged early and why the deterioration Isnt over: https://contrarianunicus.substack.com/p/stellantis-what-the-market-missed https://contrarianunicus.substack.com/p/stellantis-what-the-market-missed"  
[X Link](https://x.com/UnicusResearch/status/2022312790975721667)  2026-02-13T14:11Z 17.2K followers, [---] engagements


"$META: Five years ago Facebook shut down the facial recognition system for tagging people in photos on its social network saying it wanted to find the right balance for a technology that raises privacy and legal concerns. FARCE While everyone is distracted🧵"  
[X Link](https://x.com/UnicusResearch/status/2022330257538457783)  2026-02-13T15:21Z 17.2K followers, [----] engagements


"ICYMI: $F and $GM got approvals to become a bank. THIS IS BAD. They can accept deposits use the deposits to lend money. And get this almost all consumers whos coming to trade in has a negative equity of $20k. No banks wants to lend. So they became a bank. Oh my. what a cluster duck. https://twitter.com/i/web/status/2020290682565398567 https://twitter.com/i/web/status/2020290682565398567"  
[X Link](https://x.com/UnicusResearch/status/2020290682565398567)  2026-02-08T00:16Z 17.1K followers, [----] engagements


"BREAKING: $F reported of $45.9 billion a 5% decrease from the same period a year ago. - reported a net loss of $11.1 billion in the quarter; adjusted earnings before interest and taxes (EBIT) was $1.0 billion. - For full-year [----] revenue increased to a record $187.3 billion; the company reported a net loss of $8.2 billion and adjusted EBIT of $6.8 billion. - Adjusted free cash flow was negative $2.1 billion. At year end Ford had nearly $29 billion in cash and $50 billion in liquidity. https://twitter.com/i/web/status/2021331716435054620 https://twitter.com/i/web/status/2021331716435054620"  
[X Link](https://x.com/UnicusResearch/status/2021331716435054620)  2026-02-10T21:13Z 17.1K followers, [----] engagements


"🚨BREAKING: Archegos Capital Management founder Bill Hwang is seeking a presidential pardon for his conviction in a high-profile Wall Street fraud case over the collapse of his $36 billion family office which scorched banks and helped topple Credit Suisse Group AG. 🚩This is an insult to all all the investors who got defrauded. https://twitter.com/i/web/status/2014029081424064983 https://twitter.com/i/web/status/2014029081424064983"  
[X Link](https://x.com/UnicusResearch/status/2014029081424064983)  2026-01-21T17:35Z 17K followers, 33.1K engagements


"🚩The equity side feeds investors fantasy. The credit side forces investors to face the reality. Automating ABS trust surveillance across $CVNA $ALLY and other lenders is making one thing clear: credit is the catalyst. Link for access is below. If youre not analyzing loan performance youre not tracking reality. Youre trading narratives. https://twitter.com/i/web/status/2014159870174322789 https://twitter.com/i/web/status/2014159870174322789"  
[X Link](https://x.com/UnicusResearch/status/2014159870174322789)  2026-01-22T02:15Z 17K followers, 17K engagements


"🚩 A BlackRock private debt fund expects to mark down the net value of its net assets 19% after a string of troubled loans weighed on results. The opaqueness must scare investors. A BlackRock private debt fund expects to mark down the net value of its net assets 19% after a string of troubled loans weighed on results https://t.co/t34n12WRlb A BlackRock private debt fund expects to mark down the net value of its net assets 19% after a string of troubled loans weighed on results https://t.co/t34n12WRlb"  
[X Link](https://x.com/UnicusResearch/status/2014830668694298776)  2026-01-23T22:40Z 17.1K followers, 197K engagements


"10. We are in the process of automating this process. The build has been deliberate. We have two engineers and an ABS credit specialist with [--] years of experience"  
[X Link](https://x.com/UnicusResearch/status/2015525792780836927)  2026-01-25T20:42Z 17K followers, [---] engagements


"11. Where we are now: The full credit-side integration is complete for $CVNA and $ALLY. https://acrobat.adobe.com/id/urn:aaid:sc:US:0ea945bc-0526-4ce1-a901-87332c2a5092 https://acrobat.adobe.com/id/urn:aaid:sc:US:0ea945bc-0526-4ce1-a901-87332c2a5092"  
[X Link](https://x.com/UnicusResearch/status/2015525795104440556)  2026-01-25T20:42Z 17K followers, [---] engagements


"BREAKING: Apollo Global Management Inc. took a roughly $170 million hit after an asset-backed financing for Amazon brand aggregator Perch was wiped out. This is why our work on credit integration with equity and tracking cash flow is of critical importance. 🚨 PSA: Our goal has always been to generate short ideas backed by rigorous primary and fundamental research. We exist to remove blind spots and noise so clients can focus on what matters and monetize it. Were releasing a new product for clients to further reduce blind spots 🚨 PSA: Our goal has always been to generate short ideas backed"  
[X Link](https://x.com/UnicusResearch/status/2015885109631562222)  2026-01-26T20:30Z 17K followers, 45.3K engagements


"Were going to say the quiet part out loud. The goal of a short catalyst is to make money on the short side. The catalyst that was cited in Hindenburg and Gotham works if and when theres an enforcement against CVNA. With respect to $CVNA: the catalyst is on the ABS side which we are seeing. The question now becomes will CVNA abide by what the bond market is screaming And take a residual impairment Probably not. When that happens the ABS market shuts CVNA /bridgecrest/Ally out. Now that will have a negative impact to the stock. $JPM raising $CVNA target but cutting estimates ahead of earnings"  
[X Link](https://x.com/UnicusResearch/status/2016970313758572935)  2026-01-29T20:22Z 17K followers, 16K engagements


"🚨As we discussed with @realsteveeisman yesterday $LC's AI driven underwriting will kick many consumers out of credit access; and it is a lot better than $FICO. $LC's AI-driven underwriting modelcanpredict a consumers potential default rate [--] times better thanaFICO score. 🚨 BREAKING: $LC AI_driven underwriting model yields 40% fewer deliquencies. - Online lender reports over [--] AI initiatives underway. - In addition tounderwriting thelenderhas deployed AIfor: Fraud detection. Collections. Document verification. Marketing and Customer 🚨 BREAKING: $LC AI_driven underwriting model yields 40%"  
[X Link](https://x.com/UnicusResearch/status/2017338414551519733)  2026-01-30T20:45Z 17K followers, [----] engagements


"🚨 [----] private-label CMBS issuance rose about 21% to roughly $126B. SASB was nearly three-quarters of [----] private-label CMBS issuance (excluding CLOs) and office was nearly a quarter of the collateral. Article access below👇"  
[X Link](https://x.com/UnicusResearch/status/2017747376992051662)  2026-01-31T23:50Z 17.1K followers, 20.7K engagements


"🚩Credit is where the catalyst is: Cloudera Inc. loan fell by [--] cents on the dollar this week with loans tied to firms from Dayforce Inc. to Rocket Software Inc. also declining. European software firm Team. Blue and software-focused PE firm Thoma Bravos Conga have struggled to get new debt offerings. BREAKING: AI boom is triggering a loan meltdown for software companies. Crux: Software companies have seen their loan prices drop amid growing fear that advances in AI will leave many software products and services obsolete. Fear: A key fear is that AI will disrupt the BREAKING: AI boom is"  
[X Link](https://x.com/UnicusResearch/status/2017749765606330759)  2026-02-01T00:00Z 17.1K followers, 15K engagements


"🚨 Tired of hearing the hoopla about data-centers. Every era has a defining trade-off. Ours is simple: we want an electricity-hungry future AI electrification always-on everything without investing for the physical systems that make it possible. The unglamorous stuff that makes the whole system function is willfully IGNORED.👇 https://twitter.com/i/web/status/2018049329198444814 https://twitter.com/i/web/status/2018049329198444814"  
[X Link](https://x.com/UnicusResearch/status/2018049329198444814)  2026-02-01T19:50Z 17.1K followers, [----] engagements


"BREAKING: Say what now Im going to leave this here and tag: @m3_melody @SamanthaLaDuc @JG_Nuke and @VladTheInflator https://www.bloomberg.com/news/articles/2026-02-03/builders-push-trump-homes-to-win-backing-for-a-million-housessrnd=homepage-americas https://www.bloomberg.com/news/articles/2026-02-03/builders-push-trump-homes-to-win-backing-for-a-million-housessrnd=homepage-americas"  
[X Link](https://x.com/UnicusResearch/status/2018709045528474096)  2026-02-03T15:31Z 17K followers, 21.8K engagements


"Our thoughts on Private Credit issues on November 2025- citing the issues in BDC are systemic. Now Blackrock funded TCP Capital are found in the most safest retirement ETF: Target Dated Funds. We warned everyone. Private Credit in software is another nightmare. Our write up is coming today. https://x.com/unicusresearch/status/1990238574453965093s=46 Private Credit is blowing up. Ares -11% Blue Owl -10% Apollo -7% Blackstone -6%. https://t.co/PAuX4Bem5O https://x.com/unicusresearch/status/1990238574453965093s=46 Private Credit is blowing up. Ares -11% Blue Owl -10% Apollo -7% Blackstone -6%."  
[X Link](https://x.com/UnicusResearch/status/2018755910852833555)  2026-02-03T18:38Z 17.1K followers, [----] engagements


"🚩Our thoughts on Private Credit on November 2025- citing the issues in BDC are systemic. Now Blackrock funded TCP Capital are found in the most safest retirement ETF: Target Dated Funds. We warned everyone. Private Credit losses are just getting warmed up. 🚩Tricolor was not an "isolated" event. Neither are First Brands and Primalend. The issue is in Asset Backed Securities (loan health) Private credit: BDCs and PIKs. Blue owl hasnt blown up but OBDCs latest numbers show how PIK and the BDC wrapper interact. There is more🧵 https://t.co/9lsC2CIGDN 🚩Tricolor was not an "isolated" event."  
[X Link](https://x.com/UnicusResearch/status/2018756221839253986)  2026-02-03T18:39Z 17K followers, 46.3K engagements


"Private credit chaos is just getting warmed up. Next your 401Ks because PC might be in your TDFs. Private Credit Oh the humanity: https://t.co/7qeX6zqC9C Private Credit Oh the humanity: https://t.co/7qeX6zqC9C"  
[X Link](https://x.com/UnicusResearch/status/2018782772484255857)  2026-02-03T20:24Z 17K followers, 18.4K engagements


"🚨Software as a Shock: Why Private Credit is imploding. We dive in. The core issue is that private credit became a major lender to software buyouts just as the economics of many software models began to shift. But what is the real underlying reason though See below. 🚩Our thoughts on Private Credit on November 2025- citing the issues in BDC are systemic. Now Blackrock funded TCP Capital are found in the most safest retirement ETF: Target Dated Funds. We warned everyone. Private Credit losses are just getting warmed up. 🚩Our thoughts on Private Credit on November 2025- citing the issues in"  
[X Link](https://x.com/UnicusResearch/status/2018869345234170214)  2026-02-04T02:08Z 17K followers, 36.7K engagements


"Theyre falling down on auto loan as well. This is not good. Late-stage mortgage delinquencies increased 18.6% in December compared with a year earlier (Late-stage is defined as payments at least [--] days past due) https://t.co/fKh8vvExRD Late-stage mortgage delinquencies increased 18.6% in December compared with a year earlier (Late-stage is defined as payments at least [--] days past due) https://t.co/fKh8vvExRD"  
[X Link](https://x.com/UnicusResearch/status/2018876017642013113)  2026-02-04T02:35Z 17K followers, [----] engagements


"🚩 $KMX quietly shuns its 'no haggle pricing' and cuts prices as its customer base can't affor $28000 used car. $BOA extends [--] month financing. The problem is that lenders continue to "make the numbers work' will blow them up faster. "The higher the crappy originations the lower the defaults appear to be." Yup that is a strategy banks are following. Source is a lender. Pre-Market BREAKING: $BOA auto originations rose in the fourth quarter as the bank eyes expandingthe vehicles eligible for 84-month-term financing amid affordability concerns. When we originally launched the 84-month program"  
[X Link](https://x.com/UnicusResearch/status/2019028231106560289)  2026-02-04T12:40Z 17.1K followers, [----] engagements


"🚨ICYMI: $SAN announced yesterday that it's buying Connecticut-based $WBS in a cash-and-stock transaction valued at $12.3 billion. What's at stake: Santander which has been seeking low-cost deposits in the U.S. is poised to get a boost in that area by acquiring Webster which has a stable and diverse deposit base. Forward look: The deal is expected to close during the second half of [----]. https://www.americanbanker.com/news/banco-santander-inks-12-3b-deal-to-buy-webster-financial https://twitter.com/i/web/status/2019095782335332530"  
[X Link](https://x.com/UnicusResearch/status/2019095782335332530)  2026-02-04T17:08Z 17.1K followers, [----] engagements


"We dont know who needs to hear this- $OWL $KKR and $ARES are reporting tomorrow. 🚨Software as a Shock: Why Private Credit is imploding. We dive in. The core issue is that private credit became a major lender to software buyouts just as the economics of many software models began to shift. But what is the real underlying reason though See below. https://t.co/sl9AC8cqLq 🚨Software as a Shock: Why Private Credit is imploding. We dive in. The core issue is that private credit became a major lender to software buyouts just as the economics of many software models began to shift. But what is the"  
[X Link](https://x.com/UnicusResearch/status/2019126640383774959)  2026-02-04T19:11Z 17K followers, [----] engagements


"🚨ICYMI: Home equity slips to 4-year low as underwater loans rise. Nearly 45% of mortgaged homes are considered equity rich today compared to 25% in early [----]. This times 20.is what we are seeing in the ABS for car loans"  
[X Link](https://x.com/UnicusResearch/status/2019147696053875060)  2026-02-04T20:34Z 17.1K followers, [----] engagements


"BREAKING: As per our reports to our clients last month $STLA took a $26.5 B write offs in its EV pull back - today. We have been doing deep investigative research -including speaking with our sources - wholesalers dealers and others over the past few years. We have been recommending $STLA as a short when the stock was north of $20. https://www.reuters.com/business/automaker-stellantis-books-222-bln-euro-writedowns-h2-2025-ev-pullback-2026-02-06/ https://www.reuters.com/business/automaker-stellantis-books-222-bln-euro-writedowns-h2-2025-ev-pullback-2026-02-06/"  
[X Link](https://x.com/UnicusResearch/status/2019744243267387483)  2026-02-06T12:05Z 17.1K followers, [----] engagements


"Denial is strong with this one. $OWL Blue Owl says their software portfolio is "pristine" and has "largely green flags" Public markets disagree (-24% YTD 52-wk lows). 15% redemptions also disagree. But the marks agree. That's what matters. https://t.co/VN3nCbfoEF Blue Owl says their software portfolio is "pristine" and has "largely green flags" Public markets disagree (-24% YTD 52-wk lows). 15% redemptions also disagree. But the marks agree. That's what matters. https://t.co/VN3nCbfoEF"  
[X Link](https://x.com/UnicusResearch/status/2019793234596127090)  2026-02-06T15:20Z 17.1K followers, [----] engagements


"We spoke with @SchwabNetwork a week ago today that $STLA had to take billions in write-off and we explained why. https://schwabnetwork.com/video/reasons-to-short-autos-quality-customers-more https://schwabnetwork.com/video/reasons-to-short-autos-quality-customers-more"  
[X Link](https://x.com/UnicusResearch/status/2019816816890278164)  2026-02-06T16:53Z 17.1K followers, [----] engagements


"A very very bad idea. Unless $GS has its engineers to try test and modify to eliminate hallucinations. Or the reason to automate accounting and compliance is to blame AI for frauds -like willful crappy underwritings/trade $GS can't be that sinister now can it GOLDMAN SACHS $GS IS TAPPING ANTHROPICS AI MODEL TO AUTOMATE ACCOUNTING COMPLIANCE ROLES Embedded Anthropic engineers have spent six months at Goldman building autonomous systems for time-intensive high-volume back-office work - CNBC https://t.co/BcVwYUj301 GOLDMAN SACHS $GS IS TAPPING ANTHROPICS AI MODEL TO AUTOMATE ACCOUNTING"  
[X Link](https://x.com/UnicusResearch/status/2019932546717700582)  2026-02-07T00:33Z 17.1K followers, [----] engagements


"BREAKING: Apollo Global Management Inc. is teaming up with Schroders Plc to develop funds for wealth and pension clients in a strategic partnership. *There is nothing "strategic" about baiting retail investors for private credit exit liquidity. Mutual funds behemoth Capital Group partnered with KKR & Co. to launch vehicles for retail investors including a target-date fund for retirement plans. https://www.bloomberg.com/news/articles/2026-02-09/apollo-schroders-join-forces-to-sell-funds-to-wealthy-investors"  
[X Link](https://x.com/UnicusResearch/status/2020807254224650406)  2026-02-09T10:29Z 17.1K followers, [----] engagements


"🚨BREAKING: Eddie Bauer LLC operator of Eddie Bauer stores in the United States and Canada and a licensee of the Eddie Bauer brand announced that it has entered into a Restructuring Support Agreement (RSA) with the Retail Companys secured lenders and commenced voluntary chapter [--] cases in the United States Bankruptcy Court for the District of New Jersey (the Court). Even prior to the inception of Catalyst Brands last year the Retail Company was in a challenged situation with declining sales supply chain challenges and other issues. Over the past year these challenges have been exacerbated by"  
[X Link](https://x.com/UnicusResearch/status/2020856572130247113)  2026-02-09T13:45Z 17K followers, [----] engagements


"🚩 $GM and $F are a bank. The question everyone must ask is why they chose to be a bank. And why now Remember GMAC Yes it is happening again. See below:"  
[X Link](https://x.com/UnicusResearch/status/2020887928759554247)  2026-02-09T15:50Z 17.1K followers, [----] engagements


"We also lay out the honest question investors should be asking: is this a safer funding channel or the first step back toward the same structural conflict that made GMAC so dangerous in a downturn Be in the Know: https://contrarianunicus.substack.com/p/from-gmac-to-gm-financial-bank-same https://contrarianunicus.substack.com/p/from-gmac-to-gm-financial-bank-same"  
[X Link](https://x.com/UnicusResearch/status/2020887930403774871)  2026-02-09T15:50Z 17.1K followers, [----] engagements


"Federal Reserve and everyone in it are willfully blind to the reality. "we are seeing some signs of stress" FED'S MIRAN: WE ARE SEEING SOME SIGNS OF STRESS IN THE JOB MARKET FED'S MIRAN: WE ARE SEEING SOME SIGNS OF STRESS IN THE JOB MARKET"  
[X Link](https://x.com/UnicusResearch/status/2021002511575023735)  2026-02-09T23:25Z 17.1K followers, [----] engagements


"We could not join yesterday to discuss about $STLA. We have been following OEMs and dealerships for the past [--] years. In schwab network we discussed on why STLA had to take billions (our estimate was $20B)a week or so ago and then $STLA reported $26B in EV impairments. We expect more impairments for STLA. https://schwabnetwork.com/video/reasons-to-short-autos-quality-customers-more https://schwabnetwork.com/video/reasons-to-short-autos-quality-customers-more"  
[X Link](https://x.com/UnicusResearch/status/2021217280797900926)  2026-02-10T13:38Z 17.1K followers, [---] engagements


"🚨 PE firms are doubling down as they see "software disruption" as a buying opportunity. Leaders of publicly traded private-equity firms brushed off software market concerns and stressed their bulging deal pipelines and swollen piles of cash ready to invest during recent earnings reviews underlining their confidence in prospects for the year ahead. https://www.wsj.com/articles/buyout-firms-see-software-disruption-as-buying-opportunity-2716502bmod=private-equity_lead_story&tpl=pe"  
[X Link](https://x.com/UnicusResearch/status/2021330052408021434)  2026-02-10T21:06Z 17K followers, [----] engagements


"Here is the magic trick to find the reality. The real retail sales is -1.5% last three months annualized double that number that might be closer to the truth. So -3% Just so were clear - real retail sales is -1.5% last three months annualized. Jobs are negative. Service spending is also slowing and timely inflation reads are 1%. Its so obvious were in a recession it hurts. This will be borne out by late data revisions as always. Just so were clear - real retail sales is -1.5% last three months annualized. Jobs are negative. Service spending is also slowing and timely inflation reads are 1%."  
[X Link](https://x.com/UnicusResearch/status/2021550300512067619)  2026-02-11T11:42Z 17.1K followers, [----] engagements


"I cant take the hockey (Stanley cup) withdrawal anymore. A month is too long. They made fighting an auto ejection depriving us from another USA v Canada throw down. What a wasted opportunity. https://t.co/7D6RqM8HzF They made fighting an auto ejection depriving us from another USA v Canada throw down. What a wasted opportunity. https://t.co/7D6RqM8HzF"  
[X Link](https://x.com/UnicusResearch/status/2021611716358914334)  2026-02-11T15:46Z 17.1K followers, [----] engagements


"Whoa. whoa. whoa. EY an auditor is actually doing its job What the hell is going on EY FLAGS METAS DATA-CENTER ACCOUNTING AS HIGH RISK Metas auditor EY raised concerns over a $27 billion data-center deal moved off the companys balance sheet into a joint venture with Blue Owl. While EY approved the treatment it labeled it a critical audit matter EY FLAGS METAS DATA-CENTER ACCOUNTING AS HIGH RISK Metas auditor EY raised concerns over a $27 billion data-center deal moved off the companys balance sheet into a joint venture with Blue Owl. While EY approved the treatment it labeled it a critical"  
[X Link](https://x.com/UnicusResearch/status/2021658645524848824)  2026-02-11T18:52Z 17.1K followers, 11.4K engagements


"🚨BREAKING: $GM calls 'urgent' supplier meeting over First Brands exposure. This is Breaking News. $GM $F and other First Brands customers received court approval last week to fund a $48 million cash advance to keep some operations running. $F reports earnings today after the close. We continue to monitor the situation with First Brands closely and are working on contingency plans to avoid any potential interruption to our operations a GM spokesperson said in a statement. None of our operations have been affected."  
[X Link](https://x.com/UnicusResearch/status/2021313127271584201)  2026-02-10T19:59Z 17.1K followers, [----] engagements


"🚨 Auto loan Repossessions are blowing past the [----] numbers. A thread🧵"  
[X Link](https://x.com/anyuser/status/1796936912302670139)  2024-06-01T16:08Z 17.2K followers, 144.4K engagements


"🚨 Dealerships are quietly closing without warning OEMs are denying responsibility and customers are stuck paying for cars they do not have. Dealership bankruptcies have begun. Expect more in [----] - a thread🧵"  
[X Link](https://x.com/anyuser/status/1870560898185912630)  2024-12-21T20:04Z 17.2K followers, 247.9K engagements


"🚨 Banks 'extend and pretend' strategy has created systemic risks in CRE auto loans and credit cards. 🚩Banks now face growing risks of double defaults - not only on CRE but also on auto loans and credit cards in [----] and beyond.- a thread🧵"  
[X Link](https://x.com/anyuser/status/1874140723093922142)  2024-12-31T17:09Z 17.2K followers, 63.7K engagements


"🚨 We have begun to see default cracks in Commercial banks like $COF $ALLY $OZK and others. According to our sources a sizeable default is expected to be underway in one of the banks- a thread🧵"  
[X Link](https://x.com/anyuser/status/1874866620734341120)  2025-01-02T17:13Z 17.2K followers, 163.8K engagements


"🚨 The structural cracks in the U.S. auto loan ABS market are widening. The banks have begun the repos. process; not from the consumers but from the dealers. The [----] Structural collapse in underway from all directions: CRE auto and consumer credit - a thread🧵"  
[X Link](https://x.com/anyuser/status/1880025362547241198)  2025-01-16T22:52Z 17.2K followers, 77.5K engagements


"🚨 Canada announces C$155B ($107) tariff package. Here is what the package includes. - a thread🧵"  
[X Link](https://x.com/anyuser/status/1886037829660131473)  2025-02-02T13:03Z 17.2K followers, 153K engagements


"🚨 The student loan repayment resumption is expected to significantly shrink consumer credit availability for prime and subprime consumers. The [----] student loan forbearance and the upcoming reality shock for the consumer credit. - a detailed thread🧵"  
[X Link](https://x.com/anyuser/status/1915127920642699646)  2025-04-23T19:37Z 17.2K followers, 248.1K engagements


"🚨 Winter is here. We did not have [--] M Americans starving and Federal workers getting furloughed in our [----] BINGO card. - Roughly [------] federal workers are furloughed and [------] are working without pay. - The first full zero-pay dates began Oct [--] with more missed checks cascading Oct [----]. If the lapse runs to Dec [--] $21B in civilian wages would be withheld.🧵"  
[X Link](https://x.com/anyuser/status/1984418423032381449)  2025-11-01T00:33Z 17.2K followers, 111K engagements


"Now this BREAKING: Huntington Bancshares Incorporated to Acquire Cadence Bank. All the craps are merging to become too big of crap to ignore - FITB and CMA"  
[X Link](https://x.com/anyuser/status/1985338336181903828)  2025-11-03T13:28Z 17.2K followers, [----] engagements


"PSA: We hired someone just to keep up with the news that breaks when no one is looking (mostly weekends): @AfterHoursWire We are streamlining how we consume necessesary news in private credit autos bankruptcies and eveything in between. Our team member will be handling the account of @AfterHoursWire"  
[X Link](https://x.com/anyuser/status/2017276568196833724)  2026-01-30T16:39Z 17.2K followers, 13.1K engagements


"We feel morally inclined to respond to anything that begins with "Larry Fink has said." Fink is the reason public trust is eroding. Fink is relentlessly using retail investors as his exit liquidity. We would be surprised if Fink can spell EMPATHY let alone feel for the 99%. BlackRock's Larry Fink has said that global capitalism is eroding public trust as its gains have not been broadly shared and too many people feel left behind. BlackRock's Larry Fink has said that global capitalism is eroding public trust as its gains have not been broadly shared and too many people feel left behind"  
[X Link](https://x.com/UnicusResearch/status/2021601754542923879)  2026-02-11T15:06Z 17.2K followers, [----] engagements


"ICYMI after the close news: $UPST: The company CEO steps down. Key insight: Upstart is pivoting to secured loans like auto and home equity lines a move will compress profit margins in the near term. Supporting data: Upstart reported net income of $18.6 million for the fourth quarter swinging from a loss in the same period a year prior. Forward look: Incoming CEO Paul Gu said he is prioritizing market share in massive secured lending markets over immediate margin maximization. https://www.americanbanker.com/news/upstart-earnings-new-ceo"  
[X Link](https://x.com/UnicusResearch/status/2021946813813551235)  2026-02-12T13:57Z 17.2K followers, [----] engagements


"Anyone who thinks this is good is in for a rude awakening . MrBeast said he plans to launch a finance-focused YouTube channel explaining topics like investing and Roth IRAs - The Information https://t.co/3dSom3VAOz MrBeast said he plans to launch a finance-focused YouTube channel explaining topics like investing and Roth IRAs - The Information https://t.co/3dSom3VAOz"  
[X Link](https://x.com/UnicusResearch/status/2022039283822211354)  2026-02-12T20:05Z 17.2K followers, [----] engagements


"$ABNB's Reserve Now and Pay Later is the most grotesque strategy we have seen. Spike in last minute cancellation is a given"  
[X Link](https://x.com/UnicusResearch/status/2022056723423670551)  2026-02-12T21:14Z 17.2K followers, [----] engagements


"🚨 $STLA: What the market missed what we flagged early and why we expect more write offs from $STLA. On December [--] [----] in our report to our clients we shared our analysis on why we expect STLA to take a write off for $20B (we were off by $6B). On Feb. [--] STLA annouced a $26.5B. Here is our thought: see below. https://twitter.com/i/web/status/2022155318424158572 https://twitter.com/i/web/status/2022155318424158572"  
[X Link](https://x.com/UnicusResearch/status/2022155318424158572)  2026-02-13T03:46Z 17.2K followers, 17.5K engagements


"3. Meta considered adding facial recognition to the first version of its Ray-Ban smart glasses in [----] but pulled back over technical challenges and ethical concerns. It has renewed its efforts as the Trump administration has aligned closely with big tech companies and as Metas smart glasses have become an unexpected commercial success. https://twitter.com/i/web/status/2022330264697946314 https://twitter.com/i/web/status/2022330264697946314"  
[X Link](https://x.com/UnicusResearch/status/2022330264697946314)  2026-02-13T15:21Z 17.2K followers, [---] engagements


"4. So while we are busy being distracted people are tracking you in real time. Be int he Know: https://www.nytimes.com/2026/02/13/technology/meta-facial-recognition-smart-glasses.html https://www.nytimes.com/2026/02/13/technology/meta-facial-recognition-smart-glasses.html"  
[X Link](https://x.com/UnicusResearch/status/2022330266858226001)  2026-02-13T15:21Z 17.2K followers, [----] engagements


"Sadly this is going to be a norm. With data centers ramping up electricity costs will be passed on to the consumers. @UnicusResearch Im in the area of the ice storm that a few weeks ago. Ive seen so many people unable to pay their higher electric bills pay to get things repaired replace food lost. There are a lot of people asking on the facebook groups for money so their electric doesnt get turned off. @UnicusResearch Im in the area of the ice storm that a few weeks ago. Ive seen so many people unable to pay their higher electric bills pay to get things repaired replace food lost. There are a"  
[X Link](https://x.com/UnicusResearch/status/2022145181768986651)  2026-02-13T03:05Z 17.2K followers, [----] engagements


"We expect (based on our calculation) STLA to take more write offs this year. Be in the Know: https://contrarianunicus.substack.com/p/stellantis-what-the-market-missed https://contrarianunicus.substack.com/p/stellantis-what-the-market-missed"  
[X Link](https://x.com/UnicusResearch/status/2022155320144048354)  2026-02-13T03:46Z 17.2K followers, [----] engagements


"1. Five years ago Facebook shut down the facial recognition system for tagging people in photos on its social network saying it wanted to find the right balance for a technology that raises privacy and legal concerns"  
[X Link](https://x.com/UnicusResearch/status/2022330259597840564)  2026-02-13T15:21Z 17.2K followers, [---] engagements


"2. Now it wants to bring facial recognition back. In an internal memo last year Meta said the political tumult in the United States would distract critics from the features release. WAIT WHAT"  
[X Link](https://x.com/UnicusResearch/status/2022330262684868884)  2026-02-13T15:21Z 17.2K followers, [---] engagements


"BREAKING: Daniel Chu is in the house. The takeover of Tricolor Holdings assets and debts could cost $7 million to $7.5 million by yearend [----] backup servicer Vervent estimates. Former CEO Daniel Chu asks to dismiss trustee lawsuit against him. https://www.autofinancenews.net/allposts/risk-management/tricolor-update-transition-estimated-to-cost-up-to-7-5m/ https://www.autofinancenews.net/allposts/risk-management/tricolor-update-transition-estimated-to-cost-up-to-7-5m/"  
[X Link](https://x.com/UnicusResearch/status/2022498164142670246)  2026-02-14T02:28Z 17.2K followers, [----] engagements

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