# ![@Unknown_Capital Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::991255076.png) @Unknown_Capital Unknown Capital

Unknown Capital posts on X about $pypl, $chtr, growth, $5bn the most. They currently have [---] followers and [---] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: [--] [#](/creator/twitter::991255076/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::991255076/c:line/m:interactions.svg)

- [--] Week [---] -72%
- [--] Month [-----] -27%
- [--] Months [------] +61%
- [--] Year [------] +992%

### Mentions: [--] [#](/creator/twitter::991255076/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::991255076/c:line/m:posts_active.svg)

- [--] Week [--] -71%
- [--] Month [--] +5.90%
- [--] Months [--] +188%
- [--] Year [---] +137%

### Followers: [---] [#](/creator/twitter::991255076/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::991255076/c:line/m:followers.svg)

- [--] Week [---] no change
- [--] Month [---] +0.43%
- [--] Months [---] +49%
- [--] Year [---] +97%

### CreatorRank: undefined [#](/creator/twitter::991255076/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::991255076/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  [technology brands](/list/technology-brands)  [finance](/list/finance)  [cryptocurrencies](/list/cryptocurrencies)  [automotive brands](/list/automotive-brands)  [gaming](/list/gaming)  [products](/list/products)  [financial services](/list/financial-services)  [currencies](/list/currencies)  [countries](/list/countries) 

**Social topic influence**
[$pypl](/topic/$pypl), [$chtr](/topic/$chtr), [growth](/topic/growth), [$5bn](/topic/$5bn), [debt](/topic/debt), [$unh](/topic/$unh), [market cap](/topic/market-cap), [cash flow](/topic/cash-flow), [meta](/topic/meta), [step](/topic/step)

**Top accounts mentioned or mentioned by**
[@krossroads](/creator/undefined) [@stockmarketnerd](/creator/undefined) [@wearycenturion](/creator/undefined) [@acce](/creator/undefined) [@dividenddynasty](/creator/undefined) [@juanrodrig07](/creator/undefined) [@jevgenijs](/creator/undefined) [@tsohinvesting](/creator/undefined) [@investingbygenz](/creator/undefined) [@spike1567](/creator/undefined) [@couchinvestor](/creator/undefined) [@dustin051917](/creator/undefined) [@unhedgedchatter](/creator/undefined) [@datarade](/creator/undefined) [@ddblakefischer](/creator/undefined) [@jasongreenwal12](/creator/undefined) [@francoolivera](/creator/undefined) [@qualityinvest5](/creator/undefined) [@grok](/creator/undefined) [@xwallstx](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [Charter Communications Inc (CHTR)](/topic/$chtr) [UnitedHealth Group (UNH)](/topic/$unh) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Insperity, Inc (NSP)](/topic/$nsp) [Toyota Motor Corporation (TM)](/topic/$tm) [CVS Health Corp (CVS)](/topic/$cvs) [Metadium (META)](/topic/$meta) [AutoNation, Inc. (AN)](/topic/$an) [Booking Holdings Inc (BKNG)](/topic/$bkng) [Berkshire Hathaway Inc. (BRK.A)](/topic/$brka) [Berkshire Hathaway Inc Class B (BRK.B)](/topic/$brkb) [PayPal USD (PYUSD)](/topic/$pyusd) [AT&T Inc. (T)](/topic/$t) [Comcast Corporation (CMCSA)](/topic/$cmcsa) [NVIDIA Corp. (NVDA)](/topic/$nvda) [PoolTogether (POOL)](/topic/$pool) [Snowflake Inc. (SNOW)](/topic/$snow) [Microsoft Corp. (MSFT)](/topic/microsoft)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@ValueStockGeek Do you consider $CVS Less good recent growth (5 years) retail footprint and very attractive FCF yield. Aetna/Caremark/CVS is its 3-legged stool"  
[X Link](https://x.com/Unknown_Capital/status/1660588121929531394)  2023-05-22T10:07Z [--] followers, [--] engagements


"@DimitryNakhla Now do NTM growth rate vs [--] year mean growth. Then compare 10yr treasury rates over the same period"  
[X Link](https://x.com/Unknown_Capital/status/1714332642571595996)  2023-10-17T17:28Z [--] followers, [---] engagements


"@StockMarketNerd EPS is a terrible proxy for $META. Capex is significantly higher than D&A. Try EBITDA - CAPEX (unless you think cap intensity will fall to D&A levels) and be sure to back out stock comp + cash paid for employee stock exercise Think youll get roughly $8 Incredible biz fwiw"  
[X Link](https://x.com/Unknown_Capital/status/1734375677279740105)  2023-12-12T00:52Z [--] followers, [----] engagements


"@Kross_Roads Respect your rigor and calling out the guidance as flat on an apples to apples basis. Great work"  
[X Link](https://x.com/Unknown_Capital/status/1755394710921777574)  2024-02-08T00:54Z [--] followers, [----] engagements


"@StockMarketNerd Yeah. Youll see next quarter adj EPS will be more like the GAAP EPS because they will INCLUDE the expense which is currently excluded. Itll be like $4 of Adj EPS Your note suggested itll be more like $6.25 but the opposite is true"  
[X Link](https://x.com/Unknown_Capital/status/1755574731418247616)  2024-02-08T12:50Z [---] followers, [---] engagements


"@Kross_Roads @Dustin051917 @StockMarketNerd @acce They were not included in the $5.10. Youll see in the 1Q guide where FY [----] EPS will be much closer to the GAAP $3.6/share An expense (SBC) was EXCLUDED from the guide. When INCLUDED the updated guide will be lower. Thats why theyll update at 1Q with new guidance"  
[X Link](https://x.com/Unknown_Capital/status/1755946518769500262)  2024-02-09T13:27Z [---] followers, [--] engagements


"@Kross_Roads @StockMarketNerd Summary: despite revenue growth transaction dollar margin (gross margin) is flat. No growth. Opex will be up low single digits Share count will be down low single digits This is the sum total of the math for flat EPS y/y (excluding profits from sale of Happy Returns)"  
[X Link](https://x.com/Unknown_Capital/status/1755947577336295840)  2024-02-09T13:31Z [--] followers, [--] engagements


"@Kross_Roads @Dustin051917 @StockMarketNerd @acce Bump. For all those who struggled with the concept that excluding stock comp inflated EPS. Great to see $PYPL focus on real earnings with all costs of biz reflected"  
[X Link](https://x.com/Unknown_Capital/status/1785276630803349598)  2024-04-30T11:54Z [---] followers, [---] engagements


"@StockMarketNerd Bumping - you should adjust your next note for $PYPL. Will be a better metric than the FCF yield you use unless you adjust for stock comp"  
[X Link](https://x.com/Unknown_Capital/status/1785276907216334943)  2024-04-30T11:55Z [---] followers, [---] engagements


"@StockMarketNerd Rule #1 of Client Service: The customer is always right"  
[X Link](https://x.com/Unknown_Capital/status/1788337857116975419)  2024-05-08T22:39Z [---] followers, [----] engagements


"@patientinvestt $CVS"  
[X Link](https://x.com/Unknown_Capital/status/1814059473926750368)  2024-07-18T22:07Z [---] followers, [---] engagements


"@thexcapitalist Try substituting $meta capex for depreciation then re-run the multiple"  
[X Link](https://x.com/Unknown_Capital/status/1816181662834958665)  2024-07-24T18:40Z [---] followers, [--] engagements


"@Dillon_Valdez These businesses all became very capital intensive overnight unless capex ever dials back (why would it when you constantly need to refresh chips to stay ahead). Check out the red queen hypothesis (need to run faster just to stay in same place) https://en.m.wikipedia.org/wiki/Red_Queen_hypothesis https://en.m.wikipedia.org/wiki/Red_Queen_hypothesis"  
[X Link](https://x.com/Unknown_Capital/status/1816182443462033512)  2024-07-24T18:43Z [---] followers, [--] engagements


"@Kross_Roads I think your biz work is good and your thesis sound. If right why such a rush for higher prices The longer people are wrong the better for [--] key reasons: 1) more time to buy shares 2) more time for discount repurchases Why educate the foolish"  
[X Link](https://x.com/Unknown_Capital/status/1817638093253443793)  2024-07-28T19:07Z [---] followers, [--] engagements


"@StockMarketNerd I dunno mangreat revenue for sure. Business moat is tremendous. EPS is meaningless though. Capex to be up significantly in [----]. Unless you have a good reason to expect capex to revert the price / FCF relationship here is getting pretty stiff"  
[X Link](https://x.com/Unknown_Capital/status/1818744404611563876)  2024-07-31T20:23Z [---] followers, [---] engagements


"@StockMarketNerd I think the stock is a home run if you view the capex cycle as temporary. I havent really seen anything to suggest that ($NVDA market cap will get destroyed if true). Capex reversal is the second most important bet here (first important being 5+ year revenue growth CAGR)"  
[X Link](https://x.com/Unknown_Capital/status/1818758955277193503)  2024-07-31T21:21Z [---] followers, [---] engagements


"@Pregory1 @StockMarketNerd Agree with all that A few offsets in 2025+ [--] - incredible political environment for advertising (2025 headwind) [--] - price per ad going up (see @stratechery article on why this is bad counter-intuitively) [--] - hard to compound large numbers like this"  
[X Link](https://x.com/Unknown_Capital/status/1818762790867276060)  2024-07-31T21:36Z [---] followers, [--] engagements


"@SupBagholder Why the hell did they pay $6bn in taxes this quarter (Cash taxes. Income statement tax rate was a big driver for beat in addition to the obviously strong rev growth)"  
[X Link](https://x.com/Unknown_Capital/status/1818767944077410357)  2024-07-31T21:57Z [---] followers, [--] engagements


"@StockMarketNerd What do you nibble with In all seriousness after several years of investing (especially when paired with good returns) new savings tends to be small potatoes. Do you keep a cash balance or remain fully invested selling existing holdings for new buys"  
[X Link](https://x.com/Unknown_Capital/status/1819432704426873052)  2024-08-02T17:58Z [---] followers, [---] engagements


"@StockMarketNerd Of course. Just assumed you were a 100% invested guy but maybe that doesnt make sense given lifestyle. Good stuff"  
[X Link](https://x.com/Unknown_Capital/status/1819439435265475044)  2024-08-02T18:25Z [---] followers, [---] engagements


"@Kross_Roads @acce Id like to understand this better. Ive only put in a 6/10 effort but I dont yet follow how this is important"  
[X Link](https://x.com/Unknown_Capital/status/1823172059356410125)  2024-08-13T01:37Z [---] followers, [---] engagements


"@ritishkumar11 @EdgeCGroup PayPal has a net cash balance sheet. Maybe hes looking at debt versus book equity"  
[X Link](https://x.com/Unknown_Capital/status/1832171459932004756)  2024-09-06T21:38Z [---] followers, [---] engagements


"@UnHedgedChatter Do any of $GOOGL non-search businesses generate cash flow Feels like a significant nuance in this case. Imagine spinning reality labs off $META cor example (needs constant funding from ads biz)"  
[X Link](https://x.com/Unknown_Capital/status/1844192053774909673)  2024-10-10T01:43Z [---] followers, [---] engagements


"@UnHedgedChatter Pretty well familiar Your snip suggests spun off entities are sources of great returns (hi Greenblat). I mention nuances of the $GOOGL business that may not apply. You quote Munger on incentives 🧐🤷♂"  
[X Link](https://x.com/Unknown_Capital/status/1844362876393488756)  2024-10-10T13:02Z [---] followers, [---] engagements


"@charliebilello Math example why not incredible: 15% IRR for [--] years = 60x (note: above change in value)"  
[X Link](https://x.com/Unknown_Capital/status/1847393252896567609)  2024-10-18T21:44Z [---] followers, [--] engagements


"@StockMarketNerd $NSP 3% Small cap PEO biz. New relationship with $wday. Founder managed. Big TAM"  
[X Link](https://x.com/Unknown_Capital/status/1848394159050436737)  2024-10-21T16:01Z [---] followers, [---] engagements


"@DividendDude_X Earnings arent FCF. Look at capex v depreciation and decide if capex spend is 1x versus ongoing"  
[X Link](https://x.com/Unknown_Capital/status/1849148462853660986)  2024-10-23T17:58Z [---] followers, [---] engagements


"@DividendDynasty Take a look at $AN (AutoNation). Cannibal. Big ROICs. Bill / Melinda Gates + Eddie Lampert own 40%. Float tiny. 10% FCF yield with organic growth M&A tuck-ins and aggressive share repurchase"  
[X Link](https://x.com/Unknown_Capital/status/1849831336334458977)  2024-10-25T15:12Z [---] followers, [--] engagements


"@DividendDynasty Nice portfolio. I share $BKNG and $PYPL"  
[X Link](https://x.com/Unknown_Capital/status/1850948374419402978)  2024-10-28T17:10Z [---] followers, [--] engagements


"@derekquick1 Companies growing revenue low single-digits dont price 20x earnings The forward guide implies revenue growth will be much slower in Q4 and into 2025"  
[X Link](https://x.com/Unknown_Capital/status/1851278681131663838)  2024-10-29T15:03Z [---] followers, [---] engagements


"@Kross_Roads Thanks. Buffett definitely uses TBV but he will also include assessment of NIM and a view on underwriting quality. Dont forget there is a lot of management discretion with accounting for loss rates. If theyre groeing with low quality borrowers its something to monitor"  
[X Link](https://x.com/Unknown_Capital/status/1851679675313197227)  2024-10-30T17:36Z [---] followers, [--] engagements


"@DividendDynasty $V"  
[X Link](https://x.com/Unknown_Capital/status/1852333703772659787)  2024-11-01T12:55Z [---] followers, [--] engagements


"@jevgenijs Quite a bit faster than $PYPL"  
[X Link](https://x.com/Unknown_Capital/status/1854507114070511693)  2024-11-07T12:52Z [---] followers, [---] engagements


"@KobeissiLetter Would wager heavy that $POOL and $DPZ are Ted or Todd. Also this isnt back to buying as all these trades took place prior to 9/30"  
[X Link](https://x.com/Unknown_Capital/status/1857242897932046620)  2024-11-15T02:03Z [---] followers, [----] engagements


"@TSOH_Investing Yeah I think you put yourself in a tough spot where the price point needs to subsidize your donations. Respect the work you put in pulling this together. A very unBuffett-like execution thoughprobably minimizing proceeds via crushing volumes Youre charging 2x Almanac"  
[X Link](https://x.com/Unknown_Capital/status/1864741772305535126)  2024-12-05T18:40Z [---] followers, [--] engagements


"@nanalyzetweets Will be slower next year too. Trick is if growth revamps after [----] once they feel comfortable with profitability. Net Income growth will exceed revenue growth again next year"  
[X Link](https://x.com/Unknown_Capital/status/1865105670841995552)  2024-12-06T18:46Z [---] followers, [---] engagements


"@iancassel $pypl in [----] (possibly)"  
[X Link](https://x.com/Unknown_Capital/status/1867081506826621136)  2024-12-12T05:38Z [---] followers, [---] engagements


"@StockMarketNerd How do you think about $PYPL raising fees Curious if short term greedy long term moat shrink"  
[X Link](https://x.com/Unknown_Capital/status/1868167026180825149)  2024-12-15T05:31Z [---] followers, [--] engagements


"@FinFluentialx Careful not to overstate $PYPL is great value for quality and growth prospects but LTM FCF includes noise in Q4 [--] that wont be repeated FY [--] FCF will be closer to $6bn That number is inflated by nearly $1.5bn of SBC True owner earnings closer to $4.5bn ($4.5/share)"  
[X Link](https://x.com/Unknown_Capital/status/1869532262267850950)  2024-12-18T23:56Z [---] followers, [---] engagements


"$PYPL fear-mongering re: Honey is pretty funny 1) Sounds like Honey is doing the same thing as similar businesses 2) Its unclear to me whats wrong (morally) with the URL swap and it certainly doesnt seem illegal 3) Truly de minimis versus $PYPLs broader biz and scale"  
[X Link](https://x.com/Unknown_Capital/status/1871272599231307874)  2024-12-23T19:12Z [---] followers, [--] engagements


"@datarade You buying more $nsp these days at multi-year lows"  
[X Link](https://x.com/Unknown_Capital/status/1871273728002171075)  2024-12-23T19:16Z [---] followers, [--] engagements


"@datarade I wonder if this applies to $nsp today. Weak labor environment and $wday partnership weighing on near-term performance but they may be positioning for another ballistic multi-year inflection upwards"  
[X Link](https://x.com/Unknown_Capital/status/1871274305452912801)  2024-12-23T19:18Z [---] followers, [--] engagements


"@Kross_Roads Thesis completely unchanged. Wake us up in mid-2026 when we can tell of Braintree resumes revenue growth at profitable $TM and if PayPal Ads are gaining traction"  
[X Link](https://x.com/Unknown_Capital/status/1871281257168179628)  2024-12-23T19:46Z [---] followers, [---] engagements


"@Aella_Girl This is an overly simplistic point. Being in the top 5% of global income (revenue) is not same as top 5% in quality of life because cost of living. Just like $200k in NYC might be a lot worse than $150k in Nashville$150k in Thailand and youre unreasonably rich"  
[X Link](https://x.com/Unknown_Capital/status/1877839878005613010)  2025-01-10T22:08Z [---] followers, [--] engagements


"@TheTradingChamp They may begin soon not sure why $pypl ripping so high"  
[X Link](https://x.com/Unknown_Capital/status/1880296335917941213)  2025-01-17T16:49Z [---] followers, [---] engagements


"@Kross_Roads Love everything about this post. FCF - SBC is the way. Few get this. $PYPL is higher than SPX FCF & Earnings yield with higher growth prospects. Thats a nice formula for outperformance. Apple seems the opposite"  
[X Link](https://x.com/Unknown_Capital/status/1887837915197407558)  2025-02-07T12:16Z [---] followers, [---] engagements


"@jevgenijs I dont understand the strategy boost the overall ecosystem flywheel Lending is such low ROI Also arent these BNPL loans sold to KKR at a discount (no interest so only way to make money is sell below par) How does PayPal profit"  
[X Link](https://x.com/Unknown_Capital/status/1887838651264254049)  2025-02-07T12:19Z [---] followers, [---] engagements


"Question: Should $PYPL raise $10bn of 5-6% debt to do an accelerated share repurchase Below $80 seems like a unique opportunity for capital re-allocation @Kross_Roads @StockMarketNerd @acce @LingmerthStefan"  
[X Link](https://x.com/Unknown_Capital/status/1889423523925598381)  2025-02-11T21:17Z [---] followers, [----] engagements


"$brka $brkb Whens the last time Buffett paid for an acquisition with Berkshire stock"  
[X Link](https://x.com/Unknown_Capital/status/1894133217864614242)  2025-02-24T21:12Z [---] followers, [--] engagements


"@CapitalValor Cant just look at equity. Total biz value is less changed than it looks because of the debt stack debt servicing capacity also down quite a bit Nice thing about levered equities: if things improve stock goes to the moon Sad thing: easier path to $0"  
[X Link](https://x.com/Unknown_Capital/status/1904653432230994417)  2025-03-25T21:55Z [---] followers, [----] engagements


"@Kross_Roads 7mm - you need to look at the balance sheet for 3/31 share count (979mm). The 985mm on income statement is average share count"  
[X Link](https://x.com/Unknown_Capital/status/1918113172839645641)  2025-05-02T01:19Z [---] followers, [---] engagements


"@Kross_Roads Consider: The issuer will sell these when they perceive the stock price to be high 0% coupons with 40% premium happen woth some frequency in tech ($SNOW is a recent example) Andrew Dudum is a sharp guy. Hes funding operations off recent bullishness"  
[X Link](https://x.com/Unknown_Capital/status/1921226298409550330)  2025-05-10T15:30Z [---] followers, [---] engagements


"@benthompson Believe PayPals $pypl focus on agentic commerce AND stablecoins deserves some attention with respect to this. Curious how Ben would weigh PayPal vs Stripe strategy here @Kross_Roads @acce The Agentic Web and Original Sin Microsoft is putting forth compelling proposals for the Open Agentic Web. However the proposal needs digital payments which will be key to creating a new content marketplace for AI. https://t.co/hVzNp8IivD The Agentic Web and Original Sin Microsoft is putting forth compelling proposals for the Open Agentic Web. However the proposal needs digital payments which"  
[X Link](https://x.com/Unknown_Capital/status/1925223973077627071)  2025-05-21T16:15Z [---] followers, [---] engagements


"Quick board membership tenure for Mr. Witty at $UNH Does not feel particularly amicable"  
[X Link](https://x.com/Unknown_Capital/status/1925290970566037875)  2025-05-21T20:41Z [---] followers, [----] engagements


"@Kross_Roads Wow will soon exceed PayPals market cap"  
[X Link](https://x.com/Unknown_Capital/status/1929959594102796754)  2025-06-03T17:53Z [---] followers, [---] engagements


"@StockMarketNerd $PYPL $UNH and $CHTR"  
[X Link](https://x.com/Unknown_Capital/status/1932479617996345362)  2025-06-10T16:46Z [---] followers, [---] engagements


"I agree and am invested in $UNH. I think its a terrific opportunity over next 2-3 years. However JPM raised its proce target sue to changing its multiple off 2026E (previously 2025E). They actually further reduced their EPS expectations for both years. Lisa Gill is also not a particularly great analyst IMO. She is often too bullish (e.g. $CVS) and suffers sunk costs"  
[X Link](https://x.com/Unknown_Capital/status/1936952285164437552)  2025-06-23T00:59Z [---] followers, [---] engagements


"@acce Very impressive cadence of front-footed initiatives. This seems like a terrific acquisition channel - get these young guns benefitting from the $PYPL ecosystem"  
[X Link](https://x.com/Unknown_Capital/status/1938211370530705827)  2025-06-26T12:22Z [---] followers, [---] engagements


"@cimmerian_v LMAO. Show me a $1.5mm huge house in the Bay Area"  
[X Link](https://x.com/Unknown_Capital/status/1942359856226394599)  2025-07-07T23:07Z [---] followers, 28.8K engagements


"@gofallingknife @jamesellisz I agree. Though real risk they guide something like $18 for [----] and defer on [----] due to continued uncertainty. I hope numbers are strong and confidence is better July 29but investing is hard and we might have our patience tried a good while longer (pain trade may be longer)"  
[X Link](https://x.com/Unknown_Capital/status/1943433581877178582)  2025-07-10T22:14Z [---] followers, [--] engagements


"A nice $PYPL advertising update explanation below 🧵 https://transform.omg.com/leadership-and-impact/omnicom-strikes-partnerships-with-paypal-and-x-as-its-live-blitz-at-cannes-lions-continues/ https://transform.omg.com/leadership-and-impact/omnicom-strikes-partnerships-with-paypal-and-x-as-its-live-blitz-at-cannes-lions-continues/"  
[X Link](https://x.com/Unknown_Capital/status/1943649380554486032)  2025-07-11T12:31Z [---] followers, [--] engagements


"🔍 Whats Actually Happening Omnicom is integrating PayPals cross-merchant purchase data into its CTV (Connected TV) ad buying strategies via: Supply-side platforms (SSPs) like Magnite and Pubmatic Curated inventory paths (i.e. pre-negotiated higher-quality ad slots) Transactional audience overlays Omnicom clients can target based on real purchase behavior not just proxies like demographics or intent This is first-party commerce data as an ad targeting engine a move traditionally associated with Amazon Meta or Google. 💡 What This Means Strategically ✅ [--]. Real Monetization of PayPals Data Moat"  
[X Link](https://x.com/Unknown_Capital/status/1943649606300250237)  2025-07-11T12:32Z [---] followers, [--] engagements


"@StockMarketNerd Thats excellent. Different from $DAL which spoke more specifically to the high end consumer. Should be very good for payments including left-for-dead $PYPL"  
[X Link](https://x.com/Unknown_Capital/status/1945169474954428873)  2025-07-15T17:11Z [---] followers, [---] engagements


"PayPals $PYPL moat is exceptional. The aggression with which theyre persuing these stable coin / broader commerce partnerships is awesome and its gery consistent with @acce looking to broaden the platforms relevance to all of commerce Agree with your point: huge deal for these chains when announced High signal from this. Stock may be stuck until 2026but I think theyre building aggressively in a way well he very happy about in 2+ years Truly unique long-term compounding opportunity today"  
[X Link](https://x.com/Unknown_Capital/status/1945520076972757377)  2025-07-16T16:25Z [---] followers, [---] engagements


"@Kross_Roads What do you make of all these PYUSD headlines without any increase in PYUSD market cap"  
[X Link](https://x.com/Unknown_Capital/status/1945933888515137790)  2025-07-17T19:49Z [---] followers, [--] engagements


"@Kross_Roads Interesting. Thats helpful color"  
[X Link](https://x.com/Unknown_Capital/status/1945947054074658906)  2025-07-17T20:41Z [---] followers, [--] engagements


"@Kross_Roads Would love to see an announcement about some specific work on MCP. Know GOOGL AMZN and MSFT were all taking a close look back in April. Would be a huge win for PayPal (and agentic commerce broadly) from April https://newsroom.paypal-corp.com/2025-04-29-PayPal-Brings-Together-Developers-AI-Leaders-to-Power-Agentic-Commerce-at-Dev-Days https://newsroom.paypal-corp.com/2025-04-29-PayPal-Brings-Together-Developers-AI-Leaders-to-Power-Agentic-Commerce-at-Dev-Days"  
[X Link](https://x.com/Unknown_Capital/status/1948199190020124839)  2025-07-24T01:50Z [---] followers, [---] engagements


"@jevgenijs Why would Fiservs growth potential be faster than PayPals In my head it should be opposite"  
[X Link](https://x.com/Unknown_Capital/status/1952767886725873783)  2025-08-05T16:25Z [---] followers, [---] engagements


"@KoyfinCharts PayPal really doesnt need incremental capitsl to grow so its free cash flow is truly free after investing in R&D (product) and sales/marketing. It can grow while also using cash flows to return to shareholders similar to other great businesses like Visa Intuit Moodys etc"  
[X Link](https://x.com/Unknown_Capital/status/1952768424855150949)  2025-08-05T16:27Z [---] followers, [--] engagements


"@weary_centurion Those numbers still require a $200+ billion market cap which is asking a lot for a company with $5bn of net income. Growth needs to accelerate for that to happen"  
[X Link](https://x.com/Unknown_Capital/status/1953796712465936450)  2025-08-08T12:33Z [---] followers, [---] engagements


"@weary_centurion I agree. 7% income CAGR gets you there in [--] years. Only pointing out that buybacks are part of the story but insufficient in isolation. If you want a buyback-only story. Look at $chtr Buyback now 12-15% yield and growing"  
[X Link](https://x.com/Unknown_Capital/status/1953801710578618639)  2025-08-08T12:53Z [---] followers, [---] engagements


"@odysseusito Venmo is hoping to get to $2bn of revenue by [----]. While revenue grew +20% last quarter it is far from 20% of PayPals total revenue (over $30bn today)"  
[X Link](https://x.com/Unknown_Capital/status/1955316812415140239)  2025-08-12T17:13Z [---] followers, [--] engagements


"@ContrarianCurse Pretty good examples today are $UNH and $PYPL. Also $META was a solid recent example"  
[X Link](https://x.com/Unknown_Capital/status/1959417759533789221)  2025-08-24T00:49Z [---] followers, [---] engagements


"$PYPL will absolutely smash from here. 7-8% earnings yield with net income poised to grow 7-10% for years to come is a set up for violence Moat is totally underappreciated and growth about to accelerate with Braintree resuming growth Venmo/omni compounding and free options from advertising + agentic integrations. Leadership is exceptional but think performance from here woukd be great even without @acce laudible effort + vision Look out above rocketship approachung escape velocity 🚀 📈 🚀"  
[X Link](https://x.com/Unknown_Capital/status/1961127125756645520)  2025-08-28T18:01Z [---] followers, [---] engagements


"Reasons $CHTR not a long: 1) fixed wireless TAM continues to grow over and above the 20mm expected cap; 2) fiber build continues regardless of economics encroaching into Charters markets with a better high-end product Basically: pinched at the bottom (FWA) and top (fiber) left stuck in the muddled middle causing pricing declines volume declines and a vicious spiral in a heavily levered name Personally: I expect stability overall and this ends up a screaming buy. But theres the bear case Long $chtr"  
[X Link](https://x.com/Unknown_Capital/status/1963367293985136875)  2025-09-03T22:23Z [---] followers, [--] engagements


"Yep delevering will happen to 3.75x (lower target). To model you just use levered cash flow reducing shares by whatever price/share you guess. Ive been using 10% FCF yield though its gone higher. Its very relevant to the compounding equity as shares go from 150-160mm down toward 100mm. Otherwise youre not crediting annual cash generation which is now a very significant part of $CHTR DCF (versus normal situations where terminal value carries more weight)"  
[X Link](https://x.com/Unknown_Capital/status/1964828484121014398)  2025-09-07T23:09Z [---] followers, [--] engagements


"@weary_centurion Must offset by stock comp (1-1.5bn). Otherwise apples v oranges Theres a reason net income is only $5bn"  
[X Link](https://x.com/Unknown_Capital/status/1965910339775852996)  2025-09-10T22:48Z [---] followers, [--] engagements


"@investingbyGenZ @TheMiniCapital Seems fair to reason this is a miss though. ChatGPT is the runaway consumer favorite so the lack of a partnership there is somewhat concerning given $PYPL stated goals Would certainly trade ChatGPT for Perplexity any day"  
[X Link](https://x.com/Unknown_Capital/status/1972780070822699045)  2025-09-29T21:46Z [---] followers, [---] engagements


"@Fin_Eng_Net @liolbl @finchat_io Your point is on the mark but percentage off. FCF was +$6bn and SBC $1.2bn with this ratio expected to fall further in [--]. Even net of SBC FCF to equity is 6%"  
[X Link](https://x.com/Unknown_Capital/status/1888785813498126461)  2025-02-10T03:03Z [---] followers, [--] engagements


"$brka $brkb I miss the old days of hearty meat and potatoes wisdom. Losing Buffett leaves a major void Inspiring what he can do into his 90s but its very different"  
[X Link](https://x.com/Unknown_Capital/status/1893794781194502478)  2025-02-23T22:47Z [---] followers, [--] engagements


"@gurgavin Same article: US shoppers spent $7.9bn online wctoss all retailers on Tuesday up 9.9% from July [--] [----] last years first day of Prime Day Bullish $pypl https://www.cnbc.com/2025/07/09/prime-day-sales.html https://www.cnbc.com/2025/07/09/prime-day-sales.html"  
[X Link](https://x.com/Unknown_Capital/status/1943032867459862967)  2025-07-09T19:41Z [---] followers, [---] engagements


"Need to back out stock comp if getting cute about FCF. Earnings of $5.25 is a decent proxy for real cash flow here. Yield +7% is insane for quality/organic trends here (+7% $TM growth before OPEX leverage results in net income approaching +10%) Just think its excellent already without overstating cash available to shareholders https://twitter.com/i/web/status/1963668899704291536 https://twitter.com/i/web/status/1963668899704291536"  
[X Link](https://x.com/Unknown_Capital/status/1963668899704291536)  2025-09-04T18:22Z [---] followers, [--] engagements


"$PYPL PYUSD is now $1.78bn market cap pretty meaningful jumps in the past few days. This matters beyond the marginal float income: 1) Higher ranking (#60 now) = more liquidity/endpoints easier on/off-ramps higher velocity. 2) True needle-mover is on-platform usage (Checkout/Braintree funding Hyperwallet/Xoom legs)"  
[X Link](https://x.com/Unknown_Capital/status/1971028917579547088)  2025-09-25T01:48Z [---] followers, [---] engagements


"@JuanRodrig07 People sleep on the fact that 40% of $PYPL biz is international overly focused on US-oriented trends A more exaggerated version is $bkng where 80% of revenue is international but people have occasionally lasrted in on US-based leisure trends"  
[X Link](https://x.com/Unknown_Capital/status/1979558956294168819)  2025-10-18T14:43Z [---] followers, [---] engagements


"@weary_centurion You forget: PayPal is a dead declining biz. Dead dead dead. Nothing happening. No growth. Over"  
[X Link](https://x.com/Unknown_Capital/status/1980333694171885844)  2025-10-20T18:02Z [---] followers, [---] engagements


"@DDBlakeFischer @JasonGreenwal12 EBITDA $23bn Capex: $11bn LTM (going to $8) $12bn pre tax 8-9bn post tax (unlevered) Run Rate EBITDA: $23bn Interest: $5bn Capex: $9bn $9bn pre tax $6-7bn post tax (levered v $35bn marker cap) Any stability = FCF vulcano"  
[X Link](https://x.com/Unknown_Capital/status/1981692627918688558)  2025-10-24T12:01Z [---] followers, [---] engagements


"@DDBlakeFischer @JasonGreenwal12 Need to add back $5bn of interest if looking at full firm Otherwise comparing FCFE to EV rather than FCFF If equity compare $3bn to mkt cap Either way missing $3bn capex decline. Effectively using levered FCF versus entire biz value"  
[X Link](https://x.com/Unknown_Capital/status/1981753837200474381)  2025-10-24T16:05Z [---] followers, [--] engagements


"@weary_centurion 941mm shares (must look at balance sheet). Income statement shows AVERAGE shares"  
[X Link](https://x.com/Unknown_Capital/status/1983188956750725217)  2025-10-28T15:07Z [---] followers, [---] engagements


"$UNH Stock traded down to $240 when [----] EPS guided to at least $16 with growth in [----] Stock is at $360 when [----] EPS guided to at least $16.25 with growth in [----] (call affirmed analysts in the $17-18 range for 2026) Markets are violent. Facts are nearly identical but the sentiment different is very different (thanks partly to Berkshire + Appaloosa)"  
[X Link](https://x.com/Unknown_Capital/status/1983216432843554960)  2025-10-28T16:56Z [---] followers, [---] engagements


"@Spike_1567 Thanks spike. In this case I dont agree. The biggest bridge is amortization of intangibles which I dont view as decaying over time and are non-cash expenses"  
[X Link](https://x.com/Unknown_Capital/status/1983496356338471280)  2025-10-29T11:29Z [---] followers, [--] engagements


"$CHTR Not a good quarter for broadband (+100k customer losses). But overall connectivity revenue / EBITDA up with mobile as a growing contributor. Advertising huge headwind YoY (lower political spend) $5bn of FCF going to $9bn for a $30bn market cap Seems good skew"  
[X Link](https://x.com/Unknown_Capital/status/1984227005529985313)  2025-10-31T11:52Z [---] followers, [---] engagements


"@CarsonTalkMoney If that excites you consider dabbling in some $CHTR (repurchased 5% last quarter)"  
[X Link](https://x.com/Unknown_Capital/status/1986081771541410089)  2025-11-05T14:42Z [---] followers, [---] engagements


"Nice to see $PYPL app improvement: my auto balance reload was available instantly (previously took 4-5 biz days)"  
[X Link](https://x.com/anyuser/status/1987252593861816802)  2025-11-08T20:15Z [---] followers, [---] engagements


"@TSOH_Investing @FrancoOlivera I agree the set up today allows for exceptional equity returns. Comes with great risk. But the upside here is undeniable. If the business stabilizes (focusing on $CHTR) the pro forma 20-30% FCF yield is incredible as a coiled spring"  
[X Link](https://x.com/Unknown_Capital/status/1987926591121617356)  2025-11-10T16:53Z [---] followers, [---] engagements


"Great to see their effort. Im mildly concerned that these rewards rates are unsustainable and show chinks in their ability to continue to grow $TM profitably. I still think its a great buy here but the lack of account groth last quarter was a bit telling ($PYPLA branded shed accounts less Venmo growth) Hopefully not a revamp of the empty calories prior management sought back in the [----] period"  
[X Link](https://x.com/Unknown_Capital/status/1987955914872418339)  2025-11-10T18:49Z [---] followers, [--] engagements


"@gekkoadvisors @TSOH_Investing @FrancoOlivera Agree. This year EBITDA trend is positive DESPITE worse than expected broadband subscriber trends (should be improved next year) and a huge advertising headwind (gone). Also dont need growth for the stock to work here just stability"  
[X Link](https://x.com/Unknown_Capital/status/1988001208863486014)  2025-11-10T21:49Z [---] followers, [--] engagements


"Agree. The scary part today is the extremity of the levered equity. Thats the real source of downside. This biz isnt going anywhere but small changes in EBITDA/trend have significant equity impact. FWA is about 15mm customers today hard to get much more than 20mm. Call it 25mm and youre well past 50% of the competitive intensity here. FTTH economics are atrocious today sub 5% ROICs in some markets. Plans are set until 2027-2028 and this is the longer-term battle field but I do believe this pressure will slow. Wireless carriers (especially VZ and TMUS) engaging in a price war may further"  
[X Link](https://x.com/Unknown_Capital/status/1988009973490872679)  2025-11-10T22:24Z [---] followers, [--] engagements


"I pray its irrelevant for several years until the equity runs its course to full value would hate to get called out at the lows Not sure otherwise. Convergence is real and would think wireless players want the scaled wireline exposure but TMUS has talked it down and VZ seems mid shift (new CEO has a pretty mixed legacy from his PYPL days)"  
[X Link](https://x.com/Unknown_Capital/status/1988028936471896313)  2025-11-10T23:40Z [---] followers, [--] engagements


"$PYUSD took another step higher today clearing $3.1bn. Im not sure much happens with this stablecoin in their broader transactions or even cross border but increasing relevance is an important first step"  
[X Link](https://x.com/anyuser/status/1988043841384206746)  2025-11-11T00:39Z [---] followers, [----] engagements


"This is aimed at guest checkout like Fastlane rather than core branded $PYPL button checkout. The goal here is to eliminate manual card payments. Similar with Google Pay Apple Pay Stripe Link Shop Pay PayPal wallet value prop: consumer trust/brand buyer & seller protections dispute management alternative funding (bank/balance rewards Pay in 4/PayPal Credit) Venmo privacy controls cross-border flexibility"  
[X Link](https://x.com/Unknown_Capital/status/1988393304812351949)  2025-11-11T23:48Z [---] followers, [---] engagements


"@QualityInvest5 Careful out there. Take a look at trailing 12mo FCF yield for names like $SNBR and $MED (back in 2022) for what can happen to fad-based high fliers"  
[X Link](https://x.com/Unknown_Capital/status/1988408603938898255)  2025-11-12T00:48Z [---] followers, [---] engagements


"@investingbyGenZ @Couch_Investor @weary_centurion @JuanRodrig07 @Kross_Roads @DividendDynasty It is a legitimate wallet threat. They own 1.5bn iPhone users and have enormous brand loyalty and trust. Their right to win is legitimate. Apple Pay is enormous in store and growing online Im bullish $PYPL but it is irrational to dismiss Apple as a relevant player in wallets"  
[X Link](https://x.com/Unknown_Capital/status/1988645459926409412)  2025-11-12T16:29Z [---] followers, [---] engagements


"@weary_centurion @investingbyGenZ @Couch_Investor @JuanRodrig07 @Kross_Roads @DividendDynasty @acce Heres what Im referring to which specifically points to the gap between branded and e-commerce implying relative pressure"  
[X Link](https://x.com/Unknown_Capital/status/1988669455057186975)  2025-11-12T18:05Z [---] followers, [--] engagements


"@Kross_Roads @mccdmatthew Whats your view on the areas of inflection Branded was guided to slower growth. Braintree Venmo and BNPL should otherwise help revenue. Ads continues to be undisclosed"  
[X Link](https://x.com/Unknown_Capital/status/1989173027796603042)  2025-11-14T03:26Z [---] followers, [--] engagements


"$PYPL announced a new $5bn cp facility. Maybe well be seeing some accelerated share repurchases after all I sure hope so"  
[X Link](https://x.com/anyuser/status/1989451575677653355)  2025-11-14T21:53Z [---] followers, 11.3K engagements


"Some takeaways from JPMs recent meetings with PayPal $pypl 1) Persistent macro pressure (sad) 2) Consistent customer growth (happy) 3) Positive TMD growth in [----] despite investments 4) High conviction in BNPL + Agentic"  
[X Link](https://x.com/anyuser/status/1989455359707369580)  2025-11-14T22:08Z [---] followers, 11.2K engagements


"@Spike_1567 @JuanRodrig07 @weary_centurion @BreakingPeaks1 @acce Cant think of any other cash needs unless M&A (please no)"  
[X Link](https://x.com/Unknown_Capital/status/1989455512388472849)  2025-11-14T22:08Z [---] followers, [--] engagements


"@xxdolorosa @grok Overweight Neutral Underweight is their rec ranking"  
[X Link](https://x.com/Unknown_Capital/status/1989529409750274396)  2025-11-15T03:02Z [---] followers, [---] engagements


"$pypl Recommended reading for those looking to make the case PayPal is dead Hint: Mark Twain https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/ https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/"  
[X Link](https://x.com/anyuser/status/1989697363116515562)  2025-11-15T14:09Z [---] followers, [----] engagements


"Good post. Agree silence on ads in particular is very disappointing. Given pace of PayPal Open (only 20%) it seems very reasonable to interpret as a slow rollout. Too early to declare failure but silence is deafening It also makes their flurry of weekly announcements look more noise heavy than substance"  
[X Link](https://x.com/Unknown_Capital/status/1991268444910809412)  2025-11-19T22:12Z [---] followers, [---] engagements


"$PYPL Citis research note summarizing yesterdays discussion with Alex Chriss Bullish BNPL Venmo and PSP. Cautious consumer + branded"  
[X Link](https://x.com/anyuser/status/1991511142137753993)  2025-11-20T14:17Z [---] followers, [----] engagements


"@xwallstx @clackbat No need to announce anything. Guidance isnt a commitment. Theres nothing to upsize other than their repurchase authorization ($15bn remaining) so they have a ton of ability subject to existing cash + FCF to accelerate their program if they view price as attractive"  
[X Link](https://x.com/Unknown_Capital/status/1991593930123800996)  2025-11-20T19:46Z [---] followers, [--] engagements


"Im quite happy with his performance overall. Hes taken EPS from $4 to $5 in [--] years. Reaccelerated $ TM growth. Bought back a ton of sharws at reasonable prices. Only flag is the dividend - poor use of capital but small Would like to see front footed capital allocation today re buybacks"  
[X Link](https://x.com/Unknown_Capital/status/1991618889399296176)  2025-11-20T21:25Z [---] followers, [---] engagements


"@weary_centurion Yep. Amateur hour"  
[X Link](https://x.com/Unknown_Capital/status/1991936952854303170)  2025-11-21T18:29Z [---] followers, [--] engagements


"Todays equity market values growth above all other variables. Recommend investors keep this in mind when: 1) Questioning extreme price movement: Has the market received a reason to revise long-run growth expectations up or down 2) Considering where to zig when others zag: Where is value most ignored"  
[X Link](https://x.com/anyuser/status/1991970261399450063)  2025-11-21T20:41Z [---] followers, [---] engagements


"@weary_centurion What incredible chart is this Amazing you held up so well with a 100% position-15% post earnings"  
[X Link](https://x.com/Unknown_Capital/status/1998507338819572201)  2025-12-09T21:37Z [---] followers, [---] engagements


"@weary_centurion Very nice Hardly a blip"  
[X Link](https://x.com/Unknown_Capital/status/1998533981999128874)  2025-12-09T23:23Z [---] followers, [--] engagements


"Maybe. Seems consensus view and less true at $60 than $70 or $80 Assuming [---] average shares in [----] & keeping net income flat at $5200mm = $5.91/share Markets are increasingly punishing low growth companies beyond what a DCF would price Running 9-10% standing still on PayPal with no value on growth options is ok with me"  
[X Link](https://x.com/Unknown_Capital/status/2003152749740065058)  2025-12-22T17:16Z [---] followers, [--] engagements


"@xwallstx @acce Best case scenario / overly optimistic: $PYPL management is saying f it pressing ahead with biz initiatives and aggressively repurchasing shares from weak hands at low prices Seems too optimistic but that would be the ruthlessly confident value adding decision"  
[X Link](https://x.com/Unknown_Capital/status/2004942448351748530)  2025-12-27T15:48Z [---] followers, [---] engagements


"Re listening to $PYPL Jamie Miller speaking at a recent conference serious case of shooting the messenger by the market in my opinion. I dont think she said anything out of line and I like that shes no nonsense truth telling. Tell me the bad news first good news takes care of itself. I find her credible and brave. If this leads people to sell next step is repurchasing those shares from ST-oriented holders https://twitter.com/i/web/status/2005332855317225656 https://twitter.com/i/web/status/2005332855317225656"  
[X Link](https://x.com/anyuser/status/2005332855317225656)  2025-12-28T17:39Z [---] followers, [---] engagements


"@Spike_1567 Doesnt bother me. Split-rated IG/HY with 6% cost of debt. Its a risk but Im comfortable with it. Your boys at $four have more expensive debt fwiw"  
[X Link](https://x.com/Unknown_Capital/status/2005390066550747246)  2025-12-28T21:27Z [---] followers, [---] engagements


"CEO is fairly young and likely doesnt have much wealth outside PayPal relatively speaking. If he has a financial advisor hes likely advised against purchasing more. I expect his stok position is the majority of his net worth. Like you I would also like to see purchases; however it would be pure signal. I didnt really love the dividend and dont want to see more signs of signaling to shareholders. I believe hes locked in and focused on making the business great https://twitter.com/i/web/status/2006164020081119341 https://twitter.com/i/web/status/2006164020081119341"  
[X Link](https://x.com/Unknown_Capital/status/2006164020081119341)  2025-12-31T00:42Z [---] followers, [---] engagements


"Do you really feel a lot has changed They had a way stronger [----] than expected. Some headwinds showed up in September and they index for a less wealthy demographic. They also seem very candid and focused on setting low expectations (I like this) Maybe one knock is the slower rollout of branded experiences but that is transient & the actual uplift to merchant volumes is backed by data Im frankly happy to see them stfu with random update noise and focus on what they should: 1) Modern checkout 2) Venmo 3) Omni 4) BNPL Agentic is a free option but I think overhyped today"  
[X Link](https://x.com/Unknown_Capital/status/2006422968063373730)  2025-12-31T17:51Z [---] followers, [---] engagements


"$PYPL and $CHTR are really detested today. I see very minimal operational missteps. In many cases they have outperformed guidance. Price drives narrative and the stock performance for each has been dreadful Feeling very good about 3+ year return profile for each at this point. Hard to find better skew downside to each is well protected by strength of scale/ profits while each could nearly double before reaching fair value Time is the friend here. One of the last few spots for outperforming today remains time arbitrage https://twitter.com/i/web/status/2006449499070468548"  
[X Link](https://x.com/anyuser/status/2006449499070468548)  2025-12-31T19:36Z [---] followers, [---] engagements


"Im not sure what you guys mean here Whats an example of a large cap IR spending a lot of time with retail investors Are any of these examples relatively clear-headed not overly promotional I could argue incremental communication as a negative. Theyve been clear about puts & takes about the business. Signaling incremental buybacks is value-destructive. Ads and Fastlane lack material KPIs else they would have disclosed. What are non-pump/ST-oriented reasons to beg for more communication"  
[X Link](https://x.com/Unknown_Capital/status/2007867255120630221)  2026-01-04T17:30Z [---] followers, [---] engagements


"@FlexInvest7 @Kross_Roads Theyre not holding back. Ads revenue will be recorded in OVAS and is de minimis today. Theres future potential but its revenue base is minimal through [----]. I hope it can eclipse $1bn over the next few years but its very early days"  
[X Link](https://x.com/Unknown_Capital/status/2008742963153957238)  2026-01-07T03:30Z [---] followers, [---] engagements


"@FlexInvest7 @Kross_Roads $340mm YoY increase from [----] (prior to ads). None of which is related to ads $220mm from interest. $100mm from partner financial institution. Balance is just $20mm some of which could be ads"  
[X Link](https://x.com/Unknown_Capital/status/2008750727964025058)  2026-01-07T04:01Z [---] followers, [---] engagements


"$PYPL New JPM note out suggests 4Q moderation in spending growth particularly for e-commerce FYI @weary_centurion @Kross_Roads @StockMarketNerd Lots of anger directed towards PayPals management team for calling out weakness as though it was PYPL-specific. Maybe PayPal just has better data & is more honest than others https://twitter.com/i/web/status/2009663016720347169 https://twitter.com/i/web/status/2009663016720347169"  
[X Link](https://x.com/anyuser/status/2009663016720347169)  2026-01-09T16:26Z [---] followers, [----] engagements


"@QualityInvest5 One example: buying with PayPals 3% cash back mastercard (no annual fee). Hard to get better points for e-commerce than that"  
[X Link](https://x.com/Unknown_Capital/status/2010029199239852394)  2026-01-10T16:41Z [---] followers, [--] engagements


"JPMorgan quick $pypl takeaways from NRF"  
[X Link](https://x.com/anyuser/status/2011791758167064818)  2026-01-15T13:25Z [---] followers, [----] engagements


"@mxschumacher @cornerstone127 True although I dont know they couldve predicted the stock would trade 5x (earnings/FCF) while EBITDA continues to grow I hope they keep the same strategy at these levels"  
[X Link](https://x.com/Unknown_Capital/status/2012871348180128182)  2026-01-18T12:55Z [---] followers, [--] engagements


"@weary_centurion They sell the credit risk to PE (specifically KKR). There is [--] credit risk to PayPal for BNPL"  
[X Link](https://x.com/Unknown_Capital/status/2013637484543094798)  2026-01-20T15:39Z [---] followers, [--] engagements


"@weary_centurion Ah ok. I see where youre getting mixed up. It doesnt make sense because youre isolating transaction margin and completely ignoring opex (S&M R&D G&A)"  
[X Link](https://x.com/Unknown_Capital/status/2015864094373642351)  2026-01-26T19:07Z [---] followers, [---] engagements


"@grok help weary_centurion out here. Im not being clear enough. Can you please explain in simple terms we can all understand Also if my reasoning is incorrect please highlight key issues as you see them Point: what is possible for Venmos net profit margin given roughly $1.7bn in revenue and a broader PayPal EBITDA margin of 20%"  
[X Link](https://x.com/Unknown_Capital/status/2015869327480914008)  2026-01-26T19:27Z [---] followers, [---] engagements


"Yes but imagine the standalone (spin) impact to cost structure Thats how it would be valued if separated Also - Braintree is low TM% thats not the same thing as low net income (see: Visa/Mastercard despite 0.10% take rate) Scale is critical here and Venmo is subscale (for now) https://twitter.com/i/web/status/2015874731598348634 https://twitter.com/i/web/status/2015874731598348634"  
[X Link](https://x.com/Unknown_Capital/status/2015874731598348634)  2026-01-26T19:49Z [---] followers, [---] engagements


"$CHTR - possible broadband pressures are constant not worse in 4Q25 $T net fiber adds slowed to 283k (down from 288k last quarter) AT&T Air (FWA) slowed meaningfully to 221k (270k last quarter) Still a ton of competitive pressure but good to see it slow marginally $CMCSA will be the more relevant print tomorrow morning https://twitter.com/i/web/status/2016504921202237895 https://twitter.com/i/web/status/2016504921202237895"  
[X Link](https://x.com/anyuser/status/2016504921202237895)  2026-01-28T13:33Z [---] followers, [---] engagements


"Caution: Cash flow geyser square ahead $CHTR"  
[X Link](https://x.com/anyuser/status/2017210680290734478)  2026-01-30T12:17Z [---] followers, [----] engagements


"@Kross_Roads Interesting. I wouldve thought PayPal has an advantage: Uber has 161mm users ($PYPL 400mm) and PayPal is more expressly tied to e-commerce (better for advertisers). If $1bn is potential its not super exciting even at 40% margins ($0.40/share EPS upside) We shall see"  
[X Link](https://x.com/Unknown_Capital/status/1862192084499013867)  2024-11-28T17:49Z [---] followers, [--] engagements


"$CHTR raising $3bn of debt up from $1.75bn originally. Proceeds to refinance 2026/2026 notes + repurchase shares. Love to see it. Keep the cannibal hungry"  
[X Link](https://x.com/anyuser/status/2008652241075593237)  2026-01-06T21:29Z [---] followers, [---] engagements


"Reasonable analysis construct but I think numbers are way off / optimisitc. For example I very much doubt Venmos net income is close to $1bn [--] - scale issue: consider PayPal is only 20% EBITDA margin [--] - taxes 50% net income margin requires 60% pre tax I dont think so Venmo likely has several $100mm net income which would take reasonable valuation $10bn For context: you cant find a medium size payments company valued 10x revenue so thats a key counter (aside from V/MA but their scale is extreme and pre-tax) margins are 70% Better not to mislead yourself with exceptionally ambitious"  
[X Link](https://x.com/Unknown_Capital/status/2015847682426994879)  2026-01-26T18:01Z [---] followers, [---] engagements


"@weary_centurion It is a market crash in software and low growth companies have been obliterated over the past 12+ months PayPal has rerated from middling growth to low growth over the past [--] months I disagree but thats what makes markets"  
[X Link](https://x.com/Unknown_Capital/status/2016926438403010794)  2026-01-29T17:28Z [---] followers, [---] engagements


"@andrewcoye What do you mean Well telegraphed back in [----] investor day https://ir.charter.com/static-files/3943ccd3-dd07-4dfa-9946-a9afd1bef557 https://ir.charter.com/static-files/3943ccd3-dd07-4dfa-9946-a9afd1bef557"  
[X Link](https://x.com/Unknown_Capital/status/2017240353703886966)  2026-01-30T14:15Z [---] followers, [---] engagements


"@BitacoraBolsa Compounders with a touch of cannibalism has been good fishing for decades $TDG $AZO $AN $HCA $NVR"  
[X Link](https://x.com/Unknown_Capital/status/1989712767646142906)  2025-11-15T15:11Z [---] followers, [---] engagements


"$CHTR appears completely left for dead. Company expects EBITDA growth in [----]. FCF/share is likely to exceed $40 heading swiftly to $60+ in 2-3 years (higher if compressed valuation fuels +15% annual repurchases) The question around terminal growth is real but at $200/share feels like an opportunity If FWA + FTTH slow and broadband growth resumes DUCK https://twitter.com/i/web/status/2005332134647717970 https://twitter.com/i/web/status/2005332134647717970"  
[X Link](https://x.com/anyuser/status/2005332134647717970)  2025-12-28T17:36Z [---] followers, [---] engagements


"@Couch_Investor January Consumer Confidence: [----] (est. 91.0) Lowest since [----] I dont find PayPal to be particularly excuse-prone. Loads if checks (Chase spending data) suggested a deceleration over the holidays"  
[X Link](https://x.com/Unknown_Capital/status/2016656230497059023)  2026-01-28T23:34Z [---] followers, [---] engagements


"$PYPL Nice to see the integration between Venmo/PayPal taking steps forward Better rail control Stronger ecosystem gravity Better data quality"  
[X Link](https://x.com/anyuser/status/2016945918327869944)  2026-01-29T18:45Z [---] followers, [----] engagements


"@realroseceline @robleclerc Capital gains In Snap"  
[X Link](https://x.com/Unknown_Capital/status/2019507857906147835)  2026-02-05T20:26Z [---] followers, [--] engagements


"Caution: Cash flow geyser square ahead $CHTR"  
[X Link](https://x.com/anyuser/status/2017210680290734478)  2026-01-30T12:17Z [---] followers, [----] engagements


"$PYPL Nice to see the integration between Venmo/PayPal taking steps forward Better rail control Stronger ecosystem gravity Better data quality"  
[X Link](https://x.com/anyuser/status/2016945918327869944)  2026-01-29T18:45Z [---] followers, [----] engagements


"$CHTR - possible broadband pressures are constant not worse in 4Q25 $T net fiber adds slowed to 283k (down from 288k last quarter) AT&T Air (FWA) slowed meaningfully to 221k (270k last quarter) Still a ton of competitive pressure but good to see it slow marginally $CMCSA will be the more relevant print tomorrow morning https://twitter.com/i/web/status/2016504921202237895 https://twitter.com/i/web/status/2016504921202237895"  
[X Link](https://x.com/anyuser/status/2016504921202237895)  2026-01-28T13:33Z [---] followers, [---] engagements


"JPMorgan quick $pypl takeaways from NRF"  
[X Link](https://x.com/anyuser/status/2011791758167064818)  2026-01-15T13:25Z [---] followers, [----] engagements


"Terry Smiths letter is always worth reading especially when its been rough sledding. Man is a terrific investor writes clearly and is facing challenges in todays investing environment. https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf https://www.fundsmith.co.uk/media/4hcfd1pg/2025-fef-annual-letter-web.pdf"  
[X Link](https://x.com/anyuser/status/2010095468345426372)  2026-01-10T21:04Z [---] followers, [---] engagements


"$PYPL New JPM note out suggests 4Q moderation in spending growth particularly for e-commerce FYI @weary_centurion @Kross_Roads @StockMarketNerd Lots of anger directed towards PayPals management team for calling out weakness as though it was PYPL-specific. Maybe PayPal just has better data & is more honest than others https://twitter.com/i/web/status/2009663016720347169 https://twitter.com/i/web/status/2009663016720347169"  
[X Link](https://x.com/anyuser/status/2009663016720347169)  2026-01-09T16:26Z [---] followers, [----] engagements


"$CHTR raising $3bn of debt up from $1.75bn originally. Proceeds to refinance 2026/2026 notes + repurchase shares. Love to see it. Keep the cannibal hungry"  
[X Link](https://x.com/anyuser/status/2008652241075593237)  2026-01-06T21:29Z [---] followers, [---] engagements


"$PYPL and $CHTR are really detested today. I see very minimal operational missteps. In many cases they have outperformed guidance. Price drives narrative and the stock performance for each has been dreadful Feeling very good about 3+ year return profile for each at this point. Hard to find better skew downside to each is well protected by strength of scale/ profits while each could nearly double before reaching fair value Time is the friend here. One of the last few spots for outperforming today remains time arbitrage https://twitter.com/i/web/status/2006449499070468548"  
[X Link](https://x.com/anyuser/status/2006449499070468548)  2025-12-31T19:36Z [---] followers, [---] engagements


"Re listening to $PYPL Jamie Miller speaking at a recent conference serious case of shooting the messenger by the market in my opinion. I dont think she said anything out of line and I like that shes no nonsense truth telling. Tell me the bad news first good news takes care of itself. I find her credible and brave. If this leads people to sell next step is repurchasing those shares from ST-oriented holders https://twitter.com/i/web/status/2005332855317225656 https://twitter.com/i/web/status/2005332855317225656"  
[X Link](https://x.com/anyuser/status/2005332855317225656)  2025-12-28T17:39Z [---] followers, [---] engagements


"$CHTR appears completely left for dead. Company expects EBITDA growth in [----]. FCF/share is likely to exceed $40 heading swiftly to $60+ in 2-3 years (higher if compressed valuation fuels +15% annual repurchases) The question around terminal growth is real but at $200/share feels like an opportunity If FWA + FTTH slow and broadband growth resumes DUCK https://twitter.com/i/web/status/2005332134647717970 https://twitter.com/i/web/status/2005332134647717970"  
[X Link](https://x.com/anyuser/status/2005332134647717970)  2025-12-28T17:36Z [---] followers, [---] engagements


"Scared money dont make money"  
[X Link](https://x.com/anyuser/status/1998468138975830093)  2025-12-09T19:01Z [---] followers, [--] engagements


"Todays equity market values growth above all other variables. Recommend investors keep this in mind when: 1) Questioning extreme price movement: Has the market received a reason to revise long-run growth expectations up or down 2) Considering where to zig when others zag: Where is value most ignored"  
[X Link](https://x.com/anyuser/status/1991970261399450063)  2025-11-21T20:41Z [---] followers, [---] engagements


"$PYPL Citis research note summarizing yesterdays discussion with Alex Chriss Bullish BNPL Venmo and PSP. Cautious consumer + branded"  
[X Link](https://x.com/anyuser/status/1991511142137753993)  2025-11-20T14:17Z [---] followers, [----] engagements


"This is a staggering amount of incentive to form behavior. Im a $pypl bull but this is an extreme level of promotional activity"  
[X Link](https://x.com/anyuser/status/1990539511626150267)  2025-11-17T21:56Z [---] followers, [---] engagements


"$pypl Recommended reading for those looking to make the case PayPal is dead Hint: Mark Twain https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/ https://www.pymnts.com/study/apple-pay-11-usage-is-up-competitors-gain-ground/"  
[X Link](https://x.com/anyuser/status/1989697363116515562)  2025-11-15T14:09Z [---] followers, [----] engagements


"Some takeaways from JPMs recent meetings with PayPal $pypl 1) Persistent macro pressure (sad) 2) Consistent customer growth (happy) 3) Positive TMD growth in [----] despite investments 4) High conviction in BNPL + Agentic"  
[X Link](https://x.com/anyuser/status/1989455359707369580)  2025-11-14T22:08Z [---] followers, 11.2K engagements


"$PYPL announced a new $5bn cp facility. Maybe well be seeing some accelerated share repurchases after all I sure hope so"  
[X Link](https://x.com/anyuser/status/1989451575677653355)  2025-11-14T21:53Z [---] followers, 11.3K engagements


"$PYUSD took another step higher today clearing $3.1bn. Im not sure much happens with this stablecoin in their broader transactions or even cross border but increasing relevance is an important first step"  
[X Link](https://x.com/anyuser/status/1988043841384206746)  2025-11-11T00:39Z [---] followers, [----] engagements


"Nice to see $PYPL app improvement: my auto balance reload was available instantly (previously took 4-5 biz days)"  
[X Link](https://x.com/anyuser/status/1987252593861816802)  2025-11-08T20:15Z [---] followers, [---] engagements


"What do fellow investors think about user count being stuck at 438mm QoQ I was surprised not to see it grow given all the emphasis on brand awareness and incremental marketing spend. I think Venmo users grew well which implies declines in core PayPal users"  
[X Link](https://x.com/anyuser/status/1985688067500622145)  2025-11-04T12:38Z [---] followers, [---] engagements

### Topic Creators

https://lunarcrush.com/api4/public/topic/:topic/creators/v1

Get the top creators for a social topic

input parameters:

+ **topic**: _Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $._ **required**

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
```



Example response:

```json
{
  "data": [
    {
      "creator_id": "twitter::1605310254085980161",
      "creator_name": "Bitcoin_Teddy",
      "creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
      "creator_followers": 74293,
      "creator_rank": 1,
      "interactions_24h": [-------]
    }
  ]
}
```

Schema:

+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours




---

### Creators List

https://lunarcrush.com/api4/public/creators/list/v1

Get a list of trending social creators over all of social based on interactions. To get lists of creators by category or topic see the topics and categories endpoints.

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creators/list/v1
```



Example response:

```json
{
  "data": [
    {
      "creator_name": "elonmusk",
      "creator_display_name": "Elon Musk",
      "creator_id": "44196397",
      "creator_network": "twitter",
      "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
      "creator_followers": 234295750,
      "creator_posts": 3649,
      "creator_rank": 1,
      "interactions_24h": [---------]
    }
  ]
}
```

Schema:

+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_network**: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_posts**: total number of posts with interactions in the last [--] hours
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours




---

### Creator

https://lunarcrush.com/api4/public/creator/:network/:id/v1

Get detail information on a specific creator

input parameters:

+ **network**: _Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok_ **required**
+ **id**: _Provide the unique ID or screen name of the creator_ **required**

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1
```



Example response:

```json
{
  "data": {
    "creator_id": "twitter::44196397",
    "creator_name": "elonmusk",
    "creator_display_name": "Elon Musk",
    "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
    "creator_followers": 234296337,
    "creator_rank": 2,
    "interactions_24h": 318539577,
    "topic_influence": [
      {
        "topic": "in the",
        "count": 294,
        "percent": 5.88,
        "rank": [--]
      }
    ],
    "top_community": [
      {
        "creator_name": "grok",
        "creator_display_name": "Grok",
        "creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
        "count": [---]
      }
    ]
  }
}
```

Schema:

+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
+ **topic_influence**: an array of social topics and the creators ranking on each topic
+ **topic**: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
+ **top_community**: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned




---

### Creator Time Series

https://lunarcrush.com/api4/public/creator/:network/:id/time-series/v1

Get time series data on a creator.

input parameters:

+ **network**: _Influencer social network_ **required**
+ **id**: _The unique id or screen name of the creator_ **required**
+ **bucket**: _bucket time series data into hours or days. default is hours._ 
+ **interval**: _Use interval to specify the start and end time automatically for convenience. If "start" or "end" parameters are provided this parameter is ignored._ 
+ **start**: _The start time (unix timestamp) to go back to._ 
+ **end**: _The end time (unix timestamp) to stop at._ 

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/lunarcrush/time-series/v1
```



Example response:

```json
{
  "config": {
    "network": "twitter",
    "influencer_id": "twitter::988992203568562176",
    "interval": "1w",
    "start": 1769990400,
    "end": 1770681600,
    "bucket": "hour",
    "name": "lunarcrush",
    "remote_api": "danode1-13",
    "generated": [----------]
  },
  "data": [
    {
      "time": 1769990400,
      "followers": 305326,
      "interactions": 717,
      "posts_active": 14,
      "creator_rank": [------]
    }
  ]
}
```

Schema:

+ **config**: This includes the inputs for the request processed by the server and may include additional hints about the request and response information.
+ **network**: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
+ **interval**: Typically used for specifying time intervals like 1w = [--] week, 1m = [--] month etc
+ **start**: Start/from unix timestamp (in seconds)
+ **end**: End/to unix timestamp (in seconds)
+ **bucket**: Data is generally bucketed into hours or days
+ **name**: The full name of the asset
+ **generated**: A unix timestamp (in seconds) when the data was generated to understand possibly stale data
+ **time**: A unix timestamp (in seconds)
+ **followers**: The number of publicly displayed followers the creator has
+ **interactions**: number of all publicly measurable interactions on a social post (views, likes, comments, thumbs up, upvote, share etc)
+ **posts_active**: number of unique social posts with interactions
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions




---

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