#  @ZMam02291 zamgmail zam zamgmail zam posts on X about $sofi, $eth, $bmnr, future the most. They currently have [---------] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours. ### Engagements: [-------] [#](/creator/twitter::1488603051715973125/interactions)  - [--] Week [-----] +24% - [--] Month [------] -1.30% - [--] Months [------] +11,460% - [--] Year [------] +1,837% ### Mentions: [--] [#](/creator/twitter::1488603051715973125/posts_active)  - [--] Month [--] -98% - [--] Months [---] +3,433% - [--] Year [---] +370% ### Followers: [---------] [#](/creator/twitter::1488603051715973125/followers)  - [--] Week [---] +2.50% - [--] Month [---] +10% - [--] Months [---] +152% - [--] Year [---] +156% ### CreatorRank: [---------] [#](/creator/twitter::1488603051715973125/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) [finance](/list/finance) [cryptocurrencies](/list/cryptocurrencies) [technology brands](/list/technology-brands) [countries](/list/countries) [automotive brands](/list/automotive-brands) [social networks](/list/social-networks) [fashion brands](/list/fashion-brands) [travel destinations](/list/travel-destinations) [currencies](/list/currencies) **Social topic influence** [$sofi](/topic/$sofi), [$eth](/topic/$eth) #1240, [$bmnr](/topic/$bmnr) #144, [future](/topic/future), [matter](/topic/matter), [stocks](/topic/stocks), [bearish](/topic/bearish), [$hims](/topic/$hims), [business](/topic/business), [pakistan](/topic/pakistan) **Top accounts mentioned or mentioned by** [@timsweeneytar](/creator/undefined) [@krossroads](/creator/undefined) [@dollarcostavg](/creator/undefined) [@thelonginvest](/creator/undefined) [@mvcinvesting](/creator/undefined) [@siasatpk](/creator/undefined) [@mikealfred](/creator/undefined) [@tariqmateen](/creator/undefined) [@kenmegan44](/creator/undefined) [@perfecthairgene](/creator/undefined) [@ahmadnoorani](/creator/undefined) [@pdicarlotrader](/creator/undefined) [@danielnewmanuv](/creator/undefined) [@bmnrbullz](/creator/undefined) [@thetechinvest](/creator/undefined) [@thexcapitalist](/creator/undefined) [@ryanazrealtor](/creator/undefined) [@hap0606](/creator/undefined) [@galkrubiner](/creator/undefined) [@nayapakistan](/creator/undefined) **Top assets mentioned** [RAI Finance (SOFI)](/topic/$sofi) [Ethereum (ETH)](/topic/$eth) [BITMINE IMMERSION TECH (BMNR)](/topic/$bmnr) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Cipher Mining Inc. Common Stock (CIFR)](/topic/$cifr) [Iris Energy Limited (IREN)](/topic/$iren) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Strategy (MSTR)](/topic/$mstr) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [ZetaChain (ZETA)](/topic/$zeta) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Rubrik, Inc. (RBRK)](/topic/$rbrk) [Bitcoin (BTC)](/topic/$btc) [Palantir Technologies Inc. (PLTR)](/topic/$pltr) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Costco Wholesale Corporation (COST)](/topic/costco) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [Chime Financial, Inc (CHYM)](/topic/$chym) [NuCypher (NU)](/topic/$nu) [Novo-Nordisk (NVO)](/topic/$nvo) ### Top Social Posts Top posts by engagements in the last [--] hours "@FrontlineKamran Law kahan toota Kia idiot journalist hai yai. Dirty Harry nai photos dee tau program kar diya" [X Link](https://x.com/ZMam02291/status/1603085988087189506) 2022-12-14T17:54Z [--] followers, [--] engagements "@QalandarInRuks @Fallibilist1 Our defenders busy conquering own country political parties. Latest is now after fertiliser and commercial land they are after agri land also. Why we need army then. Just shake hand with India and get rid of army and spend on education and social uplift" [X Link](https://x.com/ZMam02291/status/1678847903320748032) 2023-07-11T19:38Z [--] followers, [--] engagements "@MohUmair87 @tariqmateen He should get himself checked by a good mental health expert" [X Link](https://x.com/ZMam02291/status/1729410321645764883) 2023-11-28T08:02Z [--] followers, [--] engagements "@saqibbashir156 @MashwaniAzhar He needs some good mental health expert. Lost in frivolous points" [X Link](https://x.com/ZMam02291/status/1729410615414808686) 2023-11-28T08:03Z [--] followers, [--] engagements "@SdqJaan @RaheeqAbbasi Faiz Isa for a reason said to remove supreme from supreme court. He is compromised judge and got bailed out by Bajwa after his tax issue" [X Link](https://x.com/ZMam02291/status/1730976252759077124) 2023-12-02T15:44Z [--] followers, [--] engagements "@cyalm We knew it the day he got bailed out in tax apartments in London issue. He just did image building thru guys like you" [X Link](https://x.com/ZMam02291/status/1734930851631120645) 2023-12-13T13:38Z [--] followers, [--] engagements "@AWaheedDogar @AzharSiddique Exactly. Aur phir Nawaz sharif nai Bajwa ko extension dai dee yai intellectual level ka haal hai poori nation ko bewaqoof samjha hooa hai" [X Link](https://x.com/ZMam02291/status/1735953854334726558) 2023-12-16T09:23Z [--] followers, [--] engagements "@Ordinary_Girl9_ @javerias B should be trialed for his murder" [X Link](https://x.com/ZMam02291/status/1739682117351555462) 2023-12-26T16:18Z [--] followers, [--] engagements "@tariqmateen Is nai chief chaukeedar ko appoint kia hai" [X Link](https://x.com/ZMam02291/status/1747306862620377153) 2024-01-16T17:16Z [--] followers, [--] engagements "@ahmadwaraichh @Ahmad_Noorani Murderers chaukeedars aur police qatal hai" [X Link](https://x.com/ZMam02291/status/1754602140893323293) 2024-02-05T20:25Z [--] followers, [--] engagements "@tariqmateen Because he knows nothing can happen. Qazi kee adaalat aur chaukeedars will protect him perhaps even make some PTI wala responsible perhaps arrest poor old mans son and make him responsible for the murder" [X Link](https://x.com/ZMam02291/status/1754602601469939936) 2024-02-05T20:27Z [--] followers, [--] engagements "@iwaseemmalik @tariqmateen Qazi - achha kia election ho gaya" [X Link](https://x.com/ZMam02291/status/1758781842856071173) 2024-02-17T09:14Z [--] followers, [--] engagements "@ShazadAkbar Because duffers next move is to remove him (set him as an example so no one else dare again next [--] years) move Amir Farooq to Supreme Court as his reward and make Gul Hasan as next CJP (senior most after Kiyani) and then give CJP extension. Conspiracy is deep and wide" [X Link](https://x.com/ZMam02291/status/1777355602458476667) 2024-04-08T15:19Z [--] followers, [--] engagements "@Lataqnatuu @PakForeverIA Day when Bajwa led boots did ghadaari with Pakistan for one seat / one post / one position. Sad day indeed" [X Link](https://x.com/ZMam02291/status/1777647840514216239) 2024-04-09T10:40Z [--] followers, [--] engagements "@DrSadia_PTI They are attacking own country men now everywhere only for their one prized post and their business empire" [X Link](https://x.com/ZMam02291/status/1779088578535932102) 2024-04-13T10:05Z [--] followers, [----] engagements "@siasatpk @mujibshami1 Frankly until unless criminal generals are brought to justice nothing will help Pakistan. They for one chief post have done conspiracies and ghadaari with own country" [X Link](https://x.com/ZMam02291/status/1788263694708732016) 2024-05-08T17:44Z [--] followers, [--] engagements "@Naya__Pakistan_ Kis banana republic mai aa gaya hain" [X Link](https://x.com/ZMam02291/status/1791015761235914758) 2024-05-16T08:00Z [--] followers, [---] engagements "@siasatpk . Banana republic" [X Link](https://x.com/ZMam02291/status/1797579308745277682) 2024-06-03T10:41Z [--] followers, [--] engagements "@QayyumReports Yes including in Pakistan where fascist in power and you are their prime spokesperson. Fascist judges puppets (PDM 2.0) and their backers (boots)" [X Link](https://x.com/ZMam02291/status/1798191823506321906) 2024-06-05T03:15Z [--] followers, [--] engagements "@Ahmad_Noorani Exactly. Like so many else got exposed these human rights organisations exposed also from within these are only funded by boots" [X Link](https://x.com/ZMam02291/status/1802015468581957878) 2024-06-15T16:29Z [--] followers, [--] engagements "@ShakirAwan88 That money should be paid to poor artist from the salaries of chief chaukeedar and chief judges" [X Link](https://x.com/ZMam02291/status/1803102266246742361) 2024-06-18T16:27Z [--] followers, [---] engagements "@siasatpk This beghairat along with his backers in neutrals mercilessly beaten women and kids in Pakistan" [X Link](https://x.com/ZMam02291/status/1809408933880029665) 2024-07-06T02:08Z [--] followers, [--] engagements "@javeednusrat Because you dont have the moral courage to call spade a spade and throwing everyone to social media which is a global reality not help but just portrays you as an apologist or accomplisher" [X Link](https://x.com/ZMam02291/status/1814913912598417608) 2024-07-21T06:42Z [--] followers, [--] engagements "@balochi5252 @PTIofficial Mafia gang hai Pakistans helm of affairs for [--] years" [X Link](https://x.com/ZMam02291/status/1815756784482574821) 2024-07-23T14:32Z [--] followers, [--] engagements "@Razarumi @wajahatmasood He is the most intellectually dishonest person supporting black human rights violations under one pretext or another" [X Link](https://x.com/ZMam02291/status/1822237379882594503) 2024-08-10T11:43Z [--] followers, [--] engagements "@PravinSawhney Thanks and wish the best for the upcoming one of India. May we live in peace always" [X Link](https://x.com/ZMam02291/status/1823574612220752381) 2024-08-14T04:17Z [--] followers, [---] engagements "@DurraniViews Only his cronies were making that narrative that economy growing at 6% for two consecutive years is at the verge of default. He needs a better informed researcher for sure" [X Link](https://x.com/ZMam02291/status/1826285973787042078) 2024-08-21T15:51Z [--] followers, [--] engagements "@Naya__Pakistan_ lol. They are a political party themselves" [X Link](https://x.com/ZMam02291/status/1836797049699803169) 2024-09-19T15:58Z [--] followers, [--] engagements "@ARYSabirShakir Mafia ghunday in power in Pakistan" [X Link](https://x.com/ZMam02291/status/1839967229783187578) 2024-09-28T09:55Z [--] followers, [--] engagements "@Ahmad_Noorani Surprised you didnt notice from Jokhio murder cover up and numerous other events" [X Link](https://x.com/ZMam02291/status/1847647191164244382) 2024-10-19T14:33Z [--] followers, [--] engagements "@siasatpk This tout and basard child of boots shut his eyes on human rights violations and every night after speaking with his mothers friends start communicating threats no mercy" [X Link](https://x.com/ZMam02291/status/1869856718932590780) 2024-12-19T21:25Z [--] followers, [--] engagements "@siasatpk And in Pakistan majority is insecure" [X Link](https://x.com/ZMam02291/status/1872686014684397998) 2024-12-27T16:48Z [--] followers, [--] engagements "@RichardGrenell Be prepared for such fake news mostly orchestrated by and promoted by Pakistani establishments alias accounts. Pakistani establishment and regime that has stolen elections will do this to defame / cause confusion. Perhaps you know in Pakistan you are quite popular now" [X Link](https://x.com/ZMam02291/status/1873013195700617607) 2024-12-28T14:28Z [--] followers, [--] engagements "@Razarumi Oh shut up.shutting eyes on atrocities in Pakistan and dollar funded journalism" [X Link](https://x.com/ZMam02291/status/1873060351249662349) 2024-12-28T17:36Z [--] followers, [--] engagements "@ShahidMaitla Disagree completely. Its proven now JKT was a tout planted within. So was Aleem Khan whom Bajwa wanted to make CM and a key reason of rift. Al-qadir case was in dustbin the day Faiz Isa court had Mashreq Bank response submitted and Faiz Isa then ran away" [X Link](https://x.com/ZMam02291/status/1880184437650124858) 2025-01-17T09:24Z [--] followers, [---] engagements "@SHABAZGIL We are busy taking decisions from Supreme Court thats why" [X Link](https://x.com/ZMam02291/status/1920345927270691002) 2025-05-08T05:12Z [--] followers, [---] engagements "@rizwanghilzai At least release sher bano mother in this situationunity is strength" [X Link](https://x.com/ZMam02291/status/1920584226623074348) 2025-05-08T20:58Z [--] followers, [---] engagements "@rizwanghilzai Banana republic hai Mughal e Azam in power using unbridled powers (unconstitutional powers though)" [X Link](https://x.com/ZMam02291/status/1957063080027861228) 2025-08-17T12:52Z [--] followers, [---] engagements "@RentYourStocks $CNC is more medaid and not so ACA focused" [X Link](https://x.com/ZMam02291/status/1958990789951840260) 2025-08-22T20:32Z [--] followers, [---] engagements "@jbelizaireCEO @SolunaHoldings Like updates. Investor in SLNH. Yesterday comm could have been better. Are SLNH HPC ambitions on track or you see execution risks or lack of finances" [X Link](https://x.com/ZMam02291/status/1975644255239708745) 2025-10-07T19:27Z [--] followers, [---] engagements "@mikealfred Treasury yields went up seems QT end indicated weakening in economy not very bullish" [X Link](https://x.com/ZMam02291/status/1983597503229653263) 2025-10-29T18:11Z [--] followers, [----] engagements "@DollarCostAvg Guys hype is such as something big gonna be on Monday. If not you know how would be deflation of balloon effect. I hope there is some news. If none would deflate big time. I have big position and nervous now" [X Link](https://x.com/ZMam02291/status/1984846868845846872) 2025-11-02T04:55Z [--] followers, [---] engagements "@TJTheWheelDeal Besides i loved your comment on there are two sides of coins:)" [X Link](https://x.com/ZMam02291/status/1986038410222637476) 2025-11-05T11:50Z [--] followers, [--] engagements "@tphuang Disagree. SAMA comment was out of context. OpenAI $20b revenue projecting $100b in 1-2 years. x5 means $0.5trillion and even higher valuation. Projected spend $1.5trillion over [--] plus years. Dont see any issues. Adjustments can follow in phasing it further or slight cuts" [X Link](https://x.com/ZMam02291/status/1987213201600356788) 2025-11-08T17:38Z [---] followers, [----] engagements "@JamesWynnReal alternate view - S&P is driven by tech that has 38% weight important to note that tech (esp. Mag 7) growing revenue at insane rates (NVDA +50% as an example) leading to instance FCF OCF and earnings growth. And that is unseen / unheard. So no bubble as funded via FCF not debt" [X Link](https://x.com/ZMam02291/status/1987375240750776808) 2025-11-09T04:22Z [---] followers, [---] engagements "@Kross_Roads @AjayNabh1 $PYPL main friction is first having to fund or auto debit set up from a funding source whereas better options available more seamless also. PYPL not adopted by Gen Z (Ref: Dataset 17.8%). Much lower than older cohorts. Dont see any future for PYPL its slow death" [X Link](https://x.com/ZMam02291/status/1990071540591870148) 2025-11-16T14:56Z [---] followers, [---] engagements "@Kross_Roads @Mr_Derivatives It does. I said it before that cant ignore strategic risk to $PYPL model. Its cheap for a reason value trap. Cash cow generate cash till goes to extinction. Reasons 1) higher friction in journey vs neo-banks / fintechs 2) younger generation adoption is low" [X Link](https://x.com/ZMam02291/status/1991564822404899050) 2025-11-20T17:50Z [---] followers, [---] engagements "@Tim_Sweeney_TAR @WilliamMo1 Great analysis. Only addition - given mNAV [--] now BAT cant issue / buy more and do treasury action. To take benefit of Eth going lower BMNR will run out of viable options. That single biggest risk with single direction treasury. Besides Bull Case is not super attractive" [X Link](https://x.com/ZMam02291/status/1991755819306913912) 2025-11-21T06:29Z [---] followers, [--] engagements "@jeffye888 @RandianCapital $OPEN is pumped up stock kiddish approach propping it $82 and memes around it. Good for day trading only. Fundamentals are zero in an industry where volume lacks (unlike CVNA industry)" [X Link](https://x.com/ZMam02291/status/1991839400180007188) 2025-11-21T12:01Z [---] followers, [---] engagements "@Kross_Roads Correct. And wasnt good that EPS in earning was deceptive. As well this tells single point of success / failure if ETH price and FED action. If any move lower in ETH or no rate change BMNR likely go to single digits pretty quickly. Very high risk game" [X Link](https://x.com/ZMam02291/status/1992247525248819671) 2025-11-22T15:03Z [---] followers, [----] engagements "@Kross_Roads Thats not correct. Thats assuming linear relationship in ETH / BMNR. Reality is mNAV discount will play in and widen as ETH drops. My calc. Assuming mNAV discount widens in bear market to 30-60% BMNR goes to single digit price with ETH falling below $1800-2000 levels" [X Link](https://x.com/ZMam02291/status/1992252054417613084) 2025-11-22T15:21Z [---] followers, [---] engagements "Besides ETH and as a result BMNR are risk-on assets. Hence directly tied to liquidity that is linked to FED / rates. If no rate cut money will not flow into risk-on assets. Hence the dependency and cant be ignored. ETH price standalone not say much. @Kross_Roads Thats not correct. Thats assuming linear relationship in ETH / BMNR. Reality is mNAV discount will play in and widen as ETH drops. My calc. Assuming mNAV discount widens in bear market to 30-60% BMNR goes to single digit price with ETH falling below $1800-2000 levels. @Kross_Roads Thats not correct. Thats assuming linear relationship" [X Link](https://x.com/ZMam02291/status/1992253885692661771) 2025-11-22T15:28Z [---] followers, [--] engagements "@cryiepto @Kross_Roads Thats correct and never disagreed. Just that its a single directional bet. If works out will be out of the park. But comes with multiple risks. There are investors sitting on 70% drop now within a month or so and thats the risk. I am investor in BMNR also but reduced position" [X Link](https://x.com/ZMam02291/status/1992271445700055150) 2025-11-22T16:38Z [---] followers, [--] engagements "@PeeTapeExpert @Kross_Roads Spot on. That is the key risk. Just like mNAV premium will boost BMNR price mNAV discount would be opposite and accelerate downfall. And thats when BMNR runs out of tools / actions. Not for rainy day. For sunny day best stock / great upside" [X Link](https://x.com/ZMam02291/status/1992272849583968379) 2025-11-22T16:43Z [---] followers, [---] engagements "@hebagowayed @DanielleFong May i meet you moment" [X Link](https://x.com/ZMam02291/status/1992297493993062885) 2025-11-22T18:21Z [---] followers, [--] engagements "@BritishHodl @JanvanEck3 @vaneckpk @vaneck_us Curious whats driving the sell out. Is prop not there anymore or any other reason. Whats your views on Eth and Sol. I dont have Bitc as such but have some Eth and Sol for utility reasons. Will be great if you can share your perspective" [X Link](https://x.com/ZMam02291/status/1992585290419191988) 2025-11-23T13:25Z [---] followers, [--] engagements "@mikealfred Yes it seems market makers manipulate to get weak hands out and let their masters / whales to re-enter rally they completely missed" [X Link](https://x.com/ZMam02291/status/1992980368442728557) 2025-11-24T15:35Z [---] followers, [---] engagements "@JamesWynnReal @dotkrueger lol. Clearly a trader long on BTC as well" [X Link](https://x.com/ZMam02291/status/1994082342399562029) 2025-11-27T16:34Z [---] followers, [---] engagements "@mr_tee_____ @officerwoos Yes nice setup. In addition there is gap above not seem like any resistance to +700 levels. Needs to confirm on Monday if confirmation all the way up to +700 like knife through butter" [X Link](https://x.com/ZMam02291/status/1994666777562026009) 2025-11-29T07:16Z [---] followers, [--] engagements "@pdicarlotrader NVDA ELF AMD RDDT" [X Link](https://x.com/ZMam02291/status/1994849784788881859) 2025-11-29T19:23Z [---] followers, [---] engagements "@DollarCostAvg @danielnewmanUV Also isnt it cloud needs GPUs even Google uses. LLMs there is TPU use case that too within a few LLMs providers (hyper scalers). TPU largely ring fenced / narrow use great at that. GPU broad use cases and great at that. NVDA opportunity to get in 170ish price wont last long" [X Link](https://x.com/ZMam02291/status/1995084977751621730) 2025-11-30T10:58Z [---] followers, [--] engagements "@BMNRBullz 1) news 2-3 months old bond market adjusting for it. 2) leverage can cause temp selling pressures in US equities. 3) FED likely counter with aggressive QE and repo actions to ease liquidity concerns. 4)not comparable to [----] as liquidity crisis was due to fundamentals collapsing" [X Link](https://x.com/ZMam02291/status/1995443091881476133) 2025-12-01T10:41Z [---] followers, [--] engagements "@BMNRBullz Was just thinking loud - JP situation may lead FED to also drive increase in bond yields to counter liquidity drain. If so may restrict flex Hassett would have to reduce rates That would rattle markets. POWELL speech critical to calm markets" [X Link](https://x.com/ZMam02291/status/1995473534479442232) 2025-12-01T12:42Z [---] followers, [---] engagements "@danielnewmanUV Wonder wizards would call it circular rectangular triangular or what Some are hell bent to prove NVDA at 75% margins growing +50% is more expensive that Walmart or Costco - wonder which interest are being served" [X Link](https://x.com/ZMam02291/status/1995486805274320987) 2025-12-01T13:35Z [---] followers, [---] engagements "@Tim_Sweeney_TAR Spot on. Unlike MSTR with BTC bought in $70-80k range Lee is buying more ETH when chips are down. ETH has to rise (its patience game) as there is real life utility - future financial rails + staking + not inflationary + store of value higher ETH. Short term pains though" [X Link](https://x.com/ZMam02291/status/1995555039142969557) 2025-12-01T18:06Z [---] followers, [---] engagements "@KyleReidhead Best to stay away. Best to buy BTC directly. This is derivative on BTC and levered with no tools available other than one action dilute / buy / dilute. This makes it sunny days stock only. HOPE is not a strategy. BMNR better as DAT has strategy and ETH has diverse use cases" [X Link](https://x.com/ZMam02291/status/1995559984571318279) 2025-12-01T18:25Z [---] followers, [---] engagements "@DollarCostAvg Thanks. Curious to know your views on $CIFR $CLSK. I have significant position in $IREN and $CIFR and smaller one in $CLSK. Thinking of making $IREN position bigger if today AHs drop holds when market opens" [X Link](https://x.com/ZMam02291/status/1995690988137054451) 2025-12-02T03:06Z [---] followers, [----] engagements "@wallstengine Frankly i am surprised he has missed open that 100GW is not in one year but spread out over 5-7 years. My sense is perhaps would take longer [--] years. Its just that the one who are not in the party cant spare a moment to talk badly about the party. Haves and have nots" [X Link](https://x.com/ZMam02291/status/1995818389315670280) 2025-12-02T11:32Z [---] followers, [----] engagements "@grok @izhaqba @DanzTrader NVDA NV LINK and AMAZON" [X Link](https://x.com/ZMam02291/status/1995905768311427408) 2025-12-02T17:19Z [---] followers, [--] engagements "@pdicarlotrader Thanks for sharing what you think option play better or buy stocks outright for a swing trade" [X Link](https://x.com/ZMam02291/status/1996659120670409187) 2025-12-04T19:13Z [---] followers, [---] engagements "@DollarCostAvg Sold a few puts on $IREN at [--] strike and reduced long position. No point this BP test every hour. IREN team need to sort out comms to bring volatility under control. Else I see this going down on a RED day. Its falling on a GREEN day. 35-38 area. So [--] short puts the best" [X Link](https://x.com/ZMam02291/status/1997004529800503671) 2025-12-05T18:05Z [---] followers, [---] engagements "@bipulsinha Great results by $RBRK team. Congrats. Was lucky in a way that last minute before the market close i started medium size position. Was on my watchlist for sometime. Happy that timed it well. But kudos to $RBRK team for GREAT EXECUTION and FLAWLESS RESULTS" [X Link](https://x.com/ZMam02291/status/1997052412595753444) 2025-12-05T21:16Z [---] followers, [---] engagements "@Tim_Sweeney_TAR My take. I have significant position (long + options). If acquisition linked could have been with acquisition. I would like to see data on delinquencies first. And will be adding hedge or buy partial protection. Hope i am wrong" [X Link](https://x.com/ZMam02291/status/1997605027293376638) 2025-12-07T09:52Z [---] followers, [--] engagements "@Tim_Sweeney_TAR (Continued) - reason being rate cut will help with margin but if risk shifts from credit risk to market (sector) risk then rate cut wont be enough. Usually scores wont matter in such situations as risk is jobs risk (market risk)" [X Link](https://x.com/ZMam02291/status/1997606596562804912) 2025-12-07T09:58Z [---] followers, [--] engagements "@Tim_Sweeney_TAR Seems like i was right in calling out capital raise by $SOFI (dilution) to shore up capital in the context of credit quality - today some comments and banks stocks falling. Good that yesterday i had some hedges booked and reduced position a bit. I wonder if can source more info" [X Link](https://x.com/ZMam02291/status/1998502349569155392) 2025-12-09T21:17Z [---] followers, [---] engagements "@Tim_Sweeney_TAR I am in different market now. Contacted friends closer to US banks Yes you are right Auto (also puzzling). Default sequencing Auto (secured) comes after unsecured. Charge off rates on unsecured climbing but hidden under rising spending levels (more debt) in %age terms.(Cont.)" [X Link](https://x.com/ZMam02291/status/1998687822279016827) 2025-12-10T09:34Z [---] followers, [--] engagements "@DollarCostAvg JANE STREET i dont trust. They usually have bullish bets on stocks and behind the scene shorting the same through options and take benefit from leverage. Jane Street buying is bearish news as one wont know which side Jane Street is" [X Link](https://x.com/ZMam02291/status/1999585545270268197) 2025-12-12T21:01Z [---] followers, [---] engagements "@mikealfred Exactly. Thats what is happening. Manipulation to extreme media helping to provide entries to friends in fund houses. They missed the rally. Now getting forced entry back. Media has valuation issue with NVDA but not with CoSTCO" [X Link](https://x.com/ZMam02291/status/1999585985839980788) 2025-12-12T21:03Z [---] followers, [---] engagements "@TheTechInvest I am invested in it and not like joy ride. Challenge i see for neo clouds (incl. IREN) is not about what this standalone can do but that debt levels and capital involved would have downstream payback or not. Unless inference led initiatives show that P&L challenge will remain" [X Link](https://x.com/ZMam02291/status/2000195882839339166) 2025-12-14T13:27Z [---] followers, [---] engagements "@TheTechInvest Big positive will be if it hangs on to recent support $37 levels as would be confirmation of support. Then is matter of waiting. When tide turns sentiment shifts and stock rallies again. Seems will require [--] months min" [X Link](https://x.com/ZMam02291/status/2000196271340912855) 2025-12-14T13:28Z [---] followers, [--] engagements "@thexcapitalist $UBER require upgrade to add robo tech. $TSLA tech has it pre-installed. Bottleneck for $UBER is while having bigger network has network not ready / require major upgrade that changes dynamics. $TSLA brings scale day [--]. $UBER will bring on day [--]. High strategic risk for $UBER" [X Link](https://x.com/ZMam02291/status/2000224388205969540) 2025-12-14T15:20Z [---] followers, [--] engagements "@Tim_Sweeney_TAR Yes. Also like @Kenmegan44 view on use case for affluent travellers esp relevant for those who retired / not have regular income difficult to secure credit card with high limit but HNW and can use deposit without risking deposits directly via debit card" [X Link](https://x.com/ZMam02291/status/2000244466314342423) 2025-12-14T16:40Z [---] followers, [--] engagements "@Tim_Sweeney_TAR @Kenmegan44 Only one addition - secured card is standard feature in big banks. I work for one of the biggest banks and before worked for other big banks and have not seen where is not offered. Product packaging by $SOFI with fee / credit thin is UNIQUE. And thats BIG ACQUISITION EDGE" [X Link](https://x.com/ZMam02291/status/2000277645200626128) 2025-12-14T18:52Z [---] followers, [--] engagements "@DollarCostAvg @DGretta_Author $SOFI" [X Link](https://x.com/ZMam02291/status/2000278212547686403) 2025-12-14T18:54Z [---] followers, [--] engagements "@Tim_Sweeney_TAR @Kenmegan44 Thats interesting part. Usually secured cards users transacting profile so NII is near zero. So in interest rate wont matter. Since this is credit thin / credit builder positioning some revolve would be there. Gravy at the top. Would make P/L better than I originally thought" [X Link](https://x.com/ZMam02291/status/2000293232828416460) 2025-12-14T19:54Z [---] followers, [--] engagements "@Tim_Sweeney_TAR @Kenmegan44 Additional point- younger (Gen Z) not look at credit the way mine did. So many would prefer secured to earn rewards yet not get levered. CREDIT CARDS is [--] yrs old product not much innovation ripe to DECONSTRUCT $SOFI can re-write / re-imagine this space" [X Link](https://x.com/ZMam02291/status/2000294270385942890) 2025-12-14T19:58Z [---] followers, [--] engagements "@SoFi_Insider If vintage very bullish. Not clear if June vintage is showing [--] months and Sep vintage [--] months or that June vintage is also at 2MOB (months on books). If it is later very very bullish $SoFI. If former then not clear enough to conclude" [X Link](https://x.com/ZMam02291/status/2000296297123971082) 2025-12-14T20:06Z [---] followers, [---] engagements "@davey_juice imo Yes. 1) when strategic risk was not evident it hovered around $100 now its evident. 2) its bigger scale is of no use given vehicles require significant upgrade to become robo ready. Whereas TSLA vehicles are pre-equipped and ready to go with a click & download"" [X Link](https://x.com/ZMam02291/status/2001047457057157341) 2025-12-16T21:51Z [---] followers, [---] engagements "@TheLongInvest CASH cow stage value trap $PYPL struggles not with financial / ratios but more with MOAT. MOAT is gone with competition and options available. Besides look at Gen Z adoption of $PYPL lowest. And will continue to decline" [X Link](https://x.com/ZMam02291/status/2001627497704923501) 2025-12-18T12:15Z [---] followers, [----] engagements "@DGretta_Author Was excellent swing trade for me. Entered $160ish and exited $205ish" [X Link](https://x.com/ZMam02291/status/2001630202150158781) 2025-12-18T12:26Z [---] followers, [--] engagements "@Ryan_AZRealtor @TheLongInvest AVIS - revenue growth stalled. p/OCF [---]. ROIC is 2%. Where you are seeing 36%" [X Link](https://x.com/ZMam02291/status/2001633300667077063) 2025-12-18T12:39Z [---] followers, [--] engagements "@mikealfred Tyler and team needs to address elephant in the room to change sentiment - that is margins returns depreciation. I have significant position in $CIFR and bleeding. I dont see reversal without addressing core questions. Deals wont impress market anymore" [X Link](https://x.com/ZMam02291/status/2001633757326131631) 2025-12-18T12:40Z [---] followers, [---] engagements "@Ryan_AZRealtor @TheLongInvest Thats one way to look at it. I dont look at this way. This view is ok for swing trade. Btw AVIS has p/OCF [----] which is quite cheap. So not surprised. But not a good parallel with $PYPL" [X Link](https://x.com/ZMam02291/status/2001635763394691575) 2025-12-18T12:48Z [---] followers, [--] engagements "@Ryan_AZRealtor @TheLongInvest Not debate my friend. $PYPL is great. Enjoy" [X Link](https://x.com/ZMam02291/status/2001644448472772811) 2025-12-18T13:23Z [---] followers, [--] engagements "Correct. Challenge with $BMNR is this is dependent (derivative) on $ETH. If $ETH sneezes $BMNR will sneeze by factor of 2-3x. $BMNR only game is to perfect buy / sell timing in other words being excellent in swing trades. This works when $ETH moving up hence making $BMNR single directional bet (lack of policy tools / strategies as only strategy is buy low sell high). This also will have diminishing returns as $ETH starts to plateau in the future (look at $MSTR situation desperate and trying to survive and not file chapter [--] or sell Bitcoins). As far MAVAN goes staking is not incremental and" [X Link](https://x.com/ZMam02291/status/2001855983585239382) 2025-12-19T03:23Z [---] followers, [--] engagements "$SOFI is a great digital bank and future. However immediate challenges that $SOFI needs to address to make stock move up - 1) growth outlook needs to accelerate and more aggressive current valuation is quite rich. Sandbagging will not help. Ambition has to show up. 2) there is lack of clarity on dilution and need for capital. I maintain that there is credit risk looming out there and may be NOTO is sensing that hence shoring up of capital. I have not seen credit quality remain pristine when jobs softness issue out there as well some talk around Auto delinquencies. 3) Some of the additions" [X Link](https://x.com/ZMam02291/status/2003912955134394763) 2025-12-24T19:37Z [---] followers, [---] engagements "Wish had added more. Had [---] shares and a few options. Closed options early this morning. And didnt add more last few days as was not expecting it to run this fast. But again is not my first ride on $ZETA it gives opportunities multiple times. So quite hopeful that will have another one soon" [X Link](https://x.com/ZMam02291/status/2004686548886036660) 2025-12-26T22:51Z [---] followers, [---] engagements "@pdicarlotrader Cant agree more. There is unfilled gap just below $$96 levels all the way down to $85ish. Unless $NFLX clears and closes with higher high / low above $96 its in the danger zone. Though extremely tempting" [X Link](https://x.com/ZMam02291/status/2004916389560385736) 2025-12-27T14:04Z [---] followers, [--] engagements "Hey its the best video on options premium. Thanks for sharing. Love your passion as well thoughts come from the heart and reflects nuggets from someone who has strong operating background. I am [--] months into options premium (mostly short puts) and making good gains every month. I typically close 20% gain in a week (than 50% with 50% time left) but only where I get to that mark in a few cases. Never tried backstop premium love the concept. Will try that for sure. Keep your videos coming" [X Link](https://x.com/ZMam02291/status/2004947371676107095) 2025-12-27T16:07Z [---] followers, [---] engagements "Thought would share bearish view on $SERV as well. Fundamentals are challenged $SERV. I started position but exited now at breakeven. Reasons being 1) $SERVs own projection is to get to $80m revenue in the long term only which keeps it quite small scale micro. That makes forward P/S at +$47. 2) Is not expected to turn to positive Earnings before [----] (4-5 years away) 3) Lacks scale in the long term as well. 4) per robot revenue is declining. Perhaps a buy at price half of current levels. https://twitter.com/i/web/status/2004988750078878018 https://twitter.com/i/web/status/2004988750078878018" [X Link](https://x.com/ZMam02291/status/2004988750078878018) 2025-12-27T18:52Z [---] followers, [---] engagements "@MidlClassMoney @AndrewDudum @wearehims @himshouse Yes while CEO of $HIMS is waiting for another peak so that can sell more of his shares fast" [X Link](https://x.com/ZMam02291/status/2004989000969490876) 2025-12-27T18:53Z [---] followers, [---] engagements "@BMNRBullz He is a great guy and love him. On a lighter note it seems he will make a few go really bankrupt before he is proven finally right - which he will eventually. Lol" [X Link](https://x.com/ZMam02291/status/2005055948491292947) 2025-12-27T23:19Z [---] followers, [---] engagements "Thats correct. In the short term yes its not a great feeling with ETH and BMNR slide so far. In the long run yes he is right. ETH will be a winner and so will be BMNR. Fundamentals support that - 1) growing adoption of ETH 2) future financial rails 3) identity layer to progress as well 4) compliant staking 5) layer [--] addressing layer [--] challenges while layer [--] staying irreplaceable for the most de-centralised / secure blockchain" [X Link](https://x.com/ZMam02291/status/2005059021397688595) 2025-12-27T23:31Z [---] followers, [--] engagements "Hi Fred - i dont understand whats the rivalry with Silver. If BTC has its strength why there is need to even bring something else down. Metal has its own use case esp industrial. May be inflated. May even fall hard but so does BTC. I guess BTC falls even harder. This is quite a negative positioning for BTC when put up for comparison with metals. Every investor has a choice to pick the preferred store of value. Ones who have been early in BTC may see it differently. One who has missed the bus and now staring at current BTC price point may look at it with a different lens" [X Link](https://x.com/ZMam02291/status/2005162208666550701) 2025-12-28T06:21Z [---] followers, [---] engagements "I replied to a another post on $HIMS. My take is $HIMS challenged with fundamentals trend alone wont help and needs to be in conjunction with fundamentals. Challenges $HIMS need to address - 1) rich valuation forward PE [--] in [----] and +50 in [----] demands serious uptake in growth rates. Whereas growth seems to be flattening / decline. 2) address growth issue again ex. Acquisitions. There is hint of underlying growth slowdown ex-acquisitions. 3) notional weight linked compounding growth needs to be addressed as market still thinks its dominant part of the revenue mix whereas there is broader" [X Link](https://x.com/ZMam02291/status/2005223324394332456) 2025-12-28T10:24Z [---] followers, [----] engagements "Broadly agree with you. Only exception - ETH / Solana (esp. ETH) which have real life use cases not just store of value. ETH being adopted by financial system as future payment rails (i know this first hand as work in that sector and confirmed and personally confirmed this with senior folks from org. like Visa and MC as well banks. Bitcoin gave that concept for other block chains to come up with broader use cases. While Bitcoin fails in that beyond store of value ETH developed the most secured and de-centralised ledger that will drive real time payments / [--] hour exchanges / [---] days a year." [X Link](https://x.com/ZMam02291/status/2005298148621853042) 2025-12-28T15:21Z [---] followers, [--] engagements "Well its a matter of having a different view. My view is that ETH having 100k validators and consensus framework offers what no other chain can develop (eco-system). Really strong MOAT. And is deflationary as well. So FIAT currencies in the long run with costs to print carry fraud counterfeit currencies govt control and risking inflation will have to transition to digital. This will not be adopted by my age group i guess but next in line Gen Z and then Alpha will do it faster that you and i can think" [X Link](https://x.com/ZMam02291/status/2005302986097176736) 2025-12-28T15:41Z [---] followers, [--] engagements "@DollarCostAvg I see similar risks. No chance of tick toktweets. ETH and BMNR may have a better future given real life use cases and adoption for real world problems solving. Sentiment is quite bearish" [X Link](https://x.com/ZMam02291/status/2005666969866146141) 2025-12-29T15:47Z [---] followers, [--] engagements "Exactly. I said the same to an earlier post. Window is next few months and with each passing day negotiating power will weaken. Keep in mind $IREN $CIFR alternatives business model is challenged and at risk (mining) and they need bail out. So weaker negotiation power will only get weaker by each passing day. It is not right to compare their deals with $NBIS where business model is well diversified. https://twitter.com/i/web/status/2005698856336646516 https://twitter.com/i/web/status/2005698856336646516" [X Link](https://x.com/ZMam02291/status/2005698856336646516) 2025-12-29T17:54Z [---] followers, [---] engagements "Exactly. Having said both $IREN and $NBIS are quite under valued. $IREN despite inferior deal is under valued. However long term sustenance of business model and broader MOAT in iaas play is more with $NBIS (not even $CRWV due to high debt lack of diversification). $IREN is good swing trade. But $NBIS has a long term hold value. In this space first mover wont matter as much as fast mover. And miners are taking way too long in hope to move out of their current models which are facing strategic risk. https://twitter.com/i/web/status/2005700402587787319" [X Link](https://x.com/ZMam02291/status/2005700402587787319) 2025-12-29T18:00Z [---] followers, [--] engagements "@DrStoxx @IBDinvestors @marketsurge Looks like. But seeing bearish reversal with money flow subsiding. Have done a small short. Pray for megoing against the gurus analysis:)" [X Link](https://x.com/ZMam02291/status/2005734731170865548) 2025-12-29T20:16Z [---] followers, [--] engagements "I have similar views including on $BMNR. I wont call these as outright scams. But business models are deeply flawed. I am not into $MSTR but had bought and closed positions early on $BMNR as i learnt more about the business model. RED FLAGS for me (unlike some $BMNR bulls who refuse to see because they worship Tom Lee so muchlol) - 1) Strategy to keep fund growing lacks any flex and is one directional only with underlying $ETH must have to go up. That is extremely risky. When you manage an operating business there are number of ways one can manage / tweak business to make it work. But lack of" [X Link](https://x.com/ZMam02291/status/2005876659451486649) 2025-12-30T05:40Z [---] followers, [--] engagements "This does not mean i have negative views on $ETH. I think $ETH will go places. But buy ETH directly than expose to this extreme leverage play with significant limitations on tools that management can deploy (only tool is praying $ETH to go up and some how have trading excellence to sell high and buy low). https://twitter.com/i/web/status/2005878097653162307 https://twitter.com/i/web/status/2005878097653162307" [X Link](https://x.com/ZMam02291/status/2005878097653162307) 2025-12-30T05:46Z [---] followers, [--] engagements "@Kross_Roads watched your v-log on BMNR. I would say a bit disappointed as not address some of the core issues. I would urge that for retail investors sake who follow you (including myself) if you can try to address these aspects also for a balanced view on $BMNR. Reason being $BMNR investors are CRUSHED. And reason being there are amplified riskswhich are not addressed up front. I am sharing in the below my Qs for the sake of information to all who listened to one sided views on $BMNR. 1) Isnt $BMNR is policy constrained unlike an operating company with various tools at hand to drive" [X Link](https://x.com/ZMam02291/status/2006116411136225573) 2025-12-30T21:33Z [---] followers, [---] engagements "Think will stay around $25-26 range. I stick to my earlier view (based on operating background) that $SOFI has rich valuation and overhang of capital raise when read in conjunction with employment issue / increase in auto delinquencies persisting inflation will lead to CAUTION. When clarity on this point will shoot to near $40 easily. If otherwise i see downside all the way to $17-18. Both the moves can be QUICK. I stay invested in $SOFI with hedges. https://twitter.com/i/web/status/2006341550058713352 https://twitter.com/i/web/status/2006341550058713352" [X Link](https://x.com/ZMam02291/status/2006341550058713352) 2025-12-31T12:27Z [---] followers, [---] engagements "@Kross_Roads Agree and similar views. Thought i have a few short puts with 50-55 strike range. Premiums are good. And dont mind $PYPL net cost $50 +/-5 mark" [X Link](https://x.com/ZMam02291/status/2006343138974347581) 2025-12-31T12:34Z [---] followers, [---] engagements "@TheLongInvest Was looking at its P/S and is less than $LULU and $DECK. Valuation look rich as earnings not performing. If earnings follow can be cheap at current levels. You are right all depends on turnaround. If CEO bought may be confidence is high" [X Link](https://x.com/ZMam02291/status/2006350428129333397) 2025-12-31T13:03Z [---] followers, [---] engagements "Its an excellent video by Tevis. As well earlier by Tannor. High losses for investors who entered this trade a few weeks back. Key questions from a retail investor on $BMNR 1) are there any other policy tools to manage business other than Tom doing excellent trading decisions and pray $ETH goes up always. $BMNR management should address what they would do in terms of strategic choices when $ETH is not going up to justify RISK-REWARD. I am super big on $ETH and buying loads of it. $BMNR I trimmed position significantly. 2) SUGGESTION - i can tell with confidence huge opportunity for $BMNR if" [X Link](https://x.com/ZMam02291/status/2006423822803902918) 2025-12-31T17:54Z [---] followers, [---] engagements "@TheLongInvest Wow. My regret I bought it a few times at less than $15 mark and each time sold it out of frustration . Have a position now again at $17ish levels" [X Link](https://x.com/ZMam02291/status/2006441826442735794) 2025-12-31T19:06Z [---] followers, [----] engagements "@ZeroHedge_ @Tradingalpha_ Smart move- by announcing it many will start selling out of fear:). And you will manage your exit somewhere along the way. lol" [X Link](https://x.com/ZMam02291/status/2006486836009652680) 2025-12-31T22:05Z [---] followers, [----] engagements "My two cents - is a misnomer. I have operating background and been involved in fintech platforms adoption into large eco systems. It is not easy. Is not as big $$$s as you may see it. Reason being for large financial institutions their current platforms inertia (tech does not want to change or take external platform) data lake issue (issue not in platform but data structures) and internal policy issues (become bottleneck to whatever Ferrari is brought in). Besides there is intense competition and no MOAT. There are host of alternatives available. $SOFI to go up and up they just need to look" [X Link](https://x.com/ZMam02291/status/2006636327304049097) 2026-01-01T07:59Z [---] followers, [--] engagements "@thexcapitalist Its where $GOOGL was earlier in the year. PE is still rich. But technical set up is very bullish and there is breakout. Have started to build position in $AMZN again (3rd ride lets see how this goes). :)" [X Link](https://x.com/ZMam02291/status/2006770527717961914) 2026-01-01T16:52Z [---] followers, [---] engagements "@thexcapitalist looking at this list at a first glance i am sure $JPM has interest linked to most of these stocks :) We should have independence in these kind of lists from institutions" [X Link](https://x.com/ZMam02291/status/2006789140394983454) 2026-01-01T18:06Z [---] followers, [---] engagements "Typically customers dont pay fees on Cards. This refers to more questions for $SOFI 1) is it because rewards are not sustainable without fee. If so is bullish initiative and makes sense. As no point supporting rewards out of pocked. 2) or is it that P&L under pressure due to credit concerns hence addressing yields. if so very bearish. https://twitter.com/i/web/status/2007163169480028487 https://twitter.com/i/web/status/2007163169480028487" [X Link](https://x.com/ZMam02291/status/2007163169480028487) 2026-01-02T18:52Z [---] followers, [----] engagements "@Tim_Sweeney_TAR may be the case. However will differ. This is poor product management to make change right after launch. And in cash back abuse is not limited but significant if appropriate controls caps & collars are not built in. Cash back would attract transactional spend which will not generate NII and would give a bank run for money when top line is not there and costs are piling up. This adds up pretty quickly. $SOFI has done the right thing. And was surprised why they didnt do the first place. I have not seen high value offering credit cards being free of charge. Fee keeps out gaming" [X Link](https://x.com/ZMam02291/status/2007373625792626689) 2026-01-03T08:49Z [---] followers, [--] engagements "Agree and Athena is yet to catch momentum and will be a strong tail wind. My regret as said in a previous post i lost patience and exited a significant position at slight profile in Jul at $15ish average cost. Now re-entered at $17.5 but position is smaller. Added short puts on $ZETA with net price to me if assigned $17ish. And for a change i am hoping i get assigned on those. I think by 3Q26 this will be $30 stock at the minimum. https://twitter.com/i/web/status/2007855759158362112 https://twitter.com/i/web/status/2007855759158362112" [X Link](https://x.com/ZMam02291/status/2007855759158362112) 2026-01-04T16:44Z [---] followers, [---] engagements "@wallstengine $OSCR is multi bagged. Even conservative DCF this can be $25-28 stock" [X Link](https://x.com/ZMam02291/status/2008136060229075153) 2026-01-05T11:18Z [---] followers, [---] engagements "@mvcinvesting $RBRK" [X Link](https://x.com/ZMam02291/status/2008276793472815258) 2026-01-05T20:37Z [---] followers, [---] engagements "Point here to note (and i know some of $SOFI bulls may not like it here) that price cannot move independent of valuation. $SOFI (i exited my position recently and hold modest position now) is great in terms of user interface product breadth management. But much of that is priced in. Beyond this EARNINGS have to product tailwind. (Continue) in addition TRUST by customers esp younger segments is also what goes against the bigger banks. Hence future is for $SOFI $CHYM REVOLUT $NU and likes. Question is at what price though. Valuations are rich in certain cases. For multiples expansion beyond" [X Link](https://x.com/ZMam02291/status/2008576796690968838) 2026-01-06T16:30Z [---] followers, [---] engagements "I have been saying $ETH is primed to de-couple its correlation from $BTC given its multiple use cases which are way beyond just being a store of value. Below chart I mapped BTC / ETH ratio and see it on decline. Which means decline in ETH price is much lower than what is on BTC. Ratio is on the decline and close to [--] now. Used to be +50. In hindsight was a great decision to grow posting in $ETH https://twitter.com/i/web/status/2008954565618811302 https://twitter.com/i/web/status/2008954565618811302" [X Link](https://x.com/ZMam02291/status/2008954565618811302) 2026-01-07T17:31Z [---] followers, [--] engagements "@jimcramer Geo politics - perhaps market not sensing control on managing this through. Execution uncertainty" [X Link](https://x.com/ZMam02291/status/2009547573422608561) 2026-01-09T08:47Z [---] followers, [---] engagements "@ilzmcfly @StockSavvyShay When $HIMS CEO cant help stabbing HIMS competition will surely not" [X Link](https://x.com/ZMam02291/status/2009641848206393518) 2026-01-09T15:02Z [---] followers, [---] engagements "This is partial view. I dont think this is bearish for $SoFI or any other credit card lender on this ground there are other reasons which will play. Reason being - Credit Cards lines (multiples of income credit is offered) are not as high as Loans. Customers take Loans to serve their bigger needs as multiples are higher. Both are serving very different segments. Yes there is that Balance Consolidation aspect but that is of two types (intra cards and loans to cards). Intra cards wont affect $SOFi for having small market share. Balance consolidation from loans to cards risk in this case is" [X Link](https://x.com/ZMam02291/status/2009878066781356515) 2026-01-10T06:40Z [---] followers, [---] engagements "The way math works fee $10 a month is $120 a year is much better than where lets say 20% interest rates x average spend a year $10000 x balance factor 20% ($2000 average balance) x revolve rate lets say 40% = $ $160 per customer revenue. If change that to 10% interest + $120 fee (12x$10) = $200 per card. Its a better position in capital management sense of it. Its more notional. In details - its not much of an issue. $SOFI" [X Link](https://x.com/ZMam02291/status/2009962093588689015) 2026-01-10T12:14Z [---] followers, [--] engagements "My sense is credit card issuers as long as can charge fee to maintain would not see much of a difference. As said in a previous post customer preference of cards over loans is not correct as multiples on income and ticket size and nature of need much different on Loans. So dont see that Loans Cannibalisation angle playing out much of a role. https://twitter.com/i/web/status/2009962783765594616 https://twitter.com/i/web/status/2009962783765594616" [X Link](https://x.com/ZMam02291/status/2009962783765594616) 2026-01-10T12:17Z [---] followers, [--] engagements "@RealJimChanos I guess its more hyped than real difference. Math as follows : Typical credit card proposition assumptions - average spend $10k a year - average balance $2k - average revolve rate 60% - current interest rate 25% That will give per customer revenue per year from credit cards as - [--] x 60% x 25% = $300 per card. If banks able to charge fee lets say $10 per month along with 10% Interest rate. It will be $120 for fees And at 10% and above assumptions - revenue from interest will be = $120 Total revenue per card - $240. Cannibalisation risks (if any) : Loan to cards - minimal as" [X Link](https://x.com/ZMam02291/status/2010010087583297653) 2026-01-10T15:25Z [---] followers, [---] engagements "Guys its kiddish to share such lofty and borderline non/serious projections. $ETH market cap at $3k is around $370billion. At $154000 market cap will $19 trillion. Which means practically everything else has to switch to $ETH to give it even a remote chance. Btw I am heavily invested in $ETH and bullish. But is naive to make such projections which makes no sense and creates false impressions. https://twitter.com/i/web/status/2010021630576341249 https://twitter.com/i/web/status/2010021630576341249" [X Link](https://x.com/ZMam02291/status/2010021630576341249) 2026-01-10T16:11Z [---] followers, [----] engagements "It surely does. Financial rails of the future are $ETH. However keep in mind higher transactions require $ETH be more efficient and push price lower. Along with layer [--] will keep Compute side revenue. Price will still go up give wide adoption. But $19trillion is ridiculous. BTC market cap when $1000 was much lower. Not like $370billion that $ETH already has on its current price levels. I am not challenging bullish case all for it. But not for what I call funny speculative ones without any math behind. https://twitter.com/i/web/status/2010026748772262084" [X Link](https://x.com/ZMam02291/status/2010026748772262084) 2026-01-10T16:31Z [---] followers, [---] engagements "@l3olanza In addition current market cap of existing financial rails (Visa MC PYPL and many others) estimated at $1.2trillion. Just to give perspective" [X Link](https://x.com/ZMam02291/status/2010027678838260057) 2026-01-10T16:35Z [---] followers, [---] engagements "except that institutions must have bought those when price was $0.8 for $OPEN. Will be interesting to see (if you have data) any institutions who bought recently at current prices. Besides institutions will not sell like us retail investors they would when thesis change or macro event or portfolio parameters they need to adhere to. https://twitter.com/i/web/status/2010660122780106765 https://twitter.com/i/web/status/2010660122780106765" [X Link](https://x.com/ZMam02291/status/2010660122780106765) 2026-01-12T10:28Z [---] followers, [---] engagements "@SoFi_Insider Well sounds bearish. Loans doubled in [--] month If so could be adverse selection. Now even more interested in quality of the book. I doubt though there is 2x increase in new loan originations in a month" [X Link](https://x.com/ZMam02291/status/2010815429111927095) 2026-01-12T20:45Z [---] followers, [----] engagements "@BlackPantherCap @TheTechInvest I have covered calls at [--] and [--] on $IREN expiring Mar 20th. Any suggestions what i do esp $55 call" [X Link](https://x.com/ZMam02291/status/2011758132775829674) 2026-01-15T11:11Z [---] followers, [---] engagements "Exactly. Does not make sense to first make him god and folks bough $BMNR in $60s and now as frustration kicking in start to make critique on Tom Lee. My position has been on if only goal is to buy $ETH then buy $ETH direction. For slight mNAV gain is very risky levered play to buy $BMNR. With such a high dependence on underlying $BMNR lacks tools to run as an operating company. Essentially investor takes bullish bet on $BMNR which onwards has binary outcome due to $ETH dependence. When underlying goes against (look at $MSTR) investor money will be fried right away. In contrast an operating" [X Link](https://x.com/ZMam02291/status/2012165547505635455) 2026-01-16T14:10Z [---] followers, [--] engagements "@Hap0606 @PerfectHairGene @mvcinvesting Yes today seems like a BIG RED day. Luckily I exited all my AI positions including $IREN $CIFR on last Friday. I guess will be a buying opportunity today - selective" [X Link](https://x.com/ZMam02291/status/2013536223189512631) 2026-01-20T08:56Z [---] followers, [---] engagements "@Hap0606 @PerfectHairGene @mvcinvesting $ZETA $OSCR $HIMS (starting to look interesting) $PGY on shopping list" [X Link](https://x.com/ZMam02291/status/2013569303103037552) 2026-01-20T11:08Z [---] followers, [--] engagements "@Hap0606 @PerfectHairGene @mvcinvesting Tempting. But have some short calls which were naked as of Friday after I am exited long positions on $IREN. So will be ok on $IREN for now. To me $IREN is a BUY $43 Current levels it can move up / down in a blink of eye. So not at current levels" [X Link](https://x.com/ZMam02291/status/2013572235056025645) 2026-01-20T11:20Z [---] followers, [---] engagements "@EndicottInvests Cant agree more. $PGY is hidden gem in financial sector without balance sheet exposure and fee income. And this price offers great entry" [X Link](https://x.com/ZMam02291/status/2013825594887434664) 2026-01-21T04:06Z [---] followers, [---] engagements "This is called height of optimism ;) I maintain if want exposure to $ETH buy $ETH no point buying levered play in the form of $BMNR for small mNAV premium / gains. Risks far out weigh incremental rewards (remember increase due to $ETH going up is not incremental as would come anyways if you own $ETH incremental is only mNAV as even staking not incremental). There are no policy / operating tools $BMNR has to manage business other than being a glorified trader who can consistently buy low and sell high. Due to overly bullish vlogs by naive / not experienced retail investors there are thousands" [X Link](https://x.com/ZMam02291/status/2013935556833738964) 2026-01-21T11:23Z [---] followers, [---] engagements "Exactly the situation i have been highlighting where policy response in terms of operating actions from $BMNR will be with extreme limitation. This is single directional bet on $ETH and not worth to risk all investing on $BMNR for small mNAV premium. $BMNR cant dilute to buy $ETH now as will be ETH dilutive. Go for operating businesses instead. Best to stay away from levered bets running on fad media hype via naive retail investors who only want vlogs viewers. https://twitter.com/i/web/status/2014028618461225052 https://twitter.com/i/web/status/2014028618461225052" [X Link](https://x.com/ZMam02291/status/2014028618461225052) 2026-01-21T17:33Z [---] followers, [---] engagements "Its down almost 15% from last earnings. I dont see $SOFI going anywhere with FROTHY VALUATION. If in earnings $SOFI not great estimates by a mile (not marginal) and hopefully there is no mention even iota of credit risk in conference call or numbers this price may sustain in bed case. Else this is going down to $20-22 levels. Mark my words. This price prediction not include (should pray not happen) further dilution to raise capital. But if the case and further dilution then be prepared for $20. My price prediction if i assign probabilities: $SOFI beat earnings by a mile +$30-35 (10% chance)" [X Link](https://x.com/ZMam02291/status/2014030218667945992) 2026-01-21T17:39Z [---] followers, [----] engagements "It is impressive. Upcoming earnings will be interesting. $SOFI valuation is very rich. Earnings have to be flawless and materially beat expectations to make a move in $SOFI price. EPS for [----] 37-39 cents and [----] 75-80 cents. At [--] cents in [----] even multiple of [--] gives $32. Assuming [----] EPS [--] cents (higher than estimates) Bear case multiple of [--] $SOFI $24-25 (current levels) Base case multiple of [--] $SOFI $28-29 Bull case multiple of [--] $SOFI $32 And if earnings are flawless materially beat expectations will lead to multiple expansion to lets say at 50-60 in which case PT will be $40-48" [X Link](https://x.com/ZMam02291/status/2015038522806423944) 2026-01-24T12:26Z [---] followers, [---] engagements "I think its heading down to $5.18. Business with zero fundamentals living on hype for some failed investors who wanted to bail themselves out (I bet they long sold position also than waiting for mythical $82 joke). Hype can sustain only this long. Look at balance sheet business model P&L and one realises how scam was made to push up price towards $82 systemically. https://twitter.com/i/web/status/2015401691261313286 https://twitter.com/i/web/status/2015401691261313286" [X Link](https://x.com/ZMam02291/status/2015401691261313286) 2026-01-25T12:29Z [---] followers, [---] engagements "@mvcinvesting Seems he has some inside news from $META. Short term volatility can happen" [X Link](https://x.com/ZMam02291/status/2015402592000766404) 2026-01-25T12:33Z [---] followers, [----] engagements "Yes possibly. I just did DD on the following facts but seems i am missing something or some big $82 picture Revenue growth last earnings QOQ -33% gross margin 7% down from 8% previous quarter price to sales (P/S) would be misleading unlike some software stocks where it matters as gross margins are 80% there. With 7-8% gross margin effective P/S is around [--] which is very high (8% gross margins x revenue as multiples to get to market cap) $1.8b of debt high dependency on rates. But next time will do better DD. https://twitter.com/i/web/status/2015463452899451200" [X Link](https://x.com/ZMam02291/status/2015463452899451200) 2026-01-25T16:35Z [---] followers, [--] engagements "Video just watched. Very nice vlog and worth watching with good research. My view on $SOFI post earnings is a bit bearish and where I would get stuck is valuation not that $SOFI wont deliver great earning. I think of neo-banks $SOFI is amongst top 3-4 around the world and has a great future. Where I get stuck is the following and will be good to know your thoughts on that. - At [--] cents for [----] current price is around [--] multiple. For [----] lets say $SOFI delivers [--] cents EPS (which is aggressive) $32 will be [--] multiples $40 will be [--] multiples. This is extreme bull case. Hence my view" [X Link](https://x.com/ZMam02291/status/2015467416403497107) 2026-01-25T16:50Z [---] followers, [---] engagements "Agree. Growth and reflection in guidance will matter a lot. That can expand multiples. Tight rope. Timing of earning now seems a bit misplaced USD under pressure in the context of Europe - US - Canada. Lets see how futures look like for tomorrow. But looks like a choppy week ahead with sentiments all over. https://twitter.com/i/web/status/2015494662849728691 https://twitter.com/i/web/status/2015494662849728691" [X Link](https://x.com/ZMam02291/status/2015494662849728691) 2026-01-25T18:39Z [---] followers, [--] engagements "I doubt will happen in isolation from $ETH. $BMNR has heavy reliance on underlying. Max it can move up independent of $ETH is to the extent of nNAV premium. That is the problem with all DAT stocks that there is little policy freedom other than pray underlying goes up. And that is not worth taking risk due to levered nature. BUY UNDERLYING that is $ETH that is better. DATs are nothing but glorified super traders who can somehow always sell at high and buy at low. https://twitter.com/i/web/status/2015790751683084512 https://twitter.com/i/web/status/2015790751683084512" [X Link](https://x.com/ZMam02291/status/2015790751683084512) 2026-01-26T14:15Z [---] followers, [---] engagements "My conclusion on DAT ($MSTR and $BMNR) is as follows: [--]. They are glorified perfect traders who can sell high buy low and increase per share crypto holding. Problem with this model is that only works when underlying keeps going up and mNAV =1. When mNAV drops lower than [--] they run out of policy actions and left with only two choices - a) sell low and buy high dilute crypto holding per share; b) take debt to buy. This is a dangerous model with high dependence on underlying. And only model they are left with is pray underlying keeps going up) [--]. This is not worth taking risk given levered" [X Link](https://x.com/ZMam02291/status/2015844732384239831) 2026-01-26T17:50Z [---] followers, [--] engagements "@PerfectHairGene @mvcinvesting $RBRK and $MNDY worth looking into" [X Link](https://x.com/ZMam02291/status/2013329101465997671) 2026-01-19T19:13Z [---] followers, [---] engagements "@DollarCostAvg Excellent call. I went long on $RBRK and got roasted today" [X Link](https://x.com/ZMam02291/status/2016189305119715797) 2026-01-27T16:39Z [---] followers, [---] engagements "Yes this look way too stretched. Kind of growth and that also to your point lumpy valuation now is approaching [--] multiples. Earnings better be hitting it out of the park else is coming down to $900 in a blink. I also think the way being pumped without any news catalyst and obvious risks is not normal. This is an expensive ticket ($1400-$1500 for [--] share) and difficult for retail investors to get in. Something is going on. I wont be surprised there is parallel bet on this to short via options with leverage. And this pre-market pump may be bait. Lets see. We will know in a few hours" [X Link](https://x.com/ZMam02291/status/2016359312252404221) 2026-01-28T03:54Z [---] followers, [--] engagements "Well are you sure you are looking at $OPEN financials and didnt open up any other by mistake As i see 2Q25 revenue $1.56b and 3Q25 revenue $0.9b (-33% QoQ use calculator so not to make an error perhaps). With gross margin in 2Q25 8.17% declined to 7.21% in 3Q25. I hope you did good DD on its financials I strongly recommend you should. Frankly if you have conviction i wish all good for your investment and hope works for you. I just shared my opinion not a debate. Hey but do take a look at financials to make sure your conviction is based on numbers doesnt seem like. Enjoy my friend." [X Link](https://x.com/ZMam02291/status/2016556716981371331) 2026-01-28T16:59Z [---] followers, [--] engagements "Good luck my friend. I think $SOFI will do great. And deserves to grow multiples but will be linked to fundamentals and business growth only. There is a reason it is 20% down from last earnings. Market is not foolish. I dont see it going up based on hype or in apples / oranges comparison with $PLTR which is a different sector / MOAT quality. Theres no other PLTR there are a few $SOFIs and more will come. https://twitter.com/i/web/status/2016580190688903295 https://twitter.com/i/web/status/2016580190688903295" [X Link](https://x.com/ZMam02291/status/2016580190688903295) 2026-01-28T18:32Z [---] followers, [---] engagements "Agree and is a better metrics. And think that would be around [--] mark as well projected. Can perhaps stretch further. I do hold small position now (used to be bigger). My only point is that earnings have to perfect with material beat to move the needle on multiple expansion. Not fake pumps / meme tweets that would do the trick. I do $SOFI going much higher. Comparison with $PLTR etc is naive $PLTR is with super strong MOAT hence surviving crazy valuation. In addition $PLTR profit margin is 28% almost 2x times of $SOFI. And with zero credit risk. $SOFI is exposed to lending risk / market" [X Link](https://x.com/ZMam02291/status/2016592884062187907) 2026-01-28T19:23Z [---] followers, [--] engagements "@Tim_Sweeney_TAR Correct and well covered. Just add one more point. There is options expiry also today. So may be some effort as well to keep below a certain strike. I didnt check. But suspect could also be. Earnings were great" [X Link](https://x.com/ZMam02291/status/2017256426817958335) 2026-01-30T15:19Z [---] followers, [---] engagements "Its on the contrary. $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great. But EPS is weak. [--] cents guide means $30 price would be on [--] forward multiples. $25 price [--] forward multiples. These are very high multiples for a bank with lending exposure / balance sheet. I dont see this moving but down only towards $18 levels unless EPS goes to [--] cents levels for stock price to lift up to $30 levels again. https://twitter.com/i/web/status/2017460454097096786 https://twitter.com/i/web/status/2017460454097096786" [X Link](https://x.com/ZMam02291/status/2017460454097096786) 2026-01-31T04:50Z [---] followers, [---] engagements "$SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping pace with customer growth but something to watch out far). Main issue is valuation" [X Link](https://x.com/ZMam02291/status/2017462933853507924) 2026-01-31T05:00Z [---] followers, [--] engagements "I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping" [X Link](https://x.com/ZMam02291/status/2017463643261272392) 2026-01-31T05:03Z [---] followers, [--] engagements "I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping" [X Link](https://x.com/ZMam02291/status/2017463748202795251) 2026-01-31T05:03Z [---] followers, [---] engagements "I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping" [X Link](https://x.com/ZMam02291/status/2017463826627834336) 2026-01-31T05:03Z [---] followers, [---] engagements "Possibly yes. Only issue i have with sandbagging is marginal is ok but if material then that does not build confidence with investors to have ability to forecast earnings or develop any positions. That is why i said if [--] cents EPS guide $SOFI turns out to be +10% higher lets say [--] cents that is ok and make sense. But if this comes out to be 75-80 cents then that raises questions of different nature. Miss on either side is bad the end of the day as investor would find difficult to do capital allocations. I am down now as had a position and build a bit before earnings also via options but" [X Link](https://x.com/ZMam02291/status/2017467191961244119) 2026-01-31T05:17Z [---] followers, [--] engagements "My friend that is exactly the point. There are two aspects - 1) amazing growth; 2) EPS. Now amazing growth is well captured in the current valuation. $30 price would mean [--] multiple. Why one would pay [--] multiple for a business that is exposed to significant lending balance sheet and macro risks Market is not stupid. Finally ask any experienced hand in lending space would tell you that growing top line (customer and revenue growth) is a matter of how much of flood gates once is willing to open. Irrespective $SOFI is great execution play doing well even great but is no $PLTR kind of MOAT and" [X Link](https://x.com/ZMam02291/status/2017619078631068054) 2026-01-31T15:20Z [---] followers, [--] engagements "Its the best analysis i have seen on $SOFI so far and makes lot more sense. I did not like FAKE PUMPERS on $SOFI who without referring to numbers keep pumping stock (like you did and hit the nail on the head and did a dispassionate analysis). $SOFI issue is not great execution it has already demonstrated that and well ahead. $SOFI issue is not top line numbers (customer growth and revenue growth) as that is also well demonstrated and well ahead. $SOFI issue is valuation that above is priced in stock already. If anything it is still generously valued. In lending heavy businesses thing to" [X Link](https://x.com/ZMam02291/status/2017628959203332577) 2026-01-31T16:00Z [---] followers, [---] engagements "Its a matter of view. I see @TJTheWheelDeal analysis as a good one. Future is always bright. I am only taking into account $SOFI sharing itself [----] EPS guidance at [--] cents. That means $24 at [--] multiples. And $30 at [--] multiples. If you see value in that you are welcome and investing is personal decision. I was disappointed as expected EPS guidance at 75-78 cents range. This makes it expensive valuation in the near term. In 10-20 years who knows. Thats a matter of assumption and excel play. https://twitter.com/i/web/status/2017642568155312504" [X Link](https://x.com/ZMam02291/status/2017642568155312504) 2026-01-31T16:54Z [---] followers, [--] engagements "$open is likely go lower. I did some swing trades average enter $1.5 and exit or $7+ levels. Problems with $open is fundamentals. Fake pumps / memes orientation can only take it this far. Fundamentals are terrible. QoQ growth is -33%. Low margin (mid single digit). Heavily leveraged. And exposed to macro risks. And its management spends more time on media / twitter than doing work. They also now think that with tweets they can take it to higher price. They need to focus on fundamentals. Price will follow. For now I see it going much lower $3 levels in the near term. I did predict $5.18 a" [X Link](https://x.com/ZMam02291/status/2017649174473560574) 2026-01-31T17:20Z [---] followers, [---] engagements "@House_Stark12 @ericjackson @RandianCapital Yes require massive overhaul. And agree for it to change its future is 1) protect margins 2) reduce expenses - AI / digital 3) focus on work and avoid twitter (on a lighter note):) Current financials basis is not worth more than $1" [X Link](https://x.com/ZMam02291/status/2017670188548936060) 2026-01-31T18:43Z [---] followers, [--] engagements "@rajvgurudev @DazzDaBozz @LandoInvests Will be very happy if it does. I hold position in $sofi. I am just sharing dispassionate views on earnings" [X Link](https://x.com/ZMam02291/status/2017782091191357817) 2026-02-01T02:08Z [---] followers, [--] engagements "(Continue) in addition TRUST by customers esp younger segments is also what goes against the bigger banks. Hence future is for $SOFI $CHYM REVOLUT $NU and likes. Question is at what price though. Valuations are rich in certain cases. For multiples expansion beyond this would need strong / flawless earnings. @danielnewmanUV Large banks are threatened by neo banks for [--] reasons - 1) fintechs / neo banks used to specialize in verticals (payments or trade or lending etc) and not connected horizontally to offer to clients services across the continuum of needs. That is changing and Fintechs like" [X Link](https://x.com/ZMam02291/status/2008574822490743266) 2026-01-06T16:22Z [---] followers, [---] engagements "Tells about the IQ when I did not refer to $ETH wont be financial rails but referred to that use as financial rails does not mean benefit goes to $ETH alone but most of it will be with layer [--] (revenue share will go there). Anyways not a competition on IQ. Next time read carefully apply some more grey matter and stay away from personal comments. Thank you. https://twitter.com/i/web/status/2017636293258449403 https://twitter.com/i/web/status/2017636293258449403" [X Link](https://x.com/ZMam02291/status/2017636293258449403) 2026-01-31T16:29Z [---] followers, [--] engagements "$ETH thesis is correct to the extent of replacing /future financial rails. Where that is wrong is expecting price action due to more transactions on ETH. That benefit and delicious lunch will be eaten by layer [--]. Best way to describe it that revenue linked to $ETH use (reward) is split into high value add (compute) and low value add (store essentially glorified warehouse). High value add reward to be kept by layer 2s. For $ETH thesis to play need to disintermediate layer [--]. Else i see high use but not massive price action. Would still go up but no where close to what Tom Lee keeps predicting." [X Link](https://x.com/ZMam02291/status/2017669630236758121) 2026-01-31T18:41Z [---] followers, [---] engagements "Defeats the thesis. $BMNR proposition has been that no debt. Anyways the very reason i have been against $BMNR and other such DATs is there are lack of policy tools they have unlike an operating company which if no revenue can manage business in many other ways. DATs are just glorified traders who can sell high buy low to grow $ETH however that does not work in case of mNAV1. This is only sunny days strategy. And my argument has always been to why not buy $ETH directly. Now taking on debt to buy more $ETH means more leverage kicking in and increases risk. As well no one knows if $ETH bottom" [X Link](https://x.com/ZMam02291/status/2018228723821285469) 2026-02-02T07:43Z [---] followers, [---] engagements "Expensive stock at current valuation. With [--] cents guidance $24 at [--] forward multiples and $20 at [--] forward multiples. For a company with lending exposure and as well exposed to macro risks risky. Price to get is less than [--] forward multiples - that is around $16-18 range. That too living with a risk of dilution. As well there was slight uptick in last quarter in losses of Personal Loans gone up from 3.36% to 4.46%. Best to wait for a better entry. https://twitter.com/i/web/status/2018231651332231565 https://twitter.com/i/web/status/2018231651332231565" [X Link](https://x.com/ZMam02291/status/2018231651332231565) 2026-02-02T07:54Z [---] followers, [---] engagements "Likely not. I have been trying to warn but guess $SOFI bulls hate me for saying. My $SOFI portfolio is bleeding as well but he fact is earnings were not good. Guidance was a disappointment. In lending growing customer revenue is a matter of CHOICE and how much of flood gates one is willing to open. That is / never should be the reason for lending centric balance sheets play. Earnings were bad due to earlier dilution perhaps. But whatever be the case market is not in agreement. https://twitter.com/i/web/status/2018334287532380613 https://twitter.com/i/web/status/2018334287532380613" [X Link](https://x.com/ZMam02291/status/2018334287532380613) 2026-02-02T14:42Z [---] followers, [---] engagements "Dont think so is matter of celebrating being bear on $SOFI for a change. But earnings were disappointing esp. guidance. I continue to say in lending centric businesses growing top line is CHOICE and not difficult matter of opening flood gates. I just called spade a space instead of fake pumps. https://twitter.com/i/web/status/2018334806497771681 https://twitter.com/i/web/status/2018334806497771681" [X Link](https://x.com/ZMam02291/status/2018334806497771681) 2026-02-02T14:44Z [---] followers, [---] engagements "While have been tweeting earlier reasons for $SOFI fall being over-valued despite stellar results now tweeting here that at $20 (around [--] forward multiples or so) is attractive and can start DCA up / down from here. Also remember for lending businesses never buy / pump stocks based on top line growth (customer / revenue) as that is a MATTER OF CHOICE based on risk appetite and pricing. Give me any lending business good or bad will make it 2x 4x whatever as all depends on how much of flood gates one likes to open and what is the risk appetite of the organisation. Valuation of a lending" [X Link](https://x.com/ZMam02291/status/2019103636601860501) 2026-02-04T17:39Z [---] followers, [----] engagements "At this price i agree now is attractive entry point. Though is likely heading lower to $16-18 levels first. Good to DCA down and start a position. Jobs situation wont help with the lending centric balance sheet. So expect slower recovery not before next earnings as i see it. $SOFI. BTW i was right in calling out ahead of earning that is quite expensive at $25+ range in terms of valuation and weak guidance. Reminder for everyone (esp. for the ones who have not been close to lending centric balance sheets) - Top Line growth in lending is a CHOICE. At most is good execution. Nothing more. What" [X Link](https://x.com/ZMam02291/status/2019413846944018837) 2026-02-05T14:12Z [---] followers, [---] engagements "True. But so is most of the lending centric that there are fees. Including banks have significant proposition of revenues coming from fees. Balance sheet risks when there uncontrollable. That does not mean $SOFI is not managing it well. They have been and have done so well. Risks i see / flags to watch for: - Given liquidation curve catch up growth in lending means to acquire more and more which means running uphill have not seen even the best in lending businesses around the globe able to sustain this. Unless there is step down in FICO and expand risk appetite. Something to watch growth in" [X Link](https://x.com/ZMam02291/status/2019442097116655912) 2026-02-05T16:04Z [---] followers, [---] engagements "@TravisHoium Interesting perspective. You mean $HIMS intentional to position it that way to lure in $NVO for legal battle or settlement (heads i win tails you lose)" [X Link](https://x.com/ZMam02291/status/2019448329181012376) 2026-02-05T16:29Z [---] followers, [----] engagements "Yes but forward PE is [--] approx. Thats the one to look at. But standalone wont tell unless overlay with two additional information 1) growth in earning $RDDT is on steroids. 2) Really high margin At this price is attractive entry to start building position. 1) Buy outright 30-40% and then DCA up / down 2) Compound with short put Mar 20th expiry ATM https://twitter.com/i/web/status/2019872110630560233 https://twitter.com/i/web/status/2019872110630560233" [X Link](https://x.com/ZMam02291/status/2019872110630560233) 2026-02-06T20:33Z [---] followers, [---] engagements "@MichaelRohland7 Yes has bottomed it seems. I went long and added $20 mark. Think next resistance at around $22 and then $25 mark" [X Link](https://x.com/ZMam02291/status/2020090167663685713) 2026-02-07T11:00Z [---] followers, [--] engagements "Frankly facts are different. $BTC is only store of value which is correct. But $ETH is much more than store of value. $ETH as layer [--] is already on which stablecoins being issued and Organisations like $V and $MC have active use cases built on $ETH. This is disinflationary as well. Along with there is yield mechanism to reward / burn balance. Perhaps you dont know how fast transactions run on $ETH rails growing. You are right to an extent perhaps that there is layer [--] competition and eating $ETH lunch in terms of yield / rewards share on a transaction. Like-like while $BTC is still pioneer" [X Link](https://x.com/ZMam02291/status/2020123372722778435) 2026-02-07T13:11Z [---] followers, [--] engagements "Yes. Ironic as is perhaps market takes it as the one with lending balance sheet whereas $PGY is B2B and lending (auto home and loans) are acquired to place into ABS instruments. There is first losses principle $PGY follows and keeps 5% on the books. Rest is all off-balance sheet. So contained exposure with fee income. Beautiful business. $PGY needs to invest on to people who can come and present results. Their earning call was horrible. They cant even tell a good story properly. Management failed to convince that risk management is more critical than top line revenue. And in lending is risk" [X Link](https://x.com/ZMam02291/status/2021666407482896690) 2026-02-11T19:23Z [---] followers, [---] engagements "@OmerCheeema To provide opportunity to investors to get in and buy stock again in $600ish after 4Q earnings:)" [X Link](https://x.com/ZMam02291/status/1995085412738670888) 2025-11-30T11:00Z [---] followers, [--] engagements "Is more aligned to my PT $SOFI. I shared the time of easrnings that expecting $45 $60 and some I have seen crazy PTs of $75 not likely as stock cant run in front of its valuation so much. Valuation was expensive and i wrote at $30 it was forward PE of [--]. Based on EBITDA and below rating [--] multiple is very reasonable and with cautious optimism. This is +50% upside from today price. I started loading the boat at $19-20 range and is still time. One can expect clean / easy 30-40% upside from current levels. Anything beyond $30 PT $SOFI will have to improve earnings. I dont see any other way." [X Link](https://x.com/ZMam02291/status/2020776217662943258) 2026-02-09T08:26Z [---] followers, [---] engagements "@jonathan_binsid I short $MU and $ASML on Friday. Looks like good decisions so far. Expect to make good gains on both today. $SLV short was small and not working but will keep adding to position if moves up" [X Link](https://x.com/ZMam02291/status/2020821909055942692) 2026-02-09T11:27Z [---] followers, [---] engagements "Reason is simple. Same applied for $SOFI also. Price action is not reflective of any negative. Is just re-rating of multiples to more grounded levels. $SHOP despite this 12% drop is [--] forward PE 16PS. Is not real. It worked in bull market wont now. Same for $SOFI wont operate at [--] multiple anymore (60cents outlook and $30 PT would be [--] multiples). Not reflective of their performance. Was stellar. It is just re-rating. PEG (growth factor) is offset against lending balance sheet risk on $SOFI. I did call out that before earnings despite some crazy speculative PTs on $SOFI. It proved to be" [X Link](https://x.com/ZMam02291/status/2021621842864447963) 2026-02-11T16:26Z [---] followers, [---] engagements "@Kross_Roads @StockMarketNerd Oh he meant $OPEN and $ASST are serious investments and not cult and whatever even when have made retail investors bankrupt by n large" [X Link](https://x.com/ZMam02291/status/2021640286720733487) 2026-02-11T17:39Z [---] followers, [---] engagements "Earnings standalone not able to dictate positive price action as overall bearish sentiment during which RE_RATING is happening. Valuations are crazy. $SHOP forward PE is around [--] mark. There is no way that wont get re-rated. $SHOP is doing great but just being grounded to reality and more reasonable valuations. https://twitter.com/i/web/status/2021680584809128110 https://twitter.com/i/web/status/2021680584809128110" [X Link](https://x.com/ZMam02291/status/2021680584809128110) 2026-02-11T20:19Z [---] followers, [---] engagements "$NBIS i said in another post - my take (as you can guess is purely subjective) Scenario 1: Do really well $NBIS sells off still though soft landing Scenario 2: Any miss on [----] / [--] Q or forward guidance $NBIS slides to $60ish right away Scenario [--] / [--] along with dilution: Perhaps slide to $50 levels Scenario 3: Any association with OPEN AI PT $40. What i have done - i had around [---] shares i sold today / yesterday in profit. Replaced with some aggressive short puts. With half of puts along with a strangle. https://twitter.com/i/web/status/2021681548068892848" [X Link](https://x.com/ZMam02291/status/2021681548068892848) 2026-02-11T20:23Z [---] followers, [---] engagements "@weary_centurion Yes - where prices are and how dirt cheap $PGY valuation is now buy back makes lots of sense. Its valuation is like it will negatively grow or terminal value have to be discounted significantly" [X Link](https://x.com/ZMam02291/status/2021669833117712478) 2026-02-11T19:37Z [---] followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@ZMam02291 zamgmail zam
zamgmail zam posts on X about $sofi, $eth, $bmnr, future the most. They currently have [---------] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours.
Engagements: [-------] #
- [--] Week [-----] +24%
- [--] Month [------] -1.30%
- [--] Months [------] +11,460%
- [--] Year [------] +1,837%
Mentions: [--] #
- [--] Month [--] -98%
- [--] Months [---] +3,433%
- [--] Year [---] +370%
Followers: [---------] #
- [--] Week [---] +2.50%
- [--] Month [---] +10%
- [--] Months [---] +152%
- [--] Year [---] +156%
CreatorRank: [---------] #
Social Influence
Social category influence stocks finance cryptocurrencies technology brands countries automotive brands social networks fashion brands travel destinations currencies
Social topic influence $sofi, $eth #1240, $bmnr #144, future, matter, stocks, bearish, $hims, business, pakistan
Top accounts mentioned or mentioned by @timsweeneytar @krossroads @dollarcostavg @thelonginvest @mvcinvesting @siasatpk @mikealfred @tariqmateen @kenmegan44 @perfecthairgene @ahmadnoorani @pdicarlotrader @danielnewmanuv @bmnrbullz @thetechinvest @thexcapitalist @ryanazrealtor @hap0606 @galkrubiner @nayapakistan
Top assets mentioned RAI Finance (SOFI) Ethereum (ETH) BITMINE IMMERSION TECH (BMNR) Hims & Hers Health, Inc. (HIMS) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Cipher Mining Inc. Common Stock (CIFR) Iris Energy Limited (IREN) PayPal Holdings Inc (PYPL) Strategy (MSTR) Opendoor Technologies Inc Common Stock (OPEN) ZetaChain (ZETA) Nebius Group N.V. Class A Ordinary Shares (NBIS) Rubrik, Inc. (RBRK) Bitcoin (BTC) Palantir Technologies Inc. (PLTR) Alphabet Inc Class A (GOOGL) Costco Wholesale Corporation (COST) Oscar Health, Inc. (OSCR) Chime Financial, Inc (CHYM) NuCypher (NU) Novo-Nordisk (NVO)
Top Social Posts
Top posts by engagements in the last [--] hours
"@FrontlineKamran Law kahan toota Kia idiot journalist hai yai. Dirty Harry nai photos dee tau program kar diya"
X Link 2022-12-14T17:54Z [--] followers, [--] engagements
"@QalandarInRuks @Fallibilist1 Our defenders busy conquering own country political parties. Latest is now after fertiliser and commercial land they are after agri land also. Why we need army then. Just shake hand with India and get rid of army and spend on education and social uplift"
X Link 2023-07-11T19:38Z [--] followers, [--] engagements
"@MohUmair87 @tariqmateen He should get himself checked by a good mental health expert"
X Link 2023-11-28T08:02Z [--] followers, [--] engagements
"@saqibbashir156 @MashwaniAzhar He needs some good mental health expert. Lost in frivolous points"
X Link 2023-11-28T08:03Z [--] followers, [--] engagements
"@SdqJaan @RaheeqAbbasi Faiz Isa for a reason said to remove supreme from supreme court. He is compromised judge and got bailed out by Bajwa after his tax issue"
X Link 2023-12-02T15:44Z [--] followers, [--] engagements
"@cyalm We knew it the day he got bailed out in tax apartments in London issue. He just did image building thru guys like you"
X Link 2023-12-13T13:38Z [--] followers, [--] engagements
"@AWaheedDogar @AzharSiddique Exactly. Aur phir Nawaz sharif nai Bajwa ko extension dai dee yai intellectual level ka haal hai poori nation ko bewaqoof samjha hooa hai"
X Link 2023-12-16T09:23Z [--] followers, [--] engagements
"@Ordinary_Girl9_ @javerias B should be trialed for his murder"
X Link 2023-12-26T16:18Z [--] followers, [--] engagements
"@tariqmateen Is nai chief chaukeedar ko appoint kia hai"
X Link 2024-01-16T17:16Z [--] followers, [--] engagements
"@ahmadwaraichh @Ahmad_Noorani Murderers chaukeedars aur police qatal hai"
X Link 2024-02-05T20:25Z [--] followers, [--] engagements
"@tariqmateen Because he knows nothing can happen. Qazi kee adaalat aur chaukeedars will protect him perhaps even make some PTI wala responsible perhaps arrest poor old mans son and make him responsible for the murder"
X Link 2024-02-05T20:27Z [--] followers, [--] engagements
"@iwaseemmalik @tariqmateen Qazi - achha kia election ho gaya"
X Link 2024-02-17T09:14Z [--] followers, [--] engagements
"@ShazadAkbar Because duffers next move is to remove him (set him as an example so no one else dare again next [--] years) move Amir Farooq to Supreme Court as his reward and make Gul Hasan as next CJP (senior most after Kiyani) and then give CJP extension. Conspiracy is deep and wide"
X Link 2024-04-08T15:19Z [--] followers, [--] engagements
"@Lataqnatuu @PakForeverIA Day when Bajwa led boots did ghadaari with Pakistan for one seat / one post / one position. Sad day indeed"
X Link 2024-04-09T10:40Z [--] followers, [--] engagements
"@DrSadia_PTI They are attacking own country men now everywhere only for their one prized post and their business empire"
X Link 2024-04-13T10:05Z [--] followers, [----] engagements
"@siasatpk @mujibshami1 Frankly until unless criminal generals are brought to justice nothing will help Pakistan. They for one chief post have done conspiracies and ghadaari with own country"
X Link 2024-05-08T17:44Z [--] followers, [--] engagements
"@Naya__Pakistan_ Kis banana republic mai aa gaya hain"
X Link 2024-05-16T08:00Z [--] followers, [---] engagements
"@siasatpk . Banana republic"
X Link 2024-06-03T10:41Z [--] followers, [--] engagements
"@QayyumReports Yes including in Pakistan where fascist in power and you are their prime spokesperson. Fascist judges puppets (PDM 2.0) and their backers (boots)"
X Link 2024-06-05T03:15Z [--] followers, [--] engagements
"@Ahmad_Noorani Exactly. Like so many else got exposed these human rights organisations exposed also from within these are only funded by boots"
X Link 2024-06-15T16:29Z [--] followers, [--] engagements
"@ShakirAwan88 That money should be paid to poor artist from the salaries of chief chaukeedar and chief judges"
X Link 2024-06-18T16:27Z [--] followers, [---] engagements
"@siasatpk This beghairat along with his backers in neutrals mercilessly beaten women and kids in Pakistan"
X Link 2024-07-06T02:08Z [--] followers, [--] engagements
"@javeednusrat Because you dont have the moral courage to call spade a spade and throwing everyone to social media which is a global reality not help but just portrays you as an apologist or accomplisher"
X Link 2024-07-21T06:42Z [--] followers, [--] engagements
"@balochi5252 @PTIofficial Mafia gang hai Pakistans helm of affairs for [--] years"
X Link 2024-07-23T14:32Z [--] followers, [--] engagements
"@Razarumi @wajahatmasood He is the most intellectually dishonest person supporting black human rights violations under one pretext or another"
X Link 2024-08-10T11:43Z [--] followers, [--] engagements
"@PravinSawhney Thanks and wish the best for the upcoming one of India. May we live in peace always"
X Link 2024-08-14T04:17Z [--] followers, [---] engagements
"@DurraniViews Only his cronies were making that narrative that economy growing at 6% for two consecutive years is at the verge of default. He needs a better informed researcher for sure"
X Link 2024-08-21T15:51Z [--] followers, [--] engagements
"@Naya__Pakistan_ lol. They are a political party themselves"
X Link 2024-09-19T15:58Z [--] followers, [--] engagements
"@ARYSabirShakir Mafia ghunday in power in Pakistan"
X Link 2024-09-28T09:55Z [--] followers, [--] engagements
"@Ahmad_Noorani Surprised you didnt notice from Jokhio murder cover up and numerous other events"
X Link 2024-10-19T14:33Z [--] followers, [--] engagements
"@siasatpk This tout and basard child of boots shut his eyes on human rights violations and every night after speaking with his mothers friends start communicating threats no mercy"
X Link 2024-12-19T21:25Z [--] followers, [--] engagements
"@siasatpk And in Pakistan majority is insecure"
X Link 2024-12-27T16:48Z [--] followers, [--] engagements
"@RichardGrenell Be prepared for such fake news mostly orchestrated by and promoted by Pakistani establishments alias accounts. Pakistani establishment and regime that has stolen elections will do this to defame / cause confusion. Perhaps you know in Pakistan you are quite popular now"
X Link 2024-12-28T14:28Z [--] followers, [--] engagements
"@Razarumi Oh shut up.shutting eyes on atrocities in Pakistan and dollar funded journalism"
X Link 2024-12-28T17:36Z [--] followers, [--] engagements
"@ShahidMaitla Disagree completely. Its proven now JKT was a tout planted within. So was Aleem Khan whom Bajwa wanted to make CM and a key reason of rift. Al-qadir case was in dustbin the day Faiz Isa court had Mashreq Bank response submitted and Faiz Isa then ran away"
X Link 2025-01-17T09:24Z [--] followers, [---] engagements
"@SHABAZGIL We are busy taking decisions from Supreme Court thats why"
X Link 2025-05-08T05:12Z [--] followers, [---] engagements
"@rizwanghilzai At least release sher bano mother in this situationunity is strength"
X Link 2025-05-08T20:58Z [--] followers, [---] engagements
"@rizwanghilzai Banana republic hai Mughal e Azam in power using unbridled powers (unconstitutional powers though)"
X Link 2025-08-17T12:52Z [--] followers, [---] engagements
"@RentYourStocks $CNC is more medaid and not so ACA focused"
X Link 2025-08-22T20:32Z [--] followers, [---] engagements
"@jbelizaireCEO @SolunaHoldings Like updates. Investor in SLNH. Yesterday comm could have been better. Are SLNH HPC ambitions on track or you see execution risks or lack of finances"
X Link 2025-10-07T19:27Z [--] followers, [---] engagements
"@mikealfred Treasury yields went up seems QT end indicated weakening in economy not very bullish"
X Link 2025-10-29T18:11Z [--] followers, [----] engagements
"@DollarCostAvg Guys hype is such as something big gonna be on Monday. If not you know how would be deflation of balloon effect. I hope there is some news. If none would deflate big time. I have big position and nervous now"
X Link 2025-11-02T04:55Z [--] followers, [---] engagements
"@TJTheWheelDeal Besides i loved your comment on there are two sides of coins:)"
X Link 2025-11-05T11:50Z [--] followers, [--] engagements
"@tphuang Disagree. SAMA comment was out of context. OpenAI $20b revenue projecting $100b in 1-2 years. x5 means $0.5trillion and even higher valuation. Projected spend $1.5trillion over [--] plus years. Dont see any issues. Adjustments can follow in phasing it further or slight cuts"
X Link 2025-11-08T17:38Z [---] followers, [----] engagements
"@JamesWynnReal alternate view - S&P is driven by tech that has 38% weight important to note that tech (esp. Mag 7) growing revenue at insane rates (NVDA +50% as an example) leading to instance FCF OCF and earnings growth. And that is unseen / unheard. So no bubble as funded via FCF not debt"
X Link 2025-11-09T04:22Z [---] followers, [---] engagements
"@Kross_Roads @AjayNabh1 $PYPL main friction is first having to fund or auto debit set up from a funding source whereas better options available more seamless also. PYPL not adopted by Gen Z (Ref: Dataset 17.8%). Much lower than older cohorts. Dont see any future for PYPL its slow death"
X Link 2025-11-16T14:56Z [---] followers, [---] engagements
"@Kross_Roads @Mr_Derivatives It does. I said it before that cant ignore strategic risk to $PYPL model. Its cheap for a reason value trap. Cash cow generate cash till goes to extinction. Reasons 1) higher friction in journey vs neo-banks / fintechs 2) younger generation adoption is low"
X Link 2025-11-20T17:50Z [---] followers, [---] engagements
"@Tim_Sweeney_TAR @WilliamMo1 Great analysis. Only addition - given mNAV [--] now BAT cant issue / buy more and do treasury action. To take benefit of Eth going lower BMNR will run out of viable options. That single biggest risk with single direction treasury. Besides Bull Case is not super attractive"
X Link 2025-11-21T06:29Z [---] followers, [--] engagements
"@jeffye888 @RandianCapital $OPEN is pumped up stock kiddish approach propping it $82 and memes around it. Good for day trading only. Fundamentals are zero in an industry where volume lacks (unlike CVNA industry)"
X Link 2025-11-21T12:01Z [---] followers, [---] engagements
"@Kross_Roads Correct. And wasnt good that EPS in earning was deceptive. As well this tells single point of success / failure if ETH price and FED action. If any move lower in ETH or no rate change BMNR likely go to single digits pretty quickly. Very high risk game"
X Link 2025-11-22T15:03Z [---] followers, [----] engagements
"@Kross_Roads Thats not correct. Thats assuming linear relationship in ETH / BMNR. Reality is mNAV discount will play in and widen as ETH drops. My calc. Assuming mNAV discount widens in bear market to 30-60% BMNR goes to single digit price with ETH falling below $1800-2000 levels"
X Link 2025-11-22T15:21Z [---] followers, [---] engagements
"Besides ETH and as a result BMNR are risk-on assets. Hence directly tied to liquidity that is linked to FED / rates. If no rate cut money will not flow into risk-on assets. Hence the dependency and cant be ignored. ETH price standalone not say much. @Kross_Roads Thats not correct. Thats assuming linear relationship in ETH / BMNR. Reality is mNAV discount will play in and widen as ETH drops. My calc. Assuming mNAV discount widens in bear market to 30-60% BMNR goes to single digit price with ETH falling below $1800-2000 levels. @Kross_Roads Thats not correct. Thats assuming linear relationship"
X Link 2025-11-22T15:28Z [---] followers, [--] engagements
"@cryiepto @Kross_Roads Thats correct and never disagreed. Just that its a single directional bet. If works out will be out of the park. But comes with multiple risks. There are investors sitting on 70% drop now within a month or so and thats the risk. I am investor in BMNR also but reduced position"
X Link 2025-11-22T16:38Z [---] followers, [--] engagements
"@PeeTapeExpert @Kross_Roads Spot on. That is the key risk. Just like mNAV premium will boost BMNR price mNAV discount would be opposite and accelerate downfall. And thats when BMNR runs out of tools / actions. Not for rainy day. For sunny day best stock / great upside"
X Link 2025-11-22T16:43Z [---] followers, [---] engagements
"@hebagowayed @DanielleFong May i meet you moment"
X Link 2025-11-22T18:21Z [---] followers, [--] engagements
"@BritishHodl @JanvanEck3 @vaneckpk @vaneck_us Curious whats driving the sell out. Is prop not there anymore or any other reason. Whats your views on Eth and Sol. I dont have Bitc as such but have some Eth and Sol for utility reasons. Will be great if you can share your perspective"
X Link 2025-11-23T13:25Z [---] followers, [--] engagements
"@mikealfred Yes it seems market makers manipulate to get weak hands out and let their masters / whales to re-enter rally they completely missed"
X Link 2025-11-24T15:35Z [---] followers, [---] engagements
"@JamesWynnReal @dotkrueger lol. Clearly a trader long on BTC as well"
X Link 2025-11-27T16:34Z [---] followers, [---] engagements
"@mr_tee_____ @officerwoos Yes nice setup. In addition there is gap above not seem like any resistance to +700 levels. Needs to confirm on Monday if confirmation all the way up to +700 like knife through butter"
X Link 2025-11-29T07:16Z [---] followers, [--] engagements
"@pdicarlotrader NVDA ELF AMD RDDT"
X Link 2025-11-29T19:23Z [---] followers, [---] engagements
"@DollarCostAvg @danielnewmanUV Also isnt it cloud needs GPUs even Google uses. LLMs there is TPU use case that too within a few LLMs providers (hyper scalers). TPU largely ring fenced / narrow use great at that. GPU broad use cases and great at that. NVDA opportunity to get in 170ish price wont last long"
X Link 2025-11-30T10:58Z [---] followers, [--] engagements
"@BMNRBullz 1) news 2-3 months old bond market adjusting for it. 2) leverage can cause temp selling pressures in US equities. 3) FED likely counter with aggressive QE and repo actions to ease liquidity concerns. 4)not comparable to [----] as liquidity crisis was due to fundamentals collapsing"
X Link 2025-12-01T10:41Z [---] followers, [--] engagements
"@BMNRBullz Was just thinking loud - JP situation may lead FED to also drive increase in bond yields to counter liquidity drain. If so may restrict flex Hassett would have to reduce rates That would rattle markets. POWELL speech critical to calm markets"
X Link 2025-12-01T12:42Z [---] followers, [---] engagements
"@danielnewmanUV Wonder wizards would call it circular rectangular triangular or what Some are hell bent to prove NVDA at 75% margins growing +50% is more expensive that Walmart or Costco - wonder which interest are being served"
X Link 2025-12-01T13:35Z [---] followers, [---] engagements
"@Tim_Sweeney_TAR Spot on. Unlike MSTR with BTC bought in $70-80k range Lee is buying more ETH when chips are down. ETH has to rise (its patience game) as there is real life utility - future financial rails + staking + not inflationary + store of value higher ETH. Short term pains though"
X Link 2025-12-01T18:06Z [---] followers, [---] engagements
"@KyleReidhead Best to stay away. Best to buy BTC directly. This is derivative on BTC and levered with no tools available other than one action dilute / buy / dilute. This makes it sunny days stock only. HOPE is not a strategy. BMNR better as DAT has strategy and ETH has diverse use cases"
X Link 2025-12-01T18:25Z [---] followers, [---] engagements
"@DollarCostAvg Thanks. Curious to know your views on $CIFR $CLSK. I have significant position in $IREN and $CIFR and smaller one in $CLSK. Thinking of making $IREN position bigger if today AHs drop holds when market opens"
X Link 2025-12-02T03:06Z [---] followers, [----] engagements
"@wallstengine Frankly i am surprised he has missed open that 100GW is not in one year but spread out over 5-7 years. My sense is perhaps would take longer [--] years. Its just that the one who are not in the party cant spare a moment to talk badly about the party. Haves and have nots"
X Link 2025-12-02T11:32Z [---] followers, [----] engagements
"@grok @izhaqba @DanzTrader NVDA NV LINK and AMAZON"
X Link 2025-12-02T17:19Z [---] followers, [--] engagements
"@pdicarlotrader Thanks for sharing what you think option play better or buy stocks outright for a swing trade"
X Link 2025-12-04T19:13Z [---] followers, [---] engagements
"@DollarCostAvg Sold a few puts on $IREN at [--] strike and reduced long position. No point this BP test every hour. IREN team need to sort out comms to bring volatility under control. Else I see this going down on a RED day. Its falling on a GREEN day. 35-38 area. So [--] short puts the best"
X Link 2025-12-05T18:05Z [---] followers, [---] engagements
"@bipulsinha Great results by $RBRK team. Congrats. Was lucky in a way that last minute before the market close i started medium size position. Was on my watchlist for sometime. Happy that timed it well. But kudos to $RBRK team for GREAT EXECUTION and FLAWLESS RESULTS"
X Link 2025-12-05T21:16Z [---] followers, [---] engagements
"@Tim_Sweeney_TAR My take. I have significant position (long + options). If acquisition linked could have been with acquisition. I would like to see data on delinquencies first. And will be adding hedge or buy partial protection. Hope i am wrong"
X Link 2025-12-07T09:52Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR (Continued) - reason being rate cut will help with margin but if risk shifts from credit risk to market (sector) risk then rate cut wont be enough. Usually scores wont matter in such situations as risk is jobs risk (market risk)"
X Link 2025-12-07T09:58Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR Seems like i was right in calling out capital raise by $SOFI (dilution) to shore up capital in the context of credit quality - today some comments and banks stocks falling. Good that yesterday i had some hedges booked and reduced position a bit. I wonder if can source more info"
X Link 2025-12-09T21:17Z [---] followers, [---] engagements
"@Tim_Sweeney_TAR I am in different market now. Contacted friends closer to US banks Yes you are right Auto (also puzzling). Default sequencing Auto (secured) comes after unsecured. Charge off rates on unsecured climbing but hidden under rising spending levels (more debt) in %age terms.(Cont.)"
X Link 2025-12-10T09:34Z [---] followers, [--] engagements
"@DollarCostAvg JANE STREET i dont trust. They usually have bullish bets on stocks and behind the scene shorting the same through options and take benefit from leverage. Jane Street buying is bearish news as one wont know which side Jane Street is"
X Link 2025-12-12T21:01Z [---] followers, [---] engagements
"@mikealfred Exactly. Thats what is happening. Manipulation to extreme media helping to provide entries to friends in fund houses. They missed the rally. Now getting forced entry back. Media has valuation issue with NVDA but not with CoSTCO"
X Link 2025-12-12T21:03Z [---] followers, [---] engagements
"@TheTechInvest I am invested in it and not like joy ride. Challenge i see for neo clouds (incl. IREN) is not about what this standalone can do but that debt levels and capital involved would have downstream payback or not. Unless inference led initiatives show that P&L challenge will remain"
X Link 2025-12-14T13:27Z [---] followers, [---] engagements
"@TheTechInvest Big positive will be if it hangs on to recent support $37 levels as would be confirmation of support. Then is matter of waiting. When tide turns sentiment shifts and stock rallies again. Seems will require [--] months min"
X Link 2025-12-14T13:28Z [---] followers, [--] engagements
"@thexcapitalist $UBER require upgrade to add robo tech. $TSLA tech has it pre-installed. Bottleneck for $UBER is while having bigger network has network not ready / require major upgrade that changes dynamics. $TSLA brings scale day [--]. $UBER will bring on day [--]. High strategic risk for $UBER"
X Link 2025-12-14T15:20Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR Yes. Also like @Kenmegan44 view on use case for affluent travellers esp relevant for those who retired / not have regular income difficult to secure credit card with high limit but HNW and can use deposit without risking deposits directly via debit card"
X Link 2025-12-14T16:40Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR @Kenmegan44 Only one addition - secured card is standard feature in big banks. I work for one of the biggest banks and before worked for other big banks and have not seen where is not offered. Product packaging by $SOFI with fee / credit thin is UNIQUE. And thats BIG ACQUISITION EDGE"
X Link 2025-12-14T18:52Z [---] followers, [--] engagements
"@DollarCostAvg @DGretta_Author $SOFI"
X Link 2025-12-14T18:54Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR @Kenmegan44 Thats interesting part. Usually secured cards users transacting profile so NII is near zero. So in interest rate wont matter. Since this is credit thin / credit builder positioning some revolve would be there. Gravy at the top. Would make P/L better than I originally thought"
X Link 2025-12-14T19:54Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR @Kenmegan44 Additional point- younger (Gen Z) not look at credit the way mine did. So many would prefer secured to earn rewards yet not get levered. CREDIT CARDS is [--] yrs old product not much innovation ripe to DECONSTRUCT $SOFI can re-write / re-imagine this space"
X Link 2025-12-14T19:58Z [---] followers, [--] engagements
"@SoFi_Insider If vintage very bullish. Not clear if June vintage is showing [--] months and Sep vintage [--] months or that June vintage is also at 2MOB (months on books). If it is later very very bullish $SoFI. If former then not clear enough to conclude"
X Link 2025-12-14T20:06Z [---] followers, [---] engagements
"@davey_juice imo Yes. 1) when strategic risk was not evident it hovered around $100 now its evident. 2) its bigger scale is of no use given vehicles require significant upgrade to become robo ready. Whereas TSLA vehicles are pre-equipped and ready to go with a click & download""
X Link 2025-12-16T21:51Z [---] followers, [---] engagements
"@TheLongInvest CASH cow stage value trap $PYPL struggles not with financial / ratios but more with MOAT. MOAT is gone with competition and options available. Besides look at Gen Z adoption of $PYPL lowest. And will continue to decline"
X Link 2025-12-18T12:15Z [---] followers, [----] engagements
"@DGretta_Author Was excellent swing trade for me. Entered $160ish and exited $205ish"
X Link 2025-12-18T12:26Z [---] followers, [--] engagements
"@Ryan_AZRealtor @TheLongInvest AVIS - revenue growth stalled. p/OCF [---]. ROIC is 2%. Where you are seeing 36%"
X Link 2025-12-18T12:39Z [---] followers, [--] engagements
"@mikealfred Tyler and team needs to address elephant in the room to change sentiment - that is margins returns depreciation. I have significant position in $CIFR and bleeding. I dont see reversal without addressing core questions. Deals wont impress market anymore"
X Link 2025-12-18T12:40Z [---] followers, [---] engagements
"@Ryan_AZRealtor @TheLongInvest Thats one way to look at it. I dont look at this way. This view is ok for swing trade. Btw AVIS has p/OCF [----] which is quite cheap. So not surprised. But not a good parallel with $PYPL"
X Link 2025-12-18T12:48Z [---] followers, [--] engagements
"@Ryan_AZRealtor @TheLongInvest Not debate my friend. $PYPL is great. Enjoy"
X Link 2025-12-18T13:23Z [---] followers, [--] engagements
"Correct. Challenge with $BMNR is this is dependent (derivative) on $ETH. If $ETH sneezes $BMNR will sneeze by factor of 2-3x. $BMNR only game is to perfect buy / sell timing in other words being excellent in swing trades. This works when $ETH moving up hence making $BMNR single directional bet (lack of policy tools / strategies as only strategy is buy low sell high). This also will have diminishing returns as $ETH starts to plateau in the future (look at $MSTR situation desperate and trying to survive and not file chapter [--] or sell Bitcoins). As far MAVAN goes staking is not incremental and"
X Link 2025-12-19T03:23Z [---] followers, [--] engagements
"$SOFI is a great digital bank and future. However immediate challenges that $SOFI needs to address to make stock move up - 1) growth outlook needs to accelerate and more aggressive current valuation is quite rich. Sandbagging will not help. Ambition has to show up. 2) there is lack of clarity on dilution and need for capital. I maintain that there is credit risk looming out there and may be NOTO is sensing that hence shoring up of capital. I have not seen credit quality remain pristine when jobs softness issue out there as well some talk around Auto delinquencies. 3) Some of the additions"
X Link 2025-12-24T19:37Z [---] followers, [---] engagements
"Wish had added more. Had [---] shares and a few options. Closed options early this morning. And didnt add more last few days as was not expecting it to run this fast. But again is not my first ride on $ZETA it gives opportunities multiple times. So quite hopeful that will have another one soon"
X Link 2025-12-26T22:51Z [---] followers, [---] engagements
"@pdicarlotrader Cant agree more. There is unfilled gap just below $$96 levels all the way down to $85ish. Unless $NFLX clears and closes with higher high / low above $96 its in the danger zone. Though extremely tempting"
X Link 2025-12-27T14:04Z [---] followers, [--] engagements
"Hey its the best video on options premium. Thanks for sharing. Love your passion as well thoughts come from the heart and reflects nuggets from someone who has strong operating background. I am [--] months into options premium (mostly short puts) and making good gains every month. I typically close 20% gain in a week (than 50% with 50% time left) but only where I get to that mark in a few cases. Never tried backstop premium love the concept. Will try that for sure. Keep your videos coming"
X Link 2025-12-27T16:07Z [---] followers, [---] engagements
"Thought would share bearish view on $SERV as well. Fundamentals are challenged $SERV. I started position but exited now at breakeven. Reasons being 1) $SERVs own projection is to get to $80m revenue in the long term only which keeps it quite small scale micro. That makes forward P/S at +$47. 2) Is not expected to turn to positive Earnings before [----] (4-5 years away) 3) Lacks scale in the long term as well. 4) per robot revenue is declining. Perhaps a buy at price half of current levels. https://twitter.com/i/web/status/2004988750078878018 https://twitter.com/i/web/status/2004988750078878018"
X Link 2025-12-27T18:52Z [---] followers, [---] engagements
"@MidlClassMoney @AndrewDudum @wearehims @himshouse Yes while CEO of $HIMS is waiting for another peak so that can sell more of his shares fast"
X Link 2025-12-27T18:53Z [---] followers, [---] engagements
"@BMNRBullz He is a great guy and love him. On a lighter note it seems he will make a few go really bankrupt before he is proven finally right - which he will eventually. Lol"
X Link 2025-12-27T23:19Z [---] followers, [---] engagements
"Thats correct. In the short term yes its not a great feeling with ETH and BMNR slide so far. In the long run yes he is right. ETH will be a winner and so will be BMNR. Fundamentals support that - 1) growing adoption of ETH 2) future financial rails 3) identity layer to progress as well 4) compliant staking 5) layer [--] addressing layer [--] challenges while layer [--] staying irreplaceable for the most de-centralised / secure blockchain"
X Link 2025-12-27T23:31Z [---] followers, [--] engagements
"Hi Fred - i dont understand whats the rivalry with Silver. If BTC has its strength why there is need to even bring something else down. Metal has its own use case esp industrial. May be inflated. May even fall hard but so does BTC. I guess BTC falls even harder. This is quite a negative positioning for BTC when put up for comparison with metals. Every investor has a choice to pick the preferred store of value. Ones who have been early in BTC may see it differently. One who has missed the bus and now staring at current BTC price point may look at it with a different lens"
X Link 2025-12-28T06:21Z [---] followers, [---] engagements
"I replied to a another post on $HIMS. My take is $HIMS challenged with fundamentals trend alone wont help and needs to be in conjunction with fundamentals. Challenges $HIMS need to address - 1) rich valuation forward PE [--] in [----] and +50 in [----] demands serious uptake in growth rates. Whereas growth seems to be flattening / decline. 2) address growth issue again ex. Acquisitions. There is hint of underlying growth slowdown ex-acquisitions. 3) notional weight linked compounding growth needs to be addressed as market still thinks its dominant part of the revenue mix whereas there is broader"
X Link 2025-12-28T10:24Z [---] followers, [----] engagements
"Broadly agree with you. Only exception - ETH / Solana (esp. ETH) which have real life use cases not just store of value. ETH being adopted by financial system as future payment rails (i know this first hand as work in that sector and confirmed and personally confirmed this with senior folks from org. like Visa and MC as well banks. Bitcoin gave that concept for other block chains to come up with broader use cases. While Bitcoin fails in that beyond store of value ETH developed the most secured and de-centralised ledger that will drive real time payments / [--] hour exchanges / [---] days a year."
X Link 2025-12-28T15:21Z [---] followers, [--] engagements
"Well its a matter of having a different view. My view is that ETH having 100k validators and consensus framework offers what no other chain can develop (eco-system). Really strong MOAT. And is deflationary as well. So FIAT currencies in the long run with costs to print carry fraud counterfeit currencies govt control and risking inflation will have to transition to digital. This will not be adopted by my age group i guess but next in line Gen Z and then Alpha will do it faster that you and i can think"
X Link 2025-12-28T15:41Z [---] followers, [--] engagements
"@DollarCostAvg I see similar risks. No chance of tick toktweets. ETH and BMNR may have a better future given real life use cases and adoption for real world problems solving. Sentiment is quite bearish"
X Link 2025-12-29T15:47Z [---] followers, [--] engagements
"Exactly. I said the same to an earlier post. Window is next few months and with each passing day negotiating power will weaken. Keep in mind $IREN $CIFR alternatives business model is challenged and at risk (mining) and they need bail out. So weaker negotiation power will only get weaker by each passing day. It is not right to compare their deals with $NBIS where business model is well diversified. https://twitter.com/i/web/status/2005698856336646516 https://twitter.com/i/web/status/2005698856336646516"
X Link 2025-12-29T17:54Z [---] followers, [---] engagements
"Exactly. Having said both $IREN and $NBIS are quite under valued. $IREN despite inferior deal is under valued. However long term sustenance of business model and broader MOAT in iaas play is more with $NBIS (not even $CRWV due to high debt lack of diversification). $IREN is good swing trade. But $NBIS has a long term hold value. In this space first mover wont matter as much as fast mover. And miners are taking way too long in hope to move out of their current models which are facing strategic risk. https://twitter.com/i/web/status/2005700402587787319"
X Link 2025-12-29T18:00Z [---] followers, [--] engagements
"@DrStoxx @IBDinvestors @marketsurge Looks like. But seeing bearish reversal with money flow subsiding. Have done a small short. Pray for megoing against the gurus analysis:)"
X Link 2025-12-29T20:16Z [---] followers, [--] engagements
"I have similar views including on $BMNR. I wont call these as outright scams. But business models are deeply flawed. I am not into $MSTR but had bought and closed positions early on $BMNR as i learnt more about the business model. RED FLAGS for me (unlike some $BMNR bulls who refuse to see because they worship Tom Lee so muchlol) - 1) Strategy to keep fund growing lacks any flex and is one directional only with underlying $ETH must have to go up. That is extremely risky. When you manage an operating business there are number of ways one can manage / tweak business to make it work. But lack of"
X Link 2025-12-30T05:40Z [---] followers, [--] engagements
"This does not mean i have negative views on $ETH. I think $ETH will go places. But buy ETH directly than expose to this extreme leverage play with significant limitations on tools that management can deploy (only tool is praying $ETH to go up and some how have trading excellence to sell high and buy low). https://twitter.com/i/web/status/2005878097653162307 https://twitter.com/i/web/status/2005878097653162307"
X Link 2025-12-30T05:46Z [---] followers, [--] engagements
"@Kross_Roads watched your v-log on BMNR. I would say a bit disappointed as not address some of the core issues. I would urge that for retail investors sake who follow you (including myself) if you can try to address these aspects also for a balanced view on $BMNR. Reason being $BMNR investors are CRUSHED. And reason being there are amplified riskswhich are not addressed up front. I am sharing in the below my Qs for the sake of information to all who listened to one sided views on $BMNR. 1) Isnt $BMNR is policy constrained unlike an operating company with various tools at hand to drive"
X Link 2025-12-30T21:33Z [---] followers, [---] engagements
"Think will stay around $25-26 range. I stick to my earlier view (based on operating background) that $SOFI has rich valuation and overhang of capital raise when read in conjunction with employment issue / increase in auto delinquencies persisting inflation will lead to CAUTION. When clarity on this point will shoot to near $40 easily. If otherwise i see downside all the way to $17-18. Both the moves can be QUICK. I stay invested in $SOFI with hedges. https://twitter.com/i/web/status/2006341550058713352 https://twitter.com/i/web/status/2006341550058713352"
X Link 2025-12-31T12:27Z [---] followers, [---] engagements
"@Kross_Roads Agree and similar views. Thought i have a few short puts with 50-55 strike range. Premiums are good. And dont mind $PYPL net cost $50 +/-5 mark"
X Link 2025-12-31T12:34Z [---] followers, [---] engagements
"@TheLongInvest Was looking at its P/S and is less than $LULU and $DECK. Valuation look rich as earnings not performing. If earnings follow can be cheap at current levels. You are right all depends on turnaround. If CEO bought may be confidence is high"
X Link 2025-12-31T13:03Z [---] followers, [---] engagements
"Its an excellent video by Tevis. As well earlier by Tannor. High losses for investors who entered this trade a few weeks back. Key questions from a retail investor on $BMNR 1) are there any other policy tools to manage business other than Tom doing excellent trading decisions and pray $ETH goes up always. $BMNR management should address what they would do in terms of strategic choices when $ETH is not going up to justify RISK-REWARD. I am super big on $ETH and buying loads of it. $BMNR I trimmed position significantly. 2) SUGGESTION - i can tell with confidence huge opportunity for $BMNR if"
X Link 2025-12-31T17:54Z [---] followers, [---] engagements
"@TheLongInvest Wow. My regret I bought it a few times at less than $15 mark and each time sold it out of frustration . Have a position now again at $17ish levels"
X Link 2025-12-31T19:06Z [---] followers, [----] engagements
"@ZeroHedge_ @Tradingalpha_ Smart move- by announcing it many will start selling out of fear:). And you will manage your exit somewhere along the way. lol"
X Link 2025-12-31T22:05Z [---] followers, [----] engagements
"My two cents - is a misnomer. I have operating background and been involved in fintech platforms adoption into large eco systems. It is not easy. Is not as big $$$s as you may see it. Reason being for large financial institutions their current platforms inertia (tech does not want to change or take external platform) data lake issue (issue not in platform but data structures) and internal policy issues (become bottleneck to whatever Ferrari is brought in). Besides there is intense competition and no MOAT. There are host of alternatives available. $SOFI to go up and up they just need to look"
X Link 2026-01-01T07:59Z [---] followers, [--] engagements
"@thexcapitalist Its where $GOOGL was earlier in the year. PE is still rich. But technical set up is very bullish and there is breakout. Have started to build position in $AMZN again (3rd ride lets see how this goes). :)"
X Link 2026-01-01T16:52Z [---] followers, [---] engagements
"@thexcapitalist looking at this list at a first glance i am sure $JPM has interest linked to most of these stocks :) We should have independence in these kind of lists from institutions"
X Link 2026-01-01T18:06Z [---] followers, [---] engagements
"Typically customers dont pay fees on Cards. This refers to more questions for $SOFI 1) is it because rewards are not sustainable without fee. If so is bullish initiative and makes sense. As no point supporting rewards out of pocked. 2) or is it that P&L under pressure due to credit concerns hence addressing yields. if so very bearish. https://twitter.com/i/web/status/2007163169480028487 https://twitter.com/i/web/status/2007163169480028487"
X Link 2026-01-02T18:52Z [---] followers, [----] engagements
"@Tim_Sweeney_TAR may be the case. However will differ. This is poor product management to make change right after launch. And in cash back abuse is not limited but significant if appropriate controls caps & collars are not built in. Cash back would attract transactional spend which will not generate NII and would give a bank run for money when top line is not there and costs are piling up. This adds up pretty quickly. $SOFI has done the right thing. And was surprised why they didnt do the first place. I have not seen high value offering credit cards being free of charge. Fee keeps out gaming"
X Link 2026-01-03T08:49Z [---] followers, [--] engagements
"Agree and Athena is yet to catch momentum and will be a strong tail wind. My regret as said in a previous post i lost patience and exited a significant position at slight profile in Jul at $15ish average cost. Now re-entered at $17.5 but position is smaller. Added short puts on $ZETA with net price to me if assigned $17ish. And for a change i am hoping i get assigned on those. I think by 3Q26 this will be $30 stock at the minimum. https://twitter.com/i/web/status/2007855759158362112 https://twitter.com/i/web/status/2007855759158362112"
X Link 2026-01-04T16:44Z [---] followers, [---] engagements
"@wallstengine $OSCR is multi bagged. Even conservative DCF this can be $25-28 stock"
X Link 2026-01-05T11:18Z [---] followers, [---] engagements
"@mvcinvesting $RBRK"
X Link 2026-01-05T20:37Z [---] followers, [---] engagements
"Point here to note (and i know some of $SOFI bulls may not like it here) that price cannot move independent of valuation. $SOFI (i exited my position recently and hold modest position now) is great in terms of user interface product breadth management. But much of that is priced in. Beyond this EARNINGS have to product tailwind. (Continue) in addition TRUST by customers esp younger segments is also what goes against the bigger banks. Hence future is for $SOFI $CHYM REVOLUT $NU and likes. Question is at what price though. Valuations are rich in certain cases. For multiples expansion beyond"
X Link 2026-01-06T16:30Z [---] followers, [---] engagements
"I have been saying $ETH is primed to de-couple its correlation from $BTC given its multiple use cases which are way beyond just being a store of value. Below chart I mapped BTC / ETH ratio and see it on decline. Which means decline in ETH price is much lower than what is on BTC. Ratio is on the decline and close to [--] now. Used to be +50. In hindsight was a great decision to grow posting in $ETH https://twitter.com/i/web/status/2008954565618811302 https://twitter.com/i/web/status/2008954565618811302"
X Link 2026-01-07T17:31Z [---] followers, [--] engagements
"@jimcramer Geo politics - perhaps market not sensing control on managing this through. Execution uncertainty"
X Link 2026-01-09T08:47Z [---] followers, [---] engagements
"@ilzmcfly @StockSavvyShay When $HIMS CEO cant help stabbing HIMS competition will surely not"
X Link 2026-01-09T15:02Z [---] followers, [---] engagements
"This is partial view. I dont think this is bearish for $SoFI or any other credit card lender on this ground there are other reasons which will play. Reason being - Credit Cards lines (multiples of income credit is offered) are not as high as Loans. Customers take Loans to serve their bigger needs as multiples are higher. Both are serving very different segments. Yes there is that Balance Consolidation aspect but that is of two types (intra cards and loans to cards). Intra cards wont affect $SOFi for having small market share. Balance consolidation from loans to cards risk in this case is"
X Link 2026-01-10T06:40Z [---] followers, [---] engagements
"The way math works fee $10 a month is $120 a year is much better than where lets say 20% interest rates x average spend a year $10000 x balance factor 20% ($2000 average balance) x revolve rate lets say 40% = $ $160 per customer revenue. If change that to 10% interest + $120 fee (12x$10) = $200 per card. Its a better position in capital management sense of it. Its more notional. In details - its not much of an issue. $SOFI"
X Link 2026-01-10T12:14Z [---] followers, [--] engagements
"My sense is credit card issuers as long as can charge fee to maintain would not see much of a difference. As said in a previous post customer preference of cards over loans is not correct as multiples on income and ticket size and nature of need much different on Loans. So dont see that Loans Cannibalisation angle playing out much of a role. https://twitter.com/i/web/status/2009962783765594616 https://twitter.com/i/web/status/2009962783765594616"
X Link 2026-01-10T12:17Z [---] followers, [--] engagements
"@RealJimChanos I guess its more hyped than real difference. Math as follows : Typical credit card proposition assumptions - average spend $10k a year - average balance $2k - average revolve rate 60% - current interest rate 25% That will give per customer revenue per year from credit cards as - [--] x 60% x 25% = $300 per card. If banks able to charge fee lets say $10 per month along with 10% Interest rate. It will be $120 for fees And at 10% and above assumptions - revenue from interest will be = $120 Total revenue per card - $240. Cannibalisation risks (if any) : Loan to cards - minimal as"
X Link 2026-01-10T15:25Z [---] followers, [---] engagements
"Guys its kiddish to share such lofty and borderline non/serious projections. $ETH market cap at $3k is around $370billion. At $154000 market cap will $19 trillion. Which means practically everything else has to switch to $ETH to give it even a remote chance. Btw I am heavily invested in $ETH and bullish. But is naive to make such projections which makes no sense and creates false impressions. https://twitter.com/i/web/status/2010021630576341249 https://twitter.com/i/web/status/2010021630576341249"
X Link 2026-01-10T16:11Z [---] followers, [----] engagements
"It surely does. Financial rails of the future are $ETH. However keep in mind higher transactions require $ETH be more efficient and push price lower. Along with layer [--] will keep Compute side revenue. Price will still go up give wide adoption. But $19trillion is ridiculous. BTC market cap when $1000 was much lower. Not like $370billion that $ETH already has on its current price levels. I am not challenging bullish case all for it. But not for what I call funny speculative ones without any math behind. https://twitter.com/i/web/status/2010026748772262084"
X Link 2026-01-10T16:31Z [---] followers, [---] engagements
"@l3olanza In addition current market cap of existing financial rails (Visa MC PYPL and many others) estimated at $1.2trillion. Just to give perspective"
X Link 2026-01-10T16:35Z [---] followers, [---] engagements
"except that institutions must have bought those when price was $0.8 for $OPEN. Will be interesting to see (if you have data) any institutions who bought recently at current prices. Besides institutions will not sell like us retail investors they would when thesis change or macro event or portfolio parameters they need to adhere to. https://twitter.com/i/web/status/2010660122780106765 https://twitter.com/i/web/status/2010660122780106765"
X Link 2026-01-12T10:28Z [---] followers, [---] engagements
"@SoFi_Insider Well sounds bearish. Loans doubled in [--] month If so could be adverse selection. Now even more interested in quality of the book. I doubt though there is 2x increase in new loan originations in a month"
X Link 2026-01-12T20:45Z [---] followers, [----] engagements
"@BlackPantherCap @TheTechInvest I have covered calls at [--] and [--] on $IREN expiring Mar 20th. Any suggestions what i do esp $55 call"
X Link 2026-01-15T11:11Z [---] followers, [---] engagements
"Exactly. Does not make sense to first make him god and folks bough $BMNR in $60s and now as frustration kicking in start to make critique on Tom Lee. My position has been on if only goal is to buy $ETH then buy $ETH direction. For slight mNAV gain is very risky levered play to buy $BMNR. With such a high dependence on underlying $BMNR lacks tools to run as an operating company. Essentially investor takes bullish bet on $BMNR which onwards has binary outcome due to $ETH dependence. When underlying goes against (look at $MSTR) investor money will be fried right away. In contrast an operating"
X Link 2026-01-16T14:10Z [---] followers, [--] engagements
"@Hap0606 @PerfectHairGene @mvcinvesting Yes today seems like a BIG RED day. Luckily I exited all my AI positions including $IREN $CIFR on last Friday. I guess will be a buying opportunity today - selective"
X Link 2026-01-20T08:56Z [---] followers, [---] engagements
"@Hap0606 @PerfectHairGene @mvcinvesting $ZETA $OSCR $HIMS (starting to look interesting) $PGY on shopping list"
X Link 2026-01-20T11:08Z [---] followers, [--] engagements
"@Hap0606 @PerfectHairGene @mvcinvesting Tempting. But have some short calls which were naked as of Friday after I am exited long positions on $IREN. So will be ok on $IREN for now. To me $IREN is a BUY $43 Current levels it can move up / down in a blink of eye. So not at current levels"
X Link 2026-01-20T11:20Z [---] followers, [---] engagements
"@EndicottInvests Cant agree more. $PGY is hidden gem in financial sector without balance sheet exposure and fee income. And this price offers great entry"
X Link 2026-01-21T04:06Z [---] followers, [---] engagements
"This is called height of optimism ;) I maintain if want exposure to $ETH buy $ETH no point buying levered play in the form of $BMNR for small mNAV premium / gains. Risks far out weigh incremental rewards (remember increase due to $ETH going up is not incremental as would come anyways if you own $ETH incremental is only mNAV as even staking not incremental). There are no policy / operating tools $BMNR has to manage business other than being a glorified trader who can consistently buy low and sell high. Due to overly bullish vlogs by naive / not experienced retail investors there are thousands"
X Link 2026-01-21T11:23Z [---] followers, [---] engagements
"Exactly the situation i have been highlighting where policy response in terms of operating actions from $BMNR will be with extreme limitation. This is single directional bet on $ETH and not worth to risk all investing on $BMNR for small mNAV premium. $BMNR cant dilute to buy $ETH now as will be ETH dilutive. Go for operating businesses instead. Best to stay away from levered bets running on fad media hype via naive retail investors who only want vlogs viewers. https://twitter.com/i/web/status/2014028618461225052 https://twitter.com/i/web/status/2014028618461225052"
X Link 2026-01-21T17:33Z [---] followers, [---] engagements
"Its down almost 15% from last earnings. I dont see $SOFI going anywhere with FROTHY VALUATION. If in earnings $SOFI not great estimates by a mile (not marginal) and hopefully there is no mention even iota of credit risk in conference call or numbers this price may sustain in bed case. Else this is going down to $20-22 levels. Mark my words. This price prediction not include (should pray not happen) further dilution to raise capital. But if the case and further dilution then be prepared for $20. My price prediction if i assign probabilities: $SOFI beat earnings by a mile +$30-35 (10% chance)"
X Link 2026-01-21T17:39Z [---] followers, [----] engagements
"It is impressive. Upcoming earnings will be interesting. $SOFI valuation is very rich. Earnings have to be flawless and materially beat expectations to make a move in $SOFI price. EPS for [----] 37-39 cents and [----] 75-80 cents. At [--] cents in [----] even multiple of [--] gives $32. Assuming [----] EPS [--] cents (higher than estimates) Bear case multiple of [--] $SOFI $24-25 (current levels) Base case multiple of [--] $SOFI $28-29 Bull case multiple of [--] $SOFI $32 And if earnings are flawless materially beat expectations will lead to multiple expansion to lets say at 50-60 in which case PT will be $40-48"
X Link 2026-01-24T12:26Z [---] followers, [---] engagements
"I think its heading down to $5.18. Business with zero fundamentals living on hype for some failed investors who wanted to bail themselves out (I bet they long sold position also than waiting for mythical $82 joke). Hype can sustain only this long. Look at balance sheet business model P&L and one realises how scam was made to push up price towards $82 systemically. https://twitter.com/i/web/status/2015401691261313286 https://twitter.com/i/web/status/2015401691261313286"
X Link 2026-01-25T12:29Z [---] followers, [---] engagements
"@mvcinvesting Seems he has some inside news from $META. Short term volatility can happen"
X Link 2026-01-25T12:33Z [---] followers, [----] engagements
"Yes possibly. I just did DD on the following facts but seems i am missing something or some big $82 picture Revenue growth last earnings QOQ -33% gross margin 7% down from 8% previous quarter price to sales (P/S) would be misleading unlike some software stocks where it matters as gross margins are 80% there. With 7-8% gross margin effective P/S is around [--] which is very high (8% gross margins x revenue as multiples to get to market cap) $1.8b of debt high dependency on rates. But next time will do better DD. https://twitter.com/i/web/status/2015463452899451200"
X Link 2026-01-25T16:35Z [---] followers, [--] engagements
"Video just watched. Very nice vlog and worth watching with good research. My view on $SOFI post earnings is a bit bearish and where I would get stuck is valuation not that $SOFI wont deliver great earning. I think of neo-banks $SOFI is amongst top 3-4 around the world and has a great future. Where I get stuck is the following and will be good to know your thoughts on that. - At [--] cents for [----] current price is around [--] multiple. For [----] lets say $SOFI delivers [--] cents EPS (which is aggressive) $32 will be [--] multiples $40 will be [--] multiples. This is extreme bull case. Hence my view"
X Link 2026-01-25T16:50Z [---] followers, [---] engagements
"Agree. Growth and reflection in guidance will matter a lot. That can expand multiples. Tight rope. Timing of earning now seems a bit misplaced USD under pressure in the context of Europe - US - Canada. Lets see how futures look like for tomorrow. But looks like a choppy week ahead with sentiments all over. https://twitter.com/i/web/status/2015494662849728691 https://twitter.com/i/web/status/2015494662849728691"
X Link 2026-01-25T18:39Z [---] followers, [--] engagements
"I doubt will happen in isolation from $ETH. $BMNR has heavy reliance on underlying. Max it can move up independent of $ETH is to the extent of nNAV premium. That is the problem with all DAT stocks that there is little policy freedom other than pray underlying goes up. And that is not worth taking risk due to levered nature. BUY UNDERLYING that is $ETH that is better. DATs are nothing but glorified super traders who can somehow always sell at high and buy at low. https://twitter.com/i/web/status/2015790751683084512 https://twitter.com/i/web/status/2015790751683084512"
X Link 2026-01-26T14:15Z [---] followers, [---] engagements
"My conclusion on DAT ($MSTR and $BMNR) is as follows: [--]. They are glorified perfect traders who can sell high buy low and increase per share crypto holding. Problem with this model is that only works when underlying keeps going up and mNAV =1. When mNAV drops lower than [--] they run out of policy actions and left with only two choices - a) sell low and buy high dilute crypto holding per share; b) take debt to buy. This is a dangerous model with high dependence on underlying. And only model they are left with is pray underlying keeps going up) [--]. This is not worth taking risk given levered"
X Link 2026-01-26T17:50Z [---] followers, [--] engagements
"@PerfectHairGene @mvcinvesting $RBRK and $MNDY worth looking into"
X Link 2026-01-19T19:13Z [---] followers, [---] engagements
"@DollarCostAvg Excellent call. I went long on $RBRK and got roasted today"
X Link 2026-01-27T16:39Z [---] followers, [---] engagements
"Yes this look way too stretched. Kind of growth and that also to your point lumpy valuation now is approaching [--] multiples. Earnings better be hitting it out of the park else is coming down to $900 in a blink. I also think the way being pumped without any news catalyst and obvious risks is not normal. This is an expensive ticket ($1400-$1500 for [--] share) and difficult for retail investors to get in. Something is going on. I wont be surprised there is parallel bet on this to short via options with leverage. And this pre-market pump may be bait. Lets see. We will know in a few hours"
X Link 2026-01-28T03:54Z [---] followers, [--] engagements
"Well are you sure you are looking at $OPEN financials and didnt open up any other by mistake As i see 2Q25 revenue $1.56b and 3Q25 revenue $0.9b (-33% QoQ use calculator so not to make an error perhaps). With gross margin in 2Q25 8.17% declined to 7.21% in 3Q25. I hope you did good DD on its financials I strongly recommend you should. Frankly if you have conviction i wish all good for your investment and hope works for you. I just shared my opinion not a debate. Hey but do take a look at financials to make sure your conviction is based on numbers doesnt seem like. Enjoy my friend."
X Link 2026-01-28T16:59Z [---] followers, [--] engagements
"Good luck my friend. I think $SOFI will do great. And deserves to grow multiples but will be linked to fundamentals and business growth only. There is a reason it is 20% down from last earnings. Market is not foolish. I dont see it going up based on hype or in apples / oranges comparison with $PLTR which is a different sector / MOAT quality. Theres no other PLTR there are a few $SOFIs and more will come. https://twitter.com/i/web/status/2016580190688903295 https://twitter.com/i/web/status/2016580190688903295"
X Link 2026-01-28T18:32Z [---] followers, [---] engagements
"Agree and is a better metrics. And think that would be around [--] mark as well projected. Can perhaps stretch further. I do hold small position now (used to be bigger). My only point is that earnings have to perfect with material beat to move the needle on multiple expansion. Not fake pumps / meme tweets that would do the trick. I do $SOFI going much higher. Comparison with $PLTR etc is naive $PLTR is with super strong MOAT hence surviving crazy valuation. In addition $PLTR profit margin is 28% almost 2x times of $SOFI. And with zero credit risk. $SOFI is exposed to lending risk / market"
X Link 2026-01-28T19:23Z [---] followers, [--] engagements
"@Tim_Sweeney_TAR Correct and well covered. Just add one more point. There is options expiry also today. So may be some effort as well to keep below a certain strike. I didnt check. But suspect could also be. Earnings were great"
X Link 2026-01-30T15:19Z [---] followers, [---] engagements
"Its on the contrary. $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great. But EPS is weak. [--] cents guide means $30 price would be on [--] forward multiples. $25 price [--] forward multiples. These are very high multiples for a bank with lending exposure / balance sheet. I dont see this moving but down only towards $18 levels unless EPS goes to [--] cents levels for stock price to lift up to $30 levels again. https://twitter.com/i/web/status/2017460454097096786 https://twitter.com/i/web/status/2017460454097096786"
X Link 2026-01-31T04:50Z [---] followers, [---] engagements
"$SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping pace with customer growth but something to watch out far). Main issue is valuation"
X Link 2026-01-31T05:00Z [---] followers, [--] engagements
"I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping"
X Link 2026-01-31T05:03Z [---] followers, [--] engagements
"I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping"
X Link 2026-01-31T05:03Z [---] followers, [---] engagements
"I wrote reply to another post. $SOFI fall is not without a reason. This is my post: $SOFI is way over valued. Lets put this way - growth metrics A+ rating looks all great if valuation is based on growth metrics / drivers alone (i do see there is some weight in demand slowdown reason being loans businesses can quickly come to treadmill effect where maturities keep catching up and is only uphill to underwrite more and more loans to grow balance sheet unless credit risk is relaxed. So depends on the liquidation curve of loans. So far looks strong as balance sheet growth is QoQ +24% and keeping"
X Link 2026-01-31T05:03Z [---] followers, [---] engagements
"Possibly yes. Only issue i have with sandbagging is marginal is ok but if material then that does not build confidence with investors to have ability to forecast earnings or develop any positions. That is why i said if [--] cents EPS guide $SOFI turns out to be +10% higher lets say [--] cents that is ok and make sense. But if this comes out to be 75-80 cents then that raises questions of different nature. Miss on either side is bad the end of the day as investor would find difficult to do capital allocations. I am down now as had a position and build a bit before earnings also via options but"
X Link 2026-01-31T05:17Z [---] followers, [--] engagements
"My friend that is exactly the point. There are two aspects - 1) amazing growth; 2) EPS. Now amazing growth is well captured in the current valuation. $30 price would mean [--] multiple. Why one would pay [--] multiple for a business that is exposed to significant lending balance sheet and macro risks Market is not stupid. Finally ask any experienced hand in lending space would tell you that growing top line (customer and revenue growth) is a matter of how much of flood gates once is willing to open. Irrespective $SOFI is great execution play doing well even great but is no $PLTR kind of MOAT and"
X Link 2026-01-31T15:20Z [---] followers, [--] engagements
"Its the best analysis i have seen on $SOFI so far and makes lot more sense. I did not like FAKE PUMPERS on $SOFI who without referring to numbers keep pumping stock (like you did and hit the nail on the head and did a dispassionate analysis). $SOFI issue is not great execution it has already demonstrated that and well ahead. $SOFI issue is not top line numbers (customer growth and revenue growth) as that is also well demonstrated and well ahead. $SOFI issue is valuation that above is priced in stock already. If anything it is still generously valued. In lending heavy businesses thing to"
X Link 2026-01-31T16:00Z [---] followers, [---] engagements
"Its a matter of view. I see @TJTheWheelDeal analysis as a good one. Future is always bright. I am only taking into account $SOFI sharing itself [----] EPS guidance at [--] cents. That means $24 at [--] multiples. And $30 at [--] multiples. If you see value in that you are welcome and investing is personal decision. I was disappointed as expected EPS guidance at 75-78 cents range. This makes it expensive valuation in the near term. In 10-20 years who knows. Thats a matter of assumption and excel play. https://twitter.com/i/web/status/2017642568155312504"
X Link 2026-01-31T16:54Z [---] followers, [--] engagements
"$open is likely go lower. I did some swing trades average enter $1.5 and exit or $7+ levels. Problems with $open is fundamentals. Fake pumps / memes orientation can only take it this far. Fundamentals are terrible. QoQ growth is -33%. Low margin (mid single digit). Heavily leveraged. And exposed to macro risks. And its management spends more time on media / twitter than doing work. They also now think that with tweets they can take it to higher price. They need to focus on fundamentals. Price will follow. For now I see it going much lower $3 levels in the near term. I did predict $5.18 a"
X Link 2026-01-31T17:20Z [---] followers, [---] engagements
"@House_Stark12 @ericjackson @RandianCapital Yes require massive overhaul. And agree for it to change its future is 1) protect margins 2) reduce expenses - AI / digital 3) focus on work and avoid twitter (on a lighter note):) Current financials basis is not worth more than $1"
X Link 2026-01-31T18:43Z [---] followers, [--] engagements
"@rajvgurudev @DazzDaBozz @LandoInvests Will be very happy if it does. I hold position in $sofi. I am just sharing dispassionate views on earnings"
X Link 2026-02-01T02:08Z [---] followers, [--] engagements
"(Continue) in addition TRUST by customers esp younger segments is also what goes against the bigger banks. Hence future is for $SOFI $CHYM REVOLUT $NU and likes. Question is at what price though. Valuations are rich in certain cases. For multiples expansion beyond this would need strong / flawless earnings. @danielnewmanUV Large banks are threatened by neo banks for [--] reasons - 1) fintechs / neo banks used to specialize in verticals (payments or trade or lending etc) and not connected horizontally to offer to clients services across the continuum of needs. That is changing and Fintechs like"
X Link 2026-01-06T16:22Z [---] followers, [---] engagements
"Tells about the IQ when I did not refer to $ETH wont be financial rails but referred to that use as financial rails does not mean benefit goes to $ETH alone but most of it will be with layer [--] (revenue share will go there). Anyways not a competition on IQ. Next time read carefully apply some more grey matter and stay away from personal comments. Thank you. https://twitter.com/i/web/status/2017636293258449403 https://twitter.com/i/web/status/2017636293258449403"
X Link 2026-01-31T16:29Z [---] followers, [--] engagements
"$ETH thesis is correct to the extent of replacing /future financial rails. Where that is wrong is expecting price action due to more transactions on ETH. That benefit and delicious lunch will be eaten by layer [--]. Best way to describe it that revenue linked to $ETH use (reward) is split into high value add (compute) and low value add (store essentially glorified warehouse). High value add reward to be kept by layer 2s. For $ETH thesis to play need to disintermediate layer [--]. Else i see high use but not massive price action. Would still go up but no where close to what Tom Lee keeps predicting."
X Link 2026-01-31T18:41Z [---] followers, [---] engagements
"Defeats the thesis. $BMNR proposition has been that no debt. Anyways the very reason i have been against $BMNR and other such DATs is there are lack of policy tools they have unlike an operating company which if no revenue can manage business in many other ways. DATs are just glorified traders who can sell high buy low to grow $ETH however that does not work in case of mNAV1. This is only sunny days strategy. And my argument has always been to why not buy $ETH directly. Now taking on debt to buy more $ETH means more leverage kicking in and increases risk. As well no one knows if $ETH bottom"
X Link 2026-02-02T07:43Z [---] followers, [---] engagements
"Expensive stock at current valuation. With [--] cents guidance $24 at [--] forward multiples and $20 at [--] forward multiples. For a company with lending exposure and as well exposed to macro risks risky. Price to get is less than [--] forward multiples - that is around $16-18 range. That too living with a risk of dilution. As well there was slight uptick in last quarter in losses of Personal Loans gone up from 3.36% to 4.46%. Best to wait for a better entry. https://twitter.com/i/web/status/2018231651332231565 https://twitter.com/i/web/status/2018231651332231565"
X Link 2026-02-02T07:54Z [---] followers, [---] engagements
"Likely not. I have been trying to warn but guess $SOFI bulls hate me for saying. My $SOFI portfolio is bleeding as well but he fact is earnings were not good. Guidance was a disappointment. In lending growing customer revenue is a matter of CHOICE and how much of flood gates one is willing to open. That is / never should be the reason for lending centric balance sheets play. Earnings were bad due to earlier dilution perhaps. But whatever be the case market is not in agreement. https://twitter.com/i/web/status/2018334287532380613 https://twitter.com/i/web/status/2018334287532380613"
X Link 2026-02-02T14:42Z [---] followers, [---] engagements
"Dont think so is matter of celebrating being bear on $SOFI for a change. But earnings were disappointing esp. guidance. I continue to say in lending centric businesses growing top line is CHOICE and not difficult matter of opening flood gates. I just called spade a space instead of fake pumps. https://twitter.com/i/web/status/2018334806497771681 https://twitter.com/i/web/status/2018334806497771681"
X Link 2026-02-02T14:44Z [---] followers, [---] engagements
"While have been tweeting earlier reasons for $SOFI fall being over-valued despite stellar results now tweeting here that at $20 (around [--] forward multiples or so) is attractive and can start DCA up / down from here. Also remember for lending businesses never buy / pump stocks based on top line growth (customer / revenue) as that is a MATTER OF CHOICE based on risk appetite and pricing. Give me any lending business good or bad will make it 2x 4x whatever as all depends on how much of flood gates one likes to open and what is the risk appetite of the organisation. Valuation of a lending"
X Link 2026-02-04T17:39Z [---] followers, [----] engagements
"At this price i agree now is attractive entry point. Though is likely heading lower to $16-18 levels first. Good to DCA down and start a position. Jobs situation wont help with the lending centric balance sheet. So expect slower recovery not before next earnings as i see it. $SOFI. BTW i was right in calling out ahead of earning that is quite expensive at $25+ range in terms of valuation and weak guidance. Reminder for everyone (esp. for the ones who have not been close to lending centric balance sheets) - Top Line growth in lending is a CHOICE. At most is good execution. Nothing more. What"
X Link 2026-02-05T14:12Z [---] followers, [---] engagements
"True. But so is most of the lending centric that there are fees. Including banks have significant proposition of revenues coming from fees. Balance sheet risks when there uncontrollable. That does not mean $SOFI is not managing it well. They have been and have done so well. Risks i see / flags to watch for: - Given liquidation curve catch up growth in lending means to acquire more and more which means running uphill have not seen even the best in lending businesses around the globe able to sustain this. Unless there is step down in FICO and expand risk appetite. Something to watch growth in"
X Link 2026-02-05T16:04Z [---] followers, [---] engagements
"@TravisHoium Interesting perspective. You mean $HIMS intentional to position it that way to lure in $NVO for legal battle or settlement (heads i win tails you lose)"
X Link 2026-02-05T16:29Z [---] followers, [----] engagements
"Yes but forward PE is [--] approx. Thats the one to look at. But standalone wont tell unless overlay with two additional information 1) growth in earning $RDDT is on steroids. 2) Really high margin At this price is attractive entry to start building position. 1) Buy outright 30-40% and then DCA up / down 2) Compound with short put Mar 20th expiry ATM https://twitter.com/i/web/status/2019872110630560233 https://twitter.com/i/web/status/2019872110630560233"
X Link 2026-02-06T20:33Z [---] followers, [---] engagements
"@MichaelRohland7 Yes has bottomed it seems. I went long and added $20 mark. Think next resistance at around $22 and then $25 mark"
X Link 2026-02-07T11:00Z [---] followers, [--] engagements
"Frankly facts are different. $BTC is only store of value which is correct. But $ETH is much more than store of value. $ETH as layer [--] is already on which stablecoins being issued and Organisations like $V and $MC have active use cases built on $ETH. This is disinflationary as well. Along with there is yield mechanism to reward / burn balance. Perhaps you dont know how fast transactions run on $ETH rails growing. You are right to an extent perhaps that there is layer [--] competition and eating $ETH lunch in terms of yield / rewards share on a transaction. Like-like while $BTC is still pioneer"
X Link 2026-02-07T13:11Z [---] followers, [--] engagements
"Yes. Ironic as is perhaps market takes it as the one with lending balance sheet whereas $PGY is B2B and lending (auto home and loans) are acquired to place into ABS instruments. There is first losses principle $PGY follows and keeps 5% on the books. Rest is all off-balance sheet. So contained exposure with fee income. Beautiful business. $PGY needs to invest on to people who can come and present results. Their earning call was horrible. They cant even tell a good story properly. Management failed to convince that risk management is more critical than top line revenue. And in lending is risk"
X Link 2026-02-11T19:23Z [---] followers, [---] engagements
"@OmerCheeema To provide opportunity to investors to get in and buy stock again in $600ish after 4Q earnings:)"
X Link 2025-11-30T11:00Z [---] followers, [--] engagements
"Is more aligned to my PT $SOFI. I shared the time of easrnings that expecting $45 $60 and some I have seen crazy PTs of $75 not likely as stock cant run in front of its valuation so much. Valuation was expensive and i wrote at $30 it was forward PE of [--]. Based on EBITDA and below rating [--] multiple is very reasonable and with cautious optimism. This is +50% upside from today price. I started loading the boat at $19-20 range and is still time. One can expect clean / easy 30-40% upside from current levels. Anything beyond $30 PT $SOFI will have to improve earnings. I dont see any other way."
X Link 2026-02-09T08:26Z [---] followers, [---] engagements
"@jonathan_binsid I short $MU and $ASML on Friday. Looks like good decisions so far. Expect to make good gains on both today. $SLV short was small and not working but will keep adding to position if moves up"
X Link 2026-02-09T11:27Z [---] followers, [---] engagements
"Reason is simple. Same applied for $SOFI also. Price action is not reflective of any negative. Is just re-rating of multiples to more grounded levels. $SHOP despite this 12% drop is [--] forward PE 16PS. Is not real. It worked in bull market wont now. Same for $SOFI wont operate at [--] multiple anymore (60cents outlook and $30 PT would be [--] multiples). Not reflective of their performance. Was stellar. It is just re-rating. PEG (growth factor) is offset against lending balance sheet risk on $SOFI. I did call out that before earnings despite some crazy speculative PTs on $SOFI. It proved to be"
X Link 2026-02-11T16:26Z [---] followers, [---] engagements
"@Kross_Roads @StockMarketNerd Oh he meant $OPEN and $ASST are serious investments and not cult and whatever even when have made retail investors bankrupt by n large"
X Link 2026-02-11T17:39Z [---] followers, [---] engagements
"Earnings standalone not able to dictate positive price action as overall bearish sentiment during which RE_RATING is happening. Valuations are crazy. $SHOP forward PE is around [--] mark. There is no way that wont get re-rated. $SHOP is doing great but just being grounded to reality and more reasonable valuations. https://twitter.com/i/web/status/2021680584809128110 https://twitter.com/i/web/status/2021680584809128110"
X Link 2026-02-11T20:19Z [---] followers, [---] engagements
"$NBIS i said in another post - my take (as you can guess is purely subjective) Scenario 1: Do really well $NBIS sells off still though soft landing Scenario 2: Any miss on [----] / [--] Q or forward guidance $NBIS slides to $60ish right away Scenario [--] / [--] along with dilution: Perhaps slide to $50 levels Scenario 3: Any association with OPEN AI PT $40. What i have done - i had around [---] shares i sold today / yesterday in profit. Replaced with some aggressive short puts. With half of puts along with a strangle. https://twitter.com/i/web/status/2021681548068892848"
X Link 2026-02-11T20:23Z [---] followers, [---] engagements
"@weary_centurion Yes - where prices are and how dirt cheap $PGY valuation is now buy back makes lots of sense. Its valuation is like it will negatively grow or terminal value have to be discounted significantly"
X Link 2026-02-11T19:37Z [---] followers, [---] engagements
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