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# ![@daardos Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1091003460139520000.png) @daardos הגורו

הגורו posts on X about $pgy, $lmnd, $sofi, money the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1091003460139520000/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1091003460139520000/c:line/m:interactions.svg)

- X Week XXXXXX +19%
- X Month XXXXXXX +482%
- X Months XXXXXXX +1,213%
- X Year XXXXXXX -XX%

### Mentions: X [#](/creator/twitter::1091003460139520000/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1091003460139520000/c:line/m:posts_active.svg)


### Followers: XXXXXX [#](/creator/twitter::1091003460139520000/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1091003460139520000/c:line/m:followers.svg)

- X Week XXXXXX +2%
- X Month XXXXXX +5%
- X Months XXXXXX +28%
- X Year XXXXXX +47%

### CreatorRank: XXXXXXX [#](/creator/twitter::1091003460139520000/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1091003460139520000/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1091003460139520000/influence)
---

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [social networks](/list/social-networks)  [technology brands](/list/technology-brands)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[$pgy](/topic/$pgy) #3, [$lmnd](/topic/$lmnd), [$sofi](/topic/$sofi) #91, [money](/topic/money), [$3b](/topic/$3b), [$122b](/topic/$122b), [$11b](/topic/$11b), [$108b](/topic/$108b), [10x](/topic/10x), [$110m](/topic/$110m)

**Top assets mentioned**
[Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Lemonade, Inc. (LMND)](/topic/$lmnd) [RAI Finance (SOFI)](/topic/$sofi) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Artificial Intelligence (AI4)](/topic/$ai4) [Roblox, Corp. (RBLX)](/topic/$rblx) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [MP Materials Corp. (MP)](/topic/$mp) [Oklo Inc. (OKLO)](/topic/$oklo) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [AST SpaceMobile, Inc. Class A Common Stock (ASTS)](/topic/$asts) [QuantumScape Corporation (QS)](/topic/$qs) [D-Wave Quantum Inc. (QBTS)](/topic/$qbts) [Symbotic Inc. Class A Common Stock (SYM)](/topic/$sym) [Joby Aviation, Inc. (JOBY)](/topic/$joby) [Palantir (PLTR)](/topic/$pltr) [Tempus AI, Inc. Class A Common Stock (TEM)](/topic/$tem) [Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts [#](/creator/twitter::1091003460139520000/posts)
---
Top posts by engagements in the last XX hours

"Updated forecast for Pagaya $PGY 2026 and revised valuation estimate 📊 Based on the volume model I shared yesterday projecting $10.8B in volume for 2025 (top end of the company's guidance was $11B) I am upgrading my 2026 forecast to $12.2B. I view this as a conservative estimate. 📁 One reason for the higher 2026 volume is that the company has already secured $3B of FF (Forward Flow) transaction volume from Blue Owl and Castlelake for 2026. For context going into 2025 there were no FF deals secured other than Castlelake's $580M for the year. So $12.2B is a cautious figure. 💰 In my prior"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1948750314946936999) 2025-07-25 14:20:55 UTC 17.8K followers, 3002 engagements


"This is a thread 🧵 about Lemonade $LMND 🍋 a company that believes it can 10x its premiums over the next decade. this thread comes after dozens of hours of research reading and listening to the founders earnings calls and various industry reviews"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1945102666561913080) 2025-07-15 12:46:28 UTC 17.8K followers, 54.9K engagements


"Earlier this week I estimated Pagayas annual interest expense at $60M. I now see it closer to $54M possibly $59M. That raises my base-case 2026 pre-tax profit from $104M to $110M implying a 22.6x pre-tax multiple for 2026"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1948396814283014408) 2025-07-24 14:56:14 UTC 17.8K followers, 2178 engagements


"A major and costly difference between $UPST and $PGY is customer acquisition cost (CAC) $UPST carries it while $PGY doesnt. Just another reason I keep saying: $PGY $UPST"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1948718695485776224) 2025-07-25 12:15:17 UTC 17.8K followers, 3495 engagements


"$PGY and $LMND two companies bringing modern AI to centuries-old industries Lemonade and Pagaya were both founded around 2015 to 2016. Each company applies artificial intelligence not in the context of todays hype around generative AI but as a practical scalable way to modernize traditional sectors like insurance and consumer lending. These industries have existed for centuries yet remained largely untouched by advanced algorithmic systems. Underwriting credit evaluation and pricing models often relied on legacy infrastructure and manual processes. Both companies aim to change that by using"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1950152515401449809) 2025-07-29 11:12:46 UTC 17.8K followers, 5214 engagements


"The Good News - and the Less Good News. $PGY This is taken from SoFi's latest report today. As you can see $SoFi personal loan originations have grown sharply. In the first half of 2025 $SoFi originated $XXXX billion in personal loans compared to $XXXX billion in the first half of 2024 a remarkable XX% year-over-year growth. Out of this $XXXX billion in personal loans were facilitated through $SoFi Loan Platform Business (LPB) in just the first half of 2025 where SoFi does not retain the loans on its balance sheet but instead sells them to external parties. This already exceeds the total LPB"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1950229168639103116) 2025-07-29 16:17:21 UTC 17.8K followers, 3891 engagements


"Pagaya $PGY is the third-best performing growth stock YTD. But unlike most others on the list its rally has happened with almost no hype and minimal coverage. Why Because its fundamentals speak for themselves. This isnt retail enthusiasm its hedge funds and smart money recognizing value early"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1949592205863100790) 2025-07-27 22:06:18 UTC 17.8K followers, 4547 engagements


"Planning to write tomorrow about how the expected interest rate cuts could impact $PGY Pagayas revenues. Spoiler: its a lot of money. The image shows the market forecast for the Fed's interest rate at the end of 2026"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1950305404707045765) 2025-07-29 21:20:18 UTC 17.8K followers, 1482 engagements


"A strong start to fintech earnings season $SOFI results offer early optimism 🚀"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1950153940705653237) 2025-07-29 11:18:26 UTC 17.8K followers, 1424 engagements


"Following Pagaya's $PGY successful bond issuance yesterday and after speaking with several market participants I would like to offer a more accurate estimate of the companys expected interest savings post-issuance. First I want to emphasize that these are my own estimates (as well as those of others) based solely on my interpretation of the companys operations. They may be incorrect and are my responsibility alone. With that said here are the numbers: In the first quarter of this year the company paid $XX million in interest. In the second quarter based on preliminary results published"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1948395216680993155) 2025-07-24 14:49:53 UTC 17.8K followers, 28.5K engagements


"I'm very pleased to see these results they indicate that the Lemonade $LMND investor community consists of professional experienced investors rather than hype chasers. In meme stocks or those driven by hype you'd typically see 70-90% of respondents in favor of buying Bitcoin. But in companies analyzed fundamentally by seasoned investors I would expect much lower support for such moves just like the results we see here. Personally Ive held Bitcoin for many years. But I wouldnt want a company Im invested in to buy Bitcoin just as I wouldnt want Lemonade to buy gold or shares of a company like"  
![@daardos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1091003460139520000.png) [@daardos](/creator/x/daardos) on [X](/post/tweet/1945239950217371873) 2025-07-15 21:51:59 UTC 17.7K followers, 5999 engagements