# ![@goddreng10 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1614387479095697411.png) @goddreng10 goddreng

goddreng posts on X about $upst, $pgy, $sofi, $open the most. They currently have [---] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1614387479095697411/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1614387479095697411/c:line/m:interactions.svg)

- [--] Week [------] +193%
- [--] Month [-------] +66%
- [--] Months [-------] +121%
- [--] Year [-------] +2,770%

### Mentions: [--] [#](/creator/twitter::1614387479095697411/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1614387479095697411/c:line/m:posts_active.svg)

- [--] Month [--] -63%
- [--] Months [---] +120%
- [--] Year [---] +641%

### Followers: [---] [#](/creator/twitter::1614387479095697411/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1614387479095697411/c:line/m:followers.svg)

- [--] Week [---] +19%
- [--] Month [---] +31%
- [--] Months [---] +38%
- [--] Year [---] +126%

### CreatorRank: [-------] [#](/creator/twitter::1614387479095697411/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1614387479095697411/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  70% [finance](/list/finance)  32.73% [cryptocurrencies](/list/cryptocurrencies)  7.27%

**Social topic influence**
[$upst](/topic/$upst) #1, [$pgy](/topic/$pgy) #5, [$sofi](/topic/$sofi) #39, [$open](/topic/$open) #125, [ai](/topic/ai) 8.18%, [$hims](/topic/$hims) 7.27%, [$truf](/topic/$truf) #2, [business](/topic/business) #4812, [inflation](/topic/inflation) #1077, [products](/topic/products) 3.64%

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@winnerinvestor](/creator/undefined) [@nachonnmdr](/creator/undefined) [@capttweetz](/creator/undefined) [@macroguru](/creator/undefined) [@kourtneygans](/creator/undefined) [@joserestonva](/creator/undefined) [@logicalthesis](/creator/undefined) [@bradsferguson](/creator/undefined) [@gubloinvestor](/creator/undefined) [@rebellionaire](/creator/undefined) [@kshriramsharma](/creator/undefined) [@himshouse](/creator/undefined) [@stocktradermax](/creator/undefined) [@echoanalysis](/creator/undefined) [@grok](/creator/undefined) [@paulxgu](/creator/undefined) [@magnussigurdss](/creator/undefined) [@investseekers](/creator/undefined) [@fiststockstar](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [RAI Finance (SOFI)](/topic/$sofi) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [TRUF.Network (TRUF)](/topic/$truf) [Novo-Nordisk (NVO)](/topic/$nvo) [Eli Lilly and Company (LLY)](/topic/$lly) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [Palantir Technologies Inc. (PLTR)](/topic/$pltr) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Blue Owl Capital, Inc. (OWL)](/topic/$owl) [Rocket Companies, Inc. (RKT)](/topic/$rkt) [Klarna Group plc (KLAR)](/topic/$klar)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Who is this dude I mean valuation driven downgrade this is like the cheapest i have seen $UPST in like forever. Wonder which peers he is talking about $UPST : Citizens downgrades to  sets  $ Analyst flags valuation mismatch vs peers despite recent pullback and sees risks to outlook not fully priced in. https://t.co/ViGyoQasq3 $UPST : Citizens downgrades to  sets  $ Analyst flags valuation mismatch vs peers despite recent pullback and sees risks to outlook not fully priced in. https://t.co/ViGyoQasq3"  
[X Link](https://x.com/goddreng10/status/2022292568629752274)  2026-02-13T12:51Z [---] followers, [----] engagements


"As we stated the CPI print comes in SOFT. Expect forecast data from Truflation and peers to be more reflected in CPI print for FEB in one month. MoM Core comes in at 0.3% - in line but higher than i expected. Will dig into what's driving this. $UPST $SOFI $PGY $OPEN $TRUF Seems like a good day tomorrow for a VERY soft CPI print and a complete shift of narrative of this no rate cut hawkish environment to what i believe will happen a scenario where inflation is basically gone and Warsh was picked for a reason. $UPST $SOFI $PGY https://t.co/bHua8qWoLO Seems like a good day tomorrow for a VERY"  
[X Link](https://x.com/goddreng10/status/2022308695766409234)  2026-02-13T13:55Z [---] followers, [---] engagements


"$PGY AND growing 20% YoY. Re-rating is coming. This can't be valued like bankruptcy when their business has never been in a better place. Several new partners lined up for [----]. $PGY market cap is below $1B $PGY has revenue of $1.30B $PGY has net income of $81M PE: [--] FPE:4 Its undervalued stock You might have to hold it for [--] to [--] years but rewards will be massive. its for patient investors. https://t.co/4PPNVIXS9n $PGY market cap is below $1B $PGY has revenue of $1.30B $PGY has net income of $81M PE: [--] FPE:4 Its undervalued stock You might have to hold it for [--] to [--] years but rewards will"  
[X Link](https://x.com/goddreng10/status/2022593115161346123)  2026-02-14T08:45Z [---] followers, [---] engagements


"@JoseRestonVA What a terrible short after its already down 80% from the top man"  
[X Link](https://x.com/goddreng10/status/2019885007213298023)  2026-02-06T21:24Z [---] followers, [---] engagements


"$UPST ER tonight - it will be all about loans on BS. Unfortunately. I've said $UPST should communicate status on the BS before ER so investors could focus on the underlying business. I believe the business is accelerating and i will be a buyer on drops tonight. Rate cuts coming"  
[X Link](https://x.com/goddreng10/status/2021201113618448859)  2026-02-10T12:34Z [---] followers, [----] engagements


"@Gubloinvestor I want exposure to this name too"  
[X Link](https://x.com/goddreng10/status/2022380039388725531)  2026-02-13T18:39Z [---] followers, [----] engagements


"I was planning to go through the ER again but @HenryInvests always delivers. This part where Sanjay is talking about their new efforts in HOME/AUTO attracting the interest of larger institutions. In his new role he can pursue deals like this as his full time job. A partnership with a large institution that can benefit from the best AI lending model in the market would be huge for $UPST. I bought yesterday i bought today and will continue to accumulate at these levels. The valuation here for $UPST is dirt cheap"  
[X Link](https://x.com/goddreng10/status/2022396925018833278)  2026-02-13T19:46Z [---] followers, [----] engagements


"$SOFI is one of my largest positions. We should be at $30+ after the earnings they delivered. But i have used the drop to accumulate more shares and LEAPS actually. SP500 inclusion coming up in March. You think we get in"  
[X Link](https://x.com/goddreng10/status/2022596317122576792)  2026-02-14T08:58Z [---] followers, [---] engagements


"@LogicalThesis When do you buy $PGY at this valuation man"  
[X Link](https://x.com/goddreng10/status/2021114012176417232)  2026-02-10T06:48Z [---] followers, [---] engagements


"My biggest position going into the year $UPST. I'm so bullish on this name. Their business has fundamentally changed in the past [--] years and yet we are still so early. Look into their earnings people still don't realize they are profitable. They are going all in on adressing HOME and AUTO loans which has HUGE TAM's. They basically have the best AI model in the market beating $SOFI $PGY etc. They only bring yearly guidance now but provides monthly origination volume metrics now. VERY transparent. @parthpat87 https://twitter.com/i/web/status/2022605033640972405"  
[X Link](https://x.com/goddreng10/status/2022605033640972405)  2026-02-14T09:33Z [---] followers, [----] engagements


"So what can go wrong from here I don't accept full on recession as an answer. $PGY"  
[X Link](https://x.com/goddreng10/status/2022646086658330703)  2026-02-14T12:16Z [---] followers, [---] engagements


"Couldnt have said it better myself $UPST @HenryInvests @Rebellionaire Been in $UPST since the IPO through all the macro crap and sentiment swings and honestly the fundamentals right now the Growth the profits the funding stability the new products the leadership shift and AI implementation it all feels stronger than anything weve had the @HenryInvests @Rebellionaire Been in $UPST since the IPO through all the macro crap and sentiment swings and honestly the fundamentals right now the Growth the profits the funding stability the new products the leadership shift and AI implementation it all"  
[X Link](https://x.com/goddreng10/status/2022663134511796602)  2026-02-14T13:24Z [---] followers, [---] engagements


"@kshriramsharma Management doesnt have to PR everything"  
[X Link](https://x.com/goddreng10/status/2022678124706849185)  2026-02-14T14:23Z [---] followers, [--] engagements


"The $UPST Renaissance is here. 🚀🤖🏦 While everyone is chasing AI chatbots @Upstart is using AI to disrupt a $4 TRILLION lending market. Heres why the bears are about to get squeezed: [--] The FICO Killer 💀 Traditional credit scores are prehistoric. Upstarts AI uses 1600+ variables and 58M+ data events. Result More approvals lower defaults and 90% fully automated loans. High-speed finance is the only way forward. [--] Scaling the Flywheel ⚙ Its not just personal loans anymore. They are aggressively moving into: 🔹 Auto Retail: Already 100+ partner dealerships. 🔹 Home Equity (HELOC): Tapping into"  
[X Link](https://x.com/goddreng10/status/2022720162093281523)  2026-02-14T17:10Z [---] followers, [----] engagements


"@WinnerInvestor But what catalyst can change this narrative in the market"  
[X Link](https://x.com/goddreng10/status/2022797144969687494)  2026-02-14T22:16Z [---] followers, [--] engagements


""Inflation running too hot" Damn we will get ratecuts this year $TRUF"  
[X Link](https://x.com/goddreng10/status/2012092480519274947)  2026-01-16T09:20Z [---] followers, [---] engagements


"Wonder when we will see all this good stuff $UPST is doing in the share price lol"  
[X Link](https://x.com/goddreng10/status/2015909049536065737)  2026-01-26T22:05Z [---] followers, [----] engagements


"3 loans from $UPST over the years. Loyal customers. Imagine if $UPST had a revolving product Will replace 30% hidden fees credit card debt instantly"  
[X Link](https://x.com/goddreng10/status/2016846563922907569)  2026-01-29T12:11Z [---] followers, [----] engagements


"$UPST Activity tracking much higher compared to last year. Loans on BS remains a near term drag to the stock. Very excited to see what $UPST can deliver in coming quarters. #UTPI https://t.co/3D2qezBqQf #UTPI https://t.co/3D2qezBqQf"  
[X Link](https://x.com/goddreng10/status/2016866882817532248)  2026-01-29T13:31Z [---] followers, [----] engagements


"Proves my point on $UPST. Consumers willing to pay a slightly higher rates too avoid all the document handling directly with banks. I don't get why large institutional banks is not partnering with $UPST"  
[X Link](https://x.com/goddreng10/status/2016938593042751801)  2026-01-29T18:16Z [---] followers, [----] engagements


"HOLY This could not have arrived at a better day 😂😂😂 $UPST 🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m https://t.co/iR32RXHnig 🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m https://t.co/iR32RXHnig"  
[X Link](https://x.com/goddreng10/status/2017345931700515179)  2026-01-30T21:15Z [---] followers, [----] engagements


"So basically we know the PSR is a main component in $UPST UMI. We have seen inflation trending down (good) employment rate fairly stable (slightly neutral/negative) and the PSR in basically falling (negative). Based on [--] rate cuts end of year we should see PSR stabilizing"  
[X Link](https://x.com/goddreng10/status/2017351709337489789)  2026-01-30T21:38Z [---] followers, [----] engagements


"@macro_guru I hope no one expects that loans have been reduced to zero. 1.2bil or below would be great with forward flow to partners. Below 1bil would be AMAZING. They would be reduced over coming quarters"  
[X Link](https://x.com/goddreng10/status/2017889421274583200)  2026-02-01T09:15Z [---] followers, [--] engagements


"HOLY Severe deflation coming to the US soon No rate cuts in sight until June. Wonder if this can change the narrative. $UPST $SOFI $PGY $OPEN $TRUF"  
[X Link](https://x.com/goddreng10/status/2017894072510234981)  2026-02-01T09:33Z [---] followers, [----] engagements


"If Truflations CPI and PCE stays at these levels we probably won't see it in official numbers until Mar/Apr - We might actually get a rate cut before June if this comes true. HOLY Severe deflation coming to the US soon No rate cuts in sight until June. Wonder if this can change the narrative. $UPST $SOFI $PGY $OPEN $TRUF https://t.co/mMdzCMCQSK HOLY Severe deflation coming to the US soon No rate cuts in sight until June. Wonder if this can change the narrative. $UPST $SOFI $PGY $OPEN $TRUF https://t.co/mMdzCMCQSK"  
[X Link](https://x.com/goddreng10/status/2017987944443752659)  2026-02-01T15:46Z [---] followers, [---] engagements


"@HenryInvests @Rebellionaire Great write up Henry. I remember last year they guided for 1bil revenue which i called but analysts were lower than that. I regards to SDL you mention a lot if not generated from I see quite a lot of reviews on small ammounts you sure :) http://Upstart.com http://Upstart.com"  
[X Link](https://x.com/goddreng10/status/2018772767882010736)  2026-02-03T19:45Z [---] followers, [---] engagements


"@davegirouard I've bought more $UPST btw. I still believe we will be champions :)"  
[X Link](https://x.com/goddreng10/status/2018776174999261500)  2026-02-03T19:58Z [---] followers, [----] engagements


"@RonenHayempour Yes i have. Damn i don't really which one offers the best value of $UPST $PGY and $SOFI i need to get more in all [--] probably"  
[X Link](https://x.com/goddreng10/status/2018776457976369461)  2026-02-03T19:59Z [---] followers, [---] engagements


"SOOO WHAT IS ACTUALLY GOING ON First 3' handle in forever for $UPST UMI. Loans on BS important but this is also amazing. @HenryInvests"  
[X Link](https://x.com/goddreng10/status/2018809245983273342)  2026-02-03T22:10Z [---] followers, [----] engagements


"@HenryInvests VERY. It basically went from [---] to [----] in few weeks we have been calling for this. That's [--] basis points. Huge overperformance incoming on loans. NII will print $UPST"  
[X Link](https://x.com/goddreng10/status/2018810890246918557)  2026-02-03T22:16Z [---] followers, [---] engagements


"@WinnerInvestor @HenryInvests Imagine a day where $UPST share actually reacts to the UMI Might be today Like right now Up afterhours"  
[X Link](https://x.com/goddreng10/status/2018811207126499473)  2026-02-03T22:17Z [---] followers, [---] engagements


"@HenryInvests Damn this is awesome man Consider if $UPST also can realize gain on their risk sharing agreements soon. UMI also affects these deals. UMI is just key to everything man"  
[X Link](https://x.com/goddreng10/status/2018812018615353750)  2026-02-03T22:21Z [---] followers, [---] engagements


"$UPST As of yesterday lowest UMI reading basically since [----]. This is KEY for all areas in $UPSTs business. TP reviews with big accelleration last few days. We just need some sort of positive news for the loans on the BS now. $100 is EASILY in sight :)"  
[X Link](https://x.com/goddreng10/status/2019094918468387080)  2026-02-04T17:05Z [---] followers, [----] engagements


"Not a Trump supporter BUT EVERYTHING like many of us has been saying Powell seems to be too late Powell. $UPST $SOFI $PGY $OPEN DAMN"  
[X Link](https://x.com/goddreng10/status/2019429964760981960)  2026-02-05T15:16Z [---] followers, [----] engagements


"Dwayne speaking the truth in crazy markets $UPST"  
[X Link](https://x.com/goddreng10/status/2019527554689036469)  2026-02-05T21:44Z [---] followers, [----] engagements


"@swishseb $HIMS will be sued until they are out of business :) Happy that fake/copy cat drugs dangerous for the cosumers will be eliminated from the market"  
[X Link](https://x.com/goddreng10/status/2019707932611637579)  2026-02-06T09:41Z [---] followers, [---] engagements


"@himshouse Just sue $HIMS until they are bankrupt"  
[X Link](https://x.com/goddreng10/status/2019733811807048050)  2026-02-06T11:24Z [---] followers, [---] engagements


"@TrixInvestments Lol $HIMS having a MOAT 😂 they have zero MOAT. All their FCF going to lawyers if they keep this shit up"  
[X Link](https://x.com/goddreng10/status/2019735854827311607)  2026-02-06T11:32Z [---] followers, [---] engagements


"Crazy some people are defending this scamming shitco company $HIMS. Consumers are paying with their life potentially to save $100. Shocked that anyone would own stocks in $HIMS. Sue them to death $NVO $LLY Hahaha ok so $HIMS is now not just scamming pharma companies for their IP theyre also scamming their own patients too Theyre making a semaglutide pill *without* the (proprietary) SNAC formulation that $NVO uses to prevent the peptide from being totally dissolved/digested Hahaha ok so $HIMS is now not just scamming pharma companies for their IP theyre also scamming their own patients too"  
[X Link](https://x.com/goddreng10/status/2019739280252252340)  2026-02-06T11:45Z [---] followers, [---] engagements


"@StockTrader_Max $HIMS shareholders has to be the worst I have ever seen. Imagine spending millions of dollars in R&D and [--] years later you have an approved product [--] month later everyone copies. NO ONE would develop products that benefits the people. Cancer would never be cured"  
[X Link](https://x.com/goddreng10/status/2019846639972937761)  2026-02-06T18:52Z [---] followers, [---] engagements


"Great day for $UPST. UMI is lowest since [----] AMAZING. TP Reviews/#UTPI tracking close to all time highs GREAT. Only thing is we have earnings on Tuesday and we go up or down +40%. Should be a really strong repport only complete wildcard is the loans on BS. Happy with =1.2bil"  
[X Link](https://x.com/goddreng10/status/2019875359370449210)  2026-02-06T20:46Z [---] followers, [----] engagements


"@nachonnmdr Yeah was not great to the model reaction to macro. Q2 in Aug was the worst though amazing numbers top and bottom line but loans on BS 20% down. I mean to be honest even if loans are there still can we really drop 50% $UPST make money on these loans"  
[X Link](https://x.com/goddreng10/status/2019877773188428046)  2026-02-06T20:56Z [---] followers, [---] engagements


"@JoseRestonVA Let me know why low quality :) This proves my point that random degens use $UPST a high beta short trade. Someone will get burned"  
[X Link](https://x.com/goddreng10/status/2019890090613330074)  2026-02-06T21:45Z [---] followers, [---] engagements


"@CMDarnton0 @himshouse Happy that your shitco criminal company getting sued by DOJ. $HIMS need to drown in lawsuits preferably they go bankrupt. Fake/copy cats stealing from real companies"  
[X Link](https://x.com/goddreng10/status/2019893574104490248)  2026-02-06T21:58Z [---] followers, [---] engagements


"@StockTrader_Max $HIMS fair value is zero. No discount here. $NVO and $LLY legal departments both bigger than $HIMS"  
[X Link](https://x.com/goddreng10/status/2020163894967173576)  2026-02-07T15:53Z [---] followers, [---] engagements


"@RensingTrades Bullish thesis 😂😂 buying a criminal company. You running the Mexican drug cartel etf on the side"  
[X Link](https://x.com/goddreng10/status/2020182323833245788)  2026-02-07T17:06Z [---] followers, [---] engagements


"@hikingskiing @TeslaBoomerMama Why would that interest her"  
[X Link](https://x.com/goddreng10/status/2020188958085542350)  2026-02-07T17:32Z [---] followers, [---] engagements


"@weary_centurion Remember $LLY is joining $NVO in this lawsuit in a few months since their pill is coming"  
[X Link](https://x.com/goddreng10/status/2020204024541421853)  2026-02-07T18:32Z [---] followers, [---] engagements


"What a criminal loser company. Openly breaking a clear patent obtained by years of research. How can anyone own shares in this company CEO should go to jail. $HIMS $NVO $LLY $HIMS will stop offering compounded semaglutide weight loss pills. This comes after conversations with regulators and industry discussions. https://t.co/ZD7OLfEBBC $HIMS will stop offering compounded semaglutide weight loss pills. This comes after conversations with regulators and industry discussions. https://t.co/ZD7OLfEBBC"  
[X Link](https://x.com/goddreng10/status/2020218347925680558)  2026-02-07T19:29Z [---] followers, [---] engagements


"Inflation basically still falling of a cliff $TRUF Huge week incoming with $PGY tomorrow and $UPST and $HOOD Tuesday. NFP wednesday and CPI friday i believe both will come on soft. A little concerned that NFP might come in too soft. This week can change the narrative"  
[X Link](https://x.com/goddreng10/status/2020445473450901786)  2026-02-08T10:31Z [---] followers, [----] engagements


"@WinnerInvestor Yeah. Numbers released next month might honestly be flirting with 2%"  
[X Link](https://x.com/goddreng10/status/2020460748258877675)  2026-02-08T11:32Z [---] followers, [---] engagements


"Truflation compared to official CPI This could get interesting https://t.co/tDuWelDGX3 This could get interesting https://t.co/tDuWelDGX3"  
[X Link](https://x.com/goddreng10/status/2020531476710756718)  2026-02-08T16:13Z [---] followers, [---] engagements


"So $PGY just casually up 10% premarket prior to earnings in a few hours"  
[X Link](https://x.com/goddreng10/status/2020788866584658304)  2026-02-09T09:16Z [---] followers, [----] engagements


"@HenryInvests Really seems that $UPST model is just superior to $PGY's model. I mean $PGY can approve 1% of customers that was rejected 1% Not impressed"  
[X Link](https://x.com/goddreng10/status/2020839878976831661)  2026-02-09T12:39Z [---] followers, [----] engagements


"@HenryInvests I mean $PGY is doing kind a the same excercise $UPST did in last quarter. Not to sacrifice credit compared to revenue fee's. Hmm i belive the consumer is recovering and in a better place than few months ago. Let's see what they say on the call"  
[X Link](https://x.com/goddreng10/status/2020841167831937232)  2026-02-09T12:44Z [---] followers, [----] engagements


"So is this $PGY earnings really worth down 25% Not so sure"  
[X Link](https://x.com/goddreng10/status/2020857236508082600)  2026-02-09T13:48Z [---] followers, [---] engagements


"@HenryInvests Think it was tough to honestly say what exactly got $PGY to scale back on some deals. It could impact $UPST"  
[X Link](https://x.com/goddreng10/status/2020883137224462475)  2026-02-09T15:31Z [---] followers, [---] engagements


"@macro_guru $PGY is too cheap and i own the stock. Biggest position is $UPST though i mean after the $PGY call do they even have an AI model They scaled back due to their partners being cautious $UPST actually have an amazing model"  
[X Link](https://x.com/goddreng10/status/2020891415765471519)  2026-02-09T16:03Z [---] followers, [---] engagements


"$PGY is doing more revenue than their market cap currently. Buybacks will be inevitable"  
[X Link](https://x.com/goddreng10/status/2020912083890471253)  2026-02-09T17:26Z [---] followers, [----] engagements


"@LogicalThesis Why $LC though $UPST is also getting cheap"  
[X Link](https://x.com/goddreng10/status/2021117730640867430)  2026-02-10T07:03Z [---] followers, [---] engagements


"@EchoAnalysis When are you buying"  
[X Link](https://x.com/goddreng10/status/2021151520079712312)  2026-02-10T09:17Z [---] followers, [---] engagements


"@nachonnmdr @Qvintan97 If you are a longterm shareholder you should be fairly calm. But we need to see some form of progress on the balance sheet for sure :)"  
[X Link](https://x.com/goddreng10/status/2021207046385734008)  2026-02-10T12:58Z [---] followers, [--] engagements


"Even if $PGY went up by 50% today it would be extremely undervalued"  
[X Link](https://x.com/goddreng10/status/2021236496255086688)  2026-02-10T14:55Z [---] followers, [----] engagements


"Someone is being brave picking up $UPST the day of earnings. I like it. JUDGEMENT DAY I'm confident they will beat revenue earnings and guidance. But loans on BS will be the decider. GL EVERYONE - expext a huge move in either direction tonight"  
[X Link](https://x.com/goddreng10/status/2021237469446877213)  2026-02-10T14:59Z [---] followers, [----] engagements


"@CaptTweetz 10-year coming down data today favours more rate cuts Powell might be slightly behind"  
[X Link](https://x.com/goddreng10/status/2021237826654748843)  2026-02-10T15:00Z [---] followers, [---] engagements


"I expect bad jobs data tomorrow. Remember Jay Pow said they are overstated by 60K pr. month. All indexes might sell off. Rate cuts will be priced in and we will see strong gains in oversold stocks. Buy the below for +5x return $UPST $SOFI $PGY $OPEN"  
[X Link](https://x.com/goddreng10/status/2021241224636620850)  2026-02-10T15:13Z [---] followers, [----] engagements


"@CaptTweetz @kourtneygans @grok Yeah same :) But i think a lot of worst case is priced in already. I mean the stock was at like $80. Top and bottom is stronger now. I have a scenario where there is zero process on the balance sheet as quite unlikely"  
[X Link](https://x.com/goddreng10/status/2021247501404098966)  2026-02-10T15:38Z [---] followers, [--] engagements


"Do we really believe $UPST can run so hot on the UTPI without having unloaded some of those loans"  
[X Link](https://x.com/goddreng10/status/2021319905962799277)  2026-02-10T20:26Z [---] followers, [----] engagements


"@macro_guru I hope no one is expecting that man. Below 1bil would be absolutely amazing and beat my expectations for sure"  
[X Link](https://x.com/goddreng10/status/2021321542374699080)  2026-02-10T20:33Z [---] followers, [---] engagements


"Markets current expectations for revenue guide for $UPST Q1 2026: $278mil Full year 2026: $1.27bil THIS CAN BE DONE FOR SURE :)"  
[X Link](https://x.com/goddreng10/status/2021326977467142561)  2026-02-10T20:54Z [---] followers, [----] engagements


"So like i basically said and argued with all of you $UPST can reduce loans on their BS without making press releases :)) I was right"  
[X Link](https://x.com/goddreng10/status/2021336285135438230)  2026-02-10T21:31Z [---] followers, [----] engagements


"The risk in $UPST has been dramatically reduced. I said all the time it's not if it's when they offload loans. I expected topline and EPS to be higher. I need to dig into the report. I think i saw a one-off negative $14mil related to realized sale of loans. I will be back"  
[X Link](https://x.com/goddreng10/status/2021355775361417260)  2026-02-10T22:49Z [---] followers, [----] engagements


"So who expected $UPST to move less than 1% on earnings Yes no one. You would have been paid though"  
[X Link](https://x.com/goddreng10/status/2021356205114052782)  2026-02-10T22:50Z [---] followers, [----] engagements


"@jakebrowatzke @alc2022 His attitude is just terrible. The 100x call on $PLTR will stick with me in a long time. Disrespectfull towards his clients"  
[X Link](https://x.com/goddreng10/status/2021525581565952263)  2026-02-11T10:03Z [---] followers, [---] engagements


"New monthly origination data for $UPST. Last updated Jan 28th. They originated MORE in Jan [--] than in Dec [--]. Jan is one of their seasonal weakest quarters. Good things to come for $UPST. Off to a great start hugely undervalued. New Upstart $UPST origination page is pretty cool. They will publish prior month's transaction volume on the 3rd day of each month. https://t.co/Fv14GJAvLJ New Upstart $UPST origination page is pretty cool. They will publish prior month's transaction volume on the 3rd day of each month. https://t.co/Fv14GJAvLJ"  
[X Link](https://x.com/goddreng10/status/2021528710776816104)  2026-02-11T10:16Z [---] followers, [----] engagements


"After yesterdays earnigs $UPST is trading at a FW P/E of [--]. I will be accumulating shares at these levels for sure. Imagine if we price in more rate cuts and credit fears risk would be reduced. We fly to +$100"  
[X Link](https://x.com/goddreng10/status/2021529942618464309)  2026-02-11T10:21Z [---] followers, [----] engagements


"So people are mistaken the normalized/adjusted for the GAAP EPS. Adjusted expectation was like [----] and they put in their realized which was [----]. Shows the coverage on this stock. Terrible coverage and analysts $UPST Im seeing so many reports claiming an EPS miss for UPST but that's flat-out wrong. According to the actual data they beat expectations on both EPS and revenue. https://t.co/TMYwRTe6ys Im seeing so many reports claiming an EPS miss for UPST but that's flat-out wrong. According to the actual data they beat expectations on both EPS and revenue. https://t.co/TMYwRTe6ys"  
[X Link](https://x.com/goddreng10/status/2021541860251230222)  2026-02-11T11:08Z [---] followers, [---] engagements


"Wonder how the analysts will read yesterdays earnings from $UPST I can probably affect the share price. There is a lot to diggest honestly. Mainly positive"  
[X Link](https://x.com/goddreng10/status/2021542141143773677)  2026-02-11T11:09Z [---] followers, [---] engagements


"Market will trade on NFP numbers today and CPI on Friday this defines the narrative. I believe NFP and CPI will both be soft potentially benefitting $UPST. I can't imagine shorts will feel confident in the $UPST short for the coming weeks/months"  
[X Link](https://x.com/goddreng10/status/2021549188929171826)  2026-02-11T11:37Z [---] followers, [----] engagements


"So what's actually holding $UPST stock down anymore Loans on the BS risk was eliminated yesterday and recession/credit fears today with this report. I'm not gonna say it but WHAT A REPORT. Almost too good to be true :))"  
[X Link](https://x.com/goddreng10/status/2021581872799629355)  2026-02-11T13:47Z [---] followers, [----] engagements


"@nachonnmdr Not sure. That's to be expected. Analysts always just follow the price for their target. Their recommendation is what matters the most. Plenty of Buy recommendations for $UPST"  
[X Link](https://x.com/goddreng10/status/2021583522385842484)  2026-02-11T13:54Z [---] followers, [---] engagements


"$UPST just need to keep their head down and deliver on top/bottom-line and reducing the loans on BS. These valuations considering the BS being reduced with atleast $2-300M in Q1 [--] capital allocation should come into play. BUYBACKS will show huge strength for here @paulxgu"  
[X Link](https://x.com/goddreng10/status/2021608620341801247)  2026-02-11T15:33Z [---] followers, [----] engagements


"This gotta be AI generated right Look into adjusted/normalised vs. GAAP EPS. HOLY. I see everyone not understanding this. The earnings was a BEAT. After $UPST just provided a clear solution for funding on new products you list this as a risk Gosh Upstart ( $UPST) Earnings Paradox: Why a Revenue Beat Led to a Market Sell-off Upstart ( $UPST) recently reported its Q4 [----] results and while the headline numbers suggested a "double beat" the stock faced immediate downward pressure. For a company priced as a high-growth AI Upstart ( $UPST) Earnings Paradox: Why a Revenue Beat Led to a Market"  
[X Link](https://x.com/goddreng10/status/2021656638701416594)  2026-02-11T18:44Z [---] followers, [----] engagements


"@MagnusSigurdss I dont think so. But what I thought earlier is the AI disruption trade that all software related can be easily disrupted by AI. Insane that this hits $UPST now. Its not possible in any way"  
[X Link](https://x.com/goddreng10/status/2021671625935192568)  2026-02-11T19:44Z [---] followers, [---] engagements


"@WinnerInvestor What do you believe is the reason"  
[X Link](https://x.com/goddreng10/status/2021692816150216849)  2026-02-11T21:08Z [---] followers, [--] engagements


"Sometimes the market is just irrational. These [--] graphs i really look forward to following for [----]. The market will have a hard time ignoring growth rates like this for $UPST"  
[X Link](https://x.com/goddreng10/status/2021712310868619473)  2026-02-11T22:25Z [---] followers, [----] engagements


"Don't really like this part. Sales&Marketing 12M higher G&A 7M higher - basically for 7M in topline. OPEX last Q 253M this Q 277M 24M higher. What's your guys take Where is these sales and marketing $$ going They did not get ROI on the investment this Q"  
[X Link](https://x.com/goddreng10/status/2021716392471372184)  2026-02-11T22:42Z [---] followers, [----] engagements


"YoY total OPEX up 24%. Same period revenue from fees is up 33%. I got a different impression from @paulxgu on the call last night OPEX is going up quite a lot actually. $UPST"  
[X Link](https://x.com/goddreng10/status/2021717386349432898)  2026-02-11T22:46Z [---] followers, [---] engagements


"@DeItaone Are they not following Truflation lol"  
[X Link](https://x.com/goddreng10/status/2022008973113889279)  2026-02-12T18:04Z [---] followers, [---] engagements


"So what is everyones expectations for tomorrow's CPI headline YoY 2.5% is currently consensus. Tomorrows print will be very key for market sentiment $UPST $SOFI $PGY $OPEN $IWM 2.6% or higher 2.5% - in line (Expected) See results 2.4% or lower 2.6% or higher 2.5% - in line (Expected) See results 2.4% or lower"  
[X Link](https://x.com/goddreng10/status/2022030015899349202)  2026-02-12T19:28Z [---] followers, [---] engagements


"Today will be a strong indication if we can actually use Truflation $TRUF as a frontrunning proxy for CPI. $UPST $SOFI $PGY $OPEN"  
[X Link](https://x.com/goddreng10/status/2022228768090472673)  2026-02-13T08:38Z [---] followers, [----] engagements


"@investseekers So how much higher is total numbers including everything"  
[X Link](https://x.com/goddreng10/status/2022232554385137776)  2026-02-13T08:53Z [---] followers, [---] engagements


"So X is optimistic for CPI So what is everyones expectations for tomorrow's CPI headline YoY 2.5% is currently consensus. Tomorrows print will be very key for market sentiment $UPST $SOFI $PGY $OPEN $IWM So what is everyones expectations for tomorrow's CPI headline YoY 2.5% is currently consensus. Tomorrows print will be very key for market sentiment $UPST $SOFI $PGY $OPEN $IWM"  
[X Link](https://x.com/goddreng10/status/2022286892826350041)  2026-02-13T12:29Z [---] followers, [---] engagements


"@ManufortiCanada @HenryInvests Yes. Their adjusted EPS landed at $0.50. Ive explained this to several individuals also. Says a a lot about the coverage thats so bad. Maybe also a great upside"  
[X Link](https://x.com/goddreng10/status/2022299085596659753)  2026-02-13T13:17Z [---] followers, [---] engagements


"@macro_guru Happy with that comment. $UPST has close to [--] of their partners ready to take all their AUTO/HOME Loans i see funding as solved :)"  
[X Link](https://x.com/goddreng10/status/2022322242101600727)  2026-02-13T14:49Z [---] followers, [---] engagements


"$UPST UMI has dropped from [----] to [----]. I still expect to see the comings months trending down. This is highly positive for $UPSTs elevated loan book if we continue to see this trending down. $UPST overperformance on loans drops directly to their bottom line"  
[X Link](https://x.com/goddreng10/status/2013909381285356007)  2026-01-21T09:39Z [---] followers, [----] engagements


"@kourtneygans @CaptTweetz @grok I think all data pointing towards weak job report tomorrow and weak CPI on Friday. This could change the narrative to a rate cuts in March and potentially [--] cuts for the year. This is great for $UPSTs business"  
[X Link](https://x.com/goddreng10/status/2021238975512391856)  2026-02-10T15:04Z [---] followers, [--] engagements


"Do we really see the fintech space selling off due to the "AI will disrupt everything" trade It can't be $UPSTs report dragging all down. $UPST $SOFI $AFRM $PGY $OPEN $KLAR $OWL $RKT"  
[X Link](https://x.com/goddreng10/status/2021691796384825457)  2026-02-11T21:04Z [---] followers, [---] engagements


"I was in doubt whether to buy $UPST $SOFI or $PGY. So i actually just bought some of all [--]. I have relocated some funds that will be on my account by Monday. So i will continue to buy in these names. A good CPI print tomorrow and a great weekend and i will be happy :)"  
[X Link](https://x.com/goddreng10/status/2022041485466804617)  2026-02-12T20:13Z [---] followers, [----] engagements


"It's getting more and more clear to me that $UPST just have the best AI model in the market for personal lending. Currently offering the best loans in the market for personal Home and Auto. Purchase Mortage and Revolving is TBA. $UPST trades at FW P/E of [--]. LOL. Upstart $UPST literally said this [--] months ago in their November report. Sanjay said the non-prime consumer ( 660s FICO) is in good shape having returned to similar pre-COVID default trends. However on the primer end of the spectrum (FICO 720-750) defaults remained quite Upstart $UPST literally said this [--] months ago in their November"  
[X Link](https://x.com/goddreng10/status/2022055961931002139)  2026-02-12T21:11Z [---] followers, [----] engagements


"Seems like a good day tomorrow for a VERY soft CPI print and a complete shift of narrative of this no rate cut hawkish environment to what i believe will happen a scenario where inflation is basically gone and Warsh was picked for a reason. $UPST $SOFI $PGY"  
[X Link](https://x.com/goddreng10/status/2021989985449291893)  2026-02-12T16:49Z [---] followers, [----] engagements


"Pretty happy with my purchase yesterday of all [--]. I have relocated some funds that arrived early at my account. So now i have some additional cash. What to buy Don't really trust this market. I was in doubt whether to buy $UPST $SOFI or $PGY. So i actually just bought some of all [--]. I have relocated some funds that will be on my account by Monday. So i will continue to buy in these names. A good CPI print tomorrow and a great weekend and i will be happy :) I was in doubt whether to buy $UPST $SOFI or $PGY. So i actually just bought some of all [--]. I have relocated some funds that will be on my"  
[X Link](https://x.com/goddreng10/status/2022333034356490389)  2026-02-13T15:32Z [---] followers, [---] engagements


"@bradsferguson @HenryInvests $UPST landing a big partner would be a huge positive catalyst and a potential change of narrative"  
[X Link](https://x.com/goddreng10/status/2022587824692957538)  2026-02-14T08:24Z [---] followers, [---] engagements


"Guys. I'm basically offering you free money on this one $PGY. I opened a position in $PGY yesterday. Pagaya seems to cheap to ignore. Forward P/E: 6x Price to Sales: 0.9x EV/EBITDA: 1.8x 5Y Revenue CAGR: 50% $PGY is now 5% of my portfolio. https://t.co/rbWAFBh5bu I opened a position in $PGY yesterday. Pagaya seems to cheap to ignore. Forward P/E: 6x Price to Sales: 0.9x EV/EBITDA: 1.8x 5Y Revenue CAGR: 50% $PGY is now 5% of my portfolio. https://t.co/rbWAFBh5bu"  
[X Link](https://x.com/goddreng10/status/2022593363594125655)  2026-02-14T08:46Z [---] followers, [---] engagements


"@midascabal $UPST. Can't believe it's this undervalued"  
[X Link](https://x.com/goddreng10/status/2022595681135841541)  2026-02-14T08:56Z [---] followers, [---] engagements


"@FistStockStar Impossible to say. It had previously support at these levels. CPI numbers slowly changing the narrative. I have bought yesterday and the day before. I see these levels as a great add"  
[X Link](https://x.com/goddreng10/status/2022617231839105425)  2026-02-14T10:21Z [---] followers, [---] engagements


"Yeah it came it a bit lighter than expected but i'm fine with that. What is key here is that they are taking market share and growing HOME/AUTO while they also limited their BS exposure. This is really great. Margins will scale over time for never products they are generating almost $50M pr. quarter in servicing now and their risk sharing agreements are overperforming so they will reap overperformance directly to their bottom line. https://twitter.com/i/web/status/2022640444333494329 https://twitter.com/i/web/status/2022640444333494329"  
[X Link](https://x.com/goddreng10/status/2022640444333494329)  2026-02-14T11:53Z [---] followers, [---] engagements


"@InvestorDenis I would like to believe so but yet you see that storage of copper is all time high. So for [----] we produced more than we actually used"  
[X Link](https://x.com/goddreng10/status/2022704320739717627)  2026-02-14T16:07Z [---] followers, [--] engagements


"$UPST cross selling at it's finest. Refi'ed the auto loan and got a personal debt consolidation for lower rates on the CC debt"  
[X Link](https://x.com/goddreng10/status/2022804653751128375)  2026-02-14T22:46Z [---] followers, [---] engagements

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