[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @jdmsparky Sparky Sparky posts on X about $qfin, $xyf, $jfin, $finv the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours. ### Engagements: XXX [#](/creator/twitter::1519485425735409664/interactions)  - X Week XXXXX +28% - X Month XXXXXX +2,599% ### Mentions: XX [#](/creator/twitter::1519485425735409664/posts_active)  - X Week XX +86% - X Month XX +233% ### Followers: XXX [#](/creator/twitter::1519485425735409664/followers)  - X Week XXX +12% - X Month XXX +189% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1519485425735409664/influencer_rank)  ### Social Influence [#](/creator/twitter::1519485425735409664/influence) --- **Social category influence** [finance](/list/finance) XXXX% [stocks](/list/stocks) XXXX% **Social topic influence** [$qfin](/topic/$qfin) #2, [$xyf](/topic/$xyf) #1, [$jfin](/topic/$jfin) #1, [$finv](/topic/$finv) #3, [$tigr](/topic/$tigr) #17, [$pgy](/topic/$pgy) 6.67%, [insurance](/topic/insurance) 6.67%, [suspicious](/topic/suspicious) 6.67%, [$cvna](/topic/$cvna) 6.67%, [i remember](/topic/i-remember) XXXX% **Top accounts mentioned or mentioned by** [@pls_fix_thx](/creator/undefined) [@masayoshisson](/creator/undefined) [@vdmandele](/creator/undefined) [@barsannny](/creator/undefined) [@plsfixthx](/creator/undefined) [@blondesnmoney](/creator/undefined) [@terenceleong46](/creator/undefined) [@achillesdes](/creator/undefined) **Top assets mentioned** [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Carvana Co. (CVNA)](/topic/$cvna) [CarMax, Inc (KMX)](/topic/$kmx) ### Top Social Posts [#](/creator/twitter::1519485425735409664/posts) --- Top posts by engagements in the last XX hours "$qfin $xyf $finv $jfin $pgy loan facilitation comparison table. XYF still my favorite. then QFIN. JFIN has too little equity to pivot to capital heavy if need be. still good tho. **some players have other businesses (guarantee insurance) which skews the volume/sales ratios" [X Link](https://x.com/jdmsparky/status/1972134880231542899) [@jdmsparky](/creator/x/jdmsparky) 2025-09-28T03:02Z XXX followers, 3302 engagements "spoke with $XYF again today. not much to add just understanding the business better. the more $qfin $finv $jfin fall the better they look. i'll add alot when they bottom out. already all a buy but ill wait. $tigr also catching my interest" [X Link](https://x.com/jdmsparky/status/1976880165927240132) [@jdmsparky](/creator/x/jdmsparky) 2025-10-11T05:18Z XXX followers, 1678 engagements "$JFIN started a small position at XX while working on writeup. I only had XYF before but given JFIN is now worth less the gap has shrunk. Valuation here simply too low even if EBIT falls XX% worst case scenario its a p/e of X. $qfin $finv still falling watching those" [X Link](https://x.com/jdmsparky/status/1978866507355504671) [@jdmsparky](/creator/x/jdmsparky) 2025-10-16T16:51Z XXX followers, XXX engagements "$xyf $qfin $finv Talked again with XYF management. upcoming slowdown is majority due to banks feeling uneasy about the regulation not the actual regulation. funding costs for xyf up from XXX% last year to X% right now. feeling confident overall these firms are doing fine" [X Link](https://x.com/jdmsparky/status/1969909345027752120) [@jdmsparky](/creator/x/jdmsparky) 2025-09-21T23:39Z XXX followers, 1414 engagements "$QFIN been asked about analyst note - not good. "If 24%+ APR loans are fully phased out ICE will need to give up about half of its current loan volume." If QFIN loses XX% of their cap-light what happens to $jfin $XYF who are 80%+ capital light" [X Link](https://x.com/jdmsparky/status/1979035936777240879) [@jdmsparky](/creator/x/jdmsparky) 2025-10-17T04:05Z XXX followers, 2112 engagements "@vdmandele oh sorry i dont make that very clear in my sheet. its the multiples given my dcf's NPV. basically what i think it should trade around. also a new $QFIN analyst note today not good for jfin" [X Link](https://x.com/jdmsparky/status/1978944454070317205) [@jdmsparky](/creator/x/jdmsparky) 2025-10-16T22:01Z XXX followers, XXX engagements "Qfin is 30-40% cap-light 60%+ on bs so they can move the rest over. but $JFIN cant do this they have little equity. $XYF is better off but not by much. and fees+membership are grouped into the XX% now which XYF/JFIN used" [X Link](https://x.com/jdmsparky/status/1979036813634187682) [@jdmsparky](/creator/x/jdmsparky) 2025-10-17T04:08Z XXX followers, XXX engagements "$QFIN also noted they do not see the any way around this XX% cap and have stopped offering 24%+ loans as of Q4. these companies have been through worse. hopefully they are able to find a way they have many times before" [X Link](https://x.com/jdmsparky/status/1979037398269898822) [@jdmsparky](/creator/x/jdmsparky) 2025-10-17T04:10Z XXX followers, XXX engagements "$Tigr I like the financials and valuation behind this asian broker my only worry is that retail excitement in markets is very high and in an extended downturn we may see retail leave the market and revenues fall. however it's cheap relative to peers" [X Link](https://x.com/jdmsparky/status/1970999188348600528) [@jdmsparky](/creator/x/jdmsparky) 2025-09-24T23:50Z XXX followers, 1796 engagements "Met with $XYF IR again - regulatory clarity end of oct not much happening besides funding cost increase. the real problem are increased reporting standards for unlisted small scammy lenders. $qfin $finv $jfin (also - xyf is a tad bit suspicious of jfin they dont disclose much)" [X Link](https://x.com/jdmsparky/status/1974226631766986794) [@jdmsparky](/creator/x/jdmsparky) 2025-10-03T21:34Z XXX followers, 3714 engagements "$CVNA I remember laughing when this shit went from $X to $X. I may have been wrong then but smoking crack is the only excuse for owning this at $XXX. Havent checked in for a while but am interested with the $KMX tricolor & first brands situation" [X Link](https://x.com/jdmsparky/status/1974548732868997477) [@jdmsparky](/creator/x/jdmsparky) 2025-10-04T18:54Z XXX followers, 1763 engagements "@barsannny Sorry if i came off as being bearish on the others im not i like all of them frankly. (I may have thrown in the ticker tags in the wrong spot while running out of chars.) I like $XYF $QFIN $FINV $JFIN. And LX/YRD are ok but lower quality with problems" [X Link](https://x.com/jdmsparky/status/1977030016027574397) [@jdmsparky](/creator/x/jdmsparky) 2025-10-11T15:14Z XXX followers, XXX engagements "@pls_fix_thx I dont have much invested in it its more-so a learning experience than an attempt at a meaningful return. And i have learned quite a bit so far" [X Link](https://x.com/jdmsparky/status/1979182953247711652) [@jdmsparky](/creator/x/jdmsparky) 2025-10-17T13:49Z XXX followers, XX engagements
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@jdmsparky Sparky
Sparky posts on X about $qfin, $xyf, $jfin, $finv the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.
Engagements: XXX #
- X Week XXXXX +28%
- X Month XXXXXX +2,599%
Mentions: XX #
- X Week XX +86%
- X Month XX +233%
Followers: XXX #
- X Week XXX +12%
- X Month XXX +189%
CreatorRank: XXXXXXXXX #
Social Influence #
Social category influence finance XXXX% stocks XXXX%
Social topic influence $qfin #2, $xyf #1, $jfin #1, $finv #3, $tigr #17, $pgy 6.67%, insurance 6.67%, suspicious 6.67%, $cvna 6.67%, i remember XXXX%
Top accounts mentioned or mentioned by @pls_fix_thx @masayoshisson @vdmandele @barsannny @plsfixthx @blondesnmoney @terenceleong46 @achillesdes
Top assets mentioned Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Carvana Co. (CVNA) CarMax, Inc (KMX)
Top Social Posts #
Top posts by engagements in the last XX hours
"$qfin $xyf $finv $jfin $pgy loan facilitation comparison table. XYF still my favorite. then QFIN. JFIN has too little equity to pivot to capital heavy if need be. still good tho. **some players have other businesses (guarantee insurance) which skews the volume/sales ratios"
X Link @jdmsparky 2025-09-28T03:02Z XXX followers, 3302 engagements
"spoke with $XYF again today. not much to add just understanding the business better. the more $qfin $finv $jfin fall the better they look. i'll add alot when they bottom out. already all a buy but ill wait. $tigr also catching my interest"
X Link @jdmsparky 2025-10-11T05:18Z XXX followers, 1678 engagements
"$JFIN started a small position at XX while working on writeup. I only had XYF before but given JFIN is now worth less the gap has shrunk. Valuation here simply too low even if EBIT falls XX% worst case scenario its a p/e of X. $qfin $finv still falling watching those"
X Link @jdmsparky 2025-10-16T16:51Z XXX followers, XXX engagements
"$xyf $qfin $finv Talked again with XYF management. upcoming slowdown is majority due to banks feeling uneasy about the regulation not the actual regulation. funding costs for xyf up from XXX% last year to X% right now. feeling confident overall these firms are doing fine"
X Link @jdmsparky 2025-09-21T23:39Z XXX followers, 1414 engagements
"$QFIN been asked about analyst note - not good. "If 24%+ APR loans are fully phased out ICE will need to give up about half of its current loan volume." If QFIN loses XX% of their cap-light what happens to $jfin $XYF who are 80%+ capital light"
X Link @jdmsparky 2025-10-17T04:05Z XXX followers, 2112 engagements
"@vdmandele oh sorry i dont make that very clear in my sheet. its the multiples given my dcf's NPV. basically what i think it should trade around. also a new $QFIN analyst note today not good for jfin"
X Link @jdmsparky 2025-10-16T22:01Z XXX followers, XXX engagements
"Qfin is 30-40% cap-light 60%+ on bs so they can move the rest over. but $JFIN cant do this they have little equity. $XYF is better off but not by much. and fees+membership are grouped into the XX% now which XYF/JFIN used"
X Link @jdmsparky 2025-10-17T04:08Z XXX followers, XXX engagements
"$QFIN also noted they do not see the any way around this XX% cap and have stopped offering 24%+ loans as of Q4. these companies have been through worse. hopefully they are able to find a way they have many times before"
X Link @jdmsparky 2025-10-17T04:10Z XXX followers, XXX engagements
"$Tigr I like the financials and valuation behind this asian broker my only worry is that retail excitement in markets is very high and in an extended downturn we may see retail leave the market and revenues fall. however it's cheap relative to peers"
X Link @jdmsparky 2025-09-24T23:50Z XXX followers, 1796 engagements
"Met with $XYF IR again - regulatory clarity end of oct not much happening besides funding cost increase. the real problem are increased reporting standards for unlisted small scammy lenders. $qfin $finv $jfin (also - xyf is a tad bit suspicious of jfin they dont disclose much)"
X Link @jdmsparky 2025-10-03T21:34Z XXX followers, 3714 engagements
"$CVNA I remember laughing when this shit went from $X to $X. I may have been wrong then but smoking crack is the only excuse for owning this at $XXX. Havent checked in for a while but am interested with the $KMX tricolor & first brands situation"
X Link @jdmsparky 2025-10-04T18:54Z XXX followers, 1763 engagements
"@barsannny Sorry if i came off as being bearish on the others im not i like all of them frankly. (I may have thrown in the ticker tags in the wrong spot while running out of chars.) I like $XYF $QFIN $FINV $JFIN. And LX/YRD are ok but lower quality with problems"
X Link @jdmsparky 2025-10-11T15:14Z XXX followers, XXX engagements
"@pls_fix_thx I dont have much invested in it its more-so a learning experience than an attempt at a meaningful return. And i have learned quite a bit so far"
X Link @jdmsparky 2025-10-17T13:49Z XXX followers, XX engagements