# ![@SreeramSurapan1 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1490373352355250177.png) @SreeramSurapan1 Victor Jacob

Victor Jacob posts on X about $upst, ai, balance sheet, ceo the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1490373352355250177/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1490373352355250177/c:line/m:interactions.svg)

- [--] Week [------] +168%
- [--] Month [-------] +53%
- [--] Months [-------] +9,759%
- [--] Year [-------] +9,901%

### Mentions: [--] [#](/creator/twitter::1490373352355250177/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1490373352355250177/c:line/m:posts_active.svg)

- [--] Week [--] +39%
- [--] Month [---] +17%
- [--] Months [---] +1,376%
- [--] Year [---] +874%

### Followers: [---] [#](/creator/twitter::1490373352355250177/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1490373352355250177/c:line/m:followers.svg)

- [--] Week [---] +2.30%
- [--] Month [---] +12%
- [--] Months [---] +79%
- [--] Year [---] +220%

### CreatorRank: [---------] [#](/creator/twitter::1490373352355250177/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1490373352355250177/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [cryptocurrencies](/list/cryptocurrencies)  [countries](/list/countries)  [travel destinations](/list/travel-destinations)  [social networks](/list/social-networks)  [financial services](/list/financial-services)  [celebrities](/list/celebrities)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[$upst](/topic/$upst) #8, [ai](/topic/ai), [balance sheet](/topic/balance-sheet), [ceo](/topic/ceo), [strong](/topic/strong), [bullish](/topic/bullish), [fintech](/topic/fintech), [products](/topic/products), [money](/topic/money), [$mara](/topic/$mara)

**Top accounts mentioned or mentioned by**
[@davegirouard](/creator/undefined) [@upstart](/creator/undefined) [@goddreng10](/creator/undefined) [@henryinvests](/creator/undefined) [@paulxgu](/creator/undefined) [@elonfanboy77](/creator/undefined) [@sonyabanerjee](/creator/undefined) [@pawankalyan](/creator/undefined) [@dollarmara](/creator/undefined) [@lisasu](/creator/undefined) [@kshriramsharma](/creator/undefined) [@rounder74339385](/creator/undefined) [@jriz2024](/creator/undefined) [@amd](/creator/undefined) [@parthpat87](/creator/undefined) [@vivekgramaswamy](/creator/undefined) [@naralokesh](/creator/undefined) [@manuforticanada](/creator/undefined) [@thestockfather5](/creator/undefined) [@qvintan97](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [MARA Holdings, Inc. (MARA)](/topic/$mara) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [ZetaChain (ZETA)](/topic/$zeta) [Dogecoin (DOGE)](/topic/doge) [Goldman Sachs (GS)](/topic/goldman-sachs) [Advanced Micro Devices (AMD)](/topic/$amd) [Bitcoin (BTC)](/topic/bitcoin) [Alphabet Inc Class A (GOOGL)](/topic/$googl)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@7amahanti @DJ1P2 "For Upstart everything's up in the air whether it's finding funding partners controlling credit their underwriting model keeps changing" Caintic said. "To sum it up everything is going wrong. And even though the consumer is stressed it just seems that Upstart has a bunc"  
[X Link](https://x.com/SreeramSurapan1/status/1728443317170663621)  2023-11-25T15:59Z [--] followers, [--] engagements


"UPST Most of the loans on their balance sheet are R&D and more susceptible to defaults and a big part of the devaluation is face value devaluation due to interest rate increases. Upstart has sold the vast majority of their loans to banks and credit unions"  
[X Link](https://x.com/SreeramSurapan1/status/1729169299364049164)  2023-11-27T16:04Z [--] followers, [--] engagements


"Sell all bitcoin mining companies before any news on January 10th $bitf $mara $riot $hive SELL THE NEWS IN PLAY"  
[X Link](https://x.com/macro_guru/status/1744726588808479120)  2024-01-09T14:23Z [--] followers, [---] engagements


"Buy $UPST and you will see [--] dollars by end of the year"  
[X Link](https://x.com/macro_guru/status/1856391827148157253)  2024-11-12T17:41Z [---] followers, [---] engagements


"@VivekGRamaswamy Politicians come and GO but the work you are about to do remains forever like Manhattan project"  
[X Link](https://x.com/macro_guru/status/1857146229316354501)  2024-11-14T19:38Z [---] followers, [--] engagements


"$upst $UPST we finally know what they do. Make Money"  
[X Link](https://x.com/macro_guru/status/1857149242319438081)  2024-11-14T19:50Z [---] followers, [---] engagements


"@DOGE @DOGE @VivekGRamaswamy it is not just space. brains also not working they are empty. Lot of IT contractors They are sitting at home and doing home chores They are paid top of the dollars"  
[X Link](https://x.com/macro_guru/status/1859573645300887816)  2024-11-21T12:24Z [---] followers, [--] engagements


"@Brick_Suit @DOGE You think so Lot of them taking care of kids without babysitting expenses and doing other chores some of them even running UPS stores"  
[X Link](https://x.com/macro_guru/status/1859576619163091045)  2024-11-21T12:36Z [---] followers, [---] engagements


"@naralokesh I met you in [----] and we together spend more than [--] min in the corridors of Toronto. You personnely shared your email address. I worked for [------] and [----] eletections leaving my job behind. I had pay birbe to get the propert from parents to my name. No passbooks"  
[X Link](https://x.com/macro_guru/status/1866846801678176379)  2024-12-11T14:05Z [--] followers, [--] engagements


"@ncbn I met you in [----] and served food in hotel in the corridors of Toronto. I worked for [------] and [----] eletections leaving my job behind. I had pay birbe to get the propert from parents to my name. No passbooks"  
[X Link](https://x.com/macro_guru/status/1866874958590115984)  2024-12-11T15:57Z [--] followers, [--] engagements


"Post #TDP I did in [----] [--] [----] AP elections for TDP. #factcheck for govt that helps What did i get in the last [--] yrs recently [--]. family certificate MRO [----] rs [--]. registration of my parent property my name [--]. no passbook @naralokesh @PawanKalyan"  
[X Link](https://x.com/macro_guru/status/1867547357451055511)  2024-12-13T12:29Z [--] followers, [--] engagements


"I did in [----] [--] [----] AP elections for TDP. #factcheck for govt that helps What did i get in the last [--] yrs recently [--]. family certificate MRO [----] rs [--]. registration of my parent property my name [--]. no passbook @PawanKalyan"  
[X Link](https://x.com/macro_guru/status/1867547475600712162)  2024-12-13T12:29Z [--] followers, [--] engagements


"@PawanKalyan I worked for [--] elections for #TDP #NaraLokesh @naralokesh. what I got is corruption to get my own #passbooks Is it the justice for #NRI"  
[X Link](https://x.com/macro_guru/status/1867547798633427347)  2024-12-13T12:31Z [--] followers, [--] engagements


"i will work for you #pawankalyan @PawanKalyan like I did for TDP [--] elections Please get my #passbooks for my own land transfer my parents who are passed away recently"  
[X Link](https://x.com/macro_guru/status/1867548151680578042)  2024-12-13T12:32Z [--] followers, [---] engagements


"@PawanKalyan I met @ncbn in [----] and served food in hotel in the corridors of Toronto. I worked for [------] and [----] eletections leaving my job behind. I had pay [--] lacs to get the property from parents to my name. No passbooks even after [--] months apply asking more money"  
[X Link](https://x.com/macro_guru/status/1867567596452634966)  2024-12-13T13:49Z [--] followers, [--] engagements


"@VivekGRamaswamy I'm sure he is as smart as you are or more smarter than you bless you Vivek for the service you are doing this country Especially DOGE for those that are getting paid especially in IT PROJECTS - High dollars for make work projects"  
[X Link](https://x.com/macro_guru/status/1868333131625115782)  2024-12-15T16:31Z [--] followers, [--] engagements


"I did for TDP [--] elections. I'm #NRI Please get my #passbooks for my own land transfer from my parents who are passed away recently. paid [--] lac bribe for regstration own fields from parents to me. Now passbooks MRO wants IPhone from #USAI will work for you @PawanKalyan"  
[X Link](https://x.com/macro_guru/status/1868339552378835430)  2024-12-15T16:57Z [--] followers, [--] engagements


"Buy out $MARA . Its so undervalued You would have [-----] Bitcoins on Top in your HODL. And You would be a Mining Company too $mstr"  
[X Link](https://x.com/macro_guru/status/1870174000963359172)  2024-12-20T18:26Z [--] followers, [---] engagements


"$MARA [---] billion MC with [--] billion #BITCOIN is simply amazing ;) this means their whole business is valued with [----] billion Set to explode on Monday with #btc100k"  
[X Link](https://x.com/macro_guru/status/1870455765439549623)  2024-12-21T13:06Z [--] followers, [--] engagements


"$MARA - Metrics - real value of the co"  
[X Link](https://x.com/macro_guru/status/1870510755084382584)  2024-12-21T16:44Z [--] followers, [--] engagements


"@dollar_mara same here. i did not expect this performance at all"  
[X Link](https://x.com/macro_guru/status/1871251849489330634)  2024-12-23T17:49Z [--] followers, [---] engagements


"@dollar_mara why even after BTC up 5% what is wrong with $mara"  
[X Link](https://x.com/macro_guru/status/1871585920065143051)  2024-12-24T15:57Z [--] followers, [---] engagements


"i can't imagine lackluster performance from $mara. something is brewing"  
[X Link](https://x.com/macro_guru/status/1871587337102319942)  2024-12-24T16:02Z [--] followers, [--] engagements


"$mara shares are backed by most $BTC. go $mara go $mara"  
[X Link](https://x.com/macro_guru/status/1871639990339506570)  2024-12-24T19:32Z [--] followers, [--] engagements


"@TiffanyFong_ Unfortunately most of the comments are racially motivated not really commenting on the food. what a waste of time"  
[X Link](https://x.com/macro_guru/status/1872710321984381046)  2024-12-27T18:25Z [--] followers, [--] engagements


"@stephenharper You are true leader this and many of your tweets show how concerns whats happening in the world. Justin Trudeau even doesn't care of anything except his position as PM"  
[X Link](https://x.com/macro_guru/status/1872731966547829247)  2024-12-27T19:51Z [--] followers, [--] engagements


"@Jairam_Ramesh STOP politicizing everthing congress is known for this"  
[X Link](https://x.com/macro_guru/status/1872735896497471801)  2024-12-27T20:06Z [--] followers, [--] engagements


"@Jairam_Ramesh Can you tell one reason why PV Narashimha Rao who bought Manmohan Singh to serve this country not even allowed his body to Congress HQ why shame"  
[X Link](https://x.com/macro_guru/status/1872736446441984493)  2024-12-27T20:08Z [--] followers, [--] engagements


"@ForidaMan33 @MAGAVoice shame on you"  
[X Link](https://x.com/macro_guru/status/1873052726697050514)  2024-12-28T17:05Z [--] followers, [--] engagements


"@dollar_mara shame"  
[X Link](https://x.com/macro_guru/status/1873156790952837187)  2024-12-28T23:59Z [--] followers, [--] engagements


"$MARA sentiment is reminiscent of December [----] when major tax loss harvesting sent the stock price to a low of $3.11 As soon as the calendar flipped to [----] MARA surged over 100% in a matter of days while $BTC was flat"  
[X Link](https://x.com/macro_guru/status/1874108405440537085)  2024-12-31T15:00Z [--] followers, [---] engagements


"@dollar_mara Is this rally further to go $mara way below my price"  
[X Link](https://x.com/macro_guru/status/1875202853549244653)  2025-01-03T15:29Z [--] followers, [---] engagements


"@dollar_mara looks like blast today $mara"  
[X Link](https://x.com/macro_guru/status/1875203212028096910)  2025-01-03T15:30Z [--] followers, [--] engagements


"@dollar_mara where you think in the next two days"  
[X Link](https://x.com/macro_guru/status/1875206398487023726)  2025-01-03T15:43Z [--] followers, [--] engagements


"@elonmusk and India. George Soros joined hands with lef in India too :)"  
[X Link](https://x.com/macro_guru/status/1877035419293896886)  2025-01-08T16:51Z [--] followers, [--] engagements


"which mining stock to buy $mara $riot $hut $mstr Mara Hut None of the above Riot Mara Hut None of the above Riot"  
[X Link](https://x.com/macro_guru/status/1877359438102769886)  2025-01-09T14:19Z [--] followers, [---] engagements


"@USAmbIndia @USAndIndia @USAndHyderabad @USAndMumbai @USAndChennai @USAndKolkata @usaid_india @SPANmag Pannuns rhetoric is clear: he has threatened the lives of Indian leaders including Prime Minister Narendra Modi the Chief Minister of Punjab and others. Yet Garcetti suggests that unless Pannun directly acts on those threats the US is powerless to intervene. This absurd"  
[X Link](https://x.com/macro_guru/status/1881058651546468391)  2025-01-19T19:18Z [--] followers, [---] engagements


"@LisaSu @AMD Yes. Dr Lisa you're solely responsible AMD to lose $150 billion in market cap for [--] year straight. we are disappointed you being silently watching to fall and destory our hard earned money"  
[X Link](https://x.com/macro_guru/status/1898850156138713181)  2025-03-09T21:35Z [--] followers, [--] engagements


"@LisaSu @AMD Yes. Dr Lisa you're solely responsible AMD to lose $150 billion in market cap for [--] year straight. we are disappointed you being silently watching to fall and destory our hard earned money"  
[X Link](https://x.com/macro_guru/status/1898850217727762496)  2025-03-09T21:35Z [--] followers, [--] engagements


"@HotAisle @HyperTechInvest @LisaSu AMD net income for [----] $1.641B on $25 B (NVDA $72.8B on $130B) AMD [----] $1.32B on $23B (NVDA $4B on $26B) AMD has some serious governance / management issue. . Lisa (and her team) can be even considered parasitic at this stage"  
[X Link](https://x.com/macro_guru/status/1918055398222778556)  2025-05-01T21:30Z [--] followers, [--] engagements


"@LisaSu @AMD Do realize that the AMD non-gaap number include $1.4B in stock based compensation (not "xilinx goodwill") AMD stock based compensation for [----] was 26% of its non-gapp net income. (and 87% of its GAP net income) For NVDA its 6% hence that parasitic comment"  
[X Link](https://x.com/macro_guru/status/1918074524987277796)  2025-05-01T22:46Z [--] followers, [--] engagements


"@RicchaDwivedi Her loyalty is questionable These leftist journalists should be questioned"  
[X Link](https://x.com/macro_guru/status/1920097179814793692)  2025-05-07T12:43Z [--] followers, [--] engagements


"@mrubin1971 The problem with Operation Simboor" == "Operation Sindoor" - meaning the vermillion worn by married Hindu women was chosen to honour the widows of those killed in the April [--] Pahalgam terror attack which claimed [--] lives and left behind shattered families"  
[X Link](https://x.com/macro_guru/status/1920141151794843649)  2025-05-07T15:38Z [--] followers, [--] engagements


"@Elon_fanboy77 i need to decide something with AMD as I did lost [----] when spy was up 24%. Same thing in [----] too. This year is -20%. can we be intouch rather than this public messages"  
[X Link](https://x.com/macro_guru/status/1920156466058608940)  2025-05-07T16:39Z [--] followers, [--] engagements


"@Jutuuuuu @SkyNews @SkyYaldaHakim @JaiveerShergill No sympathy for the country that harboured bin laden"  
[X Link](https://x.com/macro_guru/status/1920274129493651778)  2025-05-08T00:26Z [--] followers, [--] engagements


"@MsMelChen Very well explained kudos"  
[X Link](https://x.com/macro_guru/status/1920808795472548335)  2025-05-09T11:51Z [--] followers, [--] engagements


"@kshriramsharma do you like affirm"  
[X Link](https://x.com/macro_guru/status/1932838742923841984)  2025-06-11T16:34Z [--] followers, [--] engagements


"@Elon_fanboy77 @puurdaddy @AMD what made google and AWS stay if MI300 and MI [---] series is so great can Dr Lisa can explain"  
[X Link](https://x.com/macro_guru/status/1933267387853242558)  2025-06-12T20:57Z [--] followers, [--] engagements


"@davegirouard @Upstart Big banks fall in line with you soon"  
[X Link](https://x.com/macro_guru/status/1940448537696956855)  2025-07-02T16:32Z [--] followers, [---] engagements


"@HenryInvests BEAT & RAISE is needed for $UPST to sustain the valuation and momentum to keep rising @davegirouard"  
[X Link](https://x.com/macro_guru/status/1942948004022874522)  2025-07-09T14:04Z [--] followers, [---] engagements


"@HenryInvests @GoldmanSachs it is time to load up great chance That is what @GoldmanSachs doing"  
[X Link](https://x.com/macro_guru/status/1944749451454665117)  2025-07-14T13:22Z [--] followers, [---] engagements


"@kshriramsharma good for you $upst. Its only investment or how much percentage of your portifolio is upst"  
[X Link](https://x.com/macro_guru/status/1948876859279655139)  2025-07-25T22:43Z [--] followers, [---] engagements


"@kshriramsharma Thanks Shriram. I do not hold many like you xxxxx but like to watch the company just [---] shares. $upst Dave is true leader so new highs in the coming years"  
[X Link](https://x.com/macro_guru/status/1949162706449088826)  2025-07-26T17:39Z [--] followers, [---] engagements


"@davegirouard @CNBC Very soon $upst buys $FICO and then use it as scrap"  
[X Link](https://x.com/macro_guru/status/1949164342064062887)  2025-07-26T17:46Z [--] followers, [---] engagements


"Its frustrating that analysts asking the same questions around loans on the balance sheet for $upst. Management have been very clear about this. Infact this is great opportunity not liability having loans on thier balancesheet🤣 Great company $UPST and fabulous earnings 📷"  
[X Link](https://x.com/macro_guru/status/1953062309896548384)  2025-08-06T11:55Z [--] followers, [---] engagements


"Shame on you Mr. Market $upst growing at 102% you punished with 18% down. Mr Market you will regret it soon"  
[X Link](https://x.com/macro_guru/status/1953461688243540121)  2025-08-07T14:22Z [--] followers, [---] engagements


"@RajTheGreat100 @crypto_stock_0 @davegirouard Keep disappointing investors even after earnings that investor didn't liked about loans on balancesheet proceeded for diluation sad"  
[X Link](https://x.com/macro_guru/status/1954898782446821868)  2025-08-11T13:32Z [--] followers, [--] engagements


"$UPST disappointed all with loans on BS. A week after earnings the diluation. The market will need an announced funding deal for auto/home loans before stock price move up and then possibly highs for the year. I hope $upst management is working on it. @HenryInvests"  
[X Link](https://x.com/macro_guru/status/1955423267814310337)  2025-08-13T00:16Z [--] followers, [---] engagements


"$UPST disappointed all with loans on BS. A week after earnings the diluation. The market will need an announced funding deal for auto/home loans before stock price move up and then possibly highs for the year. I hope $upst management is working on it .@davegirouard"  
[X Link](https://x.com/macro_guru/status/1958613987421299181)  2025-08-21T19:35Z [--] followers, [---] engagements


"@mattscottcap Its obsurd. $upst needs to fix these things. 36% APR for harward MBA graduate with a job Insane"  
[X Link](https://x.com/macro_guru/status/1958616614141571414)  2025-08-21T19:46Z [--] followers, [---] engagements


"$UPST management should take serious note of selling the loans off their books. Wallstreet Doesn't Like It All Many of the wellknown investors doesn't trust @davegirouard U-turn on loans. We should be $85-100 right now based on where rest of the market is. @HenryInvests"  
[X Link](https://x.com/macro_guru/status/1970537613540106348)  2025-09-23T17:15Z [--] followers, [---] engagements


"@davegirouard @HenryInvests $UPST management have u heard us @davegirouard @Upstart"  
[X Link](https://x.com/macro_guru/status/1971226988896714989)  2025-09-25T14:55Z [--] followers, [---] engagements


"@LisaSu needs to come up with a strategic solution forging a partnership or initiating a collaboration or more concisely "She needs to engineer a clever approach to get $AMD movment going""  
[X Link](https://x.com/macro_guru/status/1971231894416281695)  2025-09-25T15:14Z [--] followers, [--] engagements


"$UPST to enter BNPL The company's core AI lending technology which uses more than just credit scores to assess risk could be applied to BNPL. This could allow Upstart to make more precise lending decisions and offer BNPL to a broader range of consumers"  
[X Link](https://x.com/macro_guru/status/1980676904224010410)  2025-10-21T16:45Z [--] followers, [----] engagements


"$UPST entering into new growth market soon The B2B buy now pay later market is experiencing rapid growth with some projecting transaction volumes to reach $1 trillion by [----]. Entering this space would allow Upstart to tap into a large expanding sector Stay tuned"  
[X Link](https://x.com/macro_guru/status/1980705550557180313)  2025-10-21T18:39Z [--] followers, [---] engagements


"The pure definition of greed and stupidity : 35% shorted That never ends well Folks Greed "blinds you" by distorting judgment making you unable to see the value of $UPST and when this flips your smart bet will blow up fast""  
[X Link](https://x.com/macro_guru/status/1982846466931720431)  2025-10-27T16:26Z [--] followers, [----] engagements


"$UPST Investors are awaiting the official earnings report to see if the company's performance held up in the third quarter and also confirming that Upstart is entering the buy now pay later (BNPL) market with its own product"  
[X Link](https://x.com/macro_guru/status/1982939103747285425)  2025-10-27T22:34Z [--] followers, [---] engagements


"@danielisdizzy $upst"  
[X Link](https://x.com/macro_guru/status/1983594756069523710)  2025-10-29T18:00Z [--] followers, [---] engagements


"@alc2022 $DUOL is going to bankrupt soon. no one uses them and those who signed up are exiting"  
[X Link](https://x.com/macro_guru/status/1983663028429308269)  2025-10-29T22:31Z [--] followers, [---] engagements


"$UPST failure to clear its balance sheet of loans is seen as a significant risk @davegirouard . It shows company away from its model as a fee-generating technology platform and more toward a riskier bank-like entity"  
[X Link](https://x.com/macro_guru/status/1983931204874203172)  2025-10-30T16:17Z [--] followers, [---] engagements


"$upst More loans on the balance sheet means more risk"  
[X Link](https://x.com/macro_guru/status/1983931806685573425)  2025-10-30T16:19Z [--] followers, [---] engagements


"$UPST Q3 ER AI lending marketplace that connects borrowers with lenders like banks and credit unions AI-powered tech Market pl Lender wt more loans - BS AI-powered tech Market pl Lender wt more loans - BS"  
[X Link](https://x.com/macro_guru/status/1984323820065362327)  2025-10-31T18:17Z [--] followers, [---] engagements


"Anticipation is building for another $UPST capital raise through a share sale. At the current valuation a sizable raise would be extremely dilutive likely dropping the stock below $10. @davegirouard"  
[X Link](https://x.com/macro_guru/status/1986529320420942316)  2025-11-06T20:21Z [--] followers, [---] engagements


"Could you explain the drivers behind the increase in loans held on Upstart's balance sheet during [----] @davegirouard"  
[X Link](https://x.com/macro_guru/status/1986576256943505625)  2025-11-06T23:27Z [--] followers, [--] engagements


"@amyactonoh RealClearPolling show Vivek Ramaswamy leading Amy Acton by about [---] points across multiple polls as of mid-October. Neutral non-partisan polling consistently favors Ramaswamy by 5-7 points in Ohio's red-leaning electorate"  
[X Link](https://x.com/macro_guru/status/1986595043705045147)  2025-11-07T00:42Z [--] followers, [---] engagements


"@davegirouard Dave the on-balance-sheet loans are a primary driver of investor anxiety which is reflected in the recent stock depreciation. To restore confidence and provide peace of mind to investors we need a clear plan outlining how these concerns will be resolved"  
[X Link](https://x.com/macro_guru/status/1986858815149539563)  2025-11-07T18:10Z [--] followers, [----] engagements


"@davegirouard Urgent priority must be to remove the loans from the balance sheet. Furthermore the management's explanations of AI model during recent con calls have caused confusion among investors. We urge the team to prepare more effectively for future calls to provide clearer communication"  
[X Link](https://x.com/macro_guru/status/1986865653546881092)  2025-11-07T18:37Z [--] followers, [---] engagements


"@davegirouard if you are truly building something extraordinary $upst the ongoing sale of $3.5 million worth of stock every month is contradictory. Please start buying the stock to show confidence to investors who have lost 50-60% of their hard-earned money"  
[X Link](https://x.com/macro_guru/status/1987551618632413234)  2025-11-09T16:03Z [--] followers, [---] engagements


"@davegirouard There are lessons $UPST management might learn from observing $PGY"  
[X Link](https://x.com/macro_guru/status/1987910890289778911)  2025-11-10T15:51Z [--] followers, [---] engagements


"I have been blocked by Dave of $UPST following my suggestion that the company consider loan reduction on BS or a share repurchase program.This incident raises questions about the company's approach to investor relations and feedback @Upstart @davegirouard @paulxgu @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1988269666352197806)  2025-11-11T15:36Z [--] followers, [---] engagements


"Dave from Upstart $upst has blocked me. My comments were simple suggestions: either clear the loans from the balance sheet or stop selling $3.5M worth of stock monthly. It seems he took offense to these suggestions @paulxgu @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1988277576608223404)  2025-11-11T16:08Z [--] followers, [---] engagements


"@CletusClapton Dave blocked me as well. My comments were simple suggestions: either clear the loans from the balance sheet or stop selling $3.5M worth of stock monthly. It seems he took offense to these suggestions"  
[X Link](https://x.com/macro_guru/status/1988278406493139346)  2025-11-11T16:11Z [--] followers, [--] engagements


"It appears @davegirouard at $upst took offense when I suggested he either clear the company's loans from the balance sheet or buy stock himself instead of selling $3.5 million worth per month. Consequently he blocked many investors including me. @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1988279851057639507)  2025-11-11T16:17Z [--] followers, [---] engagements


"@HenryInvests @Rebellionaire Henry your hard work is appreciated by every $upst investor By highlighting crucial 10K details that few others review you are providing significant value to the company. Excellent work We'd be thrilled to have you as part of our team. @davegirouard @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1988613490773475461)  2025-11-12T14:22Z [--] followers, [---] engagements


"@HenryInvests Help us send a message: give this post a like if you want Henry on the earnings call #upstartForHenry $upst @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1989022871663067522)  2025-11-13T17:29Z [--] followers, [---] engagements


"Remember the Q1 [----] earnings call when Dave Girouard addressed the rising loans on $UPST balance sheet The move away from the pure 'marketplace' model for R&D purposes didn't sit well with the market leading some to feel misled about the company's direction. Do you agree"  
[X Link](https://x.com/macro_guru/status/1990831802441671126)  2025-11-18T17:17Z [--] followers, [---] engagements


"@StockMarketNerd $upst"  
[X Link](https://x.com/macro_guru/status/1990930809818054829)  2025-11-18T23:51Z [--] followers, [---] engagements


"@KirkLubimov India previously requested the extradition of Talwinder Singh Parmar the alleged mastermind behind the Air India Flight [---] bombing; Canada refused the request and more than [--] Indian extradition requests remain pending between the two nations"  
[X Link](https://x.com/macro_guru/status/1991936194524148078)  2025-11-21T18:26Z [--] followers, [---] engagements


"@MockeryMinister @KirkLubimov India previously requested the extradition of Talwinder Singh Parmar the alleged mastermind behind the Air India Flight [---] bombing; Canada refused the request and more than [--] Indian extradition requests remain pending between the two nations"  
[X Link](https://x.com/macro_guru/status/1991936259883987230)  2025-11-21T18:26Z [--] followers, [--] engagements


"@Ethan113554 @grok does khalistan has a place and support in India"  
[X Link](https://x.com/macro_guru/status/1993404502968615215)  2025-11-25T19:40Z [--] followers, [--] engagements


"@RupaliChadhaMD Honor your lineage and the ancestors whose journeys led to your existence"  
[X Link](https://x.com/macro_guru/status/1994031204039823444)  2025-11-27T13:11Z [--] followers, [----] engagements


"@DNIGabbard Tulsi Gabbard is known for her decorated military service having served in Iraq and Kuwait with the Army National Guard. This highlights her experience in the armed forces. Thank you Tulsi. we love it"  
[X Link](https://x.com/macro_guru/status/1994035666917679596)  2025-11-27T13:28Z [--] followers, [--] engagements


"Is the UMI spike spooking Upstart $UPST short sellers"  
[X Link](https://x.com/macro_guru/status/1994432393671790985)  2025-11-28T15:45Z [--] followers, [---] engagements


"It is frustrating to see $upst stock decline amid a rising market particularly as management failed to deliver on its promise to lighten the balance sheet by December [----] @paulxgu @davegirouard"  
[X Link](https://x.com/macro_guru/status/1995952234874704203)  2025-12-02T20:24Z [--] followers, [----] engagements


"When key management figures such as the $upst CEO lack credibility the investment case for the stock collapses"  
[X Link](https://x.com/macro_guru/status/1995975895862157506)  2025-12-02T21:58Z [--] followers, [---] engagements


"The persistent accumulation of loans on $UPST balance sheet is unacceptable and directly contradicts claims of a stable macro environment which the UMI has already validated with downward revisions. why its is failing to secure forward flow agmt at the rate of peers like $PGY"  
[X Link](https://x.com/macro_guru/status/1996228713587826868)  2025-12-03T14:43Z [--] followers, [---] engagements


"@goddreng10 @HenryInvests The persistent accumulation of loans on $UPST balance sheet is unacceptable and directly contradicts claims of a stable macro environment which the UMI has already invalidated with two revisions. why its is failing to secure forward flow agmt at the rate of peers like PGY"  
[X Link](https://x.com/macro_guru/status/1996230458091139147)  2025-12-03T14:50Z [--] followers, [---] engagements


"Are there fundamental flaws in the current strategy that explain why the company continues to fail to secure new forward-flow agreements even after $upst UMI has already revised its pricing expectations downward twice @paulxgu @HenryInvests @sama"  
[X Link](https://x.com/macro_guru/status/1996234264837300295)  2025-12-03T15:05Z [--] followers, [---] engagements


"Skeptical $UPST small investors urge @davegirouard to sell balance-sheet loans to fund buybacks arguing management ignores retail holders and the move would squeeze shorts"  
[X Link](https://x.com/macro_guru/status/1997725529689268565)  2025-12-07T17:50Z [--] followers, [---] engagements


"$upst loan originations and revenue surged 70% YoY yet it trades at just 20x P/E. This wide valuation discount reflects deep investor skepticism leaving one key question: will management take bold action to rebuild confidence @paulxgu @davegirouard @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1997727829333803197)  2025-12-07T18:00Z [---] followers, [---] engagements


"A big Q4 beat could trigger a violent short squeeze 22%+ of float short puts $UPST in prime territory (like $LMNDs recent 20%+ rip). Only catch: it needs a real volume surge (avg 6.8M) to force covering. No volume shorts stay comfy"  
[X Link](https://x.com/macro_guru/status/1997761894397218917)  2025-12-07T20:15Z [--] followers, [---] engagements


"@goddreng10 A big Q4 beat could trigger a violent short squeeze 22%+ of float short puts $UPST in prime territory (like $LMNDs recent 20%+ rip). Only catch: it needs a real volume surge (avg 6.8M) to force covering. No volume shorts stay comfy"  
[X Link](https://x.com/macro_guru/status/1997762084067827906)  2025-12-07T20:16Z [--] followers, [---] engagements


"$upst is a top buy-and-hold for [----] with massive upside potential. Managements balance sheet commitments are credible this time concerns are set to resolve soon and the stock is primed to rocket higher once clarity emerges. @paulxgu @davegirouard @sonya_banerjee"  
[X Link](https://x.com/macro_guru/status/1998034126100988317)  2025-12-08T14:17Z [--] followers, [---] engagements


"$UPST Q3: Loans +128% YoY revenue +71% to $277M pure AI-fueled carnage.2026 crash ROFL.Analysts scream Strong Buy $54$80 targets = 60100% rocket fuel from $46.20%+ growth 30%+ EBITDA margins INC This beast only goes one way: nuclear upside.Load up or get left in ashes"  
[X Link](https://x.com/macro_guru/status/1998038264457089081)  2025-12-08T14:33Z [---] followers, [---] engagements


"$UPST shorts are stacked to the brim right now sweating bullets as they wait to cover but with big news expected in the next couple of weeks theyre about to get straight-up vaporized"  
[X Link](https://x.com/macro_guru/status/1998046840797929929)  2025-12-08T15:07Z [--] followers, [---] engagements


"$upst short squeeze is no longer a question of if only how brutally"  
[X Link](https://x.com/macro_guru/status/1998056161623363705)  2025-12-08T15:44Z [---] followers, [----] engagements


"$UPST apes just turned the options chain into a war zone Traders are HAMMERING OTM & ATM calls for Dec [--] & Dec [--] [----] Insane volume pouring in gamma building like a nuke Shorts about to get absolutely obliterated. Something ENORMOUS is getting priced in before EOY"  
[X Link](https://x.com/macro_guru/status/1998085551627595984)  2025-12-08T17:41Z [---] followers, [----] engagements


"$UPST Dec [--] $50 calls: Hammered with high volume; getting loaded by whales Dec [--] $55 calls: $55K premium traded scoring 70/100 bullish on flow trackers Dec [--] OTM/ATM calls: Insane volume pouring inturning the chain into a war zone with gamma buildup shorts at risk of sqz"  
[X Link](https://x.com/macro_guru/status/1998385071468741036)  2025-12-09T13:31Z [---] followers, [---] engagements


"If President Trumps interest-rate masterplan gracefully materializes through his new Fed chair. Those darling $upst shorts will be ever-so-politely quivering in their little boots when it finally lands. As I so kindly foretold gentlemen. Terribly sorry about your positions"  
[X Link](https://x.com/macro_guru/status/1998433900620570889)  2025-12-09T16:45Z [--] followers, [---] engagements


"$UPST short interest just hit 30% of float 30%. These shorts are max leveraged against the hottest AI lender out there. One gap up = most brutal short squeeze of the quarter. Theyre completely trapped. Bulls about to eat. $UPST $100+ incoming"  
[X Link](https://x.com/macro_guru/status/1998763204839879107)  2025-12-10T14:34Z [--] followers, [---] engagements


"$UPST quietly eyeing the exploding BNPL space just weeks ago Smart move: first lock in dominance on HELOC + auto loans then drop the BNPL bomb. This isnt random expansion its a calculated power play. I see the vision crystal clear $UPST about to own multiple lanes"  
[X Link](https://x.com/macro_guru/status/1998766627660374227)  2025-12-10T14:47Z [---] followers, [---] engagements


"Institutions quietly stacking millions of $upst shares (smart moneys already in) Rate-cut rocket fuel + AI lending boom = $UPST about to rip faces off into next earnings"  
[X Link](https://x.com/macro_guru/status/1998838961347690692)  2025-12-10T19:35Z [--] followers, [---] engagements


"Just hit a new record: $upst 60+ Trustpilot reviews in ONE day . Ending the quarter on fire revenue set to crush guidance"  
[X Link](https://x.com/macro_guru/status/1998845733584384045)  2025-12-10T20:02Z [--] followers, [----] engagements


"$upst Shorts are getting obliterated todays cut has them in full panic mode. Powell just confirmed: more slashes incoming [----] especially H2. New Fed chair Just to keep torching rates. Bulls eating shorts bleeding"  
[X Link](https://x.com/macro_guru/status/1998853484268183613)  2025-12-10T20:33Z [--] followers, [---] engagements


"Bears thinking $UPST is gonna crater in this choppy market are straight up delusional and about to get ABSOLUTELY OBLITERATED. Monster earnings drop incoming that's the match for an EPIC short squeeze with shorts still trapped at 30%+ of float. They're gonna get buried alive"  
[X Link](https://x.com/macro_guru/status/1999115834334089625)  2025-12-11T13:55Z [---] followers, [----] engagements


"$UPST volume must surge immediately and decisively. Complacent bears and over-leveraged shorts are on the verge of total capitulation. We are initiating the squeeze triggering the covering cascade and leaving no escape. Panic covering incomingthose who dont will be buried"  
[X Link](https://x.com/macro_guru/status/1999198021657952613)  2025-12-11T19:22Z [---] followers, [---] engagements


"Hearing reports that $UPST may be preparing to transition additional loans off its BS through third-party forward flow agreements. An announcement could come as early as next week.This development would significantly reduce balance sheet risk and support sustained growth"  
[X Link](https://x.com/macro_guru/status/1999563374594523560)  2025-12-12T19:33Z [---] followers, [----] engagements


"Upstart CEO Dave Girouard dropping gems: "Using an LLM for customer support = TWO 'zero to one' moments for a company." $UPST is MILES aheadAI turning service into a superpower while old lenders choke on dust Big auto/HELOC forward flow deals incoming"  
[X Link](https://x.com/macro_guru/status/1999902590797320448)  2025-12-13T18:01Z [---] followers, [---] engagements


"@GloriaDharmi we love your hardwork and dedication on this and many more may god bless you and your loved ones forever"  
[X Link](https://x.com/macro_guru/status/2000216624515747912)  2025-12-14T14:49Z [---] followers, [--] engagements


"It appears that $UPST is performing strongly across multiple areas with the high volume of reviews this week . The potential to offload loans from the balance sheet via forward flow funding reinforce $100 seeming increasingly plausible"  
[X Link](https://x.com/macro_guru/status/2000596382332100763)  2025-12-15T15:58Z [---] followers, [----] engagements


"$upst community are you anticipating the announcement or activation of a forward flow agreement to offload loans from the balance sheet this week or next week @davegirouard"  
[X Link](https://x.com/macro_guru/status/2000604019698381305)  2025-12-15T16:29Z [---] followers, [----] engagements


"$UPST shorts think they can keep hammering the stock lower but they've completely misunderstood the situation. This isn't 2023/24 anymorewe're actually printing decent money with minimal equity dilution and sky-high gross margins. Sorry losers. you're about to get squeezed"  
[X Link](https://x.com/macro_guru/status/2000665480940368145)  2025-12-15T20:33Z [---] followers, [---] engagements


"BREAKING: unemployment CLIMBS again.That means MILLIONS of creditworthy Americans are out there RIGHT NOW desperately searching for loans This is EXACTLY when AI lending platforms dominate -Approve fair fast small-dollar loans -exploding revenue = $UPST stock absolutely sends"  
[X Link](https://x.com/macro_guru/status/2000934046063583682)  2025-12-16T14:20Z [---] followers, [---] engagements


"Many retail investors skeptical of new funding announcements for auto/HELOC loans on $UPST balance sheet. @davegirouard deeply worried about stock price & holding 10M shares would love to drop good news for shareholders soonCould happen before Christmas"  
[X Link](https://x.com/macro_guru/status/2000953872530149879)  2025-12-16T15:39Z [---] followers, [----] engagements


"Old-school FICO lending is dying a slow death Traditional lenders got crushed in recent cycles AI-power platforms like $UPST Orig. exploding: 159% YoY Rev surging 70% Defaults plunging below industry avg The future of lending is AI more approvals low risk massive growth"  
[X Link](https://x.com/macro_guru/status/2000967395322814532)  2025-12-16T16:32Z [---] followers, [---] engagements


"$AFRM BNPL model carries greater direct credit risk and delivers lower margins than $UPST asset-light fee-based AI platform which minimizes exposure while achieving higher contribution margins (57% in recent quarters) do you agree"  
[X Link](https://x.com/macro_guru/status/2001001254911402411)  2025-12-16T18:47Z [---] followers, [---] engagements


"BREAKING: $UPST Macro Index just dropped even lower. Shorts are gonna be shitting their pants tomorrow Like I told y'all beforeUpstart's AI lending machine is absolutely FIRING on all cylinders across EVERY product line. Personal loans auto HELOCs you name it. Period"  
[X Link](https://x.com/macro_guru/status/2001040893856370861)  2025-12-16T21:25Z [---] followers, [----] engagements


"UMI at multi-year lows [----] healthier macro lower credit pressure booming loan volumes ahead Fed cuts continuing (rates now 3.5-3.75%) boosts borrower demand & growth $UPST AI models delivering lower defaults & superior risk vs. traditional lenders Why wait"  
[X Link](https://x.com/macro_guru/status/2001064560107688183)  2025-12-16T22:59Z [---] followers, [---] engagements


"Markets might be choppy right now but $UPST fundamentals are screaming growth. Strong tailwinds kicking in hard for [----] lower rates expanding partnerships and AI lending dominance poised to explode. Bears staying short You're about to lose your shirts"  
[X Link](https://x.com/macro_guru/status/2001330446530134069)  2025-12-17T16:35Z [---] followers, [---] engagements


"$UPST loan volumes in [----] set to shatter the all-time high from [----] lower rates surging demand in auto/HELOC/personal and AI crushing it. Stock rocketing past the [----] peak of $400+ to new ATH soon. Mark my words bulls this is the comeback"  
[X Link](https://x.com/macro_guru/status/2001356473574801546)  2025-12-17T18:19Z [---] followers, [----] engagements


"BREAKING: Inflation comes in significantly lower than expected while weekly jobless claims hold steady as anticipated. Odds of a Federal Reserve interest rate cut in Jan are surging sending $UPST stock skyrocketing in pre-market trading. Short sellers are feeling the squeeze"  
[X Link](https://x.com/macro_guru/status/2001647631806988439)  2025-12-18T13:35Z [---] followers, [---] engagements


"$upst is emerging as a compelling investment opportunity heading into [----] thanks to its AI-driven lending platform and potential tailwinds from improving macroeconomic conditions. Not owning it could mean missing out on significant upside in the fintech space"  
[X Link](https://x.com/macro_guru/status/2001658414431150511)  2025-12-18T14:18Z [---] followers, [---] engagements


"With low inflation persisting and unemployment on the rise alongside expectations of an interest rate cut the Upstart Macro Index is trending downwardsignaling improving conditions for lending. As a result $UPST shares are poised for a potential spike of at least 10% today"  
[X Link](https://x.com/macro_guru/status/2001664660488044568)  2025-12-18T14:43Z [---] followers, [---] engagements


"I'm sorry $upst upstart shorts. your time has come and gone Hope you're still kicking"  
[X Link](https://x.com/macro_guru/status/2001675205106704387)  2025-12-18T15:25Z [---] followers, [---] engagements


"This is exactly what I expected to rise todaysee my previous $UPST post from earlier today. I anticipate this stock reaching at least $100 by December 2026"  
[X Link](https://x.com/macro_guru/status/2001680460083077473)  2025-12-18T15:46Z [---] followers, [----] engagements


"If you're short $UPST this could be the perfect moment to cover before a potential post-Christmas/New Year squeeze Fresh smart money inflows in early [----] + seasonal rally could blast it past $60 easy. Shorts playing with fire here #UPST #StockMarket #FinTwit"  
[X Link](https://x.com/macro_guru/status/2001716880839709127)  2025-12-18T18:11Z [---] followers, [---] engagements


"Jan/Feb = PRIME TIME: Per. loan volumes explode post-holidays as all scrambles to consolidate maxed-out credit card debt. $upst busiest & strongest period.Mark my words: Before Q4 earnings mid-Feb $UPST holding strong above $60. Seasonal surge + AI dominance = moonshot loading"  
[X Link](https://x.com/macro_guru/status/2001744197099934028)  2025-12-18T19:59Z [---] followers, [---] engagements


"$UPST Tax refund season peaks Jan-Mar many borrowers (esp. lower-income/non-prime) get big refunds and pay down existing debt (credit cards etc.) instead of taking out new personal loans. Result: Q1 originations often flat/down sequentially but pick up strong in late March"  
[X Link](https://x.com/macro_guru/status/2001751786164547629)  2025-12-18T20:29Z [---] followers, [---] engagements


"Another dose of pain for those cocky $UPST shorts today then let 'em chase the Christmas rallyjust to crush their Christmas Eve and New Year's with the ultimate spoiler. Sit tight bulls"  
[X Link](https://x.com/macro_guru/status/2002001640136884421)  2025-12-19T13:02Z [---] followers, [---] engagements


"Desperate $UPST shorts on their knees begging bulls: 'Can you save me today' Bulls: 'No sorry. Enough is enough' Rot in hell bears"  
[X Link](https://x.com/macro_guru/status/2002025920983335053)  2025-12-19T14:39Z [---] followers, [---] engagements


"$UPST CEO @DaveGirouard: Ex-Google powerhouse who built their cloud empire.Pioneering revolutionary AI lending models expanding credit access. Retail piling in on his proven track recordmassive upside ahead. [----] returns gonna explode. Mark my words. #AI #FinTech"  
[X Link](https://x.com/macro_guru/status/2002075354220069295)  2025-12-19T17:55Z [---] followers, [---] engagements


"$UPST CEO @davegirouard drops: "Those who stay will be champions." He knows what's cominginsider mastery of revolutionary AI models.Retail misses it Nah. Trust this tech pioneer. HODL for the massive payoff"  
[X Link](https://x.com/macro_guru/status/2002076131521147249)  2025-12-19T17:58Z [---] followers, [---] engagements


"CEO @davegirouard dropping truth bombs: Funding Zero issue - current & new products covered. Real challenge: economically acquiring borrowers (UMI improving rapidly exactly the focus he wants). Growth itself is not the problem. $UPST primed for $400+ ATH"  
[X Link](https://x.com/macro_guru/status/2002757688871285180)  2025-12-21T15:06Z [---] followers, [---] engagements


"$UPST CEO @davegirouard just debunked the funding-for-new-products narrative pushed by some retail investors.Real issue: macro + high rates. Once those turn (expected 2026) $UPST is primed to rip like Carvana did from $5 $600+.2025 pain = macro headwinds. [----] = tailwinds"  
[X Link](https://x.com/macro_guru/status/2002802305683579286)  2025-12-21T18:04Z [---] followers, [----] engagements


"Upstart CEO: Growth problem Never heard of it. $UPST already at 80% YoY and [----] is shaping up to be even stronger. Bullish as hell"  
[X Link](https://x.com/macro_guru/status/2002820546271297630)  2025-12-21T19:16Z [---] followers, [----] engagements


"$UPST retail crowd is fired up:Funding drama for new product CEO says youre wrong some call it rude AF Others: We can sell the loans just wait for better pricing Counter: Dont want Pagaya-style discounted auto loans Bottom line: most are still screaming [----] is UPSTs"  
[X Link](https://x.com/macro_guru/status/2003091813759062286)  2025-12-22T13:14Z [---] followers, [----] engagements


"Amid all the chatter about $UPST loan performance heres what the data shows: loans are delivering strong growth and profitability with no major default crisis Delinquencies have ticked up modestly but remain moderate and well-managed even in a cautious env. @davegirouard"  
[X Link](https://x.com/macro_guru/status/2003115400113119657)  2025-12-22T14:48Z [---] followers, [---] engagements


"As many of you expected still no word from $UPST mgmt on clearing the BS loans via forward flow agreements. Hoping they get it done in the next few days before Q4 earnings. Strong sense that mgmt wants the momentum to stay hot post-earnings once those loans are off the books"  
[X Link](https://x.com/macro_guru/status/2003119891529036237)  2025-12-22T15:06Z [---] followers, [----] engagements


"$UPST CEO @davegirouard didnt just say were on fire in [----] he basically implied it. Founder + deep technical background + 10+ years learning the business game better than most financial wizards. $400 stock coming soon"  
[X Link](https://x.com/macro_guru/status/2003123140030087679)  2025-12-22T15:19Z [---] followers, [---] engagements


"$UPST Adjusted EBITDA Margin has climbed EVERY SINGLE QUARTER for the last four quarters From 18% 26% in just one year. That's not just recovery that's straight-up operational domination. Go $UPST Go @davegirouard"  
[X Link](https://x.com/macro_guru/status/2003449414338355637)  2025-12-23T12:55Z [---] followers, [---] engagements


"$UPST Conversion Rate hit 23.9% in Q2 [----] tying [----] peaks then dipped to 20.6% in Q3 as AI models got conservative on macro signals. Q4 tailwinds are FULLY ON: expect a fresh high rivaling or topping 2021's 23-24% avg. Stock primed for ATH"  
[X Link](https://x.com/macro_guru/status/2003538953287168205)  2025-12-23T18:51Z [---] followers, [---] engagements


"UMI revisions signal improving macro conditions.Sept revised down from [----] [----] Oct from [----] [----]. $UPST originated more loans than initially modeled boosting conversion rates (originations legitimate inquiries).Nov UMI edged up slightly to [----] vs. Oct's revised 1.43"  
[X Link](https://x.com/macro_guru/status/2003590613816746195)  2025-12-23T22:16Z [---] followers, [---] engagements


"UMI revisions = hugely bullish Signals strong Q4 & Upstart crushing loan volume expectations.Nov UMI up slightlybut vs revised (lower) Oct and still way below Q3 peaks. What more do you want from a growth beast $UPST"  
[X Link](https://x.com/macro_guru/status/2003806780204425484)  2025-12-24T12:35Z [---] followers, [---] engagements


"Shorts on $UPST can't keep betting against this for much longer All the macro & business tailwinds are lining up perfectly for a massive [--] breakout If you're still doubting it sorry no one's coming to save your position. EPS could easily surge toward $4+ as loan vol explode"  
[X Link](https://x.com/macro_guru/status/2003848938429010415)  2025-12-24T15:23Z [---] followers, [---] engagements


"Come on you $UPST upstartstep it up You're capable of way better in this bullish green market But hey goodbye [----]. you didn't perform as expected. Let's crush 2026"  
[X Link](https://x.com/macro_guru/status/2003869112402100499)  2025-12-24T16:43Z [---] followers, [---] engagements


"$UPST pushing to close above $49 today Just a friendly heads-up to the shorts watch out"  
[X Link](https://x.com/macro_guru/status/2003880784252559442)  2025-12-24T17:29Z [---] followers, [---] engagements


"Back at that $48.56 dip I warned $UPSt shorts Now we're cruising in the green at $48.91 That's all the gains I need today"  
[X Link](https://x.com/macro_guru/status/2003884568064283021)  2025-12-24T17:44Z [---] followers, [---] engagements


"90K $UPST shares just got dumped in the final [--] minutes price tanked instantly. Panic seller about to get wrecked with huge losses after Xmas bounce. Classic"  
[X Link](https://x.com/macro_guru/status/2003888798099530102)  2025-12-24T18:01Z [---] followers, [---] engagements


"$UPST management needs to step up and deliver big for shareholderstime to squash these shorts piling in harder than on any other fintech Hoping @davegirouard makes it a priority"  
[X Link](https://x.com/macro_guru/status/2003890367373234439)  2025-12-24T18:07Z [---] followers, [---] engagements


"Subprime auto delinquencies hit record 6.65% (60+ days) in Octbut subprime is just 15% of the market. Prime rates ultra-low at 0.37% personal loan delinquencies also low. Lenders securitize into ABS sold to institutions for yield. No systemic risk. $UPST #safe"  
[X Link](https://x.com/macro_guru/status/2003917320637624731)  2025-12-24T19:54Z [---] followers, [---] engagements


"$UPST crushing personal loans their main volume driver Latest data: serious delinquency just 3.52% (tiny bump from 3.50% YoY). Elite performance proving AI superiority. BTIG analyst's bogus report sparked 8% dip. then quietly corrected. Classic FUD from clueless "experts""  
[X Link](https://x.com/macro_guru/status/2004181897321369692)  2025-12-25T13:26Z [---] followers, [----] engagements


"2025 dips in $UPST scream BUY at 3x forward salesprime entry for AI lending powerhouse eyeing 35%+ growth into [----] amid profitability surge"  
[X Link](https://x.com/macro_guru/status/2004196222643671355)  2025-12-25T14:23Z [---] followers, [---] engagements


"@Ashton_1nvests $AMD $UPST"  
[X Link](https://x.com/macro_guru/status/2004241312049254889)  2025-12-25T17:22Z [---] followers, [---] engagements


"@StockSavvyShay Add $UPST"  
[X Link](https://x.com/macro_guru/status/2004289484322755046)  2025-12-25T20:33Z [---] followers, [---] engagements


"$UPST is the powerhouse revolutionizing AI lending undisputed leader changing the game100+ banks & credit unions new wins like Tech CU & Pathward are partnering with Upstart's superior AI to approve more borrowers slash risks and crush competition.Bullish AF Let's moon this"  
[X Link](https://x.com/macro_guru/status/2004532783860052385)  2025-12-26T12:40Z [---] followers, [---] engagements


"Think you can short/hammer $UPST in this thin holiday liquidity YOU'RE DEAD WRONG This beast is ready to RIP FACES OFF into [----] Bulls stacking heavy calls exploding (put/call crushed at 0.3x) shorts at 27% float getting nervous Don't fade the squeeze get on the right side"  
[X Link](https://x.com/macro_guru/status/2004577727001862478)  2025-12-26T15:39Z [---] followers, [---] engagements


"$UPST auto originations exploding in Q3 [----] newer products (auto home small-dollar) each surging 300% YoY Auto retail crushed it: doubled live dealership rooftops QoQ + 70% sequential volume growth rapid network expansion + AI innovations set to supercharge 2026"  
[X Link](https://x.com/macro_guru/status/2004606932435566980)  2025-12-26T17:35Z [---] followers, [----] engagements


"Upstart $UPST crushed [----] with robust funding partnerships now over [---] banks & credit unions live on its AI lending platform"  
[X Link](https://x.com/macro_guru/status/2004939172545802254)  2025-12-27T15:35Z [---] followers, [----] engagements


"$UPST bulls are ALL IN for [----] most optimistic analysts see EPS exploding to $4.58/share even Morgan Stanley's base case is a rock-solid adjusted $4.13 If Upstart keeps crushing with AI diversification & macros turn friendly next [--] months could easily push us to $125150"  
[X Link](https://x.com/macro_guru/status/2005021194509320297)  2025-12-27T21:01Z [---] followers, [----] engagements


"@unusual_whales $UPST"  
[X Link](https://x.com/macro_guru/status/2005067749710856433)  2025-12-28T00:06Z [---] followers, [---] engagements


"$UPST AI approves 44% more borrowers overall than outdated FICO models -while keeping defaults low with massive gains for underserved Comms : 52% more Black borrowers & 57% more Hispanic borrowers approval at lower rates Time to ditch FICO and embrace fairer credit for everyone"  
[X Link](https://x.com/macro_guru/status/2005310954540872170)  2025-12-28T16:12Z [---] followers, [---] engagements


"$UPST AI underwriting obsesses over killer credit performanceno reckless growth zero short-term pumps. Pure discipline built for the long haul. CEO nails it: We never sacrifice credit for volume""  
[X Link](https://x.com/macro_guru/status/2005322687644905775)  2025-12-28T16:59Z [---] followers, [---] engagements


"$UPST Morning spikes Bears & shorts crush 'em every time. This pattern ends only when CEO @davegirouard delivers on BS. Dave's locked in on the stock and he + the team are going FULL THROTTLE to unload those BS loans"  
[X Link](https://x.com/macro_guru/status/2005667679034843237)  2025-12-29T15:50Z [---] followers, [---] engagements


"HELOC rates dipping to 7.4% nationally lowest in years Demand for home equity borrowing is surging just like in past low-rate cycles.Upstart's AI-powered HELOC is primed for explosive vol growth with rapid 38+ state exp. $UPST positioned for massive upside as volumes explode"  
[X Link](https://x.com/macro_guru/status/2005687457380212886)  2025-12-29T17:08Z [---] followers, [----] engagements


"$UPST better to gap down at open scare the shorts into covering in panic than to start green and get absolutely wrecked by bears piling in later"  
[X Link](https://x.com/macro_guru/status/2006011457897451887)  2025-12-30T14:36Z [---] followers, [---] engagements


"Is $UPST acting like management has no plans to offload balance sheet loans anytime soon"  
[X Link](https://x.com/macro_guru/status/2006059309961015642)  2025-12-30T17:46Z [---] followers, [---] engagements


"$UPST at $45 while markets hit all-time highs is a gut punch for longs who bought into the asset-light vision.Mgmt: Why no balance sheet lightening by EOY [----] as promised Q3 holdings hit $1.2Byes for IV&V but persistent growth undermines the core model we invested in"  
[X Link](https://x.com/macro_guru/status/2006100946510655770)  2025-12-30T20:31Z [---] followers, [----] engagements


"$UPST CEO: Were ready to attack [--] with energy unknown to mankind Inspiration Sure. But smells like distraction from the mess piling loans on the BS after promising a pure fee-based model Deliver on the original hype first skip the fluffy quotes. S'Holders feeling this burn"  
[X Link](https://x.com/macro_guru/status/2006109007555989872)  2025-12-30T21:03Z [---] followers, [---] engagements


"Upstart $UPST management & CEO absolutely screwed retail bagholders in [----] stock tanked despite massive tailwinds like Fed rate cuts & falling UMI (macro defaults easing). Brutal for us longs"  
[X Link](https://x.com/macro_guru/status/2006175432563904739)  2025-12-31T01:27Z [---] followers, [---] engagements


"$UPST about to test $40-42 support. CEO's hype tweets feel more like smoke & mirrors than real confidence classic diversion. Tech genius Absolutely. Public company comms skills Not so much.Rare to see a CEO pump this hard and consistently underdeliver"  
[X Link](https://x.com/macro_guru/status/2006344688287281628)  2025-12-31T12:40Z [---] followers, [---] engagements


"$UPST bagholders maxed out on frustration heading into year-end.Forums packed with holders down 30-40% YTD. Mgmt credibility took a hit overpromised on Q2/Q3 delivery on BS then conservative models held back vol.Why commit to bold targets on the call if you're not 100% sure"  
[X Link](https://x.com/macro_guru/status/2006348669516411347)  2025-12-31T12:56Z [---] followers, [---] engagements


"@goddreng10 It's unlikely that the loans have been removed from the Bs at this point. The CEO is probably just aiming to build some positive buzz around the stock by highlighting ongoing discussions though that's likely a pointless endeavor in the end"  
[X Link](https://x.com/macro_guru/status/2006350288299737333)  2025-12-31T13:02Z [---] followers, [--] engagements


"@goddreng10 If you look at how the CEO comm. you'll see why he's hyping things up he's been quietly dumping shares for a long time Now he can't thanks to the backlash. yes a lot of retail investors here are long-term holders calling the complainers shortterm folks whining is just an excuse"  
[X Link](https://x.com/macro_guru/status/2006352694940959091)  2025-12-31T13:12Z [---] followers, [--] engagements


"@goddreng10 If you read the earnings call transcript you'll clearly see whether management overpromised on Q2/Q3 balance sheet cleanup/deliverables or not.I'm in deep pain holding thisit's so bad I can barely sleep"  
[X Link](https://x.com/macro_guru/status/2006353226514464914)  2025-12-31T13:14Z [---] followers, [---] engagements


"Has anyone seen any update from $upst CFO on his Q3 earnings call promise "We are aiming to enter into a phase of reducing our R&D-related balance sheet holdings which we anticipate will gain steam in Q4 and continue into 2026"Q4 is ending today did that "steam" pick up Aww"  
[X Link](https://x.com/macro_guru/status/2006368967292858820)  2025-12-31T14:16Z [---] followers, [---] engagements


"$UPST BEARISH and FRUSTRATED"  
[X Link](https://x.com/macro_guru/status/2006372499995382088)  2025-12-31T14:30Z [---] followers, [----] engagements


"Astronomical [----] promises incoming from $UPST CEO ("energy unknown to mankind" vibes ). But quick history reality check: 8% in [--] years S&P [---] ripped +100%+ in the same period (with dividends pushing total return even higher)"  
[X Link](https://x.com/macro_guru/status/2006387008944714222)  2025-12-31T15:28Z [---] followers, [---] engagements


"$UPST bears are cashing in big (60% short volume) after management failed to deliver on their promises especially that BS about lightening the balance sheet in Q4. Where's the CFO's vow to ramp up offloading those held loans Q4 just wrapped and we're still waiting"  
[X Link](https://x.com/macro_guru/status/2006391279186542638)  2025-12-31T15:45Z [---] followers, [----] engagements


"Wow $UPST retail bagholders up 30% in [----] while Nasdaq limped to 20% Living the absolute dream Huge love to CEO & mgmt for this epic win legends Happy New Year diamond hands forever"  
[X Link](https://x.com/macro_guru/status/2006478736934449624)  2025-12-31T21:33Z [---] followers, [---] engagements


"@ManufortiCanada Thanks Josh for your moral support"  
[X Link](https://x.com/macro_guru/status/2006558898623492286)  2026-01-01T02:51Z [---] followers, [---] engagements


"@rounder74339385 @ManufortiCanada Bought heavy in the high 80s put like 80% of my portfolio in at the worst possible time. Been feeling down about it every single day. Now wondering if I should just wait to hit my entry price and exit"  
[X Link](https://x.com/macro_guru/status/2006735255852691719)  2026-01-01T14:32Z [---] followers, [--] engagements


"@rounder74339385 @ManufortiCanada Didn't plan on concentrated riskit just crept in naturally from stacking sats steadily since [----]. Totally agree: $UPST's core business & mmgmtare rock solid.And honestly Dave speaking out so openly means the world to us retail holders. Truly appreciate his transparent comm"  
[X Link](https://x.com/macro_guru/status/2006742733982167235)  2026-01-01T15:02Z [---] followers, [---] engagements


"@rounder74339385 Don't see a recession on the horizonno one really knows for sure but the consumer is still strong so far with solid government support and the Fed having our back"  
[X Link](https://x.com/macro_guru/status/2006743503381160035)  2026-01-01T15:05Z [---] followers, [--] engagements


"@rounder74339385 Like Josh said $UPST is super volatile but if things align lower rates kicking in strong demand it could hit our target in just [--] months. Hoping we get there soon.Plan: Sell covered calls over the next couple months to lower my average cost. especially if it pushes into60s"  
[X Link](https://x.com/macro_guru/status/2006744103695036726)  2026-01-01T15:07Z [---] followers, [---] engagements


"@rounder74339385 Thank you my friend for being so kind and gentleyour words truly mean a lot. Wishing you massive wins in your investments and an amazing life ahead. Best wishes always right back at you Happy New Year"  
[X Link](https://x.com/macro_guru/status/2006744910180053496)  2026-01-01T15:10Z [---] followers, [--] engagements


"$UPST bulls dominating options Volume: Puts 5k vs Calls 10.6k PCR [----] (heavy call buying) OI: Puts 114k vs Calls 211k PCR [----] (bulls holding strong) VERY BULLISH big upside incoming #UPST #Options #Bullish #Stocks"  
[X Link](https://x.com/macro_guru/status/2006770147504304584)  2026-01-01T16:51Z [---] followers, [---] engagements


"$UPST defied the Upstart Macro Index headwinds and closed decently up on Friday to kick off [----] strong. All signs point to major tailwinds ahead for $UPSTno doubt about it bulls in control"  
[X Link](https://x.com/macro_guru/status/2007860834148773905)  2026-01-04T17:05Z [---] followers, [---] engagements


"$UPST just needs one big catalyst meaningful Fed rate cuts kicking in to blast past $80"  
[X Link](https://x.com/macro_guru/status/2007863169239396355)  2026-01-04T17:14Z [---] followers, [---] engagements


"$UPST shorts getting worried already Stock kicking off [----] strong at $48 after a volatile [----] ride (peaks $96 dips to low $40s). But fundamentals firing: 80%+ origination growth profitability back AI crushing it and management teeing up big [----] expansion"  
[X Link](https://x.com/macro_guru/status/2008192629260030383)  2026-01-05T15:03Z [---] followers, [---] engagements


"$UPST Why those insane 50%+ drops in days when fundamentals were crushing it Those $644M held-for-sale loans Pure R&D fuelzero shake to conviction. Mgmt heard us loud & clear: clearing them ASAP (Q4 '25 '26). $522M investment loans stay for the long-term edge"  
[X Link](https://x.com/macro_guru/status/2008204280843715041)  2026-01-05T15:49Z [---] followers, [---] engagements

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