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# ![@marketswithmay Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1608598477809786881.png) @marketswithmay MarketswithMay

MarketswithMay posts on X about rev, $sofi, debt, $bx the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::1608598477809786881/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:interactions.svg)

- X Week XXXXXXX +35%
- X Month XXXXXXX +33%
- X Months XXXXXXXXX -XXXX%
- X Year XXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::1608598477809786881/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:posts_active.svg)

- X Week XXX +99%
- X Month XXX -XXXX%
- X Months XXXXX -XX%
- X Year XXXXX -XXXX%

### Followers: XXXXX [#](/creator/twitter::1608598477809786881/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:followers.svg)

- X Week XXXXX +0.77%
- X Month XXXXX +1.40%
- X Months XXXXX +9.10%
- X Year XXXXX +31%

### CreatorRank: XXXXXXX [#](/creator/twitter::1608598477809786881/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1608598477809786881/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [countries](/list/countries)  XXXX% [technology brands](/list/technology-brands)  XXXX% [social networks](/list/social-networks)  XXXX% [celebrities](/list/celebrities)  XXXX% [automotive brands](/list/automotive-brands)  XXXX%

**Social topic influence**
[rev](/topic/rev) #106, [$sofi](/topic/$sofi) #35, [debt](/topic/debt) #366, [$bx](/topic/$bx) #10, [china](/topic/china) #2885, [$hood](/topic/$hood) 1.83%, [all the](/topic/all-the) 1.83%, [money](/topic/money) 1.83%, [$sivb](/topic/$sivb) #1, [balance sheet](/topic/balance-sheet) #1814

**Top accounts mentioned or mentioned by**
[@grok](/creator/undefined) [@macrovet888](/creator/undefined) [@sfarringtonbkc](/creator/undefined) [@winnerinvestor](/creator/undefined) [@kadakkaspar](/creator/undefined) [@cameronboswell8](/creator/undefined) [@monkechevarria](/creator/undefined) [@damascenemoment](/creator/undefined) [@pewithjoe](/creator/undefined) [@herrohansbrix](/creator/undefined) [@nataninvesting](/creator/undefined) [@11takesphotos](/creator/undefined) [@optimalbayes](/creator/undefined) [@ruchernchong](/creator/undefined) [@kevindmonaghan](/creator/undefined) [@greg16676935420](/creator/undefined) [@stockmeetups](/creator/undefined) [@therealdonaldc3](/creator/undefined) [@theofficialmwb](/creator/undefined) [@rickyinvests](/creator/undefined)

**Top assets mentioned**
[RAI Finance (SOFI)](/topic/$sofi) [Blackstone, Inc. (BX)](/topic/$bx) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [SVB Financial Group (SIVBQ)](/topic/$sivb) [JPMorgan Chase (JPM)](/topic/$jpm) [UnitedHealth Group (UNH)](/topic/$unh) [GammaSwap (GS)](/topic/$gs) [Charles Schwab Corporation (SCHW)](/topic/$schw) [BlackCoin (BLK)](/topic/$blk) [Limitus (LMT)](/topic/$lmt) [Moody's Corporation (MCO)](/topic/$mco) [WABnetwork (WAB)](/topic/$wab) [Dow Inc (DOW)](/topic/$dow) [Bank of New York Mellon Corp (BK)](/topic/$bk) [Deutsche Bank Aktiengesellschaft (DB)](/topic/$db) [The Toronto-Dominion Bank (TD)](/topic/$td) [PACCAR Inc (PCAR)](/topic/$pcar) [Danaher Corporation (DHR)](/topic/$dhr) [Morgan Stanley (MS)](/topic/$ms) [3M Co (MMM)](/topic/$mmm) [Fifth Third Bancorp (FITB)](/topic/$fitb) [Comerica, Inc. (CMA)](/topic/$cma) [Effect.AI (EFX)](/topic/$efx) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [PNC Financial Services Group Inc (PNC)](/topic/$pnc) [Nasdaq Inc (NDAQ)](/topic/$ndaq) [Synchrony Financial (SYF)](/topic/$syf) [Edwards Lifesciences Corp (EW)](/topic/$ew) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Carvana Co. (CVNA)](/topic/$cvna) [Medical Properties Trust, Inc. (MPW)](/topic/$mpw) [TaskBunny (BNY)](/topic/$bny) [FirstEnergy Corp. (FE)](/topic/$fe) [SPDR S&P XXX ETF Trust (SPY)](/topic/$spy) [Ecolab Inc. (ECL)](/topic/$ecl) [Arcblock (ABT)](/topic/$abt) [J B Hunt Transport Services Inc (JBHT)](/topic/$jbht) [TrustVerse (TRV)](/topic/$trv) [Jackson Financial Inc. (JXN)](/topic/$jxn) [Bitcoin (BTC)](/topic/bitcoin) [UBS Group AG (UBS)](/topic/$ubs) [Credits (CS)](/topic/$cs) [Apollo Global Management, Inc. (APO)](/topic/$apo) [KKR & Co, Inc. (KKR)](/topic/$kkr) [American Express Company (AXP)](/topic/$axp) [Statter Network (STT)](/topic/$stt) [Molson Coors Beverage Co Class B (TAP)](/topic/$tap) [Capital One Financial Corp. (COF)](/topic/$cof) [Discover Financial Services (DFS)](/topic/$dfs) [Basilisk (BSX)](/topic/$bsx)
### Top Social Posts [#](/creator/twitter::1608598477809786881/posts)
---
Top posts by engagements in the last XX hours

"$LMT +4% on Q3 beat. Solid numbers. Depressing as ever. Rev +9% to $18.6B EPS $XXXX (beat ests) FCF $3.3B (up from $2.1B). Backlog: $179B monster (2.5x sales). US/allies demand in perpetual tension mode. Quick segments: Aeronautics: +12% to $7.3B (F-35 volume XXX YTD) margins to XXX% on C-130 tweaks. MFC: +14% to $3.6B JASSM/LRASM missiles humming at XXXX% marginsdisposables for active wars. RMS: Flat $4.4B sales +5% op profit on Sikorsky/CH-53K helos. Space: +9% to $3.4B +22% profit (9.9% margins) Their space biz is a mix of defense-related space and consumer stuff (like SpaceX). Guide up:"  
[X Link](https://x.com/marketswithmay/status/1980846803034521603) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T04:00Z 9506 followers, 1755 engagements


"$MCO. +3% since earnings yesterday. Everything is great. They are a part of laws. I don't own it. But this is what matters to all macro folks. So yes the financials were great: Rev + XX% Net inc + XX% But who cares. Look at the growth by debt product. Some of that is Int'l growth as they build the same regulatory-fortified strong mote biz that exists here in China. And anything going on Int'l which will always be smaller this right here is growth across all debt asset classes and that is despite that WE ALL KNOW that folk are delaying meaningful debt issuance for the declining rates to come."  
[X Link](https://x.com/marketswithmay/status/1981412851097964940) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T17:30Z 9506 followers, 4482 engagements


"$mpw this is a weird downgrade IMO but it is a feather for the bears. What makes it weird is nothing changed except for more asset sales. @fundamatica is right. Its the CDS spreads that will be telling on financing ultimately. If you get the pay downs and refis then that will be the end of it. Its simply quite strange that if they were going to downgrade they waited until after the company made so much progress"  
[X Link](https://x.com/marketswithmay/status/1859935332013076959) [@marketswithmay](/creator/x/marketswithmay) 2024-11-22T12:21Z 9464 followers, 1268 engagements


"$BNY -X% but a suprisingly Good Q. Rev +6% EPS + XX% ROE 12.5$ ROTCE + XX% I mean no one clears Treasuries like $BNY so this whole mess on the 10Yr is all them. I can't really stress how boring their biz usually is so hitting these teen growth numbers is a big deal. That said as you'd expect this conservative cultured bank spoke in a conservative way about the future. Questions: 1) Everything is working there is some liquidity weakness. But they would highlight that markets are working fine so there's no reason the FED or anyone has to come in aggressively to do something. 2)On Crypto. They"  
[X Link](https://x.com/marketswithmay/status/1910728793331032326) [@marketswithmay](/creator/x/marketswithmay) 2025-04-11T16:16Z 9496 followers, XXX engagements


"$WAB down XX% because they missed Revenue estimates. Might be an opportunity but the news for me is: What kinda stupid is going on out there in the way of News and research as relates to rails First on $WAB: Rev +2.3% Net Inc + XX% What happened at WAB And while you have growth everywhere they are getting pricing margins are expanding AND ALSO backlog is increasing significantly fair and square Rev was supposed to be up X% and there was a supply chain issue. Why are you hazing analysts this time The first question out of the gate was a question about the $UNP $NSC merger talks. The tone of"  
[X Link](https://x.com/marketswithmay/status/1949999610245640544) [@marketswithmay](/creator/x/marketswithmay) 2025-07-29T01:05Z 9483 followers, 1056 engagements


"$FE. They did fine reporting 7/31. But this space and the build that is happening is crazy. For context $FE has about 35k megawatts in W. Va area about XX% is coal. So some of that will come off. The CEO says they could easily see themselves adding 1000 megawatts in the next XX years to meet demand and also try to grow the data center biz to this region. The capex this implies is a thing not gonna lie. He also talks about a stupid spend that almost happened in this area. I think it's hard to appreciate what's going on in utilities infrastructure. Goodness knows if it's done poorly it's a"  
[X Link](https://x.com/marketswithmay/status/1955612620368515382) [@marketswithmay](/creator/x/marketswithmay) 2025-08-13T12:49Z 9497 followers, XXX engagements


"On Commodity Chem since I didnt post a XXX earnings call recap on my $spy coverage Ill do a quick macro post one theme that impacts PPI and macro. This is for @siyul who is investigating names like $DOW $ECL. Basically all of the large cap chem do have great biz. Some produce in China. Some do not. Most have multi-shore operations. All did supply chain redirect of things non-compliant/not profitable with new US tariffs HOWEVER Unlike materials (called intermediate X & X in PPI depending on what it is) is different from other stuff. When they went to redirect they had to compete with the crazy"  
[X Link](https://x.com/marketswithmay/status/1977041891259527418) [@marketswithmay](/creator/x/marketswithmay) 2025-10-11T16:01Z 9479 followers, XXX engagements


"Just gonna say it now. If $Sofi buys $hood - short of some massive undervaluation of $hood that would actually be against my thesis in $Sofi and Id likely sell out my position. Can $hood people just argue positively about their stock without bothering others"  
[X Link](https://x.com/marketswithmay/status/1977534083736682904) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T00:37Z 9468 followers, 6786 engagements


"I know most people who cover $SOFI at this point as it pings on my feed. None of us care about $HOOD. One is a bank. The other is a broker-dealer that is backed by Citadel. If you want to go long Citadel it's a great bet. Knock yourself out. Citadel is private. $HOOD is public. No shade. But why would I waste my brain on ANY other nonsense thesis that is rolling a misinformed internet None of it matters. A broker-dealer prints money on its house advantage. $HOOD's advantage is that the backer is one of the world's largest market makers. End of story. Truly nothing else to write about. Day"  
[X Link](https://x.com/marketswithmay/status/1977747821584433380) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T14:46Z 9481 followers, 11.9K engagements


"$SOFI. KBW analysis. sorry for being mean earlier so I'll break it down more so everyone can understand where I'm coming from with my Tiger mom response. I know I can get moody sometimes but here's X of the weird oddities implied in the sum of parts namely the use of EV/EBITDA as a valuation metric. And again it's a bank. Also he's doing sum of parts b/c he'd like to separate out the bank as a way of coming to some form of analysis. It's just that this is NOT how you would do it"  
[X Link](https://x.com/marketswithmay/status/1978524660401586594) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T18:13Z 9485 followers, 2668 engagements


"$ABT . -3%. Solid Quarter and at 16xs going in it wasn't overvalued going in. Rev + X% Net Inc + X% (ex the covid roll off of product) I don't own $ABT. I watch it for color to the rest of the healthcare and my holdings. They are the first in the Q to report for the industry. And it's not even about health care for me. I could give X farthings about the X smaller segment of $ABT. I really only care about Med Devices. Why do I care about Med Devices B/c as a large cap multidevice/division biz I can see if the two REITs I actually care about $DOC $MPW have tenants that can pay rent. Also"  
[X Link](https://x.com/marketswithmay/status/1978536159794905444) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T18:59Z 9469 followers, XXX engagements


"$JBHT + 17%. D**** color me impressed. This is a really solid Q given what's happening in the industry. Rev - Flat Op Inc + X% Net inc + 5.6%. EPS + XX% Costs weren't necessarily better so much as the spent less on renting capacity from others. But the real headline is that massive buyback of shares. X% it looks like. Who the heck in the S&P XXX buys back X% of their shares other than maybe Warren Buffett Crazy. I guess they think they are undervalued. It's 24x which is technically a bit rich. But if you get an actual improvement and turn in this econ that typically compresses quickly (aka"  
[X Link](https://x.com/marketswithmay/status/1978705565070025046) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T06:12Z 9497 followers, XXX engagements


"$TRV. down X% Why the F would anyone trade it down on this sort of earnings Rev +5% Net Inc + XX% but combined ratio of XXXX% The degree to which day traders run these markets with a questionable understanding of what these companies do creates opportunities. Since I've been so loud about taking a position in $JXN I now need to try to cover Insurance better so I understand any correlation risk. Bottom line while $TRV is in TOTALLY DIFFERENT biz lines the dynamic on the combined ratio is still a thing. Here's the deal: $TRV had some regulatory issues that had them capped on growth. I can see"  
[X Link](https://x.com/marketswithmay/status/1978823622811701336) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T14:01Z 9497 followers, XXX engagements


"$BK more or less flat after trading down in the pre-market b/c the market is just being stupid on the Financial Sector. At 2x book I'm not going to get too mean to traders as long as they don't start trading it down X% as with the pre-market. Rev + X% Net Income + XX% EPS + XX% I don't own $BK but I like listening to the call b/c I find the CEO's accent very soothing when he's reviewing such a positive performance. $BK's rough patch hasn't been a thing for years at this point. They are benefiting from the types of biz they remain in. TTS is a chill vibes biz. You basically custody do changes"  
[X Link](https://x.com/marketswithmay/status/1978846083263701101) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T15:30Z 9490 followers, XXX engagements


"Since literally all the TTS providers ($C $BK etc) talked about tokenization Reuters did this interview. It's not a bad starting place but if I'm being Critical Earnings Season May this WAS NOT what folks were talking about. The TTS biz has a special connection not to blockchain but to stablecoin. Tokenizing securities is old news. But Stablecoin how you properly implement it with a proper US TTS provider and what it implies for the USD and the future of crypto That's the part that is new and newsworth. Just X girl's opinion"  
[X Link](https://x.com/marketswithmay/status/1978852063917265225) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T15:54Z 9486 followers, 1280 engagements


"$SOFI. Look friends. Let me just say it like it is. Not wanting to be a bank right now is similar to not wanting to be a tech company in 1999. Why We are literally entering the best possible macro for massive earnings leverage. Plz. Try to understand that earnings leverage on a good macro environment for Banks can rival most tech companies in how it works"  
[X Link](https://x.com/marketswithmay/status/1978879553155092759) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:43Z 9485 followers, 6564 engagements


"None of these guys are large cap S&P Names. I'll take a look at $WAB as they were holding on by a thread post $SIVB. That they took more risk to dig out of it was dumb. They should have just been married to someone. $UBS is the last man standing for Switzerland since $CS blew up. I might listen on that. They really should have known better. Most likely to eat their lunch would be $DB who figured out how to stay clean on $CF's nonsense (which the Swiss Regulators forced $UBS to swallow. I'd mention though if any of these two issues came from the $CS period the regulators do have some loss"  
[X Link](https://x.com/marketswithmay/status/1978883625966768621) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:59Z 9496 followers, XXX engagements


"I really dont like being mean but this Economist article is painful. And honestly @TheEconomist its the last straw for me. Tell me you dont understand a balance sheet without telling me you dont understand a balance sheet. Having debt end of days. Having debt without a growth plan thats the problem. And guess what Thats what youre supposed to be writing about. As you criticize every single thing happening in the world have you stopped to think about that What do you think policymakers and economists are fighting for right now Let me help: growth. The U.S. wants it. Other countries want it."  
[X Link](https://x.com/marketswithmay/status/1978904936734953729) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T19:24Z 9496 followers, 2248 engagements


"Great conversation on $JPM and Jaime Dimon's cockroach comment with @br0n_yr_aur. Really appreciate the engagement. Since I'm long and/or traffic in $BX $APO $KKR I wanted to share it. I personally think they will come out fine. Between the group it would be more on brand for $APO but it would likely be small. It wouldn't be as on-brand for $BX. As for brokers the big-cap guys already came clean. And again subprime auto is a very particular part of lending. Given what happened in both the 80s and 90s firms run by folks who are 65+ are sensitive to doing it in size. But you really don't know"  
[X Link](https://x.com/marketswithmay/status/1979215067708006673) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T15:56Z 9485 followers, 1804 engagements


"$AXP +6% if their macro is right a very bad sign for bears Rev + XX% Net Inc + XX% raising guide. $AXP - which has only the tiniest super prime back but is mostly fee-based revenue can only possibly show you the strength of those in a particular income/credit rating bracket. Hence we watch this to understand pieces of $SOFI. Bottom line That group is strong and def spending in through the Quarter. Now because $AXP is a network and $SOFI's Galileo sits in a totally different lower part of the transaction stack piece of cards $V $MA $AXP always tend to show differently. Also these guys all have"  
[X Link](https://x.com/marketswithmay/status/1979230088622190864) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T16:56Z 9473 followers, 4309 engagements


"$STT. After trading down with the China news on Thursday for goodness knows what reason the stock was up on Friday post earnings. Rev +8% Net Inc XX% State Street has the index biz and the tts biz. the fact is market vol was so crazy that it drove the index biz like mad. Here's the mix of what happened and they are generating a ton of cash. It's a high margin econ of scale volume-based biz. Hence it really only comes down to valuation which at 11x earnings is not a thing TBH. I mean come on they are not really a bank. The Custodian TTS folks are not even GICed as such and folks are thinking"  
[X Link](https://x.com/marketswithmay/status/1979560571251904926) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T14:49Z 9496 followers, XXX engagements


"$SCHW reported 10/16. Amazing Q. Rev + XX% Adj Net Inc + XX% $SCHW will likely continue to post crazy numbers as you unwind the stupid that was $SIVB market induced penalites on these guys and they continue to have the benefit of $TD clients coming back to $SCHW's better trading interface/offering. I don't have a position here but at 22x and under an administration dedicated to creating market volatiity it's probably undervalued through the next election cycle. Here is the money shot. ADV up 31%. Why is it so relevant. B/c unlike $HOOD and other 2-bit small time brokers $SCHW has a legit"  
[X Link](https://x.com/marketswithmay/status/1980298618226487449) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T15:42Z 9500 followers, 5609 engagements


"I probably should have posted the median account size. It's $XXX. The Average account size is like $5-$10k depending on where you look. NYC is expensive AF and while I'm pretty good about budgeting regardless of whether I need to $10k isn't hard in NYC during the holidays and with any biz expenses you might be taking on"  
[X Link](https://x.com/marketswithmay/status/1980306910781010075) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:15Z 9469 followers, XX engagements


"Wow. interesting change in the landscape"  
[X Link](https://x.com/marketswithmay/status/1980315447322112125) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:49Z 9479 followers, 1511 engagements


"$SCHW It's been a great investment if you got it when it was being clobbered. It will likely continue to be fine. Mad respect for the CEO during $SIVB just coming out and calling BS on all the nonsense that folks spewed about HTM (not me. if you'll recall). I should have just bought in the $60s and held it through but punted in the $70s instead"  
[X Link](https://x.com/marketswithmay/status/1980317025508684285) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:55Z 9482 followers, XX engagements


"Why would you compare it that way in understanding its strategic positioning. No one is saying it's an unnecessary spinout. We're talking about the strategy of it. You realize it's VERY RARE for a company that owns brands to spin out the cosmetics and fragrence biz which acts as the upside on macro turn right Like that is a huge component of how folks monetize the brand. It quite literally undoes years of what has been going on in specifically luxury branding strategy. Maybe come at me differently"  
[X Link](https://x.com/marketswithmay/status/1980317724069998645) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:58Z 9470 followers, XX engagements


"@MACROVET888 Irrelevant to what I'm saying"  
[X Link](https://x.com/marketswithmay/status/1980318122176565260) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:00Z 9470 followers, XXX engagements


"@MACROVET888 No you do not. What do you think $TAP does. It's not that much bigger"  
[X Link](https://x.com/marketswithmay/status/1980318455380471980) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:01Z 9469 followers, XX engagements


"I don't even know what that means. So I misspelled on X. It doesn't make what I'm saying wrong. You can learn to come at people differently and try to understand their point particularly if you are a shareholder of anything in retail. I mean the crazy thing is that this doesn't just change the landscape for $KER (which I care nothing about as I cover the US) it changes the landscape for all the US companies too ($TAP $ULTA $EL etc) Or are you macro-focused but not industry macro-focused"  
[X Link](https://x.com/marketswithmay/status/1980322702469550174) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:18Z 9468 followers, XX engagements


"@CameronBoswell8 I'm not sure what you're talking about and I'm intrigued at how Ai can help me be clearer. @grok can you provide a better way of saying what I'm saying about KYC and what it is that $HOOD does that has so many of us wanting to just stay on the sidelines"  
[X Link](https://x.com/marketswithmay/status/1980353692764369392) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:21Z 9479 followers, XX engagements


"Maybe. More likely it's b/c they are a young enough brand where - into Covid - the growth online gained enough maturity vs the number of stores opened in only the last few years. They are rather refined in their strategy for where to place stores b/c of the luck of being slightly immature in store strategy going into a period that really highlighted the risks. me thinks. not sure though"  
[X Link](https://x.com/marketswithmay/status/1980355616699744265) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:29Z 9478 followers, XXX engagements


"It occurs to me. If I post something and folks have clarification questions. GROK is actually better at explaining what I missed. or at least I am - at this stage of its development - I'm interested in what AI says I ought to have included in my OP to help clarify. Plus Grok makes less typos"  
[X Link](https://x.com/marketswithmay/status/1980361832641831306) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:53Z 9480 followers, XXX engagements


"The real story is the WSJ was down for most of the day and The world was fine. We all learned what part of each companys systems is and is not built on AWS. And tech stacks around the world are now revealed if not obvi before. But we all survived. And thats a blessing"  
[X Link](https://x.com/marketswithmay/status/1980444014857081074) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T01:20Z 9482 followers, 1296 engagements


"I have no idea what comment you're trying to make Debt on a balance sheet for a bank or broker is not the same as the debt that you might see for other companies. Are you trying to suggest that it means something other than the bank is functioning properly This is not how you analyze or otherwise understand a bank given what the assets are"  
[X Link](https://x.com/marketswithmay/status/1980622192212648103) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T13:08Z 9466 followers, XX engagements


"Here's an example of my early IR fail post. $PCAR This is their website. No indication of what time the call is at. No link to the statements or press release to make it easy for me to figure it out given you failed to post the time of the call. This is my day during earnings season and why I can't post on more than 1/3rd of the calls I listen to. If you want actual coverage of company then Investor Relations you gotta get better. And if you don't want coverage then you're sketchy"  
[X Link](https://x.com/marketswithmay/status/1980665477388202157) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:00Z 9496 followers, XXX engagements


"@WinnerInvestor @MonkEchevarria I think yoda might have said: "Brave is he who invests in this space but bountiful too can the rewards be." Maybe I'm remembering wrong. I'm too scared. Not gonna lie. I do wish you luck. The upside potential is def there if these guys make it through"  
[X Link](https://x.com/marketswithmay/status/1980695236402901454) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:58Z 9497 followers, XX engagements


"@WinnerInvestor @MonkEchevarria Oh. man. brave. I mean I don't think $UNH has announced Stephen Hemsley. This call might just be more about how folks react to him. Oh man. you're tempting me. Oh no. the dark side. oh no.🙈🙈 I got a couple days to think through this"  
[X Link](https://x.com/marketswithmay/status/1980696874811293786) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T18:05Z 9496 followers, XXX engagements


"ha no. hahahah. I appreciate the silliness. Obvi there is zero overlap :) What I can do is a better job of all the companies that say they are more like to redeploy excess cash flow to acquisitions vs buybacks or dvds. Incidentally I forgot this in my note on $DHR (@nataninvesting ). $DHR right now - despite feeling it's undervalued wants to do acquistions b/c of the capacity issue in Med Equip. Something to watch for in your smaller cap names"  
[X Link](https://x.com/marketswithmay/status/1980724766878363856) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:55Z 9498 followers, XX engagements


"$COF + XXX% in the aftermarket. TBH not sure why it's not up more. Rev + XX% Net Inc +84% I had to do a double-take but in fairness you likely should adjust a little bit (not really) for $DFS. Why do I say not really Because this is how you freakin grow for a bank. You acquire sh*t. It's the fastest way by a lot and it makes sense to do it if you have plenty in reserves and the consumer is hanging in. And I want to say this to $SOFI-is-not-a-bank folks. There is literally no faster way to grow. No amount of tech is EVER going to do that as fast. You must understand what I'm saying on this."  
[X Link](https://x.com/marketswithmay/status/1980835830747820186) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T03:17Z 9485 followers, XXX engagements


"@KadakKaspar @grok @grok I'm waiting"  
[X Link](https://x.com/marketswithmay/status/1980961888826724827) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T11:38Z 9488 followers, XX engagements


"@grok @KadakKaspar @grok. this is his bio: Here to read and listen to thoughts from interesting people. Allergic to hypocrisy. Incorporate this in the context of the entire body of the thread. Do you see an issue with his mental health"  
[X Link](https://x.com/marketswithmay/status/1980964385863467267) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T11:48Z 9485 followers, XX engagements


"@grok @KadakKaspar Also @grok go back to my OP. Did I even claim deep knowledge"  
[X Link](https://x.com/marketswithmay/status/1980964618064298143) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T11:49Z 9470 followers, XX engagements


"On this AI review of $LMT for those that are more AI based I wanted to share what AI wasn't able to do that had me tweek and ultimately what I just didn't feel like correcting. Here's the list: 1) AI didn't know that since $LMT is linked to war I would have a negative point of view of it's end market when describing the implications. 2) I did not recognize fully the mix of biz between commercial (peacetime) vs wartime. 3) I didn't understand the nuance of the space biz which is split between military and commercial (think SpaceX) enough to really build nuance on what was said. 4) It did not"  
[X Link](https://x.com/marketswithmay/status/1980974357829521831) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T12:27Z 9485 followers, 1099 engagements


"$SOFI. i think with Tricolor folks are worried the Private Credit buyers of these guy's loans are the same as $SOFI. Private credit is a big market and auto lending (specifically subprime auto) is a specific subset. What $GS $MS $BLK $JPM just demonstated is demand for yield is still crazy strong. Below are the X types of loans that $SOFI makes and also they do not traffic in subprime anything. Maybe they do have a counterparty buyer that incrementally needs to pair down the book. IDK. But the overall market demand for yield is still there. If you want to go pick on someone who is more likely"  
[X Link](https://x.com/marketswithmay/status/1978886782436675692) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T18:12Z 9500 followers, 31.1K engagements


"Whoever is throwing sh*t off the $DB (Time Warner Center) roof park area. You need to stop. I can see it. It's not funny no matter how frustrating your job is. And it's F-in dangerous. And I will walk over there and find you if it damages my apartment in any way"  
[X Link](https://x.com/marketswithmay/status/1978889250897625421) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T18:22Z 9500 followers, XXX engagements


"$BSX XXX% on great earnings Rev + XX% Net Inc+60% I should have been in this but I"m super insecure about calling healthcare correctly b/c of how things move vs the R&D cycles. It has great products and many of them are just hitting their stride. No additional comments. I have to lick my wounds b/c I knew better on this one given what was necessarily going to be a spring load back into medtech with $BSX's strong product pipeline adding to that reaction"  
[X Link](https://x.com/marketswithmay/status/1981017347994370074) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T15:18Z 9499 followers, XXX engagements


"That's an interesting argument. End cycle price action $MMM and $KO have brought in production so aggressively for about X. almost X years that it would be weird to think of it as end cycle price action. How are you defining end cycle price action. and Yes. I was in the markets from 1999-2001 so I'm happy to help here. It looks like young @stockmarketnerd is making a simple argument about healthy pull-backs and I think you're arguing the wheels are falling off b/c of a lack of loan growth Can you clarify this argument in the context of low credit losses declining rates a better M&A climate"  
[X Link](https://x.com/marketswithmay/status/1981022184429752658) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T15:37Z 9500 followers, XX engagements


"$JPM $C $BLK $WFC $GS all report tomorrow. The expectations is that these guys will all crush it particularly $GS given how many deal announcements were made in the last Quarter. That said it will be all about how much and what precisely they guide. I'm not convinced they will give visibility into 2026 that is new but if they do & it's better than expected that will be a thing. Of the group $C is valued the lowest b/c what they really need is lower rates and stabilization in the remaining Int'l markets that they are in. TTS (Treasury services) is supposed to be a big deal of a biz for them;"  
[X Link](https://x.com/marketswithmay/status/1977760404865487099) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T15:36Z 9503 followers, 1383 engagements


"The markets trading down on China given what the financials reported this morning is an opportunity. I will post very soon on all of them. But this could not be a dumber override macro sell-off in front of what these companies are saying. $BLK $JPM"  
[X Link](https://x.com/marketswithmay/status/1978092802014666955) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T13:37Z 9503 followers, 1709 engagements


"$FITB ( $CMA ) +1.5% Great Q. I'm going to do these both together b/c the whole point is the deal that was announced. Rev + X% Net Inc + X% ROE XXXX% ROTCE XXXX% is 100bps higher CMA - looked not bad but not great in comparison to other large-cap banks. When you have a deal the acquired company can't do an earnings call. And for $CMA that's helpful. It's not so much that things are bad but that things aren't improving. They still are experiencing a draw on their loan losses highlighting that they likely take a bit of risk in making loans. For everyone else the underwriting was so aggressively"  
[X Link](https://x.com/marketswithmay/status/1979578237190893961) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T16:00Z 9501 followers, XXX engagements


"$GM + 15%. I'm going to take the W even though these financials look like h*ll. But I agree it's a good Q/guide (which is why I'm long). Let's go through it & the macro Rev Flat Net income -XX% How do I interpret these financials/Why the loss Extra costs on onshoring and a bunch of re-org. Hence its volume and market share (#1 in ICE #2 in EV) that become more interesting. AND it's particularly interesting because AS I HAVE MENTIONED BEFORE this is all being done with lower production (aka pricing). How do you find that Inventory reduction which is throwing off cash. And that's what you need"  
[X Link](https://x.com/marketswithmay/status/1980690358188274021) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:39Z 9503 followers, XXX engagements


"$CB +1.6%. on a great Q. Rev + X% Net Inc + XX% Net Investment Inc + X% This one was requested from @DamasceneMoment $CB is a great run biz despite this not being my fav CEO due to the way he expresses himself. But full props he's d*mn good at his job. My day today is a bit overscheduled so I'll simply show this one chart as the money shot. It's always about the combined ratio. The lower the better and that couldn't be lower at 81.8%. That implies he's printing money. And in fairness he's in WAY better P&C markets than most. The only guys that might be in a better market for what's going on"  
[X Link](https://x.com/marketswithmay/status/1981001701050978750) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T14:16Z 9503 followers, XXX engagements


"$BX. In case there was ANY confusion on what I meant by: "there is enough partner capital to buyback the shares". here is the slide I excluded b/c I hit the X image limit"  
[X Link](https://x.com/marketswithmay/status/1981389861647950175) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T15:58Z 9505 followers, XXX engagements


"$C +3.8% I really should have bought the calls I mentioned yesterday. Rev + X% Net Inc + XX% ROTCE 8%. For $C this isnt bad. This is actually the X environment that helps them. And while they are not doing anything super exciting at least they arent screwing it all up. They are finally getting the volume to make money (at last) and likely this particular great macro will provide a pretty great tail wind. They are up against such great comps and as bad as this market has been to $C and the US banks the fact is the onshore Intl banks had it worse and just arent as competitive right now. Thats"  
[X Link](https://x.com/marketswithmay/status/1978197084844028329) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T20:31Z 9505 followers, 2349 engagements


"$USB. Flat on not bad earnings Rev + flat Net income + XX% Folks were too nice on trying to get color from management. They are the only bank that presents it's income statement in the old format of splitting all of net income from interest income (loans) and all fee based. I had chatgpt take care of the rewrite. You can see the decrease in NII. Down X is a thing which is why they had so much extra this call on why (that most folks appeared to miss in the Q&A). Here's what they gave you. They did do more loans but somehow the mix decreased what they made. There is sh*t for clarification on"  
[X Link](https://x.com/marketswithmay/status/1978861248264413424) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T16:31Z 9504 followers, XXX engagements


"$UAL. recovering +1.5% after being down meaningfully yesterday. Best stuff was in the Q&A. Rev + X% Net Inc- XXX% Fuel wasn't bad but the issue was really landing fees. The airports are doing what they are doing. what I liked the most here was the convo on whether Airlines was or was not a commodity. They believe this is a paradigm shift. In fairness Delta and United have both discussed this. Really $AAL (no longer in the S&P 500) is the only carrier that was not explicitly doing this as a strategy themetic fron 2020 forward. What they are saying is that all things being equal their core"  
[X Link](https://x.com/marketswithmay/status/1979271559320866928) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T19:41Z 9505 followers, XXX engagements


"$HOOD folks TBH I can't take it seriously when the average/media account size is lower than my weekly/montly credit card bill. BUT. like I said you'll likely do great this quarter given this perf from $SCHW last week and the other brokers $GS $MS. Still not my type of stock"  
[X Link](https://x.com/marketswithmay/status/1980307024836538839) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:16Z 9506 followers, 3731 engagements


"$ELV down 2%. It matters b/c so many of you care on $UNH. This was good in some ways weird & I'm not sure how to think about in other ways. Rev + XX% Adj EPS - XX% Context/Background $ELV is the Anthem health biz renamed. And even before the Medicare reimbursement nightmare moment for all of health benefits Anthem was punting business divisions left and right. They exited the Life & Disability biz in 2024 and they are coming out of a variety of extremely unprofitable Medicare Biz. These eliminations make it very hard to read the financials properly (See below on just revenue). And I know"  
[X Link](https://x.com/marketswithmay/status/1980661267820954055) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T15:43Z 9506 followers, 1443 engagements


"Yeah. it looked good to me. I don't own any of these but I wanted to post b/c so many people own $UNH. I mean I think this quarter looked like management got both lucky and executed well on the strategy of ditching these parts of medicare/medicaid and doubling down on biz that actually makes money. $UNH is missing a CEO right now. So I'm not sure if are able to do this. That's why I'm thinking it's hard to link this relatively positive report on $ELV to $UNH"  
[X Link](https://x.com/marketswithmay/status/1980667413495496741) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:08Z 9505 followers, XXX engagements


"$PCAR +1.42%. not a great Q but great relative to what they thought would happen. Rev - XX% Oper Inc - XX% Net Inc - XX% I'm modifying their earnings report to integrate the financials which is taking a larger provision for credit losses. Despite being annoyed by their IR department I actually really like this management team. They are strong operators and no-nonsense guys that have played - best they can - in a Global QT macro market. I mean their CEO's name is Preston Feight (just X letter away from being the word Freight. You can't make this up and he seems during all the calls I've"  
[X Link](https://x.com/marketswithmay/status/1980676090256576903) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:42Z 9506 followers, XXX engagements


"@WinnerInvestor @MonkEchevarria Yeah. $CNC took the most sh*t last Q. Ouch ouch ouch. The whole biz is the worst. But I can't ignore these calls - not just b/c it's part of the S&P XXX but because it's kinda relevant to macro"  
[X Link](https://x.com/marketswithmay/status/1980688225606803777) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:30Z 9505 followers, XXX engagements


"$NOC -X% not sure why. it was a pretty great Q for obvi reasons. Rev + X% Op Inc + XX% Net Inc +7% and guide raised b/c book to bill is coming in super strong. At 23x the middle of the range of guide $XXXXX this is probably fine for valuation. And TBH there are folks who live on top of $NOC that are better at telling you where the puck is going. Let's not pretend folks are really that quiet about their actions when these guys get government contracts. However what I do want to point out is that a decrease in defense spending doesn't mean that $NOC would have nothing to sell. I really want to"  
[X Link](https://x.com/marketswithmay/status/1980693112121864220) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:50Z 9505 followers, XXX engagements


"Earnings season. Already setting in strong. I appreciate my followers. Plz comment what you'd like me to cover. S&P XXX names only as you know that's my jam. I listen/review XX% but only post on 150-200. This is how I decide. Obvi I will cover $SOFI"  
[X Link](https://x.com/marketswithmay/status/1980710649509405093) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T18:59Z 9505 followers, 2384 engagements


"$EFX. down 50bps on a great earnings report Rev + XXX% Op inc + X% Net INc + XX% I won't drone on this one. They are a different way of thinking about the demand for consumer debt. The mortgage biz was up but overall biz was up outside of mortgage including Autos. It's funny but $EFX is likely one of the few places that unambiguously does not have a bad day on Auto lending blows up. If anything the opposite happens. Totally separately I found it fascinating what they are saying is a "new" challenge for credit assessment in a gig economy where so many people have a side hustle. We are all"  
[X Link](https://x.com/marketswithmay/status/1980992298805510297) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T13:39Z 9505 followers, XXX engagements


"$T. down X% agree to disagree Mr. Market. Rev +0.8% EPS flat but you don't look at EPS given what's going on with T on D&A and also build out. FCF matters a lot more and that was up another $300m. They gotta build. We need them to build. They say they have a great product. I say they are one of only X that have a product. Potayto Potahto. it's fine. They will be plenty capable of paying that dvd and keeping shareholders happy"  
[X Link](https://x.com/marketswithmay/status/1981027861529067746) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T16:00Z 9506 followers, XXX engagements


"$AMZN AWS is fixed. or is it"  
[X Link](https://x.com/marketswithmay/status/1981082674945982623) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T19:38Z 9505 followers, 1619 engagements


"$SOFI. in case there is ANY confusion with $BX being down that there is an issue in Private Credit. There isn't. There is - however - a problem with the ability of FinMedia to read financial statements for financials. Here you go"  
[X Link](https://x.com/marketswithmay/status/1981387437482934728) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T15:49Z 9505 followers, XXX engagements


"$BX. down almost 6%. They blew out the quarter but as I look at FinMedia it's clear there is a BIG misunderstanding on how to read the financials of a Private Equity firm. Let me illustrate: YOU DO NOT READ THE FINANCIALS FOR A PRIVATE EQUITY FIRM LIKE FINANCIALS FOR SOMETHING ELSE Gaap (INCORRECT INTERPRETATION): Revenue -XX% Net Inc. -XX% Because performance allocations is a part of that revenue and you have weird timing. the numbers you actually look at are on slide X. This one and makes it one of the strongest outcomes any anyone this quarter: Revenue +26% FE* +25% DE **50% (CORRECT"  
[X Link](https://x.com/marketswithmay/status/1981391008618160629) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T16:03Z 9505 followers, 1007 engagements


"$KMI down X% But here's the deal. You don't sell pipelines in the middle of AI expansion with no data center slowdown & Ukr War still going strong. Rev + XX% Op Inc + X% Net Inc +0.5% But those aren't the metrics b/c the CapEx right now is so weird to try to feed CA AZ (it's no longer dependant on CA) and other states that understand and need to grow their access to fuel given their growth plans. Down X% is about $X but I own this way lower and all I'm hearing is that I will likely never have a problem with the DVD if this continues. At my cost basis this is the gift that keeps on giving so I"  
[X Link](https://x.com/marketswithmay/status/1981455760358871097) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T20:20Z 9506 followers, XXX engagements


"Trolling. I can't run from it but I can learn about it & also try to discourage. I had Grok summarize the research. Turns out Trolls typically have average to slightly below average intelligence. They are typically high in emotional dysregulation narcissism and sadism and other not so great traits. Fascinating. I just thought it was a fragile ego. But it's appears to be a lot more and can't be healed by simply being kind. Ok. so blocking is the right response. my bad"  
[X Link](https://x.com/marketswithmay/status/1981487831030603883) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T22:28Z 9506 followers, XXX engagements


"$DOW +12% is pure day trading playing games for the most part. Rev - XXX% Net Inc -XX% lowering guide They are still selling off parts of their biz and they are still praying that you get QE adequate globally AND ALSO you get stabilization of either Chinese Inventories flooding Europe. They literally used new phrases like: "Declining demand remains steady." IDK if people understand that this is a professional way of saying "It's a sh*t show" right now. They are saying there is a steady negative slope that shows no end. not so different than the dating life of a few of my friends right now"  
[X Link](https://x.com/marketswithmay/status/1981501852094017613) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T23:23Z 9506 followers, XXX engagements


"@jonkessler20 @DamasceneMoment Theres so many moving parts right now. I think $TSLA ends up ok. And tbh it really is about the robots I think. Maybe Im wrong"  
[X Link](https://x.com/marketswithmay/status/1981529798355697894) [@marketswithmay](/creator/x/marketswithmay) 2025-10-24T01:14Z 9505 followers, XX engagements


"Ok so this is a fact check for those who also did not know. This is what Trump was referring to as relates to Netanyahu"  
[X Link](https://x.com/marketswithmay/status/1833687424771191229) [@marketswithmay](/creator/x/marketswithmay) 2024-09-11T02:02Z 9499 followers, 1149 engagements


"$PAYX. Down 5%. This was a great Q. Short Selling is arbitrary. Anyone posting fundamental nonsense about this being a bad quarter You should just unfollow. Rev +17% unadj Op Inc -X% Net Inc - XX% Look Day traders/Swing traders do your thing. No hate. But the ignorant faker-fundamental short sellers droning worried-vibes about hiring slowing down Maybe you could write less nonsense and use that time to learn to read financial statements. At a minimum let's talk about the difference between revenue and income on what it implies for a company who's revenue can literally only grow double digits"  
[X Link](https://x.com/marketswithmay/status/1973036937846964363) [@marketswithmay](/creator/x/marketswithmay) 2025-09-30T14:47Z 9499 followers, XXX engagements


"$DPZ. + X% yesterday great Q. Rev + X% Op Inc + XX% Net Inc -X% EPS -X% They had some weird 1x items but the comps were so strong you have to read this one as a positive. A lot of nothing burger comments trying to find the bear thesis on Best deal ever. Comps were way to strong to criticize them. Personally I'm shocked on the US comps. Again the consumer is way stronger than surveys or whatever it is folks are trying to do to demonstrate otherwise"  
[X Link](https://x.com/marketswithmay/status/1978436225280229521) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T12:22Z 9499 followers, XXX engagements


"$PNC -X% b/c Day traders just feel like it. The Quarter was excellent Going to listen to it but let me just show you why the Analysts on $SOFI irritatingly wrong. $PNC. is a chill vibes Bank out of PA. They are about as mature a regional as you can get. This is what they did in earnings. Revenue Growth (meaning from loans) Rev + X% Net Income + XX% EPS + XX% (They are buying back stock). Now WHY you might ask is this relevant Because $PNC still has more HTM assets than AVS assets. It quite literally is NOT extending balance sheet and it's average duration (we'll see if that's changed) is"  
[X Link](https://x.com/marketswithmay/status/1978476823286550767) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T15:03Z 9500 followers, 1817 engagements


"On reading bank Balance Sheets $PNC $SOFI. This is a pure education post. One response - a good one - on $PNC had to do with NIM guide up 1.5%. I really want to help people learn to read bank financials. $SOFI will report later and you can look at what they post in comparison. This is $PNC's balance sheet. They are a great bank. I thought this was a decent Q plus or minus a few small things. But this is what NIM is. And it is a bank strategy whether you extend balance sheet (make loans) or wait and hold onto cash collect the rate on the loans. You also get to strategically decide where to"  
[X Link](https://x.com/marketswithmay/status/1978493456009035968) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T16:09Z 9500 followers, 2690 engagements


"Come on Vol traders you cant make this sh*t up. I mean $ndaq $CME and of course shout out to the market makers. We are all so being played"  
[X Link](https://x.com/marketswithmay/status/1978644928923144277) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T02:11Z 9499 followers, 1366 engagements


"$PLD + XXX% Great Q. Tears stream down my eyes every quarter b/c I'm so cheap I can only appreciate the beauty of their biz acumen from the sidelines. Rev + XXX% FFO + XXX% raising guidence You don't value REITS on EPS b/c of the below the line items that are a regular part of real estate messing up any meaningful info from net income. The best way for a public REIT is to look at the dvd yield after understanding that all the other stuff is doing fine. In this regard XXX% yield is prob the cheapest it will get. $PLD was primarily the warehousing for $AMZN then it grew to everyone else that"  
[X Link](https://x.com/marketswithmay/status/1978685053992415624) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T04:50Z 9500 followers, XXX engagements


"@11TakesPhotos Me thinks you did not read many of my posts this quarter: $SYF: $GS Notice. No loan growth on $SYF"  
[X Link](https://x.com/marketswithmay/status/1978878901939056738) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:41Z 9499 followers, XX engagements


"$HBAN +1% on a great earnings Q. Rev + XX% Net Inc + XX% I know I have a few followers that are long this. It was a solid quarter better than some of the other banks. Everything looks pretty clean and they are continuing to grow the biz that often come as a bank increases in size (more asset management offerings like Private Equity) and correspondingly the ability to do deals. The one thing that was interesting was their CET1 build which is a stated desired activity by the board. Since they are also buying back aggressively I think this is simply a strategy that grew post SIVB vs something"  
[X Link](https://x.com/marketswithmay/status/1979566035083645143) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T15:11Z 9503 followers, XXX engagements


"$LEN Voluntary Exchange What a decision From now until Nov 7th shareholders who already received some $MRP can exchange existing $LEN holdings for additional $MRP at a X% discount. I kinda like'em both. Conundrum. If you're a shareholder let me know thoughts"  
[X Link](https://x.com/marketswithmay/status/1980296625634656515) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T15:34Z 9503 followers, XXX engagements


"@MACROVET888 So that's the financials. Not my point though. Keuring is a comp to $LVMH. This is a big deal for the industry beyond the financials for both industries plus $IFF given how they are currently set up"  
[X Link](https://x.com/marketswithmay/status/1980316344118857770) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:53Z 9503 followers, XXX engagements


"$MMM + 50bps premarket Decent Q Raised Guide Rev + XXX% Op Inc + XXXX% The way they provide the adjusted net income is awful so I won't post it. The adjustment is the below-the-line stuff on divestitures so we'll go with this. They are raising guide b/c things are going well. HOWEVER it is NOT demand-driven. So Again I am going to say it. We have an issue of reverse economy of scale right now. Companies like $MMM are doing it cost savings corp actions and reconfiguration. They are NOT doing it b/c of demand. Q&A 1) The China biz grew. Interestingly they suggested that it was partially a"  
[X Link](https://x.com/marketswithmay/status/1980638640133857429) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T14:13Z 9499 followers, XXX engagements


"$NDAQ. +3.3% on an amazing q. And this is where I missed the forest for the trees. Rev + XX% Net Inc + XX% A lot of folks think $NDAQ and they think markets. Mais non $NDAQ is a data firm and the flavor is simply market data. The demand for the data That comes from volatility. What I missed about the data biz (a nuance in the best market for an exchange): And where I stupidly missed this was that given a Trump presidency and what he was precisely saying he was going to do this market was bound to have "weird" volatility. See here's the deal normal volatility or high volatility DOES NOT make"  
[X Link](https://x.com/marketswithmay/status/1980674135815536794) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:34Z 9499 followers, XXX engagements


"$GOOGL $GOOG. listen programming & YouTube folks. They pay you enough to prevent bedbugs but you still have to be diligent. There are many products on $AMZN work better than their cloud server if traveling is causing this. Also lavender works. Line your luggage with lavender spray. Link:"  
[X Link](https://x.com/marketswithmay/status/1980715189583360443) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:17Z 9499 followers, XXX engagements


"$DHR. +6.65% on the Q Rev +4% Net Inc XX% The Life Science & Diagnostic Med Equipt piece has been in recovery for a while. $DHR doesn't trade cheap but there's some macro things here that likely also matter to @nataninvesting who cares on $EW which is in a slightly different part of the space. First the life science biz was not where the upside was. But each one of these guys have a very particular biz (so possibly not a thing for $EW) Rev was flat but contributing due to FX and margins were still lower. The growth came from Diagnostics + X% plus 150bps improvement. Mix also helped them and"  
[X Link](https://x.com/marketswithmay/status/1980720253970612512) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:38Z 9499 followers, 1154 engagements


"@nataninvesting Good luck this earnings season I'll also try to do $EW before my personal/holiday life gets in the way :)"  
[X Link](https://x.com/marketswithmay/status/1980720838652682477) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:40Z 9500 followers, XX engagements


"No one wants to say this out loud. Its great to have diverse & intl friends. Its also brutally annoying to learn & check so many different apps. WhatsApp iPhone msg line kakao WeChat signal telegram fb msg instagram X This is why Im an introvert"  
[X Link](https://x.com/marketswithmay/status/1980791094389473598) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T00:19Z 9498 followers, XXX engagements


"$NFLX down X% in the aftermarket. It wasn't so much a bad quarter as the market is brutal right now. Rev + XX% Op Inc + XX% Net Inc + X% The Margin squeeze is the Brazil tax and it's one-time in nature. Do people care that it's 1x No. They do not. So brutal. Look at this free cash flow though XX% growth That's a decent buffer to keep improving programming and making $NFLX a great value for money. And look at this on the regional breakout. Just FYI that's an increase in momentum vs previous quarters. Kinda stupid to get too bearish right this minute me thinks. Final thoughts I'm not in this"  
[X Link](https://x.com/marketswithmay/status/1980802061965918296) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T01:03Z 9499 followers, XXX engagements


"Personally I think it's a decent look as we creep into Halloween. Also what a great opportunity to see the speed and efficiency of one's own contractors vs the White House. I mean. who doesn't have a renovation story Am I right"  
[X Link](https://x.com/marketswithmay/status/1980808313412674036) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T01:27Z 9499 followers, 1055 engagements


"$TXN -X% in the aftermarket and TBH at 33x I kinda get it but let's talk. Rev + XX% Op Inc + X% Net Inc Flat EPS +1% Special request from @DamasceneMoment requested I do this one (request list pinned to my profile). A little relevant background $TXN has X biz that we care on Analog & Embedded Processing. Here's how they did. The end markets are industrial in nature (think EV cars & industrial vehicles in particular but really a host of industrial applications). On that biz it's the same issues we're seeing across Industrial end markets. It's hard to do the spend without truly understanding"  
[X Link](https://x.com/marketswithmay/status/1980820228620607969) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T02:15Z 9499 followers, 1787 engagements


"As a self-learning exercise I had Grok assess the validity of claims that I am arrogant or have hubris. Grok made this chart for me. It confirms what I've always known: I am a trigger for the insecurity of others who base their ego on being right or being smart. I don't think that will change and I put up with it when I feel like it or if I'm being paid to do it as with a job. But given what I'm doing on X & sharing free of charge it's really obnoxious & there is no reason for me to put up with it"  
[X Link](https://x.com/marketswithmay/status/1980985611008823595) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T13:12Z 9499 followers, XXX engagements


"One of the things that really bothers me is that @grok can't identify the difference between a spirited debate and a troll taking personal shots at someone. That is likely b/c there are still way too many troll behaviors on @X that its normalized baseline is off"  
[X Link](https://x.com/marketswithmay/status/1981018162184532248) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T15:21Z 9499 followers, XXX engagements


"$UPST $CVNA A lot of focus on Subprime Auto Lending. Yes it's asset-backed. But the nature of this type of lending is not how folks think. There's a reason why it bumps up against Usury Laws. Some management teams know how to deal with it. Others may or may not. I always want my students to understand clearly what they might say flippantly. I provide the link but due to its violence I can't show it in class myself. Enjoy:"  
[X Link](https://x.com/marketswithmay/status/1981044065899544996) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T17:04Z 9501 followers, 2538 engagements


"Moral of the story: In case it's not clear if you're going to default on your Auto Loan do not try to kill someone with a dryer. especially if you didn't bother to properly empty the dryer. $UPST $CVNA"  
[X Link](https://x.com/marketswithmay/status/1981045839360360914) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T17:11Z 9499 followers, 1205 engagements


"Conversation with GROK - for me - reveals a pretty big data bias problem: Age. It started b/c the "casual" language phrasing was something I need to work hard to understand. They were using younger millennial casual speak which made no sense half the time. tothe topics we were discussing. So I asked Grok how old it thought i was. (early 30s). Then I asked Grok to explain why. It correctly indicated that. I graduated from college and started working on Wall Street in the 90s but still could not catch the obvious error. I still have half a foot in data so I worked with it to logic out what my"  
[X Link](https://x.com/marketswithmay/status/1981062013922030016) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T18:16Z 9499 followers, XXX engagements


"@grok @Janelle87997309 @greg16676935420 @elonmusk Wow. you sound cool"  
[X Link](https://x.com/marketswithmay/status/1981448607472496656) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T19:52Z 9500 followers, XX engagements


"$FITB $CMA. Not terribly surprised given the lack of loan growth and improving NIM in the industry as a whole. What a bank merger does is shore up balance sheet and reduce costs. The fact they slowed was simply the nonsense of the biz climate last X years. Remind me though. which lady FinXer talks about mergers in regional banks all the time"  
[X Link](https://x.com/marketswithmay/status/1975172798730432882) [@marketswithmay](/creator/x/marketswithmay) 2025-10-06T12:14Z 9503 followers, 1054 engagements


"$FAST. -XXX% on a solid quarter that might have been only a touch off estimates but here's what happened: Revenue +8% Net Income + X% They are seeing lots of new customers and new build AS YOU WOULD EXPECT given that we are coming out of a bear market CRE market. (Yup despite the nonsense of most FinXers CRE has been recovering and it's starting to show). In case there is any confusion here is their Daily Sales Rate (DSR) by end market. Supply chains are getting more expensive but they have done a series of price increases that have already went through. They will be doing a bit more pricing"  
[X Link](https://x.com/marketswithmay/status/1977818160536474074) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T19:26Z 9503 followers, 1200 engagements


"$SYF.Flat on the Q. This is a pureplay Consumer Finance company but they do traffic in lower credit quality stuff. Not gonna lie. I'm tempted b/c this was a really great quarter. Rev + XXX% Net Inc + XXXX% This came from loan mix. $SYF provides crazy detail on their loans including what they did wholesale vs direct. But here's what I want to show you. Relative to $SOFI $SYF is lower credit quality and also broader mix of loan types. Here is their balance sheet. Notice the NIM expansion. They do more in cards and also the rate on the loans tells you that they are doing lower credit quality"  
[X Link](https://x.com/marketswithmay/status/1978697612841615515) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T05:40Z 9503 followers, XXX engagements


"$MMC down 7%. IDK why. This wasn't a bad quarter but possible it's the below-the-line items folks are having difficulty absorbing using a data feed. Rev + XX% Op Inc + XX% Net Inc + XX% There isn't really anything interesting to write about. They do insurance and host of other consulting/account-like biz so they can sell through more insurance. It's very bespoke and it's doing fine. I mean let's face it. What are you thinking all this volatility does for business risk aka the areas they traffic in. You think demand for cybersecurity insurance/employment insurance products decreases in a"  
[X Link](https://x.com/marketswithmay/status/1978865194261713063) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T16:46Z 9503 followers, XXX engagements


"Sometimes strategy is less about Pivot of a particular company or the industry as a whole vs more of a general competitive shift that forces a period of observation and thinking about best next steps given other players move. So more game theory and less conclusive outcome. Deal hasn't closed yet and you've also had QT which really weighs on the luxury market as a whole. And of course the industry hasn't absorbed what's possible now that L'Orielle now has neary doubled the cosmetic and perfume brands it represents making it a very different competitor to $EL despite having such a different"  
[X Link](https://x.com/marketswithmay/status/1980370174722138201) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:26Z 9503 followers, XX engagements


"@grok @MACROVET888 Yeah. and to be precise doubled the luxury brands it represents. L'Orielle has far more lower end brands. But since we're talking $KER and I've mentioning $EL that's what we care on. Cool. I'm good now. I think that should help the previous poster to see what I meant"  
[X Link](https://x.com/marketswithmay/status/1980370760368849132) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:29Z 9505 followers, XX engagements


"I find some of my critics hypocritical when they suggest I can't listen to the S&P XXX and understand what these companies do. You sit there & read the WSJ & these media journalists who clearly do not understand the industries they write about or how to properly interpret financials. You forward nonsense articles from AI. But you somehow think I can't understand these companies despite: 1) Doing this exercise (listening to the calls plus reading the earnings) systematically for nearly a decade and also 2) having been trained for more than a decade before that at legit good firms on Wall"  
[X Link](https://x.com/marketswithmay/status/1980723814670717426) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:52Z 9503 followers, 1102 engagements


"@KadakKaspar @grok Grok doesn't agree with you. He thinks you're insecure:"  
[X Link](https://x.com/marketswithmay/status/1980987481270178278) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T13:19Z 9503 followers, XXX engagements


"@KadakKaspar @grok I'll give you until the end of this $EFX call XX min to reflect and apologize. And from there I'll be blocking. You gotta work out your insecurities elsewhere"  
[X Link](https://x.com/marketswithmay/status/1980987788880449964) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T13:21Z 9503 followers, XXX engagements


"@grok @greg16676935420 @elonmusk Wow Grok. I didn't know you could do that. What's your guess at mine"  
[X Link](https://x.com/marketswithmay/status/1981055255421784076) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T17:49Z 9506 followers, 22.1K engagements


"$BX. down almost 6%. They blew out the quarter but as I look at FinMedia it's clear there is a BIG misunderstanding on how to read the financials of a Private Equity firm. Let me illustrate: YOU DO NOT READ THE FINANCIALS FOR A PRIVATE EQUITY FIRM LIKE FINANCIALS FOR SOMETHING ELSE Gaap (INCORRECT INTERPRETATION): Revenue -XX% Net Inc. -XX% Because performance allocations is a part of that revenue and you have weird timing. the numbers you actually look at are on slide X. This one and makes it one of the strongest outcomes any anyone this quarter: Revenue +26% FE* +25% DE **50% (CORRECT"  
[X Link](https://x.com/marketswithmay/status/1981386465821987307) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T15:45Z 9506 followers, 1386 engagements


"$SOFI folks. notice what happened in Private Credit (look at what's being said about the 700-750 rating bucket). Who knows how it will trade next week but the bear thesis I'm not being a jerk about it it really makes no sense to me given what I'm seeing across private credit"  
[X Link](https://x.com/marketswithmay/status/1981418747630891373) [@marketswithmay](/creator/x/marketswithmay) 2025-10-23T17:53Z 9506 followers, 3924 engagements


"$MOH. down 17%. Ouch. Notes b/c I know folks care on $UNH Rev +11% Op Inc - XX% Net Inc -XX% So def not through the issues that hit across anyone providing Medicare/Medicaid. Ouch. They don't appear to care or think it will be fixed near term. And the entire year will be a lost year where they will just be running a far lower margin and praying the additional premiums feed the machine. BUT. here's the deal. They mention that they have balance sheet to deal with having a year where they barely make money. Their strategy here is to acquire the small players who CANNOT go a year without a"  
[X Link](https://x.com/marketswithmay/status/1981540266730283065) [@marketswithmay](/creator/x/marketswithmay) 2025-10-24T01:56Z 9506 followers, XXX engagements