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# ![@mountaingoatcap Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1605784862186577921.png) @mountaingoatcap Mountain Goat Capital

Mountain Goat Capital posts on X about $pgy, $ally, bank of america, $400m the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::1605784862186577921/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1605784862186577921/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX +2,774%
- X Months XXXXXXX +196%
- X Year XXXXXXX +195%

### Mentions: XX [#](/creator/twitter::1605784862186577921/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1605784862186577921/c:line/m:posts_active.svg)

- X Week XX +260%
- X Month XX +456%
- X Months XX -XXXX%
- X Year XXX +67%

### Followers: XXXXX [#](/creator/twitter::1605784862186577921/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1605784862186577921/c:line/m:followers.svg)

- X Week XXXXX +4.70%
- X Month XXXXX +48%
- X Months XXXXX +205%
- X Year XXXXX +101%

### CreatorRank: XXXXXXX [#](/creator/twitter::1605784862186577921/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1605784862186577921/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1605784862186577921/influence)
---

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

**Social topic influence**
[$pgy](/topic/$pgy) #2, [$ally](/topic/$ally) #13, [bank of america](/topic/bank-of-america) 4.26%, [$400m](/topic/$400m) #14, [banking](/topic/banking) #1114, [signals](/topic/signals) 2.13%, [iv](/topic/iv) 2.13%, [sec](/topic/sec) 2.13%, [godzilla](/topic/godzilla) 2.13%, [$upst](/topic/$upst) XXXX%

**Top accounts mentioned or mentioned by**
[@grok](/creator/undefined) [@kholdings](/creator/undefined) [@xian838473193](/creator/undefined) [@rebellionair3](/creator/undefined) [@upstart](/creator/undefined) [@lebeaucarnews](/creator/undefined) [@spacanpanman](/creator/undefined) [@defiantclient2](/creator/undefined) [@no1caresellmore](/creator/undefined) [@chandan_u2](/creator/undefined) [@choozacapital](/creator/undefined) [@gropillon](/creator/undefined) [@ted_cfa](/creator/undefined) [@k_holdings_](/creator/undefined) [@darcys_law](/creator/undefined) [@rookigator](/creator/undefined) [@traderjoe2869](/creator/undefined) [@icebergresear](/creator/undefined)

**Top assets mentioned**
[Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Ally Financial, Inc. (ALLY)](/topic/$ally) [Bank of America (BAC)](/topic/bank-of-america) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [BlackRock Inc (BLK)](/topic/blackrock) [BlackCoin (BLK)](/topic/$blk) [SPDR S&P XXX ETF Trust (SPY)](/topic/$spy) [Basis Cash (BAC)](/topic/$bac) [JPMorgan Chase (JPM)](/topic/jpmorgan-chase) [Centrifuge (CFG)](/topic/$cfg) [Zions Bancorporation, NA. (ZION)](/topic/$zion)
### Top Social Posts [#](/creator/twitter::1605784862186577921/posts)
---
Top posts by engagements in the last XX hours

"$PGY: 📈 Small but compounding bullish signals Avi Zeevi GP at Viola Ventures (early Pagaya investor) & Pagaya board member got his carry in Pagaya ($PGY) shares via Viola Ventures IV as reported to the SEC on Sept XX. Remember all those shares distro'd to LP's that weighed on the stock a few weeks back I noticed it and waited to see if hed sell. A couple weeks later nothing. No disposition filed. He seems to be holding his shares and that choice speaks volumes. These little signals keep stacking. Bullish short and long term Also it's been a long time since a founder sold shares"  
[X Link](https://x.com/mountaingoatcap/status/1975971188997488950) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-08T17:06Z 1696 followers, 12.6K engagements


"$PGY: my kind of technical chart 😜"  
[X Link](https://x.com/mountaingoatcap/status/1976143384088612938) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-09T04:31Z 1696 followers, 4574 engagements


"$PGY - If Upstart had a nice quarter (per this metric) then so did Pagaya. If Q4 if off to a good start for Upstart then so is Pagaya"  
[X Link](https://x.com/mountaingoatcap/status/1976738706662080536) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-10T19:56Z 1696 followers, 5587 engagements


"$PGY: "Credit was a clear positive swing factor. Net charge-offs declined XX% year over year to $XXX million or XXXX% of average loans (down from 0.49%) with consumer losses easing and commercial losses stable around the high-teens basis-point range. The allowance for credit losses moved down to $XXXX billion (1.52% of loans). Scharfs read-through: credit performance was strong and continued to improve even as he acknowledged some economic uncertainty remains"  
[X Link](https://x.com/mountaingoatcap/status/1978103747093164132) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-14T14:20Z 1696 followers, 8186 engagements


"$PGY: ".Consumer credit performance meet expectations with the consumer sector showing resilience and EARLY-STATE DQ's SLIGHTLY BETTER THAN than anticipated in media call""  
[X Link](https://x.com/mountaingoatcap/status/1978127927511228786) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-14T15:57Z 1696 followers, 1677 engagements


"$PGY: WFC CEO says "financial health" of customers "remains strong". Also says auto loan origination growth strong YoY"  
[X Link](https://x.com/mountaingoatcap/status/1978128303228596634) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-14T15:58Z 1696 followers, 1747 engagements


"$PGY: JPM CFO - "current facts on consumer.resilient. Spending is strong)"  
[X Link](https://x.com/mountaingoatcap/status/1978128869187068295) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-14T16:00Z 1696 followers, 1750 engagements


"$PGY: Ally is a great customer of Pagaya. Earnings were strong as is Q4 guide. Their stock is up on earnings"  
[X Link](https://x.com/mountaingoatcap/status/1979184802621427724) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-17T13:56Z 1696 followers, 10.6K engagements


"$PGY has never chosen a Monday for earnings. Last year it was a Tuesday. Typical for them is Tues-Thurs. Monday is a Bullish signal to me. They are announcing before the bell on a Monday with the whole week ahead of them. You're NOT hiding anything by being one of the first to report for the week. 🔥 And I think that is the idea. It's also X day earlier than last year. Everything leans bullish"  
[X Link](https://x.com/mountaingoatcap/status/1975936507774115940) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-08T14:49Z 1691 followers, 46.4K engagements


"$PGY: $BAC results include lower charge-offs than expected. Good loan growth. All things that point to a good economy and resilient consumer"  
[X Link](https://x.com/mountaingoatcap/status/1978462322235486364) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T14:05Z 1691 followers, 1852 engagements


"$PGY: PNC reported today. Top XX bank. Credit losses 167m vs est of 278m. MUCH MUCH Lower. US and consumer doing fine. Fears that pulled credit down last several weeks were overdone"  
[X Link](https://x.com/mountaingoatcap/status/1978464212956672326) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T14:13Z 1691 followers, 8179 engagements


"$PGY 🚀 The headline isn't $400m Auto ABS. Its that One William Street (OWS) bought the residual/first-loss in the $400M RPM auto ABS. AAA is nice. Buying the residual is conviction. When outside capital takes the riskiest piece thats a vote of confidence in asset quality model performance and capital-light scale. That screams performance depth of demand and durability. Stake that on top of the vote of confidence from last week's expanded loan facility with Wells Fargo Citi at substantially lower rates. Multiple 3rd party validations of what Pagaya is doing over the last week"  
[X Link](https://x.com/mountaingoatcap/status/1975212417220305239) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-06T14:51Z 1696 followers, 18.4K engagements


"$PGY: Consumer is in good shape. Bank of America results highlight that"  
[X Link](https://x.com/mountaingoatcap/status/1978461293720875256) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T14:01Z 1696 followers, 2228 engagements


"$PGY: 🔥 New ABS deal = new data on prior transactions. Updated my Spreads chart. Check the green box on the far right. Results continue to move down and to the right exactly what we want 🚀 👉 This tracks the gap between KBRAs expected cumulative net loss (CNL) and the actual CNL at the same point in time which is a strong indicator of improving credit performance"  
[X Link](https://x.com/mountaingoatcap/status/1978476262789460154) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T15:01Z 1696 followers, 8918 engagements


"$PGY: We finished GREEN"  
[X Link](https://x.com/mountaingoatcap/status/1978552066692751705) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T20:02Z 1696 followers, 5116 engagements


"$PGY: improving credit metrics for ALLY. Loss provision down"  
[X Link](https://x.com/mountaingoatcap/status/1979184990626943030) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-17T13:57Z 1696 followers, 2837 engagements


"$PGY: ALLY - YoY auto origination growth. Pagaya is going to have a great Q3. Great Q4 guide"  
[X Link](https://x.com/mountaingoatcap/status/1979185331279896978) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-17T13:58Z 1696 followers, 2882 engagements


"$PGY: These credit events have been one offs. The sky is NOT falling"  
[X Link](https://x.com/mountaingoatcap/status/1979295266458267976) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-17T21:15Z 1696 followers, 3618 engagements


"$PGY: after hours down an addl -XX% on 500k shares traded. Now and we still have a bit over X hour its up. I like that"  
[X Link](https://x.com/mountaingoatcap/status/1976781745057153299) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-10T22:47Z 1690 followers, 3453 engagements


"$PGY: 🚨Last founder sale - late June. Gal hasnt sold since IPO. The other two founders used to sell occasionally thats stopped entirely. Not even after the big run up into the 40's. Thats not random. That's a bullish signal. Nobody knows where this is headed better than they do. 💥"  
[X Link](https://x.com/mountaingoatcap/status/1978502089581199403) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T16:43Z 1690 followers, 5788 engagements


"$PGY Debunking the PGY Risky Lender Myth Using Citizens Bank Q3 '25 data 🎯 What $CFG said today via Q325 earnings: The overall U.S. consumer is very stable. Limited "stress" shows up in the bottom 20-30% of incomes of CFG customers. Where that line is: 30th percentile income = $49520 (2024) per the U.S. Census. Census Bureau Where $PGY operates: Pagayas borrowers skew solidly above those cohorts: FICO: 670680 (near-prime/prime band) Pagaya Income: 120k Focus: industry calls them invisible primes" overlooked by traditional cutoffs but strong payers when scored with AI/alt-data. Why $CFG"  
[X Link](https://x.com/mountaingoatcap/status/1978521507740713466) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-15T18:01Z 1690 followers, 7566 engagements


"$PGY - More good news this morning. Pagaya expands revolving credit facility to $132M w top-tier banks including Wells Fargo at a substantially lower cost 🔥Big banks leaning in = confidence signal 🔥Extends runway to 2028 🔥Cheaper capital = higher margins 🔥Strong liquidity buffer ($132M)"  
[X Link](https://x.com/mountaingoatcap/status/1973730281476767775) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-02T12:42Z 1696 followers, 103.8K engagements


"$PGY: 🚨Pagaya shared on LinkedIn about the Auto Finance Summit where their Head of Credit Solutions spoke on market trends. Notably they revealed that in their recent $400M Pagaya Auto ABS the entire capital structure including residuals was sold to investors. In a market where many claim debt appetite is shaky thats a strong vote of confidence from institutional buyers. At the very least it signals real demand for Pagayas auto loan paper"  
[X Link](https://x.com/mountaingoatcap/status/1980635711830389019) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-21T14:02Z 1696 followers, 2304 engagements


"$PGY - The sky was falling last week but SURPRISE (actually not a surprise) everything is fine"  
[X Link](https://x.com/mountaingoatcap/status/1980370141281153037) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-20T20:26Z 1696 followers, 10.1K engagements


"$PGY: 🚀 Thats not hype Thats conservative underwriting and AI models proving they can find GOOD borrowers the banks missed. But go ahead keep calling them a 2nd look lender taking risky bets. 😂"  
[X Link](https://x.com/mountaingoatcap/status/1980651724986802541) [@mountaingoatcap](/creator/x/mountaingoatcap) 2025-10-21T15:05Z 1696 followers, 2281 engagements