# ![@nEiOjy2SNTezw1O Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1431458463045980163.png) @nEiOjy2SNTezw1O yes321

yes321 posts on X about $upst, $sofi, $pgy, losses the most. They currently have [--] followers and [--] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1431458463045980163/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:interactions.svg)

- [--] Month [-----] +825%

### Mentions: [--] [#](/creator/twitter::1431458463045980163/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:posts_active.svg)


### Followers: [--] [#](/creator/twitter::1431458463045980163/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:followers.svg)


### CreatorRank: [---------] [#](/creator/twitter::1431458463045980163/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  [finance](/list/finance)  [technology brands](/list/technology-brands) 

**Social topic influence**
[$upst](/topic/$upst) #24, [$sofi](/topic/$sofi), [$pgy](/topic/$pgy), [losses](/topic/losses), [inflation](/topic/inflation), [$pypl](/topic/$pypl), [end of](/topic/end-of), [transaction](/topic/transaction), [$afrm](/topic/$afrm)

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@ivobecvar](/creator/undefined) [@paulxgu](/creator/undefined) [@goddreng10](/creator/undefined) [@bradsferguson](/creator/undefined) [@wearycenturion](/creator/undefined) [@trevhesinvests](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [RAI Finance (SOFI)](/topic/$sofi) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$SOFI superprime delinquency rate 7.5% $UPST Subprime delinquency rate 6.2% SoFi should adopt Upstart's AI"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1974432305617027340)  2025-10-04T11:11Z [--] followers, [---] engagements


"@HenryInvests This means Upstart's business model carries two significant risks: [--]. Funding Risk: If there are no investors (like banks) to buy the loans after [--] days unsold loans will accumulate on the company's books putting it at risk"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1983567260607529102)  2025-10-29T16:11Z [--] followers, [---] engagements


"@HenryInvests [--]. Short-term Concentration Risk: Because the company assumes 100% of the risk for the [--] days immediately following loan origination if a sudden economic crisis hits the losses from this short period alone can severely destabilize the company"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1983567398671409263)  2025-10-29T16:11Z [--] followers, [--] engagements


"@IvoBecvar @HenryInvests @paulxgu In August and September long-term interest rates declined but because the decline was driven by recession concerns Upstarts UMI increased"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2003613050004492291)  2025-12-23T23:45Z [--] followers, [---] engagements


"@goddreng10 That's right. It seems like the UMI is broken. Despite interest rate cuts rising GDP and falling inflation the UMI has increased"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2003843111760658857)  2025-12-24T15:00Z [--] followers, [---] engagements


"$PYPL $PGY https://x.com/i/status/2018727041743589422 $PGY   https://t.co/XWI9KDMEjX https://x.com/i/status/2018727041743589422 $PGY   https://t.co/XWI9KDMEjX"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2020837695896080496)  2026-02-09T12:30Z [--] followers, [----] engagements


"$UPST  Normalized [----] [---] GAAP [----] [----]   https://x.com/i/status/2021604704254386499 @bradsferguson @HenryInvests Dude at the end of the day profitability matters in which UPST failed significantly with stalling EPS of $0.17 https://x.com/i/status/2021604704254386499 @bradsferguson @HenryInvests Dude at the end of the day profitability matters in which UPST failed significantly with stalling EPS of $0.17"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2021705587118223577)  2026-02-11T21:59Z [--] followers, [----] engagements


"@weary_centurion Pagaya is a subcontractor while Upstart is not. Furthermore Upstart's loan transaction growth rate is 80% whereas Pagaya's is 3%"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2021677869831963043)  2026-02-11T20:08Z [--] followers, [---] engagements


"$UPST [----] Total Revenue 1.04B [----] Guidance 1.4B YOY 35% $SOFI [----] Total Revenue 3.591B [----] Guidance 4.655B YOY 30% $AFRM [----] Total Revenue 3.22B [----] Guidance 4.12B YoY 28% $PGY [----] Total Revenue 1.31B [----] Guidance 1.48B YOY 13%"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2022608030555316550)  2026-02-14T09:45Z [--] followers, [---] engagements

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