# ![@parthpat87 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1294404692123045892.png) @parthpat87 Parth Patel

Parth Patel posts on X about balance sheet, $upst, inflation, $upsts the most. They currently have [--] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: undefined [#](/creator/twitter::1294404692123045892/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1294404692123045892/c:line/m:interactions.svg)

- [--] Week [-----] -28%
- [--] Month [------] +516%
- [--] Year [------] +68,669%

### Mentions: undefined [#](/creator/twitter::1294404692123045892/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1294404692123045892/c:line/m:posts_active.svg)


### Followers: [--] [#](/creator/twitter::1294404692123045892/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1294404692123045892/c:line/m:followers.svg)

- [--] Week [--] +9.80%
- [--] Month [--] +47%

### CreatorRank: undefined [#](/creator/twitter::1294404692123045892/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1294404692123045892/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [celebrities](/list/celebrities) 

**Social topic influence**
[balance sheet](/topic/balance-sheet), [$upst](/topic/$upst), [inflation](/topic/inflation), [$upsts](/topic/$upsts), [flow](/topic/flow), [elon musk](/topic/elon-musk), [starship](/topic/starship), [umi](/topic/umi), [fed](/topic/fed), [cuts](/topic/cuts)

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@goddreng10](/creator/undefined) [@macroguru](/creator/undefined) [@philiparthurf](/creator/undefined) [@waterpolojoe](/creator/undefined) [@growingmee](/creator/undefined) [@elonmusk](/creator/undefined) [@davegirouard](/creator/undefined) [@thebigdog258](/creator/undefined) [@rebellionaire](/creator/undefined) [@harrykay](/creator/undefined) [@nachonnmdr](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [StarShip (STARSHIP)](/topic/starship) [Goldman Sachs (GS)](/topic/goldman-sachs)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@elonmusk Why do the engines on Starship start before separating from the booster"  
[X Link](https://x.com/parthpat87/status/1768369299402412069)  2024-03-14T20:11Z [--] followers, [--] engagements


"UMI drops to 1.48"  
[X Link](https://x.com/anyuser/status/2013728981208498381)  2026-01-20T21:42Z [--] followers, [----] engagements


"@davegirouard Investors just need to look back to May [----]. Once Castlelake bought the loans off their balance sheet the stock rose over 400% in [--] months. Patience is key"  
[X Link](https://x.com/parthpat87/status/1986860340357849421)  2025-11-07T18:16Z [--] followers, [---] engagements


"@HenryInvests They mentioned HELOC having forward funding in their Q1 [----] earnings call. I also think its worth mentioning that when Castlelake bought the loans on Upstart's balance sheet in May [----] the stock rose 400% in [--] months"  
[X Link](https://x.com/parthpat87/status/1986862702183031257)  2025-11-07T18:25Z [--] followers, [---] engagements


"@TheBigDog258 @HenryInvests Bear case is that they dont sell the loans on the balance sheet and they will need to dilute again. Also if the credit market deteriorates the loans become a huge liability"  
[X Link](https://x.com/parthpat87/status/1988293972356403516)  2025-11-11T17:13Z [--] followers, [--] engagements


"@HenryInvests @Rebellionaire Great read. I think it's also worth mentioning that the fair value of the loans on Upstart's balance sheet will increase as the FED cuts rates making them easier to sell"  
[X Link](https://x.com/parthpat87/status/1991532960043172270)  2025-11-20T15:43Z [--] followers, [---] engagements


"@HenryInvests Gotta be. Sanjay Datta said to expect tangible deals for their new veritcals "pretty soon" on the earnings call"  
[X Link](https://x.com/parthpat87/status/1996644329700606387)  2025-12-04T18:14Z [--] followers, [---] engagements


"@goddreng10 Pretty sure that loans held for investment are consumer loans that are temporarily held on the balance sheet before being sold not R&D loans"  
[X Link](https://x.com/parthpat87/status/2000227400764817805)  2025-12-14T15:32Z [--] followers, [---] engagements


"@HenryInvests Pretty sure the bottleneck is the UMI still being elevated. Sanjay Datta said something about the speed at which Upstart reaches Q4 [----] origination volume depends on how fast the UMI drops to around [--]. I think it was during Goldman Sachs Communacopia + Technology Conference"  
[X Link](https://x.com/parthpat87/status/2002141903853400293)  2025-12-19T22:20Z [--] followers, [---] engagements


"@goddreng10 The [--] year treasurey yield is 3.496%. Pretty reasonable to assume only [--] cut next year imo"  
[X Link](https://x.com/parthpat87/status/2003113301824418290)  2025-12-22T14:40Z [--] followers, [--] engagements


"@goddreng10 I think you're misunderstanding the impact of inflation on the neutral federal funds rate. The image below shows the latest rate cut odds and there is still only [--] cut priced in even after the surprice CPI print"  
[X Link](https://x.com/parthpat87/status/2003119149833441409)  2025-12-22T15:03Z [--] followers, [--] engagements


"@HenryInvests "The demand for HELOCs from our lending partners is substantial. Its very prime & a product with which theyre both familiar & comfortable. Banks & credit unions love home owners as customers so its likely our funding supply will exceed our needs for some time to come.""  
[X Link](https://x.com/parthpat87/status/2006110563772903923)  2025-12-30T21:10Z [--] followers, [--] engagements


"@HenryInvests from the Q4 [----] earnings call"  
[X Link](https://x.com/parthpat87/status/2006110691791339675)  2025-12-30T21:10Z [--] followers, [--] engagements


"@macro_guru @goddreng10 Source for this"  
[X Link](https://x.com/parthpat87/status/2009742141598126265)  2026-01-09T21:40Z [--] followers, [--] engagements


"@HenryInvests Pretty bearish but will likely not happen"  
[X Link](https://x.com/parthpat87/status/2009811546395058408)  2026-01-10T02:16Z [--] followers, [---] engagements


"@goddreng10 Its all good. Happy to help the $UPST community"  
[X Link](https://x.com/parthpat87/status/2010668328411672967)  2026-01-12T11:01Z [--] followers, [---] engagements


"I'm buying $UPST at this price. Currently analysts are projecting adj eps of [----] w revenue growth of 22.6% for [----]. Both of these are too conservative according to #UTPI. I currently believe revenue growth will be within the 30-35%"  
[X Link](https://x.com/parthpat87/status/2010763489531609508)  2026-01-12T17:19Z [--] followers, [----] engagements


"I believe [----] EPS will be [----]. [--] x [----] = [-----] However once the balance sheet loans are sold I believe a 40x p/e multiple would be justified [--] x [----] = 111.60"  
[X Link](https://x.com/parthpat87/status/2010764827564679474)  2026-01-12T17:24Z [--] followers, [---] engagements


"@goddreng10 These are current estimates which assumes UMI stays around [---]. If UMI does drop which I believe it will EPS and revenue growth will increase"  
[X Link](https://x.com/parthpat87/status/2010771997609824462)  2026-01-12T17:52Z [--] followers, [---] engagements


"Historys Coldest FED Chair Jerome Powell after telling Trump to go fvck himself https://t.co/lksRjhJUX2 Jerome Powell after telling Trump to go fvck himself https://t.co/lksRjhJUX2"  
[X Link](https://x.com/parthpat87/status/2010872315052253205)  2026-01-13T00:31Z [--] followers, [---] engagements


"Potential all time high on $UPST Trustpilot reviews today 👀"  
[X Link](https://x.com/parthpat87/status/2011152935498236172)  2026-01-13T19:06Z [--] followers, [----] engagements


"@HarryKay_ @HenryInvests Management said the 30% increase in loan applications was primarily due to marketing programs & cross-selling efforts during the Q3 earnings call. I think you're right"  
[X Link](https://x.com/parthpat87/status/2011171467808161829)  2026-01-13T20:20Z [--] followers, [--] engagements


"@macro_guru I originally thought this too but they promised to move all of the funding off their balance sheet not the loan themselves"  
[X Link](https://x.com/parthpat87/status/2014093631213154780)  2026-01-21T21:51Z [--] followers, [--] engagements


"@macro_guru Can you find the quote"  
[X Link](https://x.com/parthpat87/status/2014366806434025700)  2026-01-22T15:57Z [--] followers, [--] engagements


"@macro_guru Yeah this is from the Q3 eaarnings call and it says that they are going to reduce the loans held on the balance sheet not get rid of"  
[X Link](https://x.com/parthpat87/status/2014405574415331833)  2026-01-22T18:31Z [--] followers, [--] engagements


"I noticed that $UPST's foreward-flow agreement w/ Castlelake says "consumer loans" vs "consumer installment loans" like it did in their previous agreement. Does this mean it includes HELOC & Auto 🤔 https://ir.upstart.com/news-releases/news-release-details/upstart-announces-15b-forward-flow-agreement-castlelake/ https://ir.upstart.com/news-releases/news-release-details/upstart-announces-15b-forward-flow-agreement-castlelake/"  
[X Link](https://x.com/parthpat87/status/2014677891179577433)  2026-01-23T12:33Z [--] followers, [----] engagements


"@macro_guru BNPL is not the same as recurring credit"  
[X Link](https://x.com/parthpat87/status/2016233223915761990)  2026-01-27T19:33Z [--] followers, [---] engagements


"@macro_guru Yeah but in BNPL the merchant pays the financing cost whereas the consumer pays in revolving credit. They had already hinted at recurring credit during AI day which is why I'm assuimng people were surprised w the BNPL rumors"  
[X Link](https://x.com/parthpat87/status/2016254323596956005)  2026-01-27T20:57Z [--] followers, [--] engagements


"@philiparthurf @HenryInvests No. The more loans held on the balance sheet the more it gets valued like a lender instead of a SaaS"  
[X Link](https://x.com/parthpat87/status/2017170477052006428)  2026-01-30T09:38Z [--] followers, [--] engagements


"@philiparthurf @HenryInvests It could help mitigate some of drop in valuation but imo the credit risk still outweighs"  
[X Link](https://x.com/parthpat87/status/2017215255194091714)  2026-01-30T12:36Z [--] followers, [--] engagements


"My expectations for $UPST Q4 [----] Earnings: Revenue of [---] million vs [---] million expected GAAP earnings of [--] million vs [--] million expected Loans on balance sheet reduced by 100-300 million Hot take: Auto foreward flow agreement will be announced"  
[X Link](https://x.com/parthpat87/status/2018705195887219122)  2026-02-03T15:16Z [--] followers, [----] engagements


"@waterpolojoe I'm least confident about this but I'm estimating that the personal loans held on the balance sheet decreases by [---] million from the ABS deal in Q4 and the $CASH partnership. The other 0-200 mil reduction will be in R&D loans coming from the [--] new partners ramping production"  
[X Link](https://x.com/parthpat87/status/2018718567366082876)  2026-02-03T16:09Z [--] followers, [---] engagements


"$UPST launching a B2B vertical soon"  
[X Link](https://x.com/parthpat87/status/2019158553173585946)  2026-02-04T21:18Z [--] followers, [----] engagements


"@goddreng10 Yeah the 2-year reflects the markets expectations hence rate cuts follow the 2-year treasurey yield. The FED won't cut rates when unemployment levels are still healthy and GDP is this high because it will cause inflation. Their mandates are max employment AND stable prices"  
[X Link](https://x.com/parthpat87/status/2019435919259103522)  2026-02-05T15:40Z [--] followers, [--] engagements


"@goddreng10 Rate cut odds from the beginning of the year:"  
[X Link](https://x.com/parthpat87/status/2019438284766883979)  2026-02-05T15:49Z [--] followers, [--] engagements


"@goddreng10 Rate cut odds now:"  
[X Link](https://x.com/parthpat87/status/2019438406527558074)  2026-02-05T15:50Z [--] followers, [--] engagements


"@goddreng10 I'm not trying to come off as rude as anything. Just trying to be objective. 4.4% unemployment rate is significantly better than the 46% the FED was projecting. However inflation is still running hotter than their projections"  
[X Link](https://x.com/parthpat87/status/2019438998930768244)  2026-02-05T15:52Z [--] followers, [--] engagements


"@goddreng10 Rate cut odds have decreased this entire month even when comparing from yesterday"  
[X Link](https://x.com/parthpat87/status/2019440599418441834)  2026-02-05T15:58Z [--] followers, [--] engagements


"$UPST I looked at the loans on the balance sheet again and I no longer think they'll be reduced by 100-300 million (unless there's a 3rd party deal). The [--] new partners would not have had enough time to adequetely ramp by the end of Q4. It'll be a slight increase or decrease My expectations for $UPST Q4 [----] Earnings: Revenue of [---] million vs [---] million expected GAAP earnings of [--] million vs [--] million expected Loans on balance sheet reduced by 100-300 million Hot take: Auto foreward flow agreement will be announced My expectations for $UPST Q4 [----] Earnings: Revenue of [---] million vs 288"  
[X Link](https://x.com/parthpat87/status/2019808390978154906)  2026-02-06T16:20Z [--] followers, [----] engagements


"@HenryInvests I'm not sure but if they haven't I see the balance sheet changing by plus/minus [---] million. Either way I think the revenue and earnings growth will be enough to put the market's "growth issues" to bed"  
[X Link](https://x.com/parthpat87/status/2019831204456067291)  2026-02-06T17:51Z [--] followers, [---] engagements


"$UPST Trustpilot reviews are absolutely ripping"  
[X Link](https://x.com/parthpat87/status/2019871296415494505)  2026-02-06T20:30Z [--] followers, [----] engagements


"$UPST Judgment day"  
[X Link](https://x.com/parthpat87/status/2021231527904829926)  2026-02-10T14:35Z [--] followers, [----] engagements


"$UPST $150 by mid 2027"  
[X Link](https://x.com/parthpat87/status/2021331867132146074)  2026-02-10T21:14Z [--] followers, [----] engagements


"@growingmee Sure. Upstart is transitioning into becoming a lending infrastructure play which gets valued at 10-20x p/s. In [----] $UPSTs FY revenue will be [----] billion. [--] x [----] billion = [----] billion (4.9x todays price)"  
[X Link](https://x.com/parthpat87/status/2021355488550715700)  2026-02-10T22:47Z [--] followers, [---] engagements


"$UPST I'm buying every share I can 🤷♂"  
[X Link](https://x.com/parthpat87/status/2021614142096834829)  2026-02-11T15:55Z [--] followers, [----] engagements


"$UPST This is brutal but more importantly undeserved"  
[X Link](https://x.com/parthpat87/status/2021980539855745289)  2026-02-12T16:11Z [--] followers, [----] engagements

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