# ![@piggysensei2 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1807786556171988992.png) @piggysensei2 Wendi Huang

Wendi Huang posts on X about $upst, balance sheet, auto, term the most. They currently have [--] followers and [--] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1807786556171988992/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1807786556171988992/c:line/m:interactions.svg)

- [--] Week [-----] +293%
- [--] Month [-----] +46%
- [--] Months [------] +2,110%

### Mentions: [--] [#](/creator/twitter::1807786556171988992/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1807786556171988992/c:line/m:posts_active.svg)


### Followers: [--] [#](/creator/twitter::1807786556171988992/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1807786556171988992/c:line/m:followers.svg)

- [--] Week [--] +3.90%
- [--] Month [--] +8%
- [--] Months [--] +200%

### CreatorRank: [---------] [#](/creator/twitter::1807786556171988992/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1807786556171988992/c:line/m:influencer_rank.svg)

### Social Influence

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

**Social topic influence**
[$upst](/topic/$upst) #70, [balance sheet](/topic/balance-sheet), [auto](/topic/auto), [term](/topic/term), [$pgy](/topic/$pgy), [i wish](/topic/i-wish), [we are](/topic/we-are), [auto loans](/topic/auto-loans), [closed](/topic/closed), [end of](/topic/end-of)

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@macroguru](/creator/undefined) [@davegirouard](/creator/undefined) [@goddreng10](/creator/undefined) [@veganhippo21](/creator/undefined) [@upstart](/creator/undefined) [@grok](/creator/undefined) [@boilerjoe99](/creator/undefined) [@tweetinkevin](/creator/undefined) [@bjmtweets](/creator/undefined) [@rebellionaire](/creator/undefined) [@lowiqtrader](/creator/undefined) [@cmdarnton](/creator/undefined) [@deitaone](/creator/undefined) [@tradingdeskty](/creator/undefined) [@stfbutnou](/creator/undefined) [@mvcinvesting](/creator/undefined) [@matthewsigel](/creator/undefined) [@tannormanson](/creator/undefined) [@allintco](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open) [Canaan Inc. (CAN)](/topic/$can) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Asset Entities Inc. (ASST)](/topic/$asst)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@HenryInvests @Upstart Hi Henry do you have any updates on Trustpilot review for February"  
[X Link](https://x.com/piggysensei2/status/1896811937146737054)  2025-03-04T06:36Z [--] followers, [--] engagements


"@HenryInvests @Upstart Is this credit union a new partner achieved recently"  
[X Link](https://x.com/piggysensei2/status/1928186416749506747)  2025-05-29T20:27Z [--] followers, [---] engagements


"@HenryInvests @davegirouard Did he ever reply to any investor on X"  
[X Link](https://x.com/piggysensei2/status/1956523238064001109)  2025-08-16T01:07Z [--] followers, [---] engagements


"@Veganhippo21 Strange reason cuz $PGY didnt follow the same pattern"  
[X Link](https://x.com/piggysensei2/status/1965835210207146188)  2025-09-10T17:50Z [--] followers, [---] engagements


"@low_IQ_trader @CMDarnton No its not asset light. Its taking a lot risk in its balance sheet no matter if its for what purpose"  
[X Link](https://x.com/piggysensei2/status/1977830964656263396)  2025-10-13T20:17Z [--] followers, [--] engagements


"@DeItaone @grok Please explain the impact"  
[X Link](https://x.com/piggysensei2/status/1978923331345879119)  2025-10-16T20:37Z [--] followers, [----] engagements


"@TradingDeskTy @HenryInvests This is ridiculous. Stock performance is completely irrelevant to the revenue / earning. Would you make a chart of stock price + balance sheet Might be more clear to understand what the factors are"  
[X Link](https://x.com/piggysensei2/status/2017412384722219357)  2026-01-31T01:39Z [--] followers, [---] engagements


"@HenryInvests Hi Henry could you post a link to the trustpilot"  
[X Link](https://x.com/piggysensei2/status/1892362677722243457)  2025-02-19T23:56Z [--] followers, [---] engagements


"@goddreng10 @HenryInvests Rate cut happened in September stock dropped. The cuts are already priced in"  
[X Link](https://x.com/piggysensei2/status/1981827049087283559)  2025-10-24T20:56Z [--] followers, [--] engagements


"@HenryInvests Can this be used to move off the 1.2b loans from balance sheet"  
[X Link](https://x.com/piggysensei2/status/1986450276811714693)  2025-11-06T15:07Z [--] followers, [---] engagements


"@HenryInvests Didnt the management foresee the issue that they are going to carry on the R&D loans on their balance sheet before they actually did that"  
[X Link](https://x.com/piggysensei2/status/1986522766355423564)  2025-11-06T19:55Z [--] followers, [---] engagements


"@stfbutnou @HenryInvests How do you explain the balance sheet loan origination went down Does that mean some loans originated and held on balance sheet were purchased by institutional investors"  
[X Link](https://x.com/piggysensei2/status/1987278033258975413)  2025-11-08T21:56Z [--] followers, [--] engagements


"@macro_guru @davegirouard @davegirouard Dave why don't you buy some stocks back using the cash you got by selling the stock at $80 Or don't you want to be the champion Look at what Opendoor ceo does. He didn't even sell his stock at $10. Not to say how much profit you made. https://x.com/CanadaKaz/status/1987988988943364336s=20 I will talk about Opendoor's product frequently and its stock rarely. That's because my job is to build the product and the company and that will have good secondary outcomes. Tomorrow is the first day I am allowed to buy $OPEN and my family is buying $1M at the open."  
[X Link](https://x.com/piggysensei2/status/1988069988486283356)  2025-11-11T02:23Z [--] followers, [--] engagements


"@mvcinvesting $UPST was totally ruined by its own management team. Stupid decisions were made one after another. Once the leader in personal loan now the follower. Management was punched in the face during 22-23. Now they are tied down"  
[X Link](https://x.com/piggysensei2/status/1988071080947261689)  2025-11-11T02:27Z [--] followers, [---] engagements


"@macro_guru @davegirouard No they never learn. If they learn the balance sheet wont explode from Q2 to Q3"  
[X Link](https://x.com/piggysensei2/status/1988214549363999157)  2025-11-11T11:57Z [--] followers, [--] engagements


"@matthew_sigel @grok explain what happened"  
[X Link](https://x.com/piggysensei2/status/1988748283372859678)  2025-11-12T23:18Z [--] followers, [---] engagements


"@Tannor_Manson never get a loan from sofi but got [--] from upst"  
[X Link](https://x.com/piggysensei2/status/1989138993448186339)  2025-11-14T01:11Z [--] followers, [--] engagements


"@allintco I really want to kick it $upst"  
[X Link](https://x.com/piggysensei2/status/1990604956974657814)  2025-11-18T02:16Z [--] followers, [---] engagements


"@sovereignsense May I know why"  
[X Link](https://x.com/piggysensei2/status/1990670855731630504)  2025-11-18T06:38Z [--] followers, [---] engagements


"@HenryInvests Yes. UTPI is doing well but can turn down just like Q3. And more importantly its the balance sheet market is caring about. Need to fix that first. I wish next tweet from @davegirouard will be some deals with long turn funding for R and D loans"  
[X Link](https://x.com/piggysensei2/status/1991574045436039595)  2025-11-20T18:27Z [--] followers, [---] engagements


"There is always an excuse to short $UPST https://gamblingharm.org/sports-betting-student-loans/ https://gamblingharm.org/sports-betting-student-loans/"  
[X Link](https://x.com/anyuser/status/1993782222466547743)  2025-11-26T20:41Z [--] followers, [---] engagements


"@Veganhippo21 rate cut priced in"  
[X Link](https://x.com/piggysensei2/status/1998850066757599312)  2025-12-10T20:19Z [--] followers, [--] engagements


"@HenryInvests Auto refi is auto loan right From balance sheet"  
[X Link](https://x.com/piggysensei2/status/2001299349175742882)  2025-12-17T14:32Z [--] followers, [---] engagements


"@boilerjoe99 @HenryInvests Fed rate cut [--] times umi barely moved. 🤦🏻♂"  
[X Link](https://x.com/piggysensei2/status/2003624655840772349)  2025-12-24T00:31Z [--] followers, [--] engagements


"@goddreng10 Seems like it will be abused as an excuse to tighten the loan approval. Very frustrated to see the macro has been so favorable but upst seems stuck on either BS sheet or conversative approval rate. And this UMI totally makes no sense"  
[X Link](https://x.com/piggysensei2/status/2004118477158985843)  2025-12-25T09:14Z [--] followers, [---] engagements


"@tweets4uall @HenryInvests Where did they mention that offloading R&D loans is tge priority"  
[X Link](https://x.com/piggysensei2/status/2004706493573333497)  2025-12-27T00:10Z [--] followers, [--] engagements


"$UPST Will we get an announcement from @davegirouard that "We are on the right track of getting a long term funding for heloc and auto loans and should expect a deal closed before end of 2026" on Q1 earning call 🤣 Those who stay till eoy will be champions #thosewhostay"  
[X Link](https://x.com/anyuser/status/2006025861510701429)  2025-12-30T15:33Z [--] followers, [---] engagements


"@goddreng10 @TweetinKevin @macro_guru If it's not resolved by next earning where did you think the stock will go Like $20"  
[X Link](https://x.com/piggysensei2/status/2006100034249712023)  2025-12-30T20:28Z [--] followers, [--] engagements


"@macro_guru As always. #thosewhostay 🤡"  
[X Link](https://x.com/piggysensei2/status/2006176277292585022)  2025-12-31T01:31Z [--] followers, [--] engagements


"@TweetinKevin @macro_guru No doubt that ceo is fooling us investors. #thosewhostay"  
[X Link](https://x.com/piggysensei2/status/2006178773449031801)  2025-12-31T01:41Z [--] followers, [--] engagements


"@macro_guru I think they just can't get back to the growth mode back in [----] sofi has already eaten up the personal loan market share that was belonged by upstart and they unfortunately lost them"  
[X Link](https://x.com/piggysensei2/status/2006179272936022257)  2025-12-31T01:43Z [--] followers, [---] engagements


"@rounder74339385 @macro_guru I wish they do"  
[X Link](https://x.com/piggysensei2/status/2006180305678274973)  2025-12-31T01:47Z [--] followers, [--] engagements


"@bjmtweets How to explain the stock pump in Q1 25"  
[X Link](https://x.com/piggysensei2/status/2006381070875508852)  2025-12-31T15:04Z [--] followers, [--] engagements


"@macro_guru This stock won't let you end [----] happily 🫠"  
[X Link](https://x.com/piggysensei2/status/2006381620757201306)  2025-12-31T15:07Z [--] followers, [---] engagements


"@sunxliao You pointed the same thing for $CAN. What now for $CAN"  
[X Link](https://x.com/piggysensei2/status/2006382434057891931)  2025-12-31T15:10Z [--] followers, [---] engagements


"@macro_guru If you believe what they said you are fooled by upst mgmt"  
[X Link](https://x.com/piggysensei2/status/2006382803219587422)  2025-12-31T15:11Z [--] followers, [--] engagements


"@macro_guru Apparently they are having fun on a beach somewhere and don't care about the life of retail investors. Maybe Dave will post something with #thosewhostay to give you some useless hope"  
[X Link](https://x.com/piggysensei2/status/2006423680335884558)  2025-12-31T17:54Z [--] followers, [---] engagements


"@goddreng10 @macro_guru How is the increasing balance sheet not an issue for long term It's completely the opposite of being an asset light company UPSTART is born as and the valuation system is completely different for asset heavy and asset light fintech"  
[X Link](https://x.com/piggysensei2/status/2006427002476310761)  2025-12-31T18:07Z [--] followers, [--] engagements


"@macro_guru Ceo is a joke 🤡"  
[X Link](https://x.com/piggysensei2/status/2006427957787766890)  2025-12-31T18:11Z [--] followers, [--] engagements


"@macro_guru Congrats to #thosewhostay"  
[X Link](https://x.com/piggysensei2/status/2006528983593267655)  2026-01-01T00:52Z [--] followers, [--] engagements


"@macro_guru Every $UPST investor needs to brain wash themselves and believe in the world @davegirouard has drawn for them. #thosewhostay"  
[X Link](https://x.com/piggysensei2/status/2006962694906323198)  2026-01-02T05:36Z [--] followers, [---] engagements


"@macro_guru [--] days of nothing. I'm tired"  
[X Link](https://x.com/piggysensei2/status/2009708909339263338)  2026-01-09T19:28Z [--] followers, [---] engagements


"@HenryInvests Credit will be tighter forcing more sub prime customers to $UPST"  
[X Link](https://x.com/piggysensei2/status/2009804964806484279)  2026-01-10T01:50Z [--] followers, [----] engagements


"@davegirouard Do people really pay 23% APR That's insane. Most people just use cc to get rewards and set up auto payment"  
[X Link](https://x.com/piggysensei2/status/2010039002808889807)  2026-01-10T17:20Z [--] followers, [---] engagements


"@HenryInvests $AFRM will win the shares"  
[X Link](https://x.com/piggysensei2/status/2010528285709750295)  2026-01-12T01:44Z [--] followers, [---] engagements


"@goddreng10 @sergimp16 Too many opportunities given. No results except account bleeding"  
[X Link](https://x.com/piggysensei2/status/2010878179913896131)  2026-01-13T00:54Z [--] followers, [--] engagements


"@boilerjoe99 @HenryInvests I am only 50%. Mgmt always gives us "surprise" on earnings. Q2 exploding balance sheet Q3 expanding balance sheet + unreasonable credit tightening. Guess what surprise we get for Q4 Bigger balance sheet + no funding secured for R and D + weak expectation"  
[X Link](https://x.com/piggysensei2/status/2010920788363477305)  2026-01-13T03:44Z [--] followers, [--] engagements


"@HenryInvests I'd rather they don't hold the earning call. Just post the data. Last one was a huge disaster"  
[X Link](https://x.com/piggysensei2/status/2010982161394913292)  2026-01-13T07:48Z [--] followers, [---] engagements


"@Veganhippo21 Any news on APP Why dumping so hadd"  
[X Link](https://x.com/piggysensei2/status/2011494305987444978)  2026-01-14T17:43Z [--] followers, [--] engagements


"@Merica815 @goddreng10 @davegirouard Funding is only issue for R and D not for personal loans"  
[X Link](https://x.com/piggysensei2/status/2011770071727985039)  2026-01-15T11:58Z [--] followers, [--] engagements


"@HenryInvests Thanks for the input. Upst short interest raise again. What's your thought"  
[X Link](https://x.com/piggysensei2/status/2013672353276862732)  2026-01-20T17:57Z [--] followers, [---] engagements


"@HenryInvests Why cannot WST idiot understand how fast this company is growing"  
[X Link](https://x.com/piggysensei2/status/2014718973032690128)  2026-01-23T15:16Z [--] followers, [---] engagements


"@HenryInvests The process to prove gonna take a long time it's not the fault of upstart. You need to understand how upstart selected loan runs in different macro environment. And also stock price is relfecting its risk to macro high votality"  
[X Link](https://x.com/piggysensei2/status/2014722616721080778)  2026-01-23T15:31Z [--] followers, [---] engagements


"@HenryInvests I am not sure tbh after seeing six rate cuts and umi stick to almost same level before. I don't know how low the rate should be in a favorable macro environment for upst"  
[X Link](https://x.com/piggysensei2/status/2014724539444572254)  2026-01-23T15:38Z [--] followers, [---] engagements


"@goddreng10 @HenryInvests Double beat No doubt. Balance sheet offloading Unlikely"  
[X Link](https://x.com/piggysensei2/status/2015254264340480132)  2026-01-25T02:43Z [--] followers, [--] engagements


"@macro_guru @Upstart This is because they chose the wrong business model at the very beginning. Should build something like fico"  
[X Link](https://x.com/piggysensei2/status/2015256606456553824)  2026-01-25T02:53Z [--] followers, [--] engagements


"@playsmart9 @HenryInvests @davegirouard 1.2B risk. No kidding. $UPST goes to 10"  
[X Link](https://x.com/piggysensei2/status/2018514519128232108)  2026-02-03T02:38Z [--] followers, [---] engagements


"@InvestForAnna @parthpat87 Absolutely. Bs sheet needs to be reduced asap"  
[X Link](https://x.com/piggysensei2/status/2018734914137727453)  2026-02-03T17:14Z [--] followers, [--] engagements


"@HenryInvests @Rebellionaire 1.3b revenue is unacceptable considering it's valued as a growing company and given high valuation"  
[X Link](https://x.com/piggysensei2/status/2018845576243327465)  2026-02-04T00:34Z [--] followers, [---] engagements


"@HenryInvests @Rebellionaire If we don't see a solid reduction on balance sheet it reflects a severe issue on management's execution which will cause lost of confidence among broader investors"  
[X Link](https://x.com/piggysensei2/status/2018861576439349755)  2026-02-04T01:38Z [--] followers, [---] engagements


"@HenryInvests And wall street definitely implies as UPST will take the loss in the co investment model"  
[X Link](https://x.com/piggysensei2/status/2020858272656265332)  2026-02-09T13:52Z [--] followers, [---] engagements


"@mikealfred $ASST"  
[X Link](https://x.com/piggysensei2/status/2020898794301464778)  2026-02-09T16:33Z [--] followers, [---] engagements


"$UPST What is upstart's next story Loans on bs has been reduced. Auto and Heloc loan volume is going up. What else can upstart do to pump the stock price It seems like they did everything right yet can do nothing with the stock price"  
[X Link](https://x.com/anyuser/status/2021610047155908895)  2026-02-11T15:39Z [--] followers, [---] engagements


"@AlexMoonvest $UPST $PGY"  
[X Link](https://x.com/piggysensei2/status/2021791176916131919)  2026-02-12T03:39Z [--] followers, [---] engagements


"@Veganhippo21 True. Do you think they will get a deal with long term partner like Blue Owl for R&D loan I think market is too harsh. They are looking for a smaller balance sheet and upstart did it. But still"  
[X Link](https://x.com/piggysensei2/status/2021799519969849541)  2026-02-12T04:12Z [--] followers, [--] engagements


"@Veganhippo21 $UPST hitting tarrif day low"  
[X Link](https://x.com/piggysensei2/status/2021963487480828181)  2026-02-12T15:03Z [--] followers, [---] engagements


"@Tai_Chen_Hsiang @HenryInvests @Upstart @paulxgu @davegirouard After one year of effort and "perfect management execution" we finally get here"  
[X Link](https://x.com/piggysensei2/status/2021966557581389946)  2026-02-12T15:16Z [--] followers, [---] engagements


"@HenryInvests No buying power on $UPST not even a little"  
[X Link](https://x.com/piggysensei2/status/2021974341706297626)  2026-02-12T15:47Z [--] followers, [---] engagements


"@HenryInvests @BitterFruit3 This is $UPST good ER dumps the stock. Tired of seeing this happens all the time"  
[X Link](https://x.com/piggysensei2/status/2021871366883180684)  2026-02-12T08:57Z [--] followers, [---] engagements


"@HenryInvests We need some explosive good news like long term investment deal for auto and heloc with Blue owl or some private capital"  
[X Link](https://x.com/piggysensei2/status/2021970937953104212)  2026-02-12T15:33Z [--] followers, [---] engagements


"@HenryInvests Maybe deals are too small no big name mentioned. They used to have deal with Blue Owl for about [--] billion. I don't know why it's so hard for them to find something similar of a mire secured loan type"  
[X Link](https://x.com/piggysensei2/status/2021973737944547570)  2026-02-12T15:44Z [--] followers, [---] engagements


"@bjmtweets What about $UPST More downside risk"  
[X Link](https://x.com/piggysensei2/status/2022274602391789990)  2026-02-13T11:40Z [--] followers, [---] engagements


"$UPST What is upstart's next story Loans on bs has been reduced. Auto and Heloc loan volume is going up. What else can upstart do to pump the stock price It seems like they did everything right yet can do nothing with the stock price"  
[X Link](https://x.com/anyuser/status/2021610047155908895)  2026-02-11T15:39Z [--] followers, [---] engagements


"💯 The risker macroenomic env becomes the less favorable Upstart loans will be for lenders. The problem is unsolvable by Upstart itself it's the inexplainbility of the AI model. Since Upstart has chosen this path it has to embrace the flaw. Upstart is fundamentally a company whose core mission is to *judge* appropriate interest rates through AI. while AI may be able to calculate probabilities accurately it cannot control the fear of credit institutions. Upstart is fundamentally a company whose core mission is to *judge* appropriate interest rates through AI. while AI may be able to calculate"  
[X Link](https://x.com/anyuser/status/2015749480688295939)  2026-01-26T11:31Z [--] followers, [--] engagements


"Upstart is fundamentally a company whose core mission is to *judge* appropriate interest rates through AI. while AI may be able to calculate probabilities accurately it cannot control the fear of credit institutions"  
[X Link](https://x.com/anyuser/status/2015686021028233489)  2026-01-26T07:19Z [--] followers, [----] engagements


"$UPST Will we get an announcement from @davegirouard that "We are on the right track of getting a long term funding for heloc and auto loans and should expect a deal closed before end of 2026" on Q1 earning call 🤣 Those who stay till eoy will be champions #thosewhostay"  
[X Link](https://x.com/anyuser/status/2006025861510701429)  2025-12-30T15:33Z [--] followers, [---] engagements


"$UPST We not talking about the long term funding deal for R&D loans this year Just because the Q4 truspilot review is doing well and @davegirouard made more "championship" tweets in Q4 Besides these tweets why not give us some updates on the deals"  
[X Link](https://x.com/anyuser/status/2003509975201800270)  2025-12-23T16:56Z [--] followers, [---] engagements


"There is always an excuse to short $UPST https://gamblingharm.org/sports-betting-student-loans/ https://gamblingharm.org/sports-betting-student-loans/"  
[X Link](https://x.com/anyuser/status/1993782222466547743)  2025-11-26T20:41Z [--] followers, [---] engagements


"Sell the spike is all you need to trade $UPST no matter its short term or day trade. Its that simple"  
[X Link](https://x.com/anyuser/status/1969064507583443014)  2025-09-19T15:42Z [--] followers, [---] engagements

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