# ![@trevhesinvests Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1796883997764505600.png) @trevhesinvests Trevor Heslop

Trevor Heslop posts on X about $pgy, $zeta, business, $fubo the most. They currently have [---] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1796883997764505600/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1796883997764505600/c:line/m:interactions.svg)

- [--] Week [------] +2.20%
- [--] Month [-------] +519%
- [--] Months [-------] +361,769%
- [--] Year [-------] +3,386,893%

### Mentions: [--] [#](/creator/twitter::1796883997764505600/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1796883997764505600/c:line/m:posts_active.svg)

- [--] Week [--] -39%
- [--] Month [---] +232%
- [--] Months [---] +59,100%
- [--] Year [---] +59,200%

### Followers: [---] [#](/creator/twitter::1796883997764505600/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1796883997764505600/c:line/m:followers.svg)

- [--] Week [---] +15%
- [--] Month [---] +183%
- [--] Months [---] +3,705%
- [--] Year [---] +4,973%

### CreatorRank: [-------] [#](/creator/twitter::1796883997764505600/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1796883997764505600/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  #6108 [finance](/list/finance)  44.36% [technology brands](/list/technology-brands)  18.8% [cryptocurrencies](/list/cryptocurrencies)  16.54% [social networks](/list/social-networks)  3.01% [countries](/list/countries)  1.5% [fashion brands](/list/fashion-brands)  0.75% [financial services](/list/financial-services)  0.75%

**Social topic influence**
[$pgy](/topic/$pgy) #3, [$zeta](/topic/$zeta) #99, [business](/topic/business) 9.02%, [$fubo](/topic/$fubo) #64, [$upst](/topic/$upst) #8, [$amd](/topic/$amd) 6.77%, [$meta](/topic/$meta) #326, [meta](/topic/meta) 6.02%, [balance sheet](/topic/balance-sheet) 6.02%, [in the](/topic/in-the) 6.02%

**Top accounts mentioned or mentioned by**
[@endicottinvests](/creator/undefined) [@thephiloinvest](/creator/undefined) [@wealthmatica](/creator/undefined) [@dubbiosismo](/creator/undefined) [@investordenis](/creator/undefined) [@ronenhayempour](/creator/undefined) [@lngtermcapital](/creator/undefined) [@longgameequity](/creator/undefined) [@growththesis](/creator/undefined) [@galkrubiner](/creator/undefined) [@johntinsman](/creator/undefined) [@investincintel](/creator/undefined) [@gs2990731142281](/creator/undefined) [@drkevorkian666](/creator/undefined) [@raysfrom98](/creator/undefined) [@yahoofinance](/creator/undefined) [@moneybagskira](/creator/undefined) [@yugdongju91196](/creator/undefined) [@clothoprime](/creator/undefined) [@beleggerbas](/creator/undefined)

**Top assets mentioned**
[Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [ZetaChain (ZETA)](/topic/$zeta) [fuboTV Inc. (FUBO)](/topic/$fubo) [Upstart Holdings, Inc. (UPST)](/topic/$upst) [Advanced Micro Devices (AMD)](/topic/$amd) [Metadium (META)](/topic/$meta) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Adobe, Inc. (ADBE)](/topic/$adbe) [aelf (ELF)](/topic/$elf) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Palantir Technologies Inc. (PLTR)](/topic/$pltr) [Fair Isaac, Corp. (FICO)](/topic/$fico) [Mastercard, Inc. (MA)](/topic/$ma) [Comcast Corporation (CMCSA)](/topic/$cmcsa) [DisChain (DIS)](/topic/$dis) [Salesforce Inc (CRM)](/topic/$crm) [Now Coin (NOW)](/topic/$now) [Duolingo, Inc.  (DUOL)](/topic/$duol) [Microsoft Corp. (MSFT)](/topic/$msft) [Charter Communications Inc (CHTR)](/topic/$chtr) [PepsiCo, Inc. (PEP)](/topic/$pep) [Monster Beverage Corp (MNST)](/topic/$mnst) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Figure Technology Solutions, Inc. (FIGR)](/topic/$figr) [RAI Finance (SOFI)](/topic/$sofi) [Nike Inc (NKE)](/topic/$nke)
### Top Social Posts
Top posts by engagements in the last [--] hours

"If Pagaya can help these lenders be more competitive on that front helping them approve more customers they will come to Pagaya all day long - Pagaya CEO Gal Krubiner $PGY"  
[X Link](https://x.com/trevhesinvests/status/2021363703833297388)  2026-02-10T23:20Z [---] followers, [----] engagements


"$META Base Case Projections from FY 2025-2029: FY 2025: - Revenue: $198.56B - Net Income: $74.53B (Doesn't include the 1-time tax charge of $15.9B) - Net Income Margin: 37.5% - EPS: $29.57 PE Ratio's between [--] & [--] puts the stock price between $650 & $828 (5.7%-34.6% undervalued) https://twitter.com/i/web/status/2014081132132696476 https://twitter.com/i/web/status/2014081132132696476"  
[X Link](https://x.com/trevhesinvests/status/2014081132132696476)  2026-01-21T21:02Z [---] followers, [---] engagements


"$PGY currently trades at 1.5x P/S. let's compare that to it's peers: $UPST 4.45x 65% YoY rev $AFRM 6.82x 34% YoY rev $SOFI 7.33x 29% YoY rev $LC 1.87x 16% YoY rev $FIGR 29.97x 156% YoY rev $PGY: 36% YoY revenue expenses -21.8% YoY [--] straight GAAP-profitable quarters FCF +700%+ YoY As long as execution continues a re-rating is only a matter of time If we see $PGY re-rate to even 4x sales & revenue grows by +20% over the NTM which is conservative imo that implies a 220% gain from today's price ($70) The risk to reward is extremely attractive https://twitter.com/i/web/status/2015028055056531627"  
[X Link](https://x.com/trevhesinvests/status/2015028055056531627)  2026-01-24T11:45Z [---] followers, [----] engagements


"@fiscal_ai We could see $PYPL hit double digit revenue growth in [----]. Over the past [--] quarters theyve accelerated revenue growth from 1% in Q1 5% in Q2 7% in Q3. Although the past [--] years have been daunting for shareholders the future could be bright"  
[X Link](https://x.com/trevhesinvests/status/2015107973194961062)  2026-01-24T17:02Z [---] followers, [----] engagements


"I made a HUGE move this morning and I'm sure a lot of you saw this coming. I finally started a position in $PGY. I bought [--] shares @ $21.88 and I plan on continuing to build this position out over the next few months. I sold a small % of my $NKE holding and rotated that capital into $PGY although my $NKE thesis remains intact & I still believe in this investment over the long-term. If you want to see ALL of the moves I make in my portfolio in real-time (and track your own portfolio) for FREE join Blossom using the link below https://twitter.com/i/web/status/2015835917353697389"  
[X Link](https://x.com/trevhesinvests/status/2015835917353697389)  2026-01-26T17:15Z [---] followers, [----] engagements


"@thephiloinvest @InvestorDenis I actually believe the 10% rate cap would help $PGY I made a post about it here: If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will mean for overall economy. If rates come down by 50-70% banks will earn a lot less $ on credit cards. This would cause https://t.co/Un5ZtPalWq If the 10% cap on credit card interest rates goes through here's how it could affect $PGY: Before we dive straight into $PGY we need to know what this will mean for overall economy. If"  
[X Link](https://x.com/trevhesinvests/status/2016115011299500450)  2026-01-27T11:44Z [---] followers, [---] engagements


"@thephiloinvest @stevenfiorillo What are the actual odds of this rate cap going through though I do agree with the fact that the credit demand won't disappear yet shift towards instalment loans POS loans & personal loans. this would be incredibly bullish for $PGY"  
[X Link](https://x.com/trevhesinvests/status/2016205891305951680)  2026-01-27T17:45Z [---] followers, [---] engagements


"The issue with comparing credit exposure to cash is it assumes all loans are equal. $PGY's balance sheet exposure is mostly temporary working capital meant to be sold to investors while $UPST's loans sit on the balance sheet when markets tighten. The ratio math is the same but the downside risk is very different. Happy to discuss further https://twitter.com/i/web/status/2016236935249789179 https://twitter.com/i/web/status/2016236935249789179"  
[X Link](https://x.com/trevhesinvests/status/2016236935249789179)  2026-01-27T19:48Z [---] followers, [---] engagements


"Ive officially decided that $PGY will be the first company I do a full stock analysis report on This ones misunderstood and the opportunity is massive. Whos excited"  
[X Link](https://x.com/trevhesinvests/status/2016289022532808882)  2026-01-27T23:15Z [---] followers, [----] engagements


"Yesterday I bought $PGY & $ZETA What should I buy today"  
[X Link](https://x.com/trevhesinvests/status/2016481391685374110)  2026-01-28T12:00Z [---] followers, [----] engagements


"I agree this is a HUGE deal. Here's why: This is $PGY's first forward-flow agreement for their relatively new POS segment. This signals real institutional confidence in the technologies' underwriting Forward-flow agreements = pre-committed demand. Thats what unlocks scalable POS growth without taking on major balance sheet risk This is the model doing exactly what its supposed to do. Let @galkrubiner cook👨🏻🍳 The up to $720M forward flow with Sound Point is a strong signal of institutional validation for Pagayas POS platform. $PGY The up to $720M forward flow with Sound Point is a strong"  
[X Link](https://x.com/trevhesinvests/status/2016488936038953032)  2026-01-28T12:30Z [---] followers, [----] engagements


"The math says that $PGY is the better investment but this chart doesn't fully capture the risk. $UPST has higher cyclicality + funding risk. When capital markets freeze and loans don't clear $UPST ends up: - Holding loans longer than expected - Cutting volume aggressively - Taking a hit to revenues AND margins $PGY on the other hand takes far less balance sheet risk. It typically only holds 1.5-5% of loans which means when capital markets tighten $PGY can: - Keep operating without liquidity stress - Adjust underwriting instead of shutting down volume - Cap it's losses institutional investors"  
[X Link](https://x.com/trevhesinvests/status/2016587013642658249)  2026-01-28T18:59Z [---] followers, [----] engagements


"$PGY getting sold off heavy today not seeing any news though. Does anyone know if something in particular is causing this"  
[X Link](https://x.com/trevhesinvests/status/2016891439972585656)  2026-01-29T15:09Z [---] followers, [----] engagements


"@GS2990731142281 Maybe but $FICO is green on the day so far. I'm looking into it"  
[X Link](https://x.com/trevhesinvests/status/2016895710503829786)  2026-01-29T15:26Z [---] followers, [---] engagements


"@RonenHayempour Yes I will most likely add again today need to look into $FICO's earnings to see if anything was said will make a post if I find anything interesting"  
[X Link](https://x.com/trevhesinvests/status/2016895954138382695)  2026-01-29T15:27Z [---] followers, [---] engagements


"$PGY is down nearly 6% today and I believe this moves relates back to $FICO's earnings last night here's why: - They reiterated guidance but they didn't raise. Management said that they need another quarter of data before updating their outlook. This is a yellow flag for near-term visibility - Mortgage uncertainty was flagged due to rate volatility and when mortgage confidence is low lenders tend to tighten across credit. - Their software growth slowed margins dipped & spending rose. That's a signal for softer demand for credit analytics. This caution from $FICO management has spilt over into"  
[X Link](https://x.com/trevhesinvests/status/2016900591339929718)  2026-01-29T15:45Z [---] followers, [----] engagements


"@Drkevorkian666 Correct. Check out my latest post it has to do with $FICO's earnings yesterday as well"  
[X Link](https://x.com/trevhesinvests/status/2016902077771817393)  2026-01-29T15:51Z [---] followers, [---] engagements


"$MA's VASS grew 26% this quarter & 21% for FY 25' VASS now makes up 44% of Mastercard's total revenue vs 38% at the same time last year. 60% of VASS revenues are network-linked. This is where the growth opportunity lies within $MA Mastercard is quietly becoming a payments OS. Value-Added Services (cybersecurity data fraud) grew +26% this quarter. That's a $500B TAM with 6.5% penetration. $MA https://t.co/VLwNWvPBuh Mastercard is quietly becoming a payments OS. Value-Added Services (cybersecurity data fraud) grew +26% this quarter. That's a $500B TAM with 6.5% penetration. $MA"  
[X Link](https://x.com/trevhesinvests/status/2017613810475938190)  2026-01-31T14:59Z [---] followers, [---] engagements


"@qualtrim VASS is quietly becoming the core growth engine at $MA. With 26% growth this quarter and 21% in FY25 it now represents 44% of total revenue versus 38% a year ago. Not too mention 60% of VASS revenues are network-linked and the network continues to grow at high single digits"  
[X Link](https://x.com/trevhesinvests/status/2017614851057553414)  2026-01-31T15:04Z [---] followers, [---] engagements


"$ZETA is trading well below its price prior to the OpenAI partnership announcement AND Q3 earnings which were an absolute blowout. The whole SaaS sector as a whole is being sold off but the fundamentals continue to grow. $ZETA is one of the easiest buys in the market right now $Zeta at $18.50 is is literally no brainer. This was trading near $25 few day ago and i bought it at $22. its trading is good discount. Easy double than most people think. Who else think this will double soon https://t.co/79lWEqwsq1 $Zeta at $18.50 is is literally no brainer. This was trading near $25 few day ago and i"  
[X Link](https://x.com/trevhesinvests/status/2017617968419455328)  2026-01-31T15:16Z [---] followers, [---] engagements


"🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural shift not a short-term cycle (1/9) $FUBO"  
[X Link](https://x.com/trevhesinvests/status/2017677593571693026)  2026-01-31T19:13Z [---] followers, [----] engagements


"$CMCSA (Comcast Corp - Xfinity) - 22.4M subs in [------] 11.3M today (50% decline) - Lost 1.58M TV customers in [----] - Lost another 1.25M in [----] Churn remains elevated despite pricing changes and bundling efforts (2/9)"  
[X Link](https://x.com/trevhesinvests/status/2017677596570382453)  2026-01-31T19:13Z [---] followers, [---] engagements


"Must-read thread for all $FUBO $GOOGL $DIS & $NFLX shareholders 🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural shift not a short-term https://t.co/5MMtKLalvu 🧵Traditional Pay-TV is shrinking and the decline is accelerating. Over the past [--] years traditional Pay-TV providers have lost roughly 3050%+ of their subscriber bases. And over the past [--] years losses have accelerated. This is a structural"  
[X Link](https://x.com/trevhesinvests/status/2018030073228501408)  2026-02-01T18:33Z [---] followers, [---] engagements


"$FUBO Merger Cost Synergies: What The Data Actually Suggests Recent sell-side and industry analysis points to meaningful cost savings and margin upside from the Hulu + Live TV merger driven by Disney-scale economics: - Content costs: Disneys MFN ( clauses and unified negotiations could reduce annual content costs by $150M$200M (Source: MoffettNathanson Citi) - Ad monetization: Integration into Disneys ad-tech stack is expected to lift Ad-ARPU by $1.50$3.00 per month driven by higher fill rates and better targeting (Source: Citi Evercore ISI) - Infrastructure & tech: Consolidation of billing"  
[X Link](https://x.com/trevhesinvests/status/2018075421007302968)  2026-02-01T21:34Z [---] followers, [----] engagements


"$FUBO reports their Q1 [----] earnings tomorrow morning and I believe we will FINALLY get financials + guidance of the new entity of Fubo TV & Hulu + Live TV. My report now featured on Yahoo Finance will help you get up to date with what's going on within the business and what's expected to come in the future https://x.com/trevhesinvests/status/2018381439046242334s=20 https://x.com/trevhesinvests/status/2018381439046242334s=20"  
[X Link](https://x.com/trevhesinvests/status/2018382319095001482)  2026-02-02T17:53Z [---] followers, [---] engagements


"That's a great question and I'm not exactly sure of the answer. However just because the merger was approved doesn't mean they can flip a switch and start advertising right away. They're technically still operating as separate companies so running $FUBO ads on ESPN could cause some legal troubles. That would be my guess. https://twitter.com/i/web/status/2018460251813523697 https://twitter.com/i/web/status/2018460251813523697"  
[X Link](https://x.com/trevhesinvests/status/2018460251813523697)  2026-02-02T23:03Z [---] followers, [---] engagements


"@raysfrom98 @YahooFinance Thank you Thomas"  
[X Link](https://x.com/trevhesinvests/status/2018520480781947219)  2026-02-03T03:02Z [---] followers, [---] engagements


"Forward-flow agreements are the real story with $PGY These deals require $PGY to hold NONE of the loans on its balance sheet absolutely ZERO duration risk More volume less capital less risk This is how $PGY scales without becoming a lender and why management is focused on signing more of these forward-flow agreements $PGY reports one week from now on Feb [--]. If you're not familiar with the company here's what it's been up to recently and why I think it has growth potential: $PGY is a second-look tool for loan applications. If a bank declines your loan its typically because at least one"  
[X Link](https://x.com/trevhesinvests/status/2018651933901459485)  2026-02-03T11:45Z [---] followers, [----] engagements


"For the enterprise software category only three companies score higher than $PGY on the Rule of [--] metric: [--]. $PLTR (127%) [--]. $PTC (99%) [--]. $FICO (71%) $PGY at 63% is right there with them. The market still treats it like a lender but the numbers look a lot more like enterprise fintech software. $PGY amid excellence $PLTR https://t.co/LUSDBYzctZ $PGY amid excellence $PLTR https://t.co/LUSDBYzctZ"  
[X Link](https://x.com/trevhesinvests/status/2018655708703854788)  2026-02-03T12:00Z [---] followers, [----] engagements


"$FUBO shareholders how are we feeling What are you expecting for numbers Will we get NewCo guidance Let me know your thoughts/expectations below"  
[X Link](https://x.com/trevhesinvests/status/2018655714877837539)  2026-02-03T12:00Z [---] followers, [----] engagements


"I agree with John here: execution has been strong earnings momentum looks solid going into tomorrow and this still feels like the early innings of a new growth cycle for $AMD As we move through [----] I wouldnt be surprised to see $AMD start growing revenues at a faster percentage rate than $NVDA as its product mix and data center exposure continue to scale AMD UP +118% [--] YR $AMD Great to see AMD doing so well the company is executing well on many leading areas of semiconductors. It's my opinion that we will see the company continue to accelerate revenue growth to 50% yoy in the coming"  
[X Link](https://x.com/trevhesinvests/status/2018659483241595018)  2026-02-03T12:15Z [---] followers, [---] engagements


"This is exactly the point that people miss: $PGY isnt a balance sheet lender taking credit risk its fintech infrastructure sitting acting as the middle man between banks and institutional capital AI underwriting capital-light model 20-40% revenue growth 40% gross margins and operating leverage starting to show in a real way Credit sentiment is rough right now but the business fundamentals are telling a VERY different story ahead of earnings You may have heard a lot about $PGY recently on FinX but what do they do👇💲 Pagaya is a fintech platform that uses data and machine learning to connect"  
[X Link](https://x.com/trevhesinvests/status/2018660741788659796)  2026-02-03T12:20Z [---] followers, [----] engagements


"@MoneybagsKira I agree. They have such an incredible opportunity with this merger and have barely given us anything plus ANOTHER quarter of zero guidance for the Newco. I feel your frustration"  
[X Link](https://x.com/trevhesinvests/status/2018713162187448645)  2026-02-03T15:48Z [---] followers, [--] engagements


"@JohnTinsman Agreed. CEO Alex Chriss is also stepping down effective immediately and will be replaced by former HP CEO Enrique Lores. I recently sold $PYPL for a slight gain a few months ago and rotated those funds into $ZETA & $NBIS"  
[X Link](https://x.com/trevhesinvests/status/2018717019927883936)  2026-02-03T16:03Z [---] followers, [---] engagements


"That's true This merger gives $FUBO life and it truly has the opportunity to become a powerhouse within the OTT Pay-TV industry. The stock is getting crushed today because a) we didn't get any guidance for the Newco b) reverse stock split and c) no news/updates on the NBCU dispute. If you haven't already read my article on Yahoo Finance please do so and let me know your thoughts I do acknowledge that this is a high-risk high-reward play and it remains a very small % of my portfolio. https://twitter.com/i/web/status/2018726004164894971 https://twitter.com/i/web/status/2018726004164894971"  
[X Link](https://x.com/trevhesinvests/status/2018726004164894971)  2026-02-03T16:39Z [---] followers, [---] engagements


"@S_sss910 Correct they have to retain 1.5-5% of loans originated. They do not have to retain any loans on FF agreements. Their impairments have gotten much better over the past year check my post below for more info: https://x.com/trevhesinvests/status/2013407039087616313s=20 The most important change in $PGY's business right now isnt growth its credit quality: Yes the portfolio grew 14% YoY and loan issuance rose 29% but the real story is that credit losses collapsed at the same time On a portfolio basis losses fell from 10.0% to 2.3% in https://t.co/GMMIYlXZbW"  
[X Link](https://x.com/trevhesinvests/status/2018745573008916727)  2026-02-03T17:57Z [---] followers, [--] engagements


"@InvestorDenis @wealthmatica Very true Especially with the continued sell-off of the overall SaaS industry $ZETA is a STEAL deal"  
[X Link](https://x.com/trevhesinvests/status/2018745739346583698)  2026-02-03T17:57Z [---] followers, [---] engagements


"@RonenHayempour LFG I bought as well"  
[X Link](https://x.com/trevhesinvests/status/2018803736190296314)  2026-02-03T21:48Z [---] followers, [---] engagements


"Banger quarter from $AMD (YoY): - Revenue +34% with gross profit +41% - Gross margin +300bps - OpEx +42% but OpEx/Rev only +1% (disciplined reinvestment) - Op. income +41% op. margin +200bps - Net income +42% EPS +40% Operating. Leverage"  
[X Link](https://x.com/trevhesinvests/status/2018806695137567212)  2026-02-03T21:59Z [---] followers, [----] engagements


"@yugdongju91196 Youre as pathetic as $PYPL"  
[X Link](https://x.com/trevhesinvests/status/2018853711972389292)  2026-02-04T01:06Z [---] followers, [--] engagements


"@Ashton_1nvests $ZETA & $PGY"  
[X Link](https://x.com/trevhesinvests/status/2018877926817862081)  2026-02-04T02:43Z [---] followers, [---] engagements


"🚨Stocks I bought/sold yesterday🚨 Sells: - $ZMMK (Cash) - $PLMR @ $122.1 (+6.62% gain 13% decrease) Buys: - $PGY @ $17.98 (+20% increase) - $ZETA @ $18.11 & $16.94 (+1% & +6% increase respectively) $PGY & $ZETA are high up on my short-list right now alongside $NBIS $HIMS $META & I MAY buy more $AMD if it continues to sell off after those BANGER earnings. I only sold my $PLMR to rotate it into both $ZETA + $PGY I still believe in the $PLMR thesis but I have a higher conviction in these [--] at the moment. That'll be all from me for now I may buy some more today as well 😉"  
[X Link](https://x.com/trevhesinvests/status/2019018231735021979)  2026-02-04T12:00Z [---] followers, [----] engagements


"@lngtermcapital Right now Id say $ZETA. One of if not the best buy in the market after the recent pullback. Ive also done more research on $ZETA over $PGY but Im becoming more and more bullish on $PGY the more research I do"  
[X Link](https://x.com/trevhesinvests/status/2019024056696307826)  2026-02-04T12:23Z [---] followers, [---] engagements


"Every single person whos worried about the current SaaS sell-off needs to watch this video ASAP. If anyone were to have the best idea if AI would replace all of these SaaS companies it would be Jensen. Were talking $ZETA $NOW $DUOL $CRM $CSU $ADBE $MNDY etc. Jensen Huang: Market is wrong about software stocks "The notion that AI is somehow going to replace software companies is the most illogical thing in the world and time will prove itself" Interview date: [--] February [----] https://t.co/SgWZVIf4nT Jensen Huang: Market is wrong about software stocks "The notion that AI is somehow going to"  
[X Link](https://x.com/trevhesinvests/status/2019064577145594074)  2026-02-04T15:04Z [---] followers, [----] engagements


"Were still very very early AI is accelerating at a pace that I would not have imagined. - $AMD CEO Lisa Su Listen to what she says about 2H 2026"  
[X Link](https://x.com/trevhesinvests/status/2019158328870367570)  2026-02-04T21:17Z [---] followers, [----] engagements


"Yes Rhode acquisition contributed $128M to revenue or 36% of total growth and the rest of the business contributed to the remaining 2% of the growth. $ELF expects 2% organic (Ex-Rhode) growth for FY 26' 70% growth for Rhode itself & 22-23% total growth for the entire company for the year. Thanks for making me aware of this from what I've found based on the CC the ST pressures are from temporary softness in the UK & Germany which are both lapping large prior year launches & facing weaker consumer trends. So as of Q3 26' Rhode makes up 33% of total revenues & is expected to grow at a 70%"  
[X Link](https://x.com/trevhesinvests/status/2019204688852447241)  2026-02-05T00:21Z [---] followers, [---] engagements


"@daniel_veg27661 You're right Daniel thank you mentioning this. I will make a quote repost with this info can't believe I forgot to mention this"  
[X Link](https://x.com/trevhesinvests/status/2019206817256206387)  2026-02-05T00:29Z [---] followers, [--] engagements


"Agreed although I did see this coming😏. Rhode did $212M in TTM sales ending Mar [----] with only [--] products and the sales were entirely DTC. With the supply chain + relationships of $ELF and the brand of Hailey Bieber (10's of millions of followers online) Rhode is set to be an INCREDIBLE acquisition from $ELF at a $1 Billion valuation. https://twitter.com/i/web/status/2019217422520070351 https://twitter.com/i/web/status/2019217422520070351"  
[X Link](https://x.com/trevhesinvests/status/2019217422520070351)  2026-02-05T01:12Z [---] followers, [---] engagements


"One important thing I somehow missed in my original $FUBO Q1 recap👇 The ESPN ad deal matters in a big way. ESPN will actively market and sell $FUBO Sports to U.S. sports fans. Thats massive distribution lower CAC and better unit economics over time. Pair that with post-merger cost discipline and the long-term profitability story looks better than the quarter alone suggests. $FUBO Q1 [----] Earnings - Let's lay it all out. Pros: - 40% YoY Revenue growth to $1.549B; pro forma growth of 6% - Net loss narrowed to -$19.1M vs -$38.6M YoY - Pro-forma adj. EBITDA rose to $41.4M from $22M YoY - Adj."  
[X Link](https://x.com/trevhesinvests/status/2019380490193829939)  2026-02-05T12:00Z [---] followers, [---] engagements


"@LongGameEquity Super high quality company products and management team. I'm a big fan of $ELF as a diversification play in my portfolio. Cheers"  
[X Link](https://x.com/trevhesinvests/status/2019428831845880076)  2026-02-05T15:12Z [---] followers, [---] engagements


"First Lisa Su then Jensen Huang and now Sundar Pichai. This is a bet I'm willing to take and the risk to reward is attractive to me. SaaS companies I own include $ZETA $PLTR $DUOL $PGY SaaS companies I'm looking into include $ADBE $NOW $CRM $CSU $GOOGL SUNDAR ON THE RECENT SAAS MELTDOWN: - AI is going to be an enabling tool for software companies we are seeing massive token usage - Many companies are incorporating Gemini into their workflows to increase productivity - Software companies that are utilizing AI have https://t.co/bYcIzvfTQ3 $GOOGL SUNDAR ON THE RECENT SAAS MELTDOWN: - AI is going"  
[X Link](https://x.com/trevhesinvests/status/2019434594035200516)  2026-02-05T15:35Z [---] followers, [---] engagements


"Here's the rundown on $PGY's new $800M ABS deal announced yesterday: This was Pagayas 85th securitization and its LARGEST since Nov [----] reinforcing its position as a leading issuer in U.S. personal-loan ABS The deal was AAA-rated involved [--] institutional investors (mostly repeat buyers green flag) and was upsized 33% from an initial $600M target due to strong demand. As with all ABS deals $PGY retains only 25% of the loans for regulatory risk-retention while distributing 95%+ to institutions. This keeps the model capital-light So far in [----] $PGY has secured $2.55B in total institutional"  
[X Link](https://x.com/trevhesinvests/status/2019452141094457736)  2026-02-05T16:44Z [---] followers, [----] engagements


"@RonenHayempour Just better opportunities😉 I just bought [--] more shares of $ZETA"  
[X Link](https://x.com/trevhesinvests/status/2019512110707786005)  2026-02-05T20:43Z [---] followers, [---] engagements


"@bdinvestingg $NBIS $IREN"  
[X Link](https://x.com/trevhesinvests/status/2019601359033757823)  2026-02-06T02:37Z [---] followers, [----] engagements


"Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned"  
[X Link](https://x.com/trevhesinvests/status/2019603604227928182)  2026-02-06T02:46Z [---] followers, [----] engagements


"@EndicottInvests 100%. Conviction is key. $AMD at $187.70 is undervalued $AMZN at $197.75 is undervalued $META at $655 is undervalued There are TOO many deals in the market right now I'm not complaining though"  
[X Link](https://x.com/trevhesinvests/status/2019612880405197237)  2026-02-06T03:23Z [---] followers, [---] engagements


"I agree with $AMD its my highest conviction play at the moment. I hear you John and you might be right Im looking at some other SaaS plays like $INTU $MSFT $ADBE $SHOP as well. However Im quite bullish on those other [--] names and they have been hit hard as well I do understand the risk Im taking with investing in these companies over some of the other ones I listed above. https://twitter.com/i/web/status/2019771751337456061 https://twitter.com/i/web/status/2019771751337456061"  
[X Link](https://x.com/trevhesinvests/status/2019771751337456061)  2026-02-06T13:54Z [---] followers, [---] engagements


"$AMZN trades at just 15.38x AWS ARR after the 9.5% sell-off this morning. This doesn't take into account: - E-commerce - Advertising - Subscription services - Hardware & digital sales - Other revenue streams (Project LEO Zoox Twitch etc) $AMZN is a buy here folks"  
[X Link](https://x.com/trevhesinvests/status/2019783175124156637)  2026-02-06T14:40Z [---] followers, [---] engagements


"Solid move up so far this morning for $PGY. I wouldn't be surprised to see it sell-off later today"  
[X Link](https://x.com/trevhesinvests/status/2019791179429089506)  2026-02-06T15:11Z [---] followers, [----] engagements


"Great question Fabrizio. The balance sheet can look confusing because $PGY isnt a normal SaaS company. They need a lot of cash and debt to temporarily finance loans before selling them to institutional investors. Theyre currently sitting on meaningful cash ($260M) and the debt is largely used as working capital not to fund operating losses. Theyve also pushed maturities out and improved the quality of that debt. The model works as long as credit markets stay open. Its not risk-free but the debt itself isnt automatically a red flag in this business."  
[X Link](https://x.com/trevhesinvests/status/2019801910602006722)  2026-02-06T15:54Z [---] followers, [---] engagements


"Well well well. - $AMD + 7.7% - $ZETA + 3.3% - $PGY + 8.35% - $NBIS + 14.9% Damnit. Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned. Best long-term opportunities in the market right now in my opinion: - $AMD - $ZETA - $PGY - $NBIS I may consolidate some positions and double down on my highest conviction plays. Stay tuned"  
[X Link](https://x.com/trevhesinvests/status/2019810690765373607)  2026-02-06T16:29Z [---] followers, [----] engagements


"I've been seeing a lot of questions about $PGY's balance sheet specifically the debt it holds. I think that most of the confusion comes from treating all liabilities as the same thing and they aren't. I'll try to simplify it below👇 1) Secured borrowing ($132M) - This is working capital tied to loan inventory. Its collateralized by the loans themselves rises with originations and falls when loans are securitized or sold. It turns over constantly and isnt permanent leverage 2) Exchangeable notes ($148M) - This is structural corporate debt. Its long-dated doesnt fluctuate with loan volume and"  
[X Link](https://x.com/trevhesinvests/status/2019852458978418883)  2026-02-06T19:15Z [---] followers, [----] engagements


"Sort of yes. They're obligated to retain 2-5% of every loan the originate although they don't have to retain ANY risk for their Forward-flow agreements. It is also the most risky tranche that absorbs credit losses first this structure is demanded by institutions for a few reasons: [--]. If $PGY keeps first-loss exposure they are financially motivated to maintain underwriting quality control risk and avoid pushing bad loans just to grow. [--]. Institutions are buying risk-adjusted yield not just raw credit risk so when $PGY eats the first loss it helps align incentives across the entire structure."  
[X Link](https://x.com/trevhesinvests/status/2019992045125775390)  2026-02-07T04:30Z [---] followers, [--] engagements


"@ClothoPrime @DivGuru LFG. I love to hear that it seems to me like they've reached an inflection point in their business model + the underwriting capabilities and it's truly starting to come through in the numbers + the amount of lenders they're partnering with. Long $PGY"  
[X Link](https://x.com/trevhesinvests/status/2019993446422048922)  2026-02-07T04:35Z [---] followers, [---] engagements


"I'm reposting this because it's one of the most important $PGY data points heading into earnings Monday. Over the past year credit quality improved dramatically while volume scaled efficiently. Thats a real inflection driven by underwriting discipline and model improvement not just mix or timing. This gets to the core of $PGY's business model: scaling originations while protecting institutional capital. $PGY reports their Q4 [----] earnings on Monday Feb 9th before the market opens. The most important change in $PGY's business right now isnt growth its credit quality: Yes the portfolio grew 14%"  
[X Link](https://x.com/trevhesinvests/status/2020112811876405339)  2026-02-07T12:30Z [---] followers, [----] engagements


"The reason $PGY can scale is its structure not its leverage: The 2-5% first-loss risk $PGY retains is not a negative it's required for institutional capital. That retained slice absorbs losses first by design and forces strong underwriting discipline. Institutions want steady returns with controlled risk not exposure to loan defaults. Rating agencies expect this structure as well: without subordination deals do not get rated. Without ratings institutional capital does not show up. This is not unique to $PGY this is how the ABS market works overall. What matters now is execution. Credit"  
[X Link](https://x.com/trevhesinvests/status/2020120365800849896)  2026-02-07T13:00Z [---] followers, [----] engagements


"This is MASSIVE for $ZETA: When the big [--] ad platforms - $GOOGL $AMZN $META - are doing $530B+ in annual revenue the key issue is no longer demand; its efficiency As ad budgets scale brands care more about ROI measurement and first-party data than raw reach $ZETA doesnt compete with Google or Meta; it helps advertisers decide where their dollars actually work across platforms As marketing shifts toward performance and data $ZETA benefits. That trend is already showing up in the growth Looking forward to Q4 earnings on Feb 25' The Big [--] Ad Platforms now generate $530B in annual revenue."  
[X Link](https://x.com/trevhesinvests/status/2020235141944107023)  2026-02-07T20:36Z [---] followers, [----] engagements


"Ad growth re-accelerating at Google Amazon and Meta shows brands are confident enough to spend again. This environment favours platforms that help advertisers do more with existing customers not just buy more impressions Cough cough * $ZETA * cough cough As spend ramps brands focus on retention personalization and first-party data. Those priorities directly support $ZETA's model Expecting an 18th consecutive quarter of beats and raises LFG @dsteinberg10000 $GOOGL search re-accelerated $AMZN advertising ALSO re-accelerated $META re-accelerated AND guided for 30% growth in Q1 Soo. $ZETA's gonna"  
[X Link](https://x.com/trevhesinvests/status/2020238111809409240)  2026-02-07T20:47Z [---] followers, [---] engagements


"@LongGameEquity The relationship between the [--] isnt exactly direct but its broadly correct. Its a tailwind for sure"  
[X Link](https://x.com/trevhesinvests/status/2020306684225417578)  2026-02-08T01:20Z [---] followers, [--] engagements


"Yes $PGY is absolutely a bargain. What Pagaya is not is an AI Lender. They arent a lender like $UPST they only hold 2-2.5% of the total loan volume they originate. They act as a middle man between lenders + institutions and consumers utilizing their AI ML underwriting infrastructure to help lenders originate more loans to second-hand consumers that were originally denied. Capital-light business model with strong operating leverage [--] consecutive GAAP profitable quarters (about to be 4) & trading with valuations on the floor. Long $PGY https://twitter.com/i/web/status/2020647666653298945"  
[X Link](https://x.com/trevhesinvests/status/2020647666653298945)  2026-02-08T23:55Z [---] followers, [----] engagements


"Lender is definitely not the most appropriate one-word description of their business they don't use their own BS to fund loans they don't retain most of the credit risk and they don't act like a bank. "Platform" "Originator" or even "AI credit platform" are much better and truer alternatives. I'm not going to argue with you over [--] word but calling $PGY a lender is simply incorrect. Cheers Ray https://twitter.com/i/web/status/2020691821572059193 https://twitter.com/i/web/status/2020691821572059193"  
[X Link](https://x.com/trevhesinvests/status/2020691821572059193)  2026-02-09T02:50Z [---] followers, [---] engagements


"Still looking into the numbers. Disappointed with revenue growth & they missed on a few other metrics. However we've hit [--] consecutive GAAP profitable quarters with $81M of NI in 25' vs ($401M) of Net Loss in 24' Interested in hearing what mgmt has to say about the growth and the meh guide they gave. Stay tuned https://twitter.com/i/web/status/2020838642843877487 https://twitter.com/i/web/status/2020838642843877487"  
[X Link](https://x.com/trevhesinvests/status/2020838642843877487)  2026-02-09T12:34Z [---] followers, [---] engagements


"I'll make a post about it in a couple of minutes. I hopped in and I'll be down on my shares for now but I didn't go heavy with this scenario in mind I have some cash stored that I'll likely invest today depending on what mgmt says. Disappointed in revenue but [--] consecutive Q's of NI is good need to dive into the numbers more"  
[X Link](https://x.com/trevhesinvests/status/2020839241710752126)  2026-02-09T12:36Z [---] followers, [---] engagements


"@valuephilosphy @lngtermcapital I completely agree that's essentially what I'm seeing as well. More focused on profitable growth and taking less risk rather than revenue growth at all costs"  
[X Link](https://x.com/trevhesinvests/status/2020844396535853146)  2026-02-09T12:57Z [---] followers, [--] engagements


"@BeleggerBas Not necessarily mgmt is being cautious about the macro uncertainty with their guide. Revenue growth was disappointing but [--] consecutive quarters of GAAP net income wasn't"  
[X Link](https://x.com/trevhesinvests/status/2020877941865906506)  2026-02-09T15:10Z [---] followers, [--] engagements


"@GrowthThesis Agreed Maybe $PLTR $ZETA could potentially be one as well. Both have net retention rates over 100% I own both"  
[X Link](https://x.com/trevhesinvests/status/2021242958662545497)  2026-02-10T15:20Z [---] followers, [---] engagements


"Meh not really $PGY already focuses mainly on second-look consumers. Their AI underwriting capabilities are becoming better and better at figuring out who's risky ad who isn't. With that being said I think it's highly unlikely that this 10% cap goes through. It was supposed to go through on Jan 20th and is currently stalled we'll see. https://twitter.com/i/web/status/2021247070418428165 https://twitter.com/i/web/status/2021247070418428165"  
[X Link](https://x.com/trevhesinvests/status/2021247070418428165)  2026-02-10T15:37Z [---] followers, [---] engagements


"@EndicottInvests $NBIS yes merch. not yet"  
[X Link](https://x.com/trevhesinvests/status/2021253207012376925)  2026-02-10T16:01Z [---] followers, [--] engagements


"@kkkdhoo @GrowthThesis NRR yes but I couldn't find CRR for $ZETA"  
[X Link](https://x.com/trevhesinvests/status/2021253513351704595)  2026-02-10T16:02Z [---] followers, [--] engagements


"@EndicottInvests Hahahah. Long morning for me cut me some slack. is there a recording"  
[X Link](https://x.com/trevhesinvests/status/2021259116228891045)  2026-02-10T16:25Z [---] followers, [--] engagements


"You make some great points here Atticus let me give you my take. You're right on the first part low income customers are struggling financially and loan delinquency rates are moving higher overall. However the opposite is happening with $PGY's credit defaults. On a YoY basis credit-related fair value losses declined by 74.4%. As a % of their investment portfolio it declined by 76% to only 2.3% of their investment portfolio. As a % of total loan issuance it declined by 80.4% to only 1.1% of total loan issuance. So $PGY's losses are improving dramatically and you can see that in the net income."  
[X Link](https://x.com/trevhesinvests/status/2021311430582993329)  2026-02-10T19:52Z [---] followers, [---] engagements


"@Dubbiosismo @galkrubiner It's. beautiful"  
[X Link](https://x.com/trevhesinvests/status/2021312509349671278)  2026-02-10T19:57Z [---] followers, [--] engagements


"@Investinc_Intel Hahaha rip. I was buying big on $AMD during the first tariff dip with an average cost $115 and I haven't sold any shares. I also don't plan on selling any for a few years"  
[X Link](https://x.com/trevhesinvests/status/2021328970688385181)  2026-02-10T21:02Z [---] followers, [--] engagements


"@Investinc_Intel 110%"  
[X Link](https://x.com/trevhesinvests/status/2021332580529033600)  2026-02-10T21:16Z [---] followers, [--] engagements


"$CHTR (Charter Communications - Spectrum) - 17M subs in 2014-2015 12.2M today (28% decline) - Lost 1.08M Pay-TV subs in [----] - Losses slowed to 285k in [----] The slowdown came largely from bundling Disney+ Hulu Max and others not from a recovery in traditional Pay-TV demand (3/9) https://twitter.com/i/web/status/2017677599728628124 https://twitter.com/i/web/status/2017677599728628124"  
[X Link](https://x.com/trevhesinvests/status/2017677599728628124)  2026-01-31T19:13Z [---] followers, [---] engagements


"Great minds think alike. Look into $CELH. recently acquired Alani & Rockstar these numbers will come through big time in [----] and I expect a lot of growth for the company distribution deal with $PEP seen as the "healthier" alternative to $MNST and the world is moving in that direction. They got hit with a $247M distributor expense that will be FULLY funded by $PEP but they had to recognized it on their income statement. The stock sold off hard and there's a major disconnect between the fundamentals and the price right now. https://twitter.com/i/web/status/2018007369104372030"  
[X Link](https://x.com/trevhesinvests/status/2018007369104372030)  2026-02-01T17:03Z [---] followers, [---] engagements


"@InvestorDenis Im not sure if he did Ill have to look into that Acquiring Alani & Rockstar + Pepsi distribution deal is huge for them. They are the next $MNST and we all know how well that stock performed overtime. I believe its easily $100+ over the next 12-18 months"  
[X Link](https://x.com/trevhesinvests/status/2018636919496921458)  2026-02-03T10:45Z [---] followers, [--] engagements


"Reminder: $PGY trades at 1.2x sales right now. 36% revenue growth in the past quarter with a 81% 5Y CAGR Steal. Deal"  
[X Link](https://x.com/trevhesinvests/status/2020467655270932550)  2026-02-08T12:00Z [---] followers, [----] engagements


"Revenue $335M vs $348M expected (+20% YoY) EPS $0.80 vs $0.69 expected (vs -$0.04 YoY) Stocks down 17.4% pre-market to $15.4 $PGY"  
[X Link](https://x.com/trevhesinvests/status/2020835069859070212)  2026-02-09T12:20Z [---] followers, [----] engagements


"My initial thoughts on the quarter: - Revenue miss is disappointing. It was also on the low end of mgmt guide from Q3 ($335M vs $333-$358M) - FY Revenue growth of 26% - [--] consecutive quarters of GAAP profitability is massive. $81M Net Income in 25' vs -$401M Net loss in 24' - Net Income ARR of $136M - GAAP NI came in on the high end of guidance ($34M vs $25-$35M) - $100-$150M of NI for FY 26' guide (23.4%-85.2% growth vs 25') - FRLPC margin of 4.9% +40bp YoY and high end of guide (4.0-5.0%) -Network volume missed by 5.6% ($2.7B vs $2.86B) - Adj. Ebitda miss of $98M vs $99-$109M mgmt guide"  
[X Link](https://x.com/trevhesinvests/status/2020844015327842804)  2026-02-09T12:55Z [---] followers, [----] engagements


"You can listen to the entire Q4 [----] earnings call with @wealthmatica @EndicottInvests and I below if you missed us live We're live https://t.co/z8BDfGaEeD We're live https://t.co/z8BDfGaEeD"  
[X Link](https://x.com/trevhesinvests/status/2020887010471268771)  2026-02-09T15:46Z [---] followers, [---] engagements


"@GrowthThesis Well said KJ Im buying this dip up heavily"  
[X Link](https://x.com/trevhesinvests/status/2020941122542108898)  2026-02-09T19:21Z [---] followers, [---] engagements


"@lajit6384 @wealthmatica @Leonard55943837 This source notes Feb 24th for Q4 [----] earnings http://marketbeat.com/earnings/reports/2026-2-24-zeta-global-holdings-corp-stock/ http://marketbeat.com/earnings/reports/2026-2-24-zeta-global-holdings-corp-stock/"  
[X Link](https://x.com/trevhesinvests/status/2020960411521253531)  2026-02-09T20:38Z [---] followers, [---] engagements


"@thephiloinvest Are you saying I don't understand things (this is satire)"  
[X Link](https://x.com/trevhesinvests/status/2020980357731058027)  2026-02-09T21:57Z [---] followers, [---] engagements


"This selloff is a major overreaction and $PGY is an incredible opportunity here: - JUST hit [--] consecutive GAAP profitable quarters & marks a reversal from prior year losses - 10% net profit margin in Q4 vs 6% in Q3 - 20% YoY revenue growth & 29% YoY revenue growth for FY 25' - Adj. EBITDA of $371M up 76% YoY - EBITDA margin of 29% up [---] bps YoY This stock trades at a cheaper valuation than $PYPL: - [---] PS - [---] annualized PE - [--] Forward PE - [---] Forward PEG They guided for a MID-POINT of 54% bottom line growth & 8-21% top-line growth. So why did the stock tank [--] reasons: - Missed revenue"  
[X Link](https://x.com/trevhesinvests/status/2021011887920455773)  2026-02-10T00:02Z [---] followers, [----] engagements


"$UPST takes on more risk with more loans on their balance sheet trades at much higher multiples (4x PS & [---] PE) negative FCF rising expenses & more competition. $PGY takes less risk with less loans on their balance sheet trades at much lower valuations (.9 PS [---] PE & [--] Forward PE [---] PEG) Inflecting FCF [--] consecutive quarters of GAAP net income declining expenses & stronger moat with essentially no competition. nobody does exactly what $PGY does. https://twitter.com/i/web/status/2021245661560049927 https://twitter.com/i/web/status/2021245661560049927"  
[X Link](https://x.com/trevhesinvests/status/2021245661560049927)  2026-02-10T15:31Z [---] followers, [---] engagements


"@Investinc_Intel Yessir"  
[X Link](https://x.com/trevhesinvests/status/2021296086069981676)  2026-02-10T18:51Z [---] followers, [--] engagements


"@sven14440 Great point Niclas you're correct. Rising delinquencies increases the need for better underwriting. $PGY is ahead of the game"  
[X Link](https://x.com/trevhesinvests/status/2021313690943844639)  2026-02-10T20:01Z [---] followers, [---] engagements


"@LPM1985 Yessir me as well Going to be a rocky road but I have faith in the long-term vision"  
[X Link](https://x.com/trevhesinvests/status/2021664336587223441)  2026-02-11T19:15Z [---] followers, [--] engagements


"@HalloranHolding Well said Mikey $ADBE has been a beaten down dog the past 5Y"  
[X Link](https://x.com/trevhesinvests/status/2021743834326082004)  2026-02-12T00:31Z [---] followers, [--] engagements


"Here's why I'm a buyer of $PGY after their Q4 [----] earnings call & a 20% sell-off - Trades at 0.8x sales - Annualized PE of [---] - Forward PE of [--] - Forward PEG of 0.3-0.6 - [--] consecutive quarters of GAAP Net Income Guided for 54% Net Income growth (mid-point) for FY 26'. $PGY lowered its' revenue guidance (which is why the stock took a hit) but they're intentionally de-risking the business & focusing on long-term profitable growth rather than short-term growth at all costs. Expecting 7-8 new partners/lenders onboarded by Q2 ALONE (They onboarded [--] in FY 25') that's a double up in partners"  
[X Link](https://x.com/trevhesinvests/status/2020902145499775186)  2026-02-09T16:46Z [---] followers, [----] engagements


"A lot of people misunderstand $PGY Its not competing with banks its embedded inside of them. Heres $PGY CEO Gal Krubiner explaining it:"  
[X Link](https://x.com/trevhesinvests/status/2021269279413309609)  2026-02-10T17:05Z [---] followers, [----] engagements


"$ZETA operating cash flow continues to compound. Over time the stock price will follow This pullback is part of a sector-wide selloff not a breakdown in the business Long $ZETA"  
[X Link](https://x.com/trevhesinvests/status/2021290452377620520)  2026-02-10T18:29Z [---] followers, [----] engagements


"Opportunity $SPGI"  
[X Link](https://x.com/trevhesinvests/status/2021296052221903050)  2026-02-10T18:51Z [---] followers, [---] engagements


"$PGY vs $UPST: Revenue: - $1.26B vs $1.04B Net Income: - $81M vs $53.6M EBITDA: - $81.7M vs $72.9M EPS: - $0.89 vs $0.43 FCF: - $224.72M vs -$373M Expenses: - $256M vs $733M SBC: - $45M vs $99.5M Yet $PGY has a $1B Market cap & $UPST has a market cap of $3.3B Something doesn't add up here. https://twitter.com/i/web/status/2021636150071345187 https://twitter.com/i/web/status/2021636150071345187"  
[X Link](https://x.com/trevhesinvests/status/2021636150071345187)  2026-02-11T17:23Z [---] followers, 16K engagements


"$PGY is sub $13. I repeat $PGY is SUB $13 Q4 conference call made me much more confident in management's long-term outlook risk management and focus on profitable growth. This company is WIDELY misunderstood right now and it's being priced like it's going bankrupt. Long $PGY https://twitter.com/i/web/status/2021636954912170216 https://twitter.com/i/web/status/2021636954912170216"  
[X Link](https://x.com/trevhesinvests/status/2021636954912170216)  2026-02-11T17:26Z [---] followers, [----] engagements


"@DCLERCQ97 Partner onboarding (# of lenders/institutions and WHO they are) continued GAAP Net Income growth continued double digit revenue growth continuation of managing defaults and credit-related fair value losses etc"  
[X Link](https://x.com/trevhesinvests/status/2021666399228506284)  2026-02-11T19:23Z [---] followers, [---] engagements


"@jarad1821 True. $UPST grew revenues at 64% in FY 25' vs 26% for $PGY. I'm not denying that $UPST isn't growing at a rapid pace I'm advocating for the fact that $PGY shouldn't be valued as low as it is"  
[X Link](https://x.com/trevhesinvests/status/2021732474020409387)  2026-02-11T23:45Z [---] followers, [---] engagements


"@RaviDhaliw You think $UPST is one of America's finest companies😂"  
[X Link](https://x.com/trevhesinvests/status/2021734690399355345)  2026-02-11T23:54Z [---] followers, [---] engagements


"$PGY has [--] analysts that cover the stock: Buys: [--] Holds: [--] Sells: [--] 12M Target Price = $28.60 Return Potential = 122.2% from today's price I'm a buyer"  
[X Link](https://x.com/trevhesinvests/status/2021745779639996546)  2026-02-12T00:38Z [---] followers, [----] engagements


"@amitisinvesting Pershing Square Capital Management (Ackman's hedge fund) invested 10% of it's capital or $2 Billion into $META. Stock = no reaction"  
[X Link](https://x.com/trevhesinvests/status/2021781842999886029)  2026-02-12T03:02Z [---] followers, [---] engagements


"Bill Ackman has taken a 10% stake in $META This is great news for all $META shareholders I have been buying this one since $100 and I added more last week🤝 BILL ACKMAN REVEALS NEW $META POSITION https://t.co/qU9tb6oIex BILL ACKMAN REVEALS NEW $META POSITION https://t.co/qU9tb6oIex"  
[X Link](https://x.com/trevhesinvests/status/2021913424318587160)  2026-02-12T11:45Z [---] followers, [---] engagements


"Meta's operating cash flow per share +29% LTM The stock is 15% below ATH's and trades at 22x earnings The fundamentals are ahead of the sentiment $META"  
[X Link](https://x.com/trevhesinvests/status/2021915940686868515)  2026-02-12T11:55Z [---] followers, [---] engagements


"Microsoft just grew net income 24% and Azure 39% YoY yet the stock trades around [----] valuation levels. The business is meaningfully larger but the multiple isnt I'm interested in this one. $MSFT Microsoft reported Net Income growth of +24% YoY and Azure Cloud growth of +39% YoY. Meanwhile the stock trades at [----] valuations. Interesting. $MSFT https://t.co/KpRbp7hTWa Microsoft reported Net Income growth of +24% YoY and Azure Cloud growth of +39% YoY. Meanwhile the stock trades at [----] valuations. Interesting. $MSFT https://t.co/KpRbp7hTWa"  
[X Link](https://x.com/trevhesinvests/status/2021917201545277739)  2026-02-12T12:00Z [---] followers, [---] engagements


"U.S. Pay-TV Provider Rankings (Feb [--] 2026) [--]. $CHTR Charter (Spectrum): 12.6M [--]. $CMCSA Comcast (Xfinity): 11.3M [--]. $GOOGL YouTube TV: 10.0M [--]. DirecTV (Satellite & Stream): 8.8M [--]. $FUBO / $DIS Fubo TV & Hulu + Live TV: 6.0M [--]. $DISH DISH Network (Satellite & Sling): 5.1M Before the Hulu + Live TV merger $FUBO ranked #11 Today the combined entity is a top-5 Pay-TV provider and the #2 streaming-only platform behind YouTube TV Scale matters in this industry https://twitter.com/i/web/status/2018034787064172732 https://twitter.com/i/web/status/2018034787064172732"  
[X Link](https://x.com/trevhesinvests/status/2018034787064172732)  2026-02-01T18:52Z [---] followers, [----] engagements


"Alright guys Ive been teasing something behind the scenes the past few days and I can FINALLY share it today: Over the past week Ive been working on a deep dive on $FUBO and it was just published and featured on @YahooFinance This feels incredibly surreal. Ive spent years learning how to analyze businesses writing through my thoughts publicly and refining how I think about markets so seeing my work highlighted on a platform like Yahoo Finance is something Im extremely grateful for. Im proud of the work that went into this report and excited to see what comes next. I'll drop the link below for"  
[X Link](https://x.com/trevhesinvests/status/2018381439046242334)  2026-02-02T17:50Z [---] followers, 15.8K engagements


"$FUBO Q1 [----] Earnings - Let's lay it all out. Pros: - 40% YoY Revenue growth to $1.549B; pro forma growth of 6% - Net loss narrowed to -$19.1M vs -$38.6M YoY - Pro-forma adj. EBITDA rose to $41.4M from $22M YoY - Adj. EBITDA margin expanded to 2.5% from 1.4% - Cash position grew to $458.6M & reduced debt to $320M - Ad migration into Disney Ad Server improving monetization potential Cons: - ZERO guidance - NA subs declined to 6.2M from 6.3M YoY RoW subs declined to [------] from [------] YoY - Ad revenue fell 4% YoY to $123.5M pro-forma - No NBC dispute news Mixed: - 8-to-1 to 12-to-1 stock split"  
[X Link](https://x.com/trevhesinvests/status/2018734255807881637)  2026-02-03T17:12Z [---] followers, [----] engagements


"Q3 marked our 28th consecutive quarter of net sales growth. $ELF is [--] of just [--] public consumer companies (out of 546) with [--] straight quarters and 20%+ avg growth 38% YoY Net Sales growth & 79% YoY Adj. EBITDA growth FY 26' outlook was raised as well What. A. Company"  
[X Link](https://x.com/trevhesinvests/status/2019170320817746027)  2026-02-04T22:04Z [---] followers, [----] engagements


"Spent some time digging deeper into the $ELF numbers & the context matters: Rhode contributed $128M about 36% of FY growth. Ex-Rhode the core business grew by 2% & is guiding to roughly 2% organic growth in FY26 driven by temporary softness in the UK and Germany as they lap large prior-year launches and face a weaker consumer. Rhode is now 33% of revenue and growing at a 70% annualized run rate which supports the 2223% guide for total company growth for the year. The growth mix explains the short-term noise but the long-term picture is intact."  
[X Link](https://x.com/trevhesinvests/status/2019429810095653023)  2026-02-05T15:16Z [---] followers, [----] engagements


"$PGY announces ANOTHER ABS deal this time worth $387M: These consumer loans were bundled review by KBRA (credit rating agency) & prepared for institutional investors. The deal is split into [--] different tranches allowing different types of institutional investors to buy based on their risk tolerance. As always 95%+ of the loans are distributed to institutions while the remaining 2-5% are held on Pagaya's balance sheet for a few weeks to a couple of months. $PGY recycles the proceeds to fund new loan originations. This is how it scales loan volume maintains liquidity and limits balance sheet"  
[X Link](https://x.com/trevhesinvests/status/2019742879116079311)  2026-02-06T12:00Z [---] followers, [----] engagements


"🚨 BREAKING NEWS 🚨 Jefferies reiterates a Buy rating on Pagaya Tech - $PGY - stock with $35 target following the company's Q4 [----] earnings report"  
[X Link](https://x.com/trevhesinvests/status/2020897248045883537)  2026-02-09T16:27Z [---] followers, [----] engagements


"This $PGY selloff is a major overreaction in my opinion here's why: The company just posted [--] straight GAAP-profitable quarters with net margins expanding to 10% in Q4 from 6% in Q3. Revenue grew 20% YoY in Q4 and 29% for FY [--] while adj. EBITDA hit $371M up 76% YoY with margins expanding [---] bps to 29% Despite that $PGY now trades at 0.9x sales 4.4x annualized P/E 6x forward P/E and a 0.5x forward PEG. cheaper than $PYPL (PAINPAL) while fundamentals are improving dramatically According to the fundamentals Pagaya's business has reached an inflection point and I believe this is only the"  
[X Link](https://x.com/trevhesinvests/status/2021189907042140290)  2026-02-10T11:50Z [---] followers, [----] engagements


"The company is delivering on its mission to be the connectivity tissue between the needs of mainstream and the capital of wall street to be able to enable many more consumers" - CEO Gal Krubiner on Q4 earnings $PGY"  
[X Link](https://x.com/anyuser/status/2021275274361340336)  2026-02-10T17:29Z [---] followers, [----] engagements


"This isn't good for $PGY and the entire economy. Looks like the stress is concentrated among younger and lower-income borrowers Stay tuned"  
[X Link](https://x.com/trevhesinvests/status/2021312101759750263)  2026-02-10T19:55Z [---] followers, [----] engagements


"Shout out @Dubbiosismo for making me aware of this"  
[X Link](https://x.com/trevhesinvests/status/2021312358996381882)  2026-02-10T19:56Z [---] followers, [---] engagements


"This is the moat: Neutral platform + cross-lender data + investor trust + capital markets access AI is just the tool. See below Shoutout @MakingPetsound for this great comment @trevhesinvests @galkrubiner The PGY Structural Moats The "Switzerland" Moat (Competitor Trust) The Problem: Banking is a zero-sum game. A bank cannot be a platform for its rivals. Reality: JPMorgan will never share proprietary customer data with an AI model owned by Bank of America. Its strategic @trevhesinvests @galkrubiner The PGY Structural Moats The "Switzerland" Moat (Competitor Trust) The Problem: Banking is a"  
[X Link](https://x.com/trevhesinvests/status/2021344087220404563)  2026-02-10T22:02Z [---] followers, [----] engagements


"What happened with $UPST stock after-hours Let me know your thoughts on the quarter below"  
[X Link](https://x.com/anyuser/status/2021365773885952448)  2026-02-10T23:28Z [---] followers, [----] engagements


"We see a variety of different data that is allowing us to be much more accurate on our ability to price the price and provide loans to people that otherwise wouldve been overlooked but actually have very strong financial capabilities $PGY provides VALUE towards its partners while being able to minimize risk Thats why Pagaya expects to onboard 7-8 new partners in H1 [--] a double up from FY [--] and in half the time"  
[X Link](https://x.com/trevhesinvests/status/2021369369284980771)  2026-02-10T23:43Z [---] followers, [----] engagements


"@wealthmatica LETS GO"  
[X Link](https://x.com/trevhesinvests/status/2021626391263912391)  2026-02-11T16:44Z [---] followers, [---] engagements


"I am new to this name correct. However the underlying business is starting to proven that it is built for continuous growth. That's the risk we're taking with investing into this name right now. If the growth continues & the fundamentals continue to compound the way they have in the LTM then we will look back in 3-5 years from now with a boat load of cash. They are suppressing volume higher-risk credit segments to be specific intentionally because of the "changes in risk appetite that we observed across multiple lending partner of ours in light of market uncertainty". Obviously it's not ideal"  
[X Link](https://x.com/trevhesinvests/status/2021729558391599174)  2026-02-11T23:34Z [---] followers, [--] engagements


"@weary_centurion The biggest reason as to why $UPST trades at such a premium is the faster revenue growth. I don't necessarily believe that $PGY should trade at a higher multiple than $UPST but I do believe that's it's INCREDIBLY undervalued & should trade at similar levels to $UPST"  
[X Link](https://x.com/trevhesinvests/status/2021739647819555211)  2026-02-12T00:14Z [---] followers, [---] engagements


"@QualityInvest5 $ADBE is becoming more and more attractive it's getting quite silly to be honest"  
[X Link](https://x.com/trevhesinvests/status/2021782175083864484)  2026-02-12T03:03Z [---] followers, [---] engagements


"Grab Holdings under $4 looks like an asymmetric bet Are you buying after earnings $GRAB $GRAB -6% after hours after slight mishaps with earnings Personally sold out of it last month but I still love the name long term its gonna take some catalysts to get this one going again. If youve been to South Asia you know exactly why this is a sleeping giant. https://t.co/UDIrzqSz8P $GRAB -6% after hours after slight mishaps with earnings Personally sold out of it last month but I still love the name long term its gonna take some catalysts to get this one going again. If youve been to South Asia you"  
[X Link](https://x.com/trevhesinvests/status/2021920974464287229)  2026-02-12T12:15Z [---] followers, [---] engagements

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