# ![@victaurs Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1818202976219217920.png) @victaurs Victaurs

Victaurs posts on X about fintech, $pypl, ai, $stne the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1818202976219217920/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:interactions.svg)

- [--] Week [------] -16%
- [--] Month [-------] +90%
- [--] Months [---------] -50%
- [--] Year [---------] +562%

### Mentions: [--] [#](/creator/twitter::1818202976219217920/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:posts_active.svg)

- [--] Week [--] -8.30%
- [--] Month [---] +72%
- [--] Months [---] +22%
- [--] Year [-----] +396%

### Followers: [-----] [#](/creator/twitter::1818202976219217920/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:followers.svg)

- [--] Week [-----] +0.06%
- [--] Month [-----] +1.20%
- [--] Months [-----] +18%
- [--] Year [-----] +167%

### CreatorRank: [---------] [#](/creator/twitter::1818202976219217920/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  46.46% [finance](/list/finance)  37.01% [technology brands](/list/technology-brands)  17.32% [countries](/list/countries)  7.09% [financial services](/list/financial-services)  4.72% [cryptocurrencies](/list/cryptocurrencies)  3.94% [social networks](/list/social-networks)  2.36%

**Social topic influence**
[fintech](/topic/fintech) #693, [$pypl](/topic/$pypl) 6.3%, [ai](/topic/ai) 5.51%, [$stne](/topic/$stne) 5.51%, [strong](/topic/strong) 4.72%, [business](/topic/business) 4.72%, [$ozk](/topic/$ozk) 4.72%, [$nu](/topic/$nu) 3.94%, [$fcnca](/topic/$fcnca) 3.94%, [$bpop](/topic/$bpop) 3.94%

**Top accounts mentioned or mentioned by**
[@william_r2rclub](/creator/undefined) [@gunjanjs](/creator/undefined) [@kobeissiletter](/creator/undefined) [@zerohedge](/creator/undefined) [@hussainresearch](/creator/undefined) [@somerealthought](/creator/undefined) [@timyanbankalert](/creator/undefined) [@jimconn52657931](/creator/undefined) [@aprescapital](/creator/undefined) [@aureliusltd28](/creator/undefined) [@rosyprosperity](/creator/undefined) [@alphatalon2025](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [Bank OZK (OZK)](/topic/$ozk) [NuCypher (NU)](/topic/$nu) [First Citizens BancShares, Inc. (FCNCA)](/topic/$fcnca) [Popular Inc (BPOP)](/topic/$bpop) [PagSeguro Digital Ltd. (PAGS)](/topic/$pags) [Walrus (WAL)](/topic/$wal) [Apollo Global Management, Inc. (APO)](/topic/$apo) [Global Payments Inc (GPN)](/topic/$gpn) [loanDepot, Inc. (LDI)](/topic/$ldi) [Klarna Group plc (KLAR)](/topic/$klar) [Ares Management, Corp. (ARES)](/topic/$ares) [KKR & Co, Inc. (KKR)](/topic/$kkr) [CUSTOMERS BANCORP INC (CUBI)](/topic/$cubi) [Rocket Companies, Inc. (RKT)](/topic/$rkt) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [Shopify Inc (SHOP)](/topic/$shop) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [First Hawaiian, Inc. Common Stock (FHB)](/topic/$fhb) [Flagstar Financial, Inc. (FLG)](/topic/$flg) [Blue Owl Capital, Inc. (OWL)](/topic/$owl) [Ares Capital, Corp. (ARCC)](/topic/$arcc) [The Bancorp Inc. (TBBK)](/topic/$tbbk) [Treehouse (TREE)](/topic/$tree) [Figure Technology Solutions, Inc. (FIGR)](/topic/$figr) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Advanced Micro Devices (AMD)](/topic/$amd) [Broadcom, Inc. (AVGO)](/topic/$avgo) [Salesforce Inc (CRM)](/topic/$crm) [Atlassian Corporation PLC (TEAM)](/topic/$team) [Adobe, Inc. (ADBE)](/topic/$adbe) [Now Coin (NOW)](/topic/$now)
### Top Social Posts
Top posts by engagements in the last [--] hours

"This is the trade on the table. $APO $ARES $OWL All of these "capital management" firms involved heavily in AI & data center loans like $OWL $ARCC and $KKR begin reporting earnings tomorrow. That could be why the market is getting spooked and also explains why liquidity has suddenly dried up for $NVDA's circular financing. https://t.co/k0myJbQ4s9 All of these "capital management" firms involved heavily in AI & data center loans like $OWL $ARCC and $KKR begin reporting earnings tomorrow. That could be why the market is getting spooked and also explains why liquidity has suddenly dried up for"  
[X Link](https://x.com/victaurs/status/2019065774292263229)  2026-02-04T15:09Z [----] followers, [---] engagements


"In November I wrote that $EWZ $NU & $STNE were technically strong even with a rising dollar. Most people ignored it. $EWZ has returned about 50% over the last year and still trades around 10.5x earnings with a 4.45.0% dividend yield. People love paying 25x for quality. Then they see $EWZ at 10.5x and call it scary. Same investors. Different passport. Are you buying comfort or price https://t.co/AmRcZbDPmh People love paying 25x for quality. Then they see $EWZ at 10.5x and call it scary. Same investors. Different passport. Are you buying comfort or price https://t.co/AmRcZbDPmh"  
[X Link](https://x.com/victaurs/status/2022369031269810658)  2026-02-13T17:55Z [----] followers, [----] engagements


"People love paying 25x for quality. Then they see $EWZ at 10.5x and call it scary. Same investors. Different passport. Are you buying comfort or price"  
[X Link](https://x.com/victaurs/status/2022360079622906030)  2026-02-13T17:19Z [----] followers, [----] engagements


"The full Brazil thesis with bond strategy and scenario work is here: https://www.victaurs.com/p/around-the-horn-on-fins-a-technical https://www.victaurs.com/p/around-the-horn-on-fins-a-technical"  
[X Link](https://x.com/victaurs/status/2022369033643753772)  2026-02-13T17:55Z [----] followers, [----] engagements


"@GunjanJS Calling equities the new risk-free rate is not analysis it is surrender to a bubble"  
[X Link](https://x.com/victaurs/status/1970871853620384195)  2025-09-24T15:24Z [----] followers, [----] engagements


"Goldman sees Jefferies exposure at $45M just 5% of projected [----] earnings. The market priced it like a solvency event. That is the spread between fear and fact"  
[X Link](https://x.com/victaurs/status/1978924334082101273)  2025-10-16T20:41Z [----] followers, [----] engagements


"If your upside case on $GPN depends on a flawless multi year integration and 15% EPS growth from synergies that is not a base case that is a wish list. Integration risk plus leverage plus rising competition is not usually the cocktail that earns a 12x multiple"  
[X Link](https://x.com/victaurs/status/1997345134418206831)  2025-12-06T16:39Z [----] followers, [---] engagements


"Every value trap I have ever owned started with the same line in my notes. Market is overreacting this is just too cheap. Cheap only matters if the business can still take share grow earnings or earn a rerate. With $GPN you are mostly underwriting survival in a crowded low margin lane. https://t.co/ukz2cRjaKK https://t.co/ukz2cRjaKK"  
[X Link](https://x.com/victaurs/status/1997388397242167797)  2025-12-06T19:31Z [----] followers, [----] engagements


"Leverage is not evil. It just magnifies whatever story you are already living. In the Worldpay era $GPN gives you a levered bet on a massive integration going well in a brutally competitive market. If that is the hill you choose to climb size it like one"  
[X Link](https://x.com/victaurs/status/1997693834915184691)  2025-12-07T15:45Z [----] followers, [---] engagements


"Some of the most interesting names right now live in the everyones nervous bucket. Think $WAL $CUBI $TBBK $OZK $MBIN $FFBB Real TBVPS growth real hair real debate. If you had to build a basket of 3-5 ugly compounders in banks which tickers would you pick and why"  
[X Link](https://x.com/victaurs/status/1998121561757556944)  2025-12-08T20:04Z [----] followers, [----] engagements


"$LDI is ripping insiders are selling and analysts are still cutting targets. That's not a contradiction. It's a signal. Mortgage stocks don't move on fundamentals first. They move on rates expectations. 🧵"  
[X Link](https://x.com/victaurs/status/2014396079647633670)  2026-01-22T17:53Z [----] followers, [---] engagements


"2/4 loanDepot is a high-beta expression of one thing: long rates drifting lower. When that narrative heats up the weakest balance sheets move fastest. Thats why $LDI $TREE $FIGR & $BLNE all light up together"  
[X Link](https://x.com/victaurs/status/2014396082785071490)  2026-01-22T17:53Z [----] followers, [---] engagements


"3/4 But price moves dont tell you whats already priced in. At the center of this trade sits $RKT. Not because its cleaner but because its where expectations are clearest. At $23 Rocket isnt a rates-down bet. Its a bet that the next leg is still ahead"  
[X Link](https://x.com/victaurs/status/2014396085368750463)  2026-01-22T17:53Z [----] followers, [---] engagements


"I broke down what $23 RKT is already discounting what mortgage volume that implies and why the payoff curve is tightening from here. If youre watching $LDI you need this context. Read it here: 🔗 https://www.victaurs.com/p/what-is-23-rocket-rkt-is-pricing https://www.victaurs.com/p/what-is-23-rocket-rkt-is-pricing"  
[X Link](https://x.com/victaurs/status/2014396087566504334)  2026-01-22T17:53Z [----] followers, [----] engagements


"1/9 $CRCL is no longer trading on hype or headlines. Its trading on policy rates and execution risk. Thats why the stock keeps bleeding even as stablecoin infrastructure screens well on paper. Heres what the market is actually pricing instead. 🧵"  
[X Link](https://x.com/victaurs/status/2018423184568058167)  2026-02-02T20:36Z [----] followers, [----] engagements


"Last year we wrote about Klarnas path from a $45B peak to a $14B reality and why scale without margin is not a moat. https://www.victaurs.com/p/straight-outta-sweden-klarnas-45b https://www.victaurs.com/p/straight-outta-sweden-klarnas-45b"  
[X Link](https://x.com/victaurs/status/2019053219704426957)  2026-02-04T14:19Z [----] followers, [---] engagements


"1/3 $UBER Q4 reaction is a reminder of how markets actually work. Strong revenue. Strong bookings. Softer EPS guidance. Stock sells off anyway. This isnt about good or bad earnings. Its about expectations positioning and what investors thought they already owned.🧵 $UBER Q4'25 EARNINGS HIGHLIGHTS 🔹 Revenue: $14.37B (Est. $14.32B) 🟢; +20% YoY 🔹 Adj. EPS: $0.71 (Est. $0.79) 🔴; +27% YoY 🔹 Gross Bookings: $54.14B (Est. $53B) 🟢; +22% YoY 🔹 Trips: 3.80B; +22% YoY Q1'26 Guide: 🔹 Adj. EBITDA: $2.37B$2.47B (Est. $2.45B) 🟢 🔹 Gross https://t.co/o0S2aADACV $UBER Q4'25 EARNINGS HIGHLIGHTS 🔹"  
[X Link](https://x.com/victaurs/status/2019088141290791081)  2026-02-04T16:38Z [----] followers, [----] engagements


"Software tape is splitting in two. $AMD and $AVGO are down single digits still treated like AI plumbing. The application layer is getting repriced like its optional. $CRM $ADBE $NOW $MNDY $ASAN $TEAM are sitting in 45%90% drawdowns. Not because the products stopped working. Because the business model is being questioned. Seat-based saas assumes more headcount more seats higher ARR. AI agents assume the opposite. Fewer seats more automation more custom workflows. Thats the mechanism behind the get me out selling. And heres the weird part: the deeper the drawdown the bigger the Streets"  
[X Link](https://x.com/victaurs/status/2019116634128994509)  2026-02-04T18:31Z [----] followers, [----] engagements


"1/2 PayPal $PYPL down [--] days in a row is the part everyone sees. What most people miss is what this selloff is actually about. Its not payments are broken. Its that the market is done paying for vague turnarounds + consumer-heavy stories. While $PYPL bleeds some payment businesses are quietly doing the opposite. Growing revenue. Expanding margins. Hitting the numbers they said they would. 🧵 PayPal $PYPL has now declined for [--] consecutive trading days its longest losing streak since January [----] 📉📉 https://t.co/oOmgHqNKMj PayPal $PYPL has now declined for [--] consecutive trading days its"  
[X Link](https://x.com/victaurs/status/2019791299885322585)  2026-02-06T15:12Z [----] followers, [----] engagements


"PayPal hitting an RSI around [--] + printing [--] straight red days looks extreme on a chart. But oversold doesnt automatically mean investable. This isnt fear about liquidity or survival. Its a credibility reset. $PYPL is cheap because the market no longer trusts the execution path: - Revenue growth stuck in low single digits - Flat EPS guidance when growth was expected - Second CEO change in two years - Branded checkout still losing relevance - Long-term guidance quietly pulled That turns a low multiple into a high hurdle. You can make money here if a lot goes right. Buybacks help. Venmo keeps"  
[X Link](https://x.com/victaurs/status/2019803275382632893)  2026-02-06T16:00Z [----] followers, [---] engagements


"1/2 Gold above $5000 but conviction is missing. China keeps buying. The dollar is softer. Rate cuts are back in the conversation. And yet price is going nowhere fast. That usually means forces are cancelling each other out not that the move is over. 🧵 BREAKING: Gold officially reclaims $5000/oz and silver rises back into $80/oz. Another wild week is ahead of us. https://t.co/O2yb31wqdN BREAKING: Gold officially reclaims $5000/oz and silver rises back into $80/oz. Another wild week is ahead of us. https://t.co/O2yb31wqdN"  
[X Link](https://x.com/victaurs/status/2020905735723401687)  2026-02-09T17:00Z [----] followers, [---] engagements


"2/2 This chart explains the stalemate. Gold keeps leaning into the 200-hour moving average and getting stuck there. Momentum is still positive RSI is firm but upside follow-through fades every time risk appetite improves. Safe-haven demand is being offset by better equity tone and traders waiting on NFP and CPI. Above this level the path opens. Rejected again and this stays a grind not a breakout. For now gold is being supported not chased. https://twitter.com/i/web/status/2020905739691168214 https://twitter.com/i/web/status/2020905739691168214"  
[X Link](https://x.com/victaurs/status/2020905739691168214)  2026-02-09T17:00Z [----] followers, [---] engagements


"This one on $RIG was correct. Full link to October write-up below"  
[X Link](https://x.com/victaurs/status/2021216705842733370)  2026-02-10T13:36Z [----] followers, [----] engagements


"1/3 Pulled a fintech screener and one thing stands out fast. Most of the space is still stuck in downtrends or heavy resistance. Lots of red. Lots of stalled charts. But Brazil-linked names keep quietly showing up on the right side of the screen. 🧵"  
[X Link](https://x.com/victaurs/status/2021257175700480360)  2026-02-10T16:17Z [----] followers, [----] engagements


"2/3 This is exactly what we flagged last year with $STNE and Brazil more broadly. While US fintech keeps fighting old narratives capital has been rotating into places with cleaner balance sheets buybacks and improving execution. https://www.victaurs.com/p/flows-are-turning-green-in-brazil https://www.victaurs.com/p/flows-are-turning-green-in-brazil"  
[X Link](https://x.com/victaurs/status/2021257178862981352)  2026-02-10T16:17Z [----] followers, [---] engagements


"Gold pulled back in Asia but the bigger picture hasnt changed. Price is still holding above $5K even as risk appetite improves and geopolitical tension cools. That tells you theres no real urgency to sell. This looks more like digestion than distribution"  
[X Link](https://x.com/victaurs/status/2021271635395837960)  2026-02-10T17:14Z [----] followers, [---] engagements


"The floor under gold is still doing the work. Fed rate cuts remain priced into [----] the $ is softening and China just logged its 15th straight month of gold buying. Central banks arent chasing breakouts. Theyre building positions. Momentum has cooled structure hasnt"  
[X Link](https://x.com/victaurs/status/2021271638357016662)  2026-02-10T17:14Z [----] followers, [---] engagements


"At 4.4x sales and still 40% off highs Spotify looks $SPOT Cheap for what it is Fairly priced now A value trap Still too expensive Cheap for what it is Fairly priced now A value trap Still too expensive"  
[X Link](https://x.com/victaurs/status/2021279345738735823)  2026-02-10T17:45Z [----] followers, [---] engagements


"3/7 Zoom out and its even clearer why $PYPL trades like a ghost. This was a $300 stock in [----]. Now its back near the IPO zone. That isnt market hates fintech. Thats the market saying the old PayPal is gone"  
[X Link](https://x.com/victaurs/status/2021305741248712934)  2026-02-10T19:30Z [----] followers, [---] engagements


"4/7 The problem isnt the CEO. Its where the power moved. Payments used to be won at the checkout button. Now its won by whoever owns the platform layer the wallet the rails or the developer default. PayPal is still in the game but its no longer setting the terms"  
[X Link](https://x.com/victaurs/status/2021305744268701756)  2026-02-10T19:30Z [----] followers, [---] engagements


"5/7 Cheap can be a gift. But most of the time its a warning label. $PYPL looks cheap because growth is soft guidance is cautious and the story keeps getting revised. When a company pulls long-term targets and moves to 1-year well see mode the market stops paying up"  
[X Link](https://x.com/victaurs/status/2021305747200442806)  2026-02-10T19:30Z [----] followers, [---] engagements


"6/7 Heres the uncomfortable part: this isnt fintech is dead. Its PayPals edge got competed away. Stripe became the developer default. Shop Pay took the Shopify lane. Apple Pay turned checkout into a button inside the OS. PayPal still has scale. It just doesnt control the moment anymore. https://twitter.com/i/web/status/2021305750480617915 https://twitter.com/i/web/status/2021305750480617915"  
[X Link](https://x.com/victaurs/status/2021305750480617915)  2026-02-10T19:30Z [----] followers, [---] engagements


"7/7 Payments look like a graveyard right now. $PYPL is the cleanest example of cheap for a reason. I wrote up what Im seeing across the group plus the broader watchlist and current holdings: https://www.victaurs.com/p/gratitude-as-an-operating-system https://www.victaurs.com/p/gratitude-as-an-operating-system"  
[X Link](https://x.com/victaurs/status/2021305753013797241)  2026-02-10T19:30Z [----] followers, [---] engagements


"Most plans look good on paper. The real test starts when price moves and nerves kick in youre tempted to just adjust it a little. Thats usually where things go wrong"  
[X Link](https://x.com/victaurs/status/2021601871195201551)  2026-02-11T15:07Z [----] followers, [---] engagements


"2/5 Equity trades around $680M. Mortgage servicing rights carried near $1.6B. Looks like a deep value asset play. It isnt. Theres over $2B of debt ahead of you. This is not cheap. Its leveraged"  
[X Link](https://x.com/victaurs/status/2022011546831065248)  2026-02-12T18:14Z [----] followers, [--] engagements


"Buying banks isnt about picking the fastest horse. Its about buying the horse that doesnt drop dead halfway through the race"  
[X Link](https://x.com/anyuser/status/1909959912538718562)  2025-04-09T13:21Z [----] followers, [----] engagements


"If PayPal were a newly IPOd fintech growing EPS +15% with [--] straight beats and a $6B buyback Would it be trading at [--] Or is the only reason its cheap because people are still mad at 2021"  
[X Link](https://x.com/anyuser/status/1951034625997897908)  2025-07-31T21:37Z [----] followers, [----] engagements


"People call this a credit event. I call it a legal event. Credit risk is when the borrower cannot pay. Legal risk is when three lenders show up at court waving the same invoice. The borrower is fine. The system is not"  
[X Link](https://x.com/anyuser/status/1977088133889245570)  2025-10-11T19:05Z [----] followers, 11.8K engagements


"Bear and Lehman levered 30-36x into mortgage sludge. $JEF runs closer to 8x backed by daily margined trading assets. The comparison is lazy"  
[X Link](https://x.com/anyuser/status/1977751429550153915)  2025-10-13T15:01Z [----] followers, 10.5K engagements


"Quiet fact: a lot of the regionals getting hit hardest are the ones with buyback engines revving $OZK $FCNCA Are there other names where management can play offense here"  
[X Link](https://x.com/anyuser/status/1979930131675107542)  2025-10-19T15:18Z [----] followers, 23.2K engagements


"For the smaller bank nerds I keep circling back to names like $UNTY $PLBC $QCRH $SMBC $OPBK $FBIZ $SFBS Not recommendations just places where the TBVPS trend and the current valuation make me curious. Which under followed banks sit on your radar that almost nobody talks about. Tag a ticker you think deserves a deeper look. https://twitter.com/i/web/status/1998758220916204020 https://twitter.com/i/web/status/1998758220916204020"  
[X Link](https://x.com/victaurs/status/1998758220916204020)  2025-12-10T14:14Z [----] followers, [----] engagements


"I break this down in detail here including the two screens I use to compare fintechs without pretending theyre the same business. How to separate false inflections from real ones. Read the full piece 👇 https://www.victaurs.com/p/beaten-down-fintechs-broken-charts https://www.victaurs.com/p/beaten-down-fintechs-broken-charts"  
[X Link](https://x.com/victaurs/status/2016579094847148235)  2026-01-28T18:28Z [----] followers, [----] engagements


"$KLAR selloff isnt about vibes or fintech fatigue. Its about the market repricing from growth to risk. GMV is accelerating revenue per employee looks strong and AI efficiency is real. But volume alone doesnt fix thin take-rates or lender exposure. When loss-reserve questions and lawsuits surface the story shifts from flywheel to solvency. Public markets dont reward ambition. They reward durable economics. We broke this exact tension down before. The context matters. 👇 https://twitter.com/i/web/status/2019053215984083151 https://twitter.com/i/web/status/2019053215984083151"  
[X Link](https://x.com/victaurs/status/2019053215984083151)  2026-02-04T14:19Z [----] followers, [----] engagements


"$APO is one of those great business messy tape names right now. The only debate is timing. Do you buy before Feb [--] or wait for the print"  
[X Link](https://x.com/victaurs/status/2019465091570159791)  2026-02-05T17:36Z [----] followers, [----] engagements


"1/7 Same screener different takeaway. Everyones staring at the green rows. Im looking at the bottom. $PYPL is sitting there in downtrend/heavy resistance land trading like the market has already moved on. Its cheap for a reason. Lets talk about the reason. 👇 1/3 Pulled a fintech screener and one thing stands out fast. Most of the space is still stuck in downtrends or heavy resistance. Lots of red. Lots of stalled charts. But Brazil-linked names keep quietly showing up on the right side of the screen. 🧵 https://t.co/uhZagNgBAB 1/3 Pulled a fintech screener and one thing stands out fast. Most"  
[X Link](https://x.com/victaurs/status/2021305732814000230)  2026-02-10T19:30Z [----] followers, [----] engagements


"2/7 This chart is the whole mood. MA is basically flat. $AFRM is down but alive. $PYPL is the one getting treated like it's broken. And that's the key point: PayPal isn't getting punished for "fintech is out." It's getting punished for drift-slow growth no clear edge and a checkout product the world keeps routing around. https://twitter.com/i/web/status/2021305737671303216 https://twitter.com/i/web/status/2021305737671303216"  
[X Link](https://x.com/victaurs/status/2021305737671303216)  2026-02-10T19:30Z [----] followers, [----] engagements


"Writing up $AXON . any bears or bulls"  
[X Link](https://x.com/victaurs/status/2021566356068647380)  2026-02-11T12:45Z [----] followers, [----] engagements


"@KobeissiLetter 3.91M SAAR. Second lowest pace since [----]. We are basically back to post-GFC transaction volume. This is not a hot market cooling. This is a frozen market trying to thaw. At what point do prices finally feel this"  
[X Link](https://x.com/victaurs/status/2021995911627546817)  2026-02-12T17:12Z [----] followers, [---] engagements


"1/5 Everyone keeps talking about $RKT Rocket. The more interesting refi trade is the one most of you would laugh at and move on from. ➝ Messy balance sheet. ➝ Founder control. ➝ Still losing money. And thats the point. 🧵"  
[X Link](https://x.com/victaurs/status/2022011543521833321)  2026-02-12T18:14Z [----] followers, [---] engagements


"$DUOL down around 40% YTD. $TMUS just launched real-time Live Translation built into the network. If communication gets commoditized what are you really paying Duolingo for Is this a structural threat to $DUOL Yes. Core at risk No. Learning wins AI makes DUOL better Short term noise Yes. Core at risk No. Learning wins AI makes DUOL better Short term noise"  
[X Link](https://x.com/victaurs/status/2022025494536045047)  2026-02-12T19:10Z [----] followers, [---] engagements


"$TSM posted record results. Profit up 35%. Meanwhile $AMZN and $GOOGL are guiding massive AI capex. When the builders spend the supplier gets paid. You buying the builders or the shovel seller"  
[X Link](https://x.com/victaurs/status/2022413776168063113)  2026-02-13T20:53Z [----] followers, [----] engagements


"Tangible Book Value per Share (TBV/S) growth is a powerful indicator of long-term value creation. Companies consistently growing TBV/S often outperform over time. As Jamie Dimon says it's "a good measure of value created for shareholders." Live now: http://www.victaurs.com/p/idea-list-tbvs-grower-screen http://www.victaurs.com/p/idea-list-tbvs-grower-screen"  
[X Link](https://x.com/anyuser/status/1827704230183846047)  2024-08-25T13:47Z [----] followers, 23.6K engagements


"People love to hate on $C but the set up in '25 is undeniably good. https://www.victaurs.com/p/citibank-from-outhouse-to-penthouse There's a whole host of names on this list that should do well next year. AOCI turns into TBV over time . $BPOP $C https://t.co/QabkklC9iz https://www.victaurs.com/p/citibank-from-outhouse-to-penthouse There's a whole host of names on this list that should do well next year. AOCI turns into TBV over time . $BPOP $C https://t.co/QabkklC9iz"  
[X Link](https://x.com/anyuser/status/1835386098287267942)  2024-09-15T18:32Z [----] followers, 41.1K engagements


"Invest local For all the community bank fans. https://www.victaurs.com/p/invest-local https://www.victaurs.com/p/invest-local"  
[X Link](https://x.com/anyuser/status/1844372788532174973)  2024-10-10T13:41Z [----] followers, 12.4K engagements


"Here's what nobody tells you about bank investing When it comes to investing in banks the metrics that matter most arent flashy. The real winners focus on compounding value through Revenue Per Share (RPS) Earnings Per Share (EPS) and Tangible Book Value Per Share (TBVPS). 1/5"  
[X Link](https://x.com/anyuser/status/1871534210328002728)  2024-12-24T12:31Z [----] followers, 13.6K engagements


"Banking wisdom: loans make headlines but deposits make fortunes. Never forget which side of the balance sheet rules the world"  
[X Link](https://x.com/anyuser/status/1873061250101592279)  2024-12-28T17:39Z [----] followers, 26.5K engagements


"Jamie Dimons fortress balance sheet isn't just survival; it's a strategic masterstroke. From Bear Stearns to First Republic Bank in [----] JPMorgan turns adversity into advantage. Is your CET1 strong enough to seize these opportunities"  
[X Link](https://x.com/anyuser/status/1873404612163584016)  2024-12-29T16:24Z [----] followers, [----] engagements


"A 7% loan funded at 4.5% yields [---] bps. A 0% deposit reinvested at 5% yields [---] bps. Numbers dont liedeposits rule the world"  
[X Link](https://x.com/anyuser/status/1873447393821106283)  2024-12-29T19:14Z [----] followers, 10.1K engagements


"The U.S. banking system lost [----] community banks in [--] years. Regulatory burden Partly. Poor leadership Entirely"  
[X Link](https://x.com/anyuser/status/1873761212594311641)  2024-12-30T16:01Z [----] followers, [----] engagements


"In banking relationships matter more than transactions. Build trust secure deposits and watch your bank thrive. How are you fostering client loyalty"  
[X Link](https://x.com/anyuser/status/1874899830558114224)  2025-01-02T19:25Z [----] followers, [----] engagements


"Bank ETFs are quietly outpacing the S&P [---]. Consider $FTXO $QABA $KBE $KBWB and $KRE for exposure"  
[X Link](https://x.com/victaurs/status/1880649743988302181)  2025-01-18T16:13Z [----] followers, [----] engagements


"Interested in community banks $QABA targets smaller banks offering M&A potential"  
[X Link](https://x.com/victaurs/status/1880696912992477407)  2025-01-18T19:21Z [----] followers, [---] engagements


"Tangible Book Value (TBV) is the real test. Its what a bank is actually worth if you strip away the noise. Jamie Dimon said it best: Over the long term book value per share is a good proxy for value. Watch it like a hawk"  
[X Link](https://x.com/anyuser/status/1892583237395890570)  2025-02-20T14:33Z [----] followers, [----] engagements


"The S&P [---] has dominated for [--] years. Now its expensive while Europe Japan and LatAm are still cheap. Expensive markets demand perfection. Whens the last time a market stayed perfect forever"  
[X Link](https://x.com/victaurs/status/1897087162686074921)  2025-03-05T00:50Z [----] followers, [----] engagements


"U.S. banks are expensive and crowded. European banks Dirt cheap. 8x forward earnings. 40% discount. The trade is obvious. Just not to most investors"  
[X Link](https://x.com/anyuser/status/1897123653382291763)  2025-03-05T03:15Z [----] followers, [----] engagements


"Citibanks most misunderstood business Services. Generates $4.68B in revenue per quarter 23.8% ROTCE 31% non-interest income (the good stuff) Its messy but it prints money"  
[X Link](https://x.com/anyuser/status/1898848772186157429)  2025-03-09T21:30Z [----] followers, [----] engagements


"Citibanks biggest mistake ever 1998: Sandy Weill slammed Citicorp & Travelers together. The deal was technically illegal They lobbied to make it legal Created a $700B Frankenstein And Citis been paying the price ever since"  
[X Link](https://x.com/victaurs/status/1898857578840404191)  2025-03-09T22:05Z [----] followers, [----] engagements


"$C still has massive EPS growth potential. $WSBC digesting a deal sitting cheap. $FCNCA will start buying back stock once they clear reg stress. This is how you buy bankscheap misunderstood and hated"  
[X Link](https://x.com/anyuser/status/1899942225246662873)  2025-03-12T21:55Z [----] followers, [----] engagements


"Most people die at [--]. They just dont get buried until [--]. They stopped pushing. They accepted average. Be honestare you still alive Or just existing"  
[X Link](https://x.com/anyuser/status/1900956659880440098)  2025-03-15T17:06Z [----] followers, 16.9K engagements


"What do $STNE and $PAGS actually do They help millions of small businesses in Brazil accept payments manage finances and access credit. One leads with software + service (StoneCo). The other scaled fast with free banking + card readers (PagSeguro). Read up on(link bio)"  
[X Link](https://x.com/anyuser/status/1903467108354101374)  2025-03-22T15:21Z [----] followers, [----] engagements


"$STNE and $PAGS are like Shopify and Square If Shopify moved to Brazil got punched in the face by PIX and came back stronger with 5x earnings and no hype. They help SMBs run payments banking and credit. The market thinks theyre dead. Theyre not"  
[X Link](https://x.com/anyuser/status/1903516731798155390)  2025-03-22T18:38Z [----] followers, 23.4K engagements


"$ALLY $COF $BFH everyone expected a credit cliff. But delinquencies are stabilizing. Charge-offs are flattening. The bad news was already priced in. The pain trade now A consumer bounce-back no one believes"  
[X Link](https://x.com/anyuser/status/1903848715984744682)  2025-03-23T16:38Z [----] followers, [----] engagements


"The best trades feel a lil wrong at the moment you put them on. If it feels safe its probably consensus. if it feels stupid you might be early. Learn the difference"  
[X Link](https://x.com/anyuser/status/1903894517662765375)  2025-03-23T19:40Z [----] followers, [----] engagements


"Valuations $NU: 25x earnings $MELI: 60x $STNE: 7x $PAGS: 5x Two of these are priced for perfection. Two are priced like theyre dead. Theyre not"  
[X Link](https://x.com/anyuser/status/1904294654578774492)  2025-03-24T22:10Z [----] followers, 41.4K engagements


"$STNE and $PAGS didnt get killed by PIX. They evolved. PIX is now 1015% of total volume. The new playbook Monetize what wraps around the payment: reconciliation software credit"  
[X Link](https://x.com/anyuser/status/1904560657451893225)  2025-03-25T15:47Z [----] followers, [----] engagements


"Everyones bidding Europe and Japan. Chinas getting a narrative rebound. Meanwhile Brazils been left for dead. No flow. No love. Thats usually where the best setups start"  
[X Link](https://x.com/anyuser/status/1904673903714459680)  2025-03-25T23:17Z [----] followers, [----] engagements


"Fintech is evolving into infrastructure. Payments are just the hook. Real value is in: Software Credit Ecosystem lock-in Brazils top fintechs are playing this game already"  
[X Link](https://x.com/victaurs/status/1904888189728547165)  2025-03-26T13:28Z [----] followers, [----] engagements


"subscriber growth is starting to get on that compounding wheel thingy. thank you to all of you especially those of you that were the first ones"  
[X Link](https://x.com/victaurs/status/1905000832107466867)  2025-03-26T20:56Z [----] followers, [----] engagements


"A fintech trading at 5x earnings isnt normal. Its either a broken business or a broken narrative. The difference Check the ROE check the margins check the cash"  
[X Link](https://x.com/anyuser/status/1905026728558493957)  2025-03-26T22:39Z [----] followers, [----] engagements


"You dont have to love $HOOD. I didnt. But step back and look at what they built: One-tap investing. Cash that pays. Cards that build wealth. All inside a phone. Its not a gimmick. Its a bank killer wrapped in dopamine"  
[X Link](https://x.com/anyuser/status/1907081517911908649)  2025-04-01T14:44Z [----] followers, [----] engagements


"Schwab makes you fill out [--] forms just to change a beneficiary. $HOOD gives you a 3% IRA match from your phone in [--] seconds. The old guard deserves to lose"  
[X Link](https://x.com/anyuser/status/1907104418580812150)  2025-04-01T16:15Z [----] followers, 24.3K engagements


"The average Schwab client has $250K in assets. $HOODs average is $9K. But you know whats growing faster The $9K"  
[X Link](https://x.com/anyuser/status/1907161044461429190)  2025-04-01T20:00Z [----] followers, 20.7K engagements


"$C has more capital than people think. Reg reform + buybacks + cost control = torque. Still under TBV. Still mispriced"  
[X Link](https://x.com/anyuser/status/1907570238281126218)  2025-04-02T23:06Z [----] followers, 10.5K engagements


"Where my $NU bros at"  
[X Link](https://x.com/anyuser/status/1912890571183604148)  2025-04-17T15:27Z [----] followers, 10.2K engagements


"$APO Apollo earns over $1.2 billion in fee-related earnings per quarter and expects to grow FRE more than [--] percent annually. Structured credit engine. Insurance float. Forward multiple around [--] times. Too boring for most. Too complex for others. You into it or not"  
[X Link](https://x.com/anyuser/status/1913233806712099087)  2025-04-18T14:11Z [----] followers, 37K engagements


"$KKR KKR's insurance arm now manages more than $100 billion in float. Full-stack infrastructure private equity and credit. EPS projected at $5.80 next year. If Apollo is the credit king is KKR the operator-in-chief Are you long or leaving it alone"  
[X Link](https://x.com/anyuser/status/1913265516120076418)  2025-04-18T16:17Z [----] followers, 35.7K engagements


"$ARES Ares is the purest play on private credit in the public market. No equity. No insurance. Just origination scale and sponsor relationships. EPS is still growing. Feels sleepy until it is not. Are you in or out"  
[X Link](https://x.com/anyuser/status/1913314840694706260)  2025-04-18T19:33Z [----] followers, 21.9K engagements


"I'm deeply grateful for this community. Not for the numbers. Not for the clicks. But for the minds. The thoughtful replies the sharp debates the people who actually care to get it right. Thank you for riding with me. it's a privilege"  
[X Link](https://x.com/anyuser/status/1917352745733857672)  2025-04-29T22:58Z [----] followers, [----] engagements


"Bank OZK has higher credit standards than half the people tweeting about bank credit. $OZK"  
[X Link](https://x.com/anyuser/status/1917571075980062891)  2025-04-30T13:25Z [----] followers, [----] engagements


"$FCNCA has a better earnings engine than 80% of bank Twitter models . just no memes or CEO soundbites to go with it"  
[X Link](https://x.com/anyuser/status/1917705773548753303)  2025-04-30T22:21Z [----] followers, [----] engagements


"$WAL survived an actual crisis kept its growth engine on and bank Twitter still acts like its radioactive. Touch grass"  
[X Link](https://x.com/anyuser/status/1917726661111435466)  2025-04-30T23:44Z [----] followers, [----] engagements


"Everyone is chasing AI. I'm buying banks. Why Massive underperformance since [----] Credit is clean Capital is strong Valuations are dirt cheap And nobody wants them This is exactly how bull cycles in hated sectors start"  
[X Link](https://x.com/anyuser/status/1922306917575032857)  2025-05-13T15:04Z [----] followers, 11.9K engagements


"You're not late. You're early to the re-rate. Rates high Buy $FCNCA Rates fall Buy $BOKF Credit cracks $FHB Credit holds $OZK Reflation $WAL Big banks $C & $WFC Puerto Rico $BPOP You dont need a crystal ball. You need a portfolio built for every outcome"  
[X Link](https://x.com/anyuser/status/1922381332447166719)  2025-05-13T20:00Z [----] followers, [----] engagements


"Citibank went from never touch to nearly doubling in value by delivering revenue growth cost cuts and capital returns. ROTCE headed to 11-12% by [----] with a services division moat few can match. Not flashy just steady execution paying off"  
[X Link](https://x.com/anyuser/status/1923419423152509107)  2025-05-16T16:45Z [----] followers, [----] engagements


"Brazils quietly up 20% YTD. $NU $STNE $PAGS are adapting and winning. Full story out now 👇👇"  
[X Link](https://x.com/anyuser/status/1924100582912209094)  2025-05-18T13:51Z [----] followers, [----] engagements


"A bank's true worth isn't in its branches or branding but in the silent compounding of its tangible book value"  
[X Link](https://x.com/anyuser/status/1929545352811577639)  2025-06-02T14:27Z [----] followers, [----] engagements


"Stablecoins arent killing Visa. Visa still clears $15 trillion a year With real settlement rails fraud protection and rewards. Try beating that with a dashboard and a tweet"  
[X Link](https://x.com/anyuser/status/1933610131151073455)  2025-06-13T19:39Z [----] followers, [----] engagements


"Visa charges 3%. Stablecoins cost cents. How long do you think merchants will pretend not to notice"  
[X Link](https://x.com/anyuser/status/1933956488986493029)  2025-06-14T18:35Z [----] followers, 11.1K engagements


"S-1 says Circle has [----] customers. Zero are retail. This is not the next Venmo. This is Treasury Direct with better branding"  
[X Link](https://x.com/anyuser/status/1934236832709177450)  2025-06-15T13:09Z [----] followers, [----] engagements


"Everyones talking about "rate cuts" but theyre missing the real opportunity. The steepening curve is the key to net interest income growth not the Feds next move. 1/6"  
[X Link](https://x.com/anyuser/status/1945222832914399562)  2025-07-15T20:43Z [----] followers, [----] engagements


"ROTCE tells you the return. TBVPS tells you the discipline. Put them together and you get the real compounding engine"  
[X Link](https://x.com/anyuser/status/1946657792330490163)  2025-07-19T19:45Z [----] followers, [----] engagements


"Most investors see banks as NIM machines. The smart ones see leveraged equity compounding at 13% ROTCE with liquidity to match"  
[X Link](https://x.com/victaurs/status/1946938766985429380)  2025-07-20T14:22Z [----] followers, [----] engagements


"The crowd reads P/E. I read TBVPS growth. Durable capital compounding tells the story long before the stock chart does. https://t.co/9HgynRMfs7 https://t.co/9HgynRMfs7"  
[X Link](https://x.com/anyuser/status/1947017546626162918)  2025-07-20T19:35Z [----] followers, 13.7K engagements


"Yes. Stop printing money every time the market flinches. Is there a better way to kill inflation than raising interest rates Is there a better way to kill inflation than raising interest rates"  
[X Link](https://x.com/victaurs/status/1949839609937965476)  2025-07-28T14:29Z [----] followers, [----] engagements


"Some up cap cheap names hiding in plain sight: $WAL $CUBI $AX $VLY $OZK $EWBC $WTFC $CADE $ABCB $BPOP. all [--] fwd EPS while compounding TBV [--] % and spinning doubledigit ROATCE. Thoughts"  
[X Link](https://x.com/anyuser/status/1950580148501123312)  2025-07-30T15:32Z [----] followers, [----] engagements


"Stablecoins are everywhere but how much of the volume is real You might be surprised by whats really driving the numbers and whos in control"  
[X Link](https://x.com/anyuser/status/1953463129066574129)  2025-08-07T14:27Z [----] followers, 257.5K engagements


"$crcl truth be told we were wrong. Insiders didnt even wait for the lock up to end. They just dropped 8m shares on longs. Tells you all you need to know about em"  
[X Link](https://x.com/anyuser/status/1955375990055559239)  2025-08-12T21:08Z [----] followers, 17.6K engagements


"Stablecoins are the future. Cool. So is oxygen. That does not mean I will pay 50x revenue for it"  
[X Link](https://x.com/anyuser/status/1956434466727252464)  2025-08-15T19:15Z [----] followers, [----] engagements


"Owning $NU feels like a paradox. Its a bank with fintech margins. Its a growth stock with regulatory discipline. Its hot money deposits sitting in one of the stickiest ecosystems in EM. The labels dont fit which is why the pricing looks wrong"  
[X Link](https://x.com/anyuser/status/1963269957267128412)  2025-09-03T15:56Z [----] followers, [----] engagements


"$klar IPO is being sold as the hottest thing in fintech. Thats your first warning. The network is big: 93m customers 675k merchants embedded at checkout with Stripe Worldpay and Apple Pay. The economics are thin: 2.4% take rate vs Affirms 4%. To keep growing they need volume on volume. IPO math: $14B valuation at 5x revenue. 80% of shares sold are insiders cashing out. Thats not funding growth. For Klarna to look cheap at 2-3x sales it needs $180B-$220B in GMV. Thats 50-80% growth before you even break even on the multiple. The dream is an Amazon-style ecosystem: payments lending ads"  
[X Link](https://x.com/anyuser/status/1965138752973795802)  2025-09-08T19:42Z [----] followers, 17.3K engagements


"$klar IPO is here. Hype says its the next Visa. History says its exit liquidity. $45B peak $7B trough now $14B IPO. Investors call that a comeback. Insiders call it thank you for playing. Klarnas take rate: 2.4%. Affirms: closer to 4%. Thin margins require infinite volume. Thats a treadmill not a moat. The ecosystem story is cute. Card savings ads. But its still merchant fees at heart. Retail media is the shiny add-on. Competitors Apple PayPal Visa. If your moat is habit you better pray habits dont change. IPO filings show most shares sold are insider cash-outs. Thats the real story. Klarnas"  
[X Link](https://x.com/anyuser/status/1967262383329726604)  2025-09-14T16:21Z [----] followers, 10K engagements


"Ninety five percent of Affirms transactions now come from repeat users. Thats not a fad. Thats a mousetrap"  
[X Link](https://x.com/victaurs/status/1967964868931358919)  2025-09-16T14:52Z [----] followers, [----] engagements


"Every rookie learns the P/E ratio. Few learn its irony: the lower the multiple the more likely it signals danger. Cheap can be deadly. Expensive can be fortune"  
[X Link](https://x.com/anyuser/status/1969460339147489401)  2025-09-20T17:55Z [----] followers, [----] engagements


"$UPST fell because of an Excel error. Billions gone because someone hit the wrong cell. Thats modern markets"  
[X Link](https://x.com/anyuser/status/1974114850835218554)  2025-10-03T14:10Z [----] followers, 16.3K engagements


"Markets reward discipline not FOMO. Its easy to chase $ORCL after a 40% rip. Its easy to envy the +169% YTD screenshots. The hard part is remembering who you are what you value and why youre investing in the first place"  
[X Link](https://x.com/anyuser/status/1974902406262726844)  2025-10-05T18:20Z [----] followers, 15.8K engagements


"If $2.3B can disappear from a broadly syndicated loan imagine the blind spots in private credit where lenders mark their own homework. Reminder: First Brands was a widely held BSL and $2.3B allegedly just vanished Now think about private credit deals with 2-3 lenders quarterly (maybe) reporting and marks set by the people who made the loan If this happened in the visible market whats happening in the Reminder: First Brands was a widely held BSL and $2.3B allegedly just vanished Now think about private credit deals with 2-3 lenders quarterly (maybe) reporting and marks set by the people who"  
[X Link](https://x.com/anyuser/status/1977017637067722799)  2025-10-11T14:25Z [----] followers, 17.9K engagements


"KRE is a bad index. It literally buys losers and trims winners. That means hedge funds short all names at once good or bad. So lets crowdsource: which regionals are fundamentally strong but unfairly punished"  
[X Link](https://x.com/anyuser/status/1979190665725542778)  2025-10-17T14:20Z [----] followers, [----] engagements


"The baby has been thrown out with the bathwater. $BPOP at 8.5x [----] EPS. $FCNCA near 9.5x. $OZK about to restart buybacks. Which regional names do you think come out stronger from this washout"  
[X Link](https://x.com/anyuser/status/1979208280032395639)  2025-10-17T15:30Z [----] followers, [----] engagements


"@zerohedge AI has earnings today because $NVDA sells the picks and shovels. The real bubble test comes when buyers of those shovels need to prove their own returns"  
[X Link](https://x.com/anyuser/status/1983619221771972688)  2025-10-29T19:37Z [----] followers, 11.4K engagements


"$PYPL doesnt need a breakout quarter. It needs repeatable execution. And thats what the last six have shown"  
[X Link](https://x.com/anyuser/status/1983622879226060975)  2025-10-29T19:52Z [----] followers, [----] engagements


"Tangible book value wasnt invented by X arguments. "This page is from the [----] Jamie Dimon shareholder letter." The best operators understood decades ago that compounding TBV is the real north star for bank investing"  
[X Link](https://x.com/anyuser/status/1985749966888059177)  2025-11-04T16:44Z [----] followers, [----] engagements


"Buybacks at or below TBVPS only help if the underlying bank can actually grow TBV. Otherwise you just end up owning a bigger slice of something that refuses to move. When you look at names like $STEL $COLB $SFNC $TFIN $FIBK $FRST $USB $BOH $FHB $ZION how many of those have truly earned the right to shrink their float. https://twitter.com/i/web/status/1998414836342870178 https://twitter.com/i/web/status/1998414836342870178"  
[X Link](https://x.com/victaurs/status/1998414836342870178)  2025-12-09T15:30Z [----] followers, [----] engagements


"I still own $bpop and $flg which means I am comfortable living with some mess. The common thread is not perfection it is direction. Capital getting stronger NIM improving TBV inching up while the narrative is still too risky. Which ugly but improving banks are on your list right now https://twitter.com/i/web/status/1998764641250353446 https://twitter.com/i/web/status/1998764641250353446"  
[X Link](https://x.com/victaurs/status/1998764641250353446)  2025-12-10T14:40Z [----] followers, [----] engagements


"$FLG still has plenty of skeletons. Non accruals are high reserves are thin and New York politics are not exactly a tailwind. But CET1 is over 12% costs are down a third and NIM has risen three quarters in a row. That asymmetry is what keeps me interested. If you hate it I would love to hear why. https://twitter.com/i/web/status/1998834676723757197 https://twitter.com/i/web/status/1998834676723757197"  
[X Link](https://x.com/victaurs/status/1998834676723757197)  2025-12-10T19:18Z [----] followers, [----] engagements


"Building out a screener for payments types. Any tickers you want to see on it Plese comment"  
[X Link](https://x.com/victaurs/status/2004549959350436051)  2025-12-26T13:48Z [----] followers, 11.1K engagements


"https://www.victaurs.com/p/so-you-missed-nubank-at-5 https://www.victaurs.com/p/so-you-missed-nubank-at-5"  
[X Link](https://x.com/anyuser/status/1903440173049810970)  2025-03-22T13:34Z [----] followers, 65.5K engagements

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