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[@DoctorKillinger](/creator/twitter/DoctorKillinger)
"$PGY how is the market ignoring all this positive news"  
[X Link](https://x.com/DoctorKillinger/status/1978469798960091369) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-15T14:35Z XXX followers, 3187 engagements


"$ASTS double downgrade but then stating fair value is $XXX per share wtf"  
[X Link](https://x.com/DoctorKillinger/status/1979100419428130839) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:21Z XXX followers, 47.1K engagements


"If tricolor collapse is indeed due to subprime auto lending to immigrants who have now been deported then I would imagine $PGY's AI lending model would have NOT approved any loans to such individuals (these subprime auto borrowers often lacked drivers licenses)"  
[X Link](https://x.com/DoctorKillinger/status/1979104889134293289) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:39Z XXX followers, XXX engagements


"@ASTS_LegallyMAD you're right. there are plenty of stocks trading at ebitda multiples well above 15x and more established dinosaurs trading below 15x. fwiw here's the price targets derived from 15x ebitda multiple"  
[X Link](https://x.com/DoctorKillinger/status/1978408075087262163) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-15T10:30Z XXX followers, XXX engagements


"$PGY now with Pagaya It's easy to see how the market can jump from Tricolor collapse due to auto lending to Pagaya's auto lending loan volume; the market usually acts first and asks questions later. looking under the hood can reveal an opportunity in the chaos"  
[X Link](https://x.com/DoctorKillinger/status/1979104495091986934) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:37Z XXX followers, 1659 engagements


"$PGY The upside to this as a long term investor in Pagaya is that if Pagaya emerges from yet another calamity unscathed within the sector where they do a lot of originations then this should be the final test that proves the business and AI model"  
[X Link](https://x.com/DoctorKillinger/status/1979106720145125749) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:46Z XXX followers, XXX engagements


"$SOFI Same goes for $PGY. It is unlikely their AI lending model is approving loans to immigrants in the subprime credit space for used cars"  
[X Link](https://x.com/DoctorKillinger/status/1979108615601402347) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:53Z XXX followers, XXX engagements


"@HighyieldHarry Read more about it youll see that there is a connection to credit suisse after all via greensill"  
[X Link](https://x.com/DoctorKillinger/status/1976264877477150759) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-09T12:33Z XXX followers, XXX engagements


"@kingtutcap strategic investment by $AMZN"  
[X Link](https://x.com/DoctorKillinger/status/1978552896418435078) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-15T20:05Z XXX followers, XXX engagements


"$ASTS important reminder market making algos are targeting you they will try and get you to give them your shares at a discount so they can flip it to institutional buyers at a profit. don't give them your shares. if you put a stop loss order into the market they will see it"  
[X Link](https://x.com/DoctorKillinger/status/1978839714607071491) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-16T15:05Z XXX followers, XXX engagements


"@KobeissiLetter $ZION said it would record a $XX mil provision and charge-off of $XX million and $WAL said it filed a lawsuit in august alleging fraud by a borrower in failing to provide collateral loans in first position"  
[X Link](https://x.com/DoctorKillinger/status/1978899021050605864) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-16T19:01Z XXX followers, XX engagements


"$SOFI Auto loans are a significant and growing part of SOFIs business as evidenced by the company's marketing and the increasing number of auto loan products it offers. 1/3"  
[X Link](https://x.com/DoctorKillinger/status/1979107932567474376) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:51Z XXX followers, XXX engagements


"$SOFI And even in the broader auto loan market subprime lending is a relatively small and declining portion of total loans with a significant portion of subprime borrowers getting used car loans (Tricolor collapse issue). 3/3"  
[X Link](https://x.com/DoctorKillinger/status/1979108203334864939) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:52Z XXX followers, XXX engagements


"@ASTSHodlerClub $ASTS got a nice XXXXX fill. honestly didn't think it would dip back below $XXX this much but happy Barclays gave us this gift"  
[X Link](https://x.com/DoctorKillinger/status/1979115100570087554) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T09:19Z XXX followers, XXX engagements


"@Drew2Par $ASTS There's a lot of hot air being taken out of the market in the last XX hours (see quantum stocks). even if we believe ASTS valuation isn't hot air a lot of the same people in those hot air growth names are also in ASTS which can cause spillover effects"  
[X Link](https://x.com/DoctorKillinger/status/1979124867707371596) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T09:58Z XXX followers, XXX engagements


"$KRE multiple regional banks reported this morning and it seems like there aren't any more cockroaches which is why $KRE rebounded sharply off the premarket lows. always going to be this kind of fraud happening more so when business conditions are strained (thanks trump)"  
[X Link](https://x.com/DoctorKillinger/status/1979175588662276375) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T13:20Z XXX followers, XX engagements


"$PGY $SOFI that all being said I no longer think $WAL and $ZION issues have anything to do with the subprime auto stuff. likely business environment and some bad actors"  
[X Link](https://x.com/DoctorKillinger/status/1979178100777697536) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T13:30Z XXX followers, XXX engagements


"$ASTS Bell Canada announced its first space-based video call today joining Vodafone (UK) Rakuten (Japan) Verizon & AT&T (US). These five operators with 760M subscribers will launch ASTS's D2D satellite mobile broadband services globally over the next year. who's next"  
[X Link](https://x.com/DoctorKillinger/status/1973723814032019902) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-02T12:16Z XXX followers, 1885 engagements


"@ASTS_LegallyMAD @redrum_2001 ok added a line showing 40x ebitda multiple same multiple GSAT has right now"  
[X Link](https://x.com/DoctorKillinger/status/1978414829221134401) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-15T10:57Z XXX followers, XX engagements


"@ASTS_LegallyMAD @redrum_2001 and coincidentally the 2026 price target at 40x ebitda is around where ASTS closed yesterday lol"  
[X Link](https://x.com/DoctorKillinger/status/1978415042325344571) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-15T10:57Z XXX followers, XX engagements


"$KRE And whereas homes have value that usually appreciates cars rapidly depreciate in value meaning over time theres less and less value to recover until theres virtually X salvage"  
[X Link](https://x.com/DoctorKillinger/status/1979093727835480524) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T07:54Z XXX followers, XXX engagements


"$SOFI However SoFi primarily targets prime and high-quality borrowers with better credit not the subprime market and its own educational content indicates that subprime auto loans make up a small portion of the overall auto loan market. 2/3"  
[X Link](https://x.com/DoctorKillinger/status/1979108055699611684) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T08:51Z XXX followers, XXX engagements


"@AM13978371 @mc_khristina I would wager the double downgrade had little to do with the underperformance today versus the effects from monthly Options expiration coupled with the Russell underperforming and speculative tech seeing a correction after recent high outperformance and AST tapping the ATM"  
[X Link](https://x.com/DoctorKillinger/status/1979331010140737730) [@DoctorKillinger](/creator/x/DoctorKillinger) 2025-10-17T23:37Z XXX followers, XX engagements