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[@DavidRe44137727](/creator/twitter/DavidRe44137727)
"@kylewhitegoat Last X years increased revenue $10B to $17B. QFIN earns $1.57B FCF (almost entire annual revenue $SOF). btw XXXX% yoy shareholder dillution & decreasing FWD earnings (margin compression) are significantly negating revenue growth. $QFIN Q3 tempered TL guidance def hurt share price"  
[X Link](https://x.com/DavidRe44137727/status/1980698865444745445) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-21T18:13Z XXX followers, XXX engagements


"@kylewhitegoat $SOFI Decision last resort satisfying enormous negative annual CF (2025 -$2.8B/2023 -$7.3B) via shareholder dilution (18% yoy) is financial kryponite tremendous pressure decreasing analyst consensus fwd EPS ($.97 2029)"  
[X Link](https://x.com/DavidRe44137727/status/1981057372878753880) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-22T17:57Z XXX followers, 3851 engagements


"@kylewhitegoat Experience Fintech space $PYPL $FINV & $QFIN. The past quarter has been complete disaster Even restarted $PYPL position thats hasnt done well. Fintechs tough space big reason why trades low multiples"  
[X Link](https://x.com/DavidRe44137727/status/1981060060664267202) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-22T18:08Z XXX followers, 1339 engagements


"@kylewhitegoat $SOFI FWD PE & yoy massive (18.8%) shareholder dilution not the connecting dots that resemble set for long term bullish scenario"  
[X Link](https://x.com/DavidRe44137727/status/1980679892732928312) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-21T16:57Z XXX followers, XXX engagements


"@kylewhitegoat Slightly tempered Q3 guidance last earnings call was disastrous for $QFIN share price. CEO widely considered peers as leading AI Fintech recently invited speak United Nations re AI. Laser focused leveraging AI modeling -leadership acquiring quality loans sacrificing st growth"  
[X Link](https://x.com/DavidRe44137727/status/1980702737399718211) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-21T18:28Z XXX followers, XXX engagements


"@kylewhitegoat $SOFI BTD Buy The Dip"  
[X Link](https://x.com/DavidRe44137727/status/1981064806577902020) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-22T18:27Z XXX followers, XXX engagements


"@DataDInvesting $SOFI Analysts consensus declining FWD EPS 18%+ yoy shareholder dilution to finance (-$2.9B) cash flow-significant earnings headwinds resulting under $X EPS til next decade. Financial kryptonite stock performance not outlier sub prime company BK nobody heard of"  
[X Link](https://x.com/DavidRe44137727/status/1981071151230263356) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-22T18:52Z XXX followers, XXX engagements


"@stevenmobarak Maybe .05 cents EPS XX% yoy shareholder dilution financing ($2.9B) negative CF or analysts consensus EPS not expected breach $X EPS til next decade or maybe outlier BK pink sheet sub prime lender nobody has heard of that others claim platform"  
[X Link](https://x.com/DavidRe44137727/status/1981072539008061666) [@DavidRe44137727](/creator/x/DavidRe44137727) 2025-10-22T18:57Z XXX followers, XX engagements