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[@vasilist](/creator/twitter/vasilist)
"WK XX - 2025 Portfolio update YtD +30.31% 🟢 CAGR 10Y XX% Allocations $UPST XX% $HIMS XX% $LMND XX% $ROOT XXX% $PLTR XXX% $TMDX XXX% $OSCR XXX% #GrowthStocks #Investing #UTPI"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946512634582278532) 2025-07-19 10:09:11 UTC 1011 followers, XXX engagements


"5. Stock Price Volatility Short Squeeze or Overhyped Opendoors stock has been a rollercoaster with a recent XX% drop in April 2025 attributed to a potential hedge fund arbitrage play. The theory: XX million shares were shorted to push the stock below $X forcing it out of the Russell 2000 index by June XX 2025 triggering forced ETF sales (e.g. iShares Russell 2000s XX million shares). Shorts could cover post-rebalance potentially pushing the stock back to $2$3. Recent X posts show investor enthusiasm citing a XX% daily gain and XXX% recent rise fueled by Q1 2025 results and Q2 profitability"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946517395805282440) 2025-07-19 10:28:06 UTC 1011 followers, XXX engagements


"6. The Carvana Comparison Aspirational or Delusional Opendoors turnaround is likened to Carvana which rebounded after aggressive cost-cutting and operational fixes. Opendoors layoffs debt refinancing and efficiency focus echo Carvanas playbook but the comparison is shaky. Carvana benefited from a unique used-car market dynamic while Opendoor faces a broader less predictable housing market. Claims of a 100x stock surge are hyperbolic ignoring Opendoors structural challenges and market dependence"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946517527397597373) 2025-07-19 10:28:37 UTC 1011 followers, XXX engagements


"$UPSTs AI approves 2x more loans than FICO same risk lower rates. Auto & HELOCs up 5x & 6x YoY chasing a $3T market. At $6B market cap undervalued Trustpilots 4.9/5 screams customer loyalty. Growth investors time to bet 📈 #GrowthInvesting #AI 5/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945479934555640316) 2025-07-16 13:45:36 UTC 1010 followers, 1268 engagements


"3. Operational Lessons Smarter Buying Seasonal Awareness Opendoor has learned hard lessons about real estate. Historically it bought most homes in summer when prices peak only to face losses when prices dipped in fall and winter compounded by high holding costs (maintenance and interest). In 2025 the company vowed to focus purchases in winter and spring potentially saving $XX million by avoiding seasonal price swings. This shift combined with reduced marketing and operational waste reflects a more disciplined approach. Yet these changes are late. The fact that Opendoor only recently"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946517099947659368) 2025-07-19 10:26:55 UTC 1011 followers, XXX engagements


"Youve seen the analysis of #UTPI by @HenryInvests and now youre waiting for $UPSTs earnings release on the first Tuesday of August"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1944861556342448641) 2025-07-14 20:48:23 UTC XXX followers, 1803 engagements


"@Opendoor in a Nutshell $OPEN TAM: $1.6T+ Real Estate Tech Founder-led: Eric Wu Q1-25 Revenue: $1.18B XX% YoY Revenue Drop 3421 Homes Sold Q1-25 2.7M+ Homes Transacted Cash Position: $0.9B Q1-25 X% of U.S. Real Estate Market AI Pricing Enhances Efficiency Contribution Margin: XXX% Q1-25 XX% Seller Lead Conversion Rates Digital Platform Cuts Overhead Costs CEO: Seamless real estate fuels our growth 🤳CEOs House"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946680503639158937) 2025-07-19 21:16:14 UTC 1011 followers, XXX engagements


"1. Financial Position However skepticism is warranted. The X% interest rate on the new bonds is costly and issuing them at a low stock price could signal distress to some investors. While Opendoor has $559$634 million available for home purchases and only uses $X billion of an $X billion credit line its conservative purchasing strategy reflects thin margins in the current market. Scaling operations to triple revenue as management suggests hinges on a housing market recoveryan uncertain prospect"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946516602523971756) 2025-07-19 10:24:57 UTC 1011 followers, XXX engagements


"WK XX - 2025 Portfolio update Ytd +26.4% 🟢 CAGR 10Y XX% Allocations $UPST XX% $HIMS XX% $LMND XX% $ROOT XXX% $PLTR XXX% $TMDX XXX% $OSCR XXX% #GrowthStocks #Investing"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1943766323571445879) 2025-07-11 20:16:19 UTC 1000 followers, 1418 engagements


"$UPSTs Trustpilot buzz is 🔥 54119 reviews 4.9/5 stars with XX reviews in one day (7/11/25 record) 📊 Users rave about easy loans & great service. Q2 XX review surge (+41% vs. Q1) signals booming activity. Is this AI lender winning hearts #GrowthStocks #Fintech 4/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945479549346615659) 2025-07-16 13:44:04 UTC 1011 followers, XXX engagements


"🚀 $UPST: From 12x IPO spike to -XX% crash Upstarts wild ride stunned Wall St 🤯 Analysts once clueless about its AI lending. Now XX% revenue growth booming auto/home loans & 4.9/5 Trustpilot reviews (54K+ votes) signal a fintech phoenix rising #GrowthStocks #AI #Fintech 1/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945478303164637374) 2025-07-16 13:39:07 UTC 1010 followers, 1360 engagements


"@RW_CoFound I fully agree but now #Upstart $UPST is shaking off past vulnerabilities Q4 2024 revenue soared XX% to $219M with losses down to $2.8M. Expanding into home & auto loans with AI-driven lending its poised for growth"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1938940196294115485) 2025-06-28 12:39:01 UTC XXX followers, XXX engagements


"What stocks have that 3X potential by Jan 2027 Let me go first 1) $UPST 2) $HIMS 3) $LMND 4) $ROOT *excluding biotech & crypto which ones leading the charge for you right now"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1944521863608107460) 2025-07-13 22:18:34 UTC XXX followers, 1845 engagements


"$UPST ( #Upstart Holdings Inc.) 2025 Fintech Phoenix Trustpilot data says Yes #UTPI Despite economic headwinds Upstart looks set to post GAAP profits by year-end. Heres why this under-the-radar AI lender might surprise Wall Street X Revenue Rocket Fuel Q1 25: $213M rev (+67% Y/Y) $2.1B loan volume (+89%) XX% automated + 100+ lenders 🤖 Auto (+42%) & HELOCs (+52%) diversify the game X Trustpilot = Loan Demand Pulse Q3: +21% review growth (2931 total) XXX reviews in XX days (+48% vs Q2) = 🔥 borrower activity Forecast: $280M$293M Q3 rev eyes on $1.1B full-year X Margin Pressure Yeah but Q1"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1944324033668886888) 2025-07-13 09:12:28 UTC 1009 followers, 1435 engagements


"$UPST IPOd at $XX soared to $XXX by Oct 202112x in XX months 🚀 Hailed as a fintech unicorn yet one analyst couldnt explain its AI model. 😅 Wall St hyped it but the crash hit hard. Trustpilot 4.9/5 then & now showing unwavering user love 2/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945478647927710101) 2025-07-16 13:40:29 UTC 1011 followers, XXX engagements


"Post-crash $UPST rebuilt stronger 💪 Q1 25: $213M revenue (+67%) $2.1B loans (+89%) XX% automation. Auto ($61M) & home loans ($41M) soaring. Trustpilots 54K+ reviews (4.9/5) praise fast funding & low rates. Cash-rich balance sheet shines 3/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945478895546802261) 2025-07-16 13:41:28 UTC 1001 followers, XXX engagements


"Watchlist : notes on $NBIS - $IREN $NBIS excels in Al-focused infrastructure partnerships and sustainability while SIREN benefits from profitability dual revenue streams and low-cost power. $IREN's positive EPS gives it a financial edge but $NBIS's scale and cash reserves support larger ambitions. Both face negative FCF due to high capex but $NBIS's higher valuation and deeper losses raise greater concerns. $IREN's debt load is a risk while $NBIS's thin trading volume adds volatility. Both are well-positioned for Al market growth with $NBIS leveraging Nvidia partnerships and SIREN"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946822679841095864) 2025-07-20 06:41:11 UTC 1011 followers, XXX engagements


"2. Strategic Pivot Learning from Past Mistakes Opendoors original model buying homes above market value and flipping them for profitworked wonders in 2021 generating over $X billion in flipping profits. But when interest rates soared in 2022 the company took a $X billion loss selling 35000 homes at a loss. The ousting of the previous CEO and significant layoffs (300 workers in Q4 2024 saving $XX million per quarter) signal a shift toward efficiency. The new strategy is twofold. First Opendoor now buys homes at XX% below market value aiming to sell at a profit while offering sellers a faster"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946516827808452838) 2025-07-19 10:25:50 UTC 1011 followers, XXX engagements


"4. Housing Market Dependence A Double-Edged Sword Opendoors fortunes are tied to the housing market which has been stagnant since 2022 due to high interest rates. Homes now take months to sell and Opendoors $XXX billion inventory has depreciated at X% annually. The companys path to profitability assumes a market recovery potentially spurred by Federal Reserve rate cuts (23 expected in 2025 per some analysts). Lower rates could reduce holding costs shorten sales timelines and drive X% home price appreciation potentially adding $XXX million in profit to Opendoors balance sheet. This optimism is"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1946517249235599499) 2025-07-19 10:27:31 UTC 1011 followers, XXX engagements


"Risks Tariffs & slowdown could hit lending. But $UPSTs AI cash reserves & 54K+ Trustpilot reviews (4.9/5) signal long-term upside. 🔥#AIInvesting #Fintech 6/6"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1945480328694411673) 2025-07-16 13:47:10 UTC 1010 followers, XXX engagements


"$IREN in a nutshell $IREN TAM $1T+ Founder-led AI & BTC vision Hashrate up XX% YoY Q3-25 revenue $148M 1514 BTC mined in Q3 XXX% renewable power Products: BTC AI HPC AI revenue rose XX% QoQ H100 GPUs boost margins XXX% of global BTC market Conversion rates: 10%-15% Cash position at $184.3M Q3 NVIDIA GPUs enhanced AI output CEO: AI and BTC fuels our growth"  
![@vasilist Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::18869558.png) [@vasilist](/creator/x/vasilist) on [X](/post/tweet/1940886320295157952) 2025-07-03 21:32:13 UTC 1007 followers, XXX engagements