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# ![@AndrewM61370616 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1484032382504079361.png) @AndrewM61370616 Andrew Marshall

Andrew Marshall posts on X about $dave, $daves, $afrm, $mq the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/creator/twitter::1484032382504079361/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1484032382504079361/c:line/m:interactions.svg)

- X Week XXXXXX +749%
- X Month XXXXXX +306%
- X Months XXXXXXX +47%
- X Year XXXXXXX +387%

### Mentions: X [#](/creator/twitter::1484032382504079361/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1484032382504079361/c:line/m:posts_active.svg)

- X Week XX +217%
- X Month XX +76%
- X Months XXX +81%
- X Year XXX +270%

### Followers: XXXXX [#](/creator/twitter::1484032382504079361/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1484032382504079361/c:line/m:followers.svg)

- X Week XXXXX +1.40%
- X Month XXXXX +3.80%
- X Months XXXXX +103%
- X Year XXXXX +185%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1484032382504079361/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1484032382504079361/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1484032382504079361/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXXX% [technology brands](/list/technology-brands)  XXXXX% [fashion brands](/list/fashion-brands)  XXXX%

**Social topic influence**
[$dave](/topic/$dave) #5, [$daves](/topic/$daves) #1, [$afrm](/topic/$afrm) #139, [$mq](/topic/$mq) #8, [$ccb](/topic/$ccb) 5.26%, [profitable](/topic/profitable) 5.26%, [drops](/topic/drops) 5.26%, [7x](/topic/7x) 5.26%, [ai](/topic/ai) 5.26%, [lend](/topic/lend) XXXX%

**Top accounts mentioned or mentioned by**
[@mabiverse123](/creator/undefined) [@alohaoasis](/creator/undefined) [@copycatinvest](/creator/undefined) [@capitalmindset](/creator/undefined) [@barnietaintpipe](/creator/undefined) [@djaliman1](/creator/undefined) [@eddercheddar](/creator/undefined) [@kancauskis](/creator/undefined) [@twillo1](/creator/undefined) [@yielddog1](/creator/undefined)

**Top assets mentioned**
[Dave Inc. (DAVE)](/topic/$dave) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [Marqeta, Inc. Class A Common Stock (MQ)](/topic/$mq) [Apple, Inc. (AAPL)](/topic/$aapl)
### Top Social Posts [#](/creator/twitter::1484032382504079361/posts)
---
Top posts by engagements in the last XX hours

"$DAVE longer thoughts on the Q. This will be a long Thread so if I make any mistakes in formatting my apologies. Firstly this was a great Q. Quick numbers perspective: Revenue: My model had 141M they did 150.8M Opex: My Model:95.6M Actual 104.8M Adjusted Ebitda: My Model: 54.7M Actual: 58.7M Adjusted Net Income: My Model: 48.3M Actual: 61.6M Guidance raised to 546M and Adjusted ebitda guide to 217M. (represents a FY increase of 30M for both) These Numbers by themselves are extremely good but what is more interesting to me (and should be to you) is the business momentum (will continue below)"  
[X Link](https://x.com/AndrewM61370616/status/1985760592691675148) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:26Z 1456 followers, 5535 engagements


"$DAVE In reviewing the Q3 numbers I come back to how big of a deal and value unlock the partnership with $CCB will be for the company and shareholders. This company is extremely profitable but currently is rolling their cashflows into funding their own originations. Once that funding of originations is no longer off $DAVE's own cashflows the business will have such a large BS unlock to invest in the biz or do capital returns. In the cash flow statement below you can see how much of their cash from ops gets reinvested back into funding originations which is a very good use of cash but once"  
[X Link](https://x.com/AndrewM61370616/status/1986101056766705939) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-05T15:59Z 1456 followers, 2006 engagements


"Funny to see $AFRM down after the $MQ call - but no one listens to $MQ so I guess it makes sense. I think Affirm will continue to show how high quality they are and the results and call will be good but based on recent price action from earnings it will probably end down X% tomorrow 🤣"  
[X Link](https://x.com/AndrewM61370616/status/1986462552034058272) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-06T15:55Z 1456 followers, 3275 engagements


"(6/X) This is because $DAVE has incredible operating leverage. so for every incremental dollar of gross profit about XX% of that drops to EBITDA. Dave's mgmt rightly pointed out that taking a slightly higher deliquency rate while having more originations and revenue growth would lead to a higher bottom line growth (which has happened)"  
[X Link](https://x.com/AndrewM61370616/status/1985766006808330677) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:48Z 1456 followers, XXX engagements


"If only there were signs that $AFRM would have a print like this"  
[X Link](https://x.com/AndrewM61370616/status/1986554834661876008) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-06T22:02Z 1457 followers, 1377 engagements


"(7/X) The really exciting news is that with $DAVE's newest underwriting model - CashAI v5.5 the Deliquency rate dropped to XXXX% in September and Dave gave guideance that the 28DPD rate would be below XXXX% for December"  
[X Link](https://x.com/AndrewM61370616/status/1985766618333614302) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:50Z 1456 followers, XXX engagements


"(8/X) On Cash AI v5.5 not only are deliquencies down on this new model but origination size went up on it. so you have a model that is X. extending more origination volume per customer while X. reducing deliquency's Sounds pretty great to me"  
[X Link](https://x.com/AndrewM61370616/status/1985767776934641940) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T17:55Z 1456 followers, XXX engagements


"(9/X) So in Summary this $DAVE Q: X. Showed MTM growth accelerating while CAC remained the same and GP/Customer went up resulting in lower CAC/MTM and faster payback periods X. Implemented their new underwriting model which has shown to be able to lend higher amounts while reducing deliquencies. X. Continued to drive incredible operating leverage having roughly XX cents of each dollar of gross profit drop to EBITDA. X. Saw continued growth in ARPU. All while delivering great current Q results. As fundamental/long term shareholders we are not worried what $DAVE does today but for us this was"  
[X Link](https://x.com/AndrewM61370616/status/1985769546884559151) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-04T18:02Z 1456 followers, 1117 engagements


"@BarnieTaintpipe Maybe i'll go buy a roomba"  
[X Link](https://x.com/AndrewM61370616/status/1986893012270744034) [@AndrewM61370616](/creator/x/AndrewM61370616) 2025-11-07T20:26Z 1456 followers, XXX engagements