[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @AverageDipBuyer AverageDipBuyer AverageDipBuyer posts on X about $sofi, $pypl, $four, $100b the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::896690684618571777/interactions)  - X Week XXXXXX +99% - X Month XXXXXXX -XX% - X Months XXXXXXXXX +103% - X Year XXXXXXXXX +156% ### Mentions: XX [#](/creator/twitter::896690684618571777/posts_active)  - X Week XX +35% - X Month XX -XX% - X Months XXX +69% - X Year XXX +51% ### Followers: XXXXX [#](/creator/twitter::896690684618571777/followers)  - X Week XXXXX +4% - X Month XXXXX +8.90% - X Months XXXXX +55% - X Year XXXXX +168% ### CreatorRank: XXXXXXX [#](/creator/twitter::896690684618571777/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) XXXXX% [finance](/list/finance) XXXXX% [technology brands](/list/technology-brands) XXXXX% [cryptocurrencies](/list/cryptocurrencies) XXXXX% [travel destinations](/list/travel-destinations) XXXX% [countries](/list/countries) XXXX% [products](/list/products) XXXX% [gaming](/list/gaming) XXXX% **Social topic influence** [$sofi](/topic/$sofi) #31, [$pypl](/topic/$pypl) #492, [$four](/topic/$four) #24, [$100b](/topic/$100b) #12, [sentiment](/topic/sentiment) #114, [acquisition](/topic/acquisition) 5.26%, [bullish](/topic/bullish) #2656, [wall street](/topic/wall-street) 2.63%, [longterm](/topic/longterm) 2.63%, [lapointe](/topic/lapointe) XXXX% **Top accounts mentioned or mentioned by** [@spike_1567](/creator/undefined) [@spike1567](/creator/undefined) [@winnerinvestor](/creator/undefined) [@lucelex](/creator/undefined) [@tallseller](/creator/undefined) [@rob97649740](/creator/undefined) [@forerunnerjman](/creator/undefined) [@breakingpeaks1](/creator/undefined) [@rodoinvesting](/creator/undefined) [@ghtheprophet](/creator/undefined) [@anthonynoto](/creator/undefined) [@qualtrim](/creator/undefined) [@dividendlearn](/creator/undefined) [@traderepublic](/creator/undefined) [@timsweeneytar](/creator/undefined) [@pepemoonboy](/creator/undefined) [@webdevepoler](/creator/undefined) [@0xwhceth](/creator/undefined) [@bliblubb8976](/creator/undefined) [@acolner](/creator/undefined) **Top assets mentioned** [RAI Finance (SOFI)](/topic/$sofi) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [4 (FOUR)](/topic/$four) [Metlife Inc (MET)](/topic/metlife) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) ### Top Social Posts Top posts by engagements in the last XX hours "$SoFi Just Signaled What Comes Next. (Spoilers: it will shock Wall Street) When SoFi first introduced long-term guidance back in early 2024 they projected XX to XX cents GAAP EPS for 2026. That single decision was the moment Wall Street had to stop hand-waving and start modeling. Not a single analyst believed it. Chris Lapointe did not give a new long-term EPS target at the UBS conference. But he gave something far more important: clear signals on the vision of management. He emphasized that SoFi is in a high growth scenario. He stated the long-term ROE target of XX to XX percent. He" [X Link](https://x.com/AverageDipBuyer/status/1996725384184783212) 2025-12-04T23:36Z 2843 followers, 19K engagements "First time seeing $SoFi on this list they even misspelled it" [X Link](https://x.com/AverageDipBuyer/status/1996921847586422934) 2025-12-05T12:37Z 2841 followers, 2759 engagements "Just finding out the 2026 World Cup will be played in SoFi Stadium and I had no idea. Even crazier: FIFA is forcing all U.S. stadiums to drop their sponsor names. SoFi becomes Los Angeles Stadium MetLife becomes New York New Jersey Stadium etc. All to keep venues clean for official sponsors. This is sadly just a part of the contract $SoFi signed for the naming-rights of the stadium. Luckily for the Super Bowl in 2027 SoFi won't have to rebrand the stadium. Just an interesting fact I stumbled upon" [X Link](https://x.com/AverageDipBuyer/status/1997374056962654680) 2025-12-06T18:34Z 2843 followers, 2195 engagements "At this point $SoFi should just raise another $3.6B turn that into $66B of new originations and still sit above required risk-based capital. That is XX% dilution to grow the loan book from $33B to $100B 🤯 Dont forget they have a net interest margin of XXX% on their loan book. Given Noto says they decline $100B in loan applications annually they should absolutely consider it as long as credit quality stays intact imo" [X Link](https://x.com/AverageDipBuyer/status/1997700610896924674) 2025-12-07T16:11Z 2843 followers, 3121 engagements "$PYPL is at peak fear now in terms of sentiment. Even the most loyal PayPal bulls are selling right now. However opportunity cost has never been a valid argument for me. People also kept saying that when $SoFi stayed around $X for years we all know what happened after. Fundamentals are intact guidance is intact however the turnaround by new management is taking way longer than expected. Also the communication by the CFO is focused on the things that are going wrong and not on the things that are going right. Buy broken stocks not broken businesses. Historically times like these proved out to" [X Link](https://x.com/AverageDipBuyer/status/1998026941165629533) 2025-12-08T13:48Z 2844 followers, 13.1K engagements "I might be the last $PYPL bull on this platform I havent seen a positive post on PayPal in weeks now. Thats probably the ultimate buy the dip signal" [X Link](https://x.com/AverageDipBuyer/status/1998075569943257460) 2025-12-08T17:01Z 2843 followers, 2719 engagements "@Lucelex If FCF deteriorates that would be a huge problem however no data indicates this event occurring" [X Link](https://x.com/AverageDipBuyer/status/1998081746890625158) 2025-12-08T17:26Z 2802 followers, XXX engagements "@Spike_1567 I don't know about the moat they also have intense competition. However I really really Iike $FOUR here. And it's a great candidate for an acquisition here as well" [X Link](https://x.com/AverageDipBuyer/status/1998096193646444691) 2025-12-08T18:23Z 2816 followers, XXX engagements "I've seen it happen at $DLO it's a verry common thing I see that merchants (especially large ones) switch POS systems when there is better tech/pricing available. If they'd be acquired it would be $120+ imo. Isaacman never wanted to sell even remotely close to $XXX back in the days and he's still on the board" [X Link](https://x.com/AverageDipBuyer/status/1998098452299776099) 2025-12-08T18:32Z 2832 followers, XXX engagements "@Spike_1567 True but look at the valuation. What is priced in right now Basically nothing" [X Link](https://x.com/AverageDipBuyer/status/1998094334646964620) 2025-12-08T18:16Z 2798 followers, XXX engagements "@Spike_1567 PayPal should just acquire $FOUR honestly lol" [X Link](https://x.com/AverageDipBuyer/status/1998100461308756041) 2025-12-08T18:40Z 2792 followers, XXX engagements "@TallSeller Users keep growing YoY. TPV and revenue as well. Just slower than expected. Have you considered all of the new products and venmo growth" [X Link](https://x.com/AverageDipBuyer/status/1998157631693701392) 2025-12-08T22:27Z 2822 followers, XXX engagements "If this capital raise is once again EPS accretive idc about the dilution $SoFi" [X Link](https://x.com/AverageDipBuyer/status/1996693727939907684) 2025-12-04T21:30Z 2735 followers, 2013 engagements "@WinnerInvestor Thats why I think either well get an acquisition or like $25B in extra unsecured loans for hyper-growth" [X Link](https://x.com/AverageDipBuyer/status/1997716395795296735) 2025-12-07T17:14Z 2745 followers, XXX engagements "@Rob97649740 True luckily theyve got the loan platform business to still originate these loans off-balance sheet taking no credit risk" [X Link](https://x.com/AverageDipBuyer/status/1997737042705563958) 2025-12-07T18:36Z 2750 followers, XXX engagements "@forerunnerjman Not a bad idea. Could also turn them into ITM calls. At a strike of $XX or something. Doubling your exposure" [X Link](https://x.com/AverageDipBuyer/status/1998038677705167349) 2025-12-08T14:35Z 2761 followers, XXX engagements "@Spike_1567 All true facts. I should probably be more bullish $FOUR and less bullish $PYPL haha" [X Link](https://x.com/AverageDipBuyer/status/1998099918704271640) 2025-12-08T18:38Z 2796 followers, XXX engagements "@Spike_1567 Jup. PayPal ads is also interesting and the integration with all LLM's is also promising a lot" [X Link](https://x.com/AverageDipBuyer/status/1998105972783689956) 2025-12-08T19:02Z 2780 followers, XX engagements "@Web_Devepoler Jup. CFO should absolutely improve her way of talking. It won't hurt to name a couple of positive things about the company as well" [X Link](https://x.com/AverageDipBuyer/status/1998153780232089910) 2025-12-08T22:12Z 2787 followers, XXX engagements "YOU'RE SERIOUSLY BEARISH $SOFI GOING INTO 2026 WITH THESE CATALYSTS US Govt privatizing student loans/refi tsunami S&P XXX inclusion (eligible now billions in passive buys) Trump Accounts with seed money of $1k per baby starting 2026 LPB shift from unsecured loans: scaling to $1B+ rev capturing $100B denied loans (deserves rerating: Mastercard-like 70x P/TBV vs SoFi's 5x ex-raise) Business banking ramp: massive hiring underway Stablecoin launch Q1: SoFi USD + crypto payment rails for SoFi/Galileo Full crypto relaunch: brokerage staking crypto-backed lending Global instant" [X Link](https://x.com/AverageDipBuyer/status/1998677461396079029) 2025-12-10T08:53Z 2844 followers, 1657 engagements "$PYPL GREEN ON A DAY LIKE TODAY" [X Link](https://x.com/AverageDipBuyer/status/1995508650937561099) 2025-12-01T15:01Z 2829 followers, 1838 engagements "@BreakingPeaks1 Revenue and EPS guidance is intact. 2026 indeed will have low organic EPS growth but that means it is still growing. They arent likely to implement the effect of share buybacks into their guidance. I agree with you on the fact that they manage to keep disappointing shareholders" [X Link](https://x.com/AverageDipBuyer/status/1998083468543017071) 2025-12-08T17:33Z 2829 followers, XXX engagements "@Spike_1567 Absolutely true. Four's model is superior to a pure PSP play but that doesn't mean the moat is impenetrable. This discussion actually made me even more bullish $FOUR" [X Link](https://x.com/AverageDipBuyer/status/1998099724713480562) 2025-12-08T18:37Z 2798 followers, XXX engagements "$SoFi will completely reshape finance as we know it. Be ready" [X Link](https://x.com/AverageDipBuyer/status/1998158439663489281) 2025-12-08T22:31Z 2843 followers, 1455 engagements "Yeah has also been a weak point of my personality. Im often investing in great companies but I just keep selling to early. I keep selling after a 3-5x when a lot of these stocks went up 10-20x. Theyve always had these unsecured loans and they never proved to be a problem. Even in more difficult macros. I feel like all negativity right now is just sentiment. I would absolutely not compare it to $BMNR. Thats just a ponzi to buy as many imaginary coins as possible that have zero value IRL. Sorry thats my stubborn anti-crypto opinion. I see the use case for $ETH and its massive But why the coin" [X Link](https://x.com/AverageDipBuyer/status/1998468030955741679) 2025-12-09T19:01Z 2816 followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@AverageDipBuyer AverageDipBuyer
AverageDipBuyer posts on X about $sofi, $pypl, $four, $100b the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +99%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +103%
- X Year XXXXXXXXX +156%
Mentions: XX #
- X Week XX +35%
- X Month XX -XX%
- X Months XXX +69%
- X Year XXX +51%
Followers: XXXXX #
- X Week XXXXX +4%
- X Month XXXXX +8.90%
- X Months XXXXX +55%
- X Year XXXXX +168%
CreatorRank: XXXXXXX #
Social Influence
Social category influence stocks XXXXX% finance XXXXX% technology brands XXXXX% cryptocurrencies XXXXX% travel destinations XXXX% countries XXXX% products XXXX% gaming XXXX%
Social topic influence $sofi #31, $pypl #492, $four #24, $100b #12, sentiment #114, acquisition 5.26%, bullish #2656, wall street 2.63%, longterm 2.63%, lapointe XXXX%
Top accounts mentioned or mentioned by @spike_1567 @spike1567 @winnerinvestor @lucelex @tallseller @rob97649740 @forerunnerjman @breakingpeaks1 @rodoinvesting @ghtheprophet @anthonynoto @qualtrim @dividendlearn @traderepublic @timsweeneytar @pepemoonboy @webdevepoler @0xwhceth @bliblubb8976 @acolner
Top assets mentioned RAI Finance (SOFI) PayPal Holdings Inc (PYPL) 4 (FOUR) Metlife Inc (MET) DLocal Limited Class A Common Shares (DLO)
Top Social Posts
Top posts by engagements in the last XX hours
"$SoFi Just Signaled What Comes Next. (Spoilers: it will shock Wall Street) When SoFi first introduced long-term guidance back in early 2024 they projected XX to XX cents GAAP EPS for 2026. That single decision was the moment Wall Street had to stop hand-waving and start modeling. Not a single analyst believed it. Chris Lapointe did not give a new long-term EPS target at the UBS conference. But he gave something far more important: clear signals on the vision of management. He emphasized that SoFi is in a high growth scenario. He stated the long-term ROE target of XX to XX percent. He"
X Link 2025-12-04T23:36Z 2843 followers, 19K engagements
"First time seeing $SoFi on this list they even misspelled it"
X Link 2025-12-05T12:37Z 2841 followers, 2759 engagements
"Just finding out the 2026 World Cup will be played in SoFi Stadium and I had no idea. Even crazier: FIFA is forcing all U.S. stadiums to drop their sponsor names. SoFi becomes Los Angeles Stadium MetLife becomes New York New Jersey Stadium etc. All to keep venues clean for official sponsors. This is sadly just a part of the contract $SoFi signed for the naming-rights of the stadium. Luckily for the Super Bowl in 2027 SoFi won't have to rebrand the stadium. Just an interesting fact I stumbled upon"
X Link 2025-12-06T18:34Z 2843 followers, 2195 engagements
"At this point $SoFi should just raise another $3.6B turn that into $66B of new originations and still sit above required risk-based capital. That is XX% dilution to grow the loan book from $33B to $100B 🤯 Dont forget they have a net interest margin of XXX% on their loan book. Given Noto says they decline $100B in loan applications annually they should absolutely consider it as long as credit quality stays intact imo"
X Link 2025-12-07T16:11Z 2843 followers, 3121 engagements
"$PYPL is at peak fear now in terms of sentiment. Even the most loyal PayPal bulls are selling right now. However opportunity cost has never been a valid argument for me. People also kept saying that when $SoFi stayed around $X for years we all know what happened after. Fundamentals are intact guidance is intact however the turnaround by new management is taking way longer than expected. Also the communication by the CFO is focused on the things that are going wrong and not on the things that are going right. Buy broken stocks not broken businesses. Historically times like these proved out to"
X Link 2025-12-08T13:48Z 2844 followers, 13.1K engagements
"I might be the last $PYPL bull on this platform I havent seen a positive post on PayPal in weeks now. Thats probably the ultimate buy the dip signal"
X Link 2025-12-08T17:01Z 2843 followers, 2719 engagements
"@Lucelex If FCF deteriorates that would be a huge problem however no data indicates this event occurring"
X Link 2025-12-08T17:26Z 2802 followers, XXX engagements
"@Spike_1567 I don't know about the moat they also have intense competition. However I really really Iike $FOUR here. And it's a great candidate for an acquisition here as well"
X Link 2025-12-08T18:23Z 2816 followers, XXX engagements
"I've seen it happen at $DLO it's a verry common thing I see that merchants (especially large ones) switch POS systems when there is better tech/pricing available. If they'd be acquired it would be $120+ imo. Isaacman never wanted to sell even remotely close to $XXX back in the days and he's still on the board"
X Link 2025-12-08T18:32Z 2832 followers, XXX engagements
"@Spike_1567 True but look at the valuation. What is priced in right now Basically nothing"
X Link 2025-12-08T18:16Z 2798 followers, XXX engagements
"@Spike_1567 PayPal should just acquire $FOUR honestly lol"
X Link 2025-12-08T18:40Z 2792 followers, XXX engagements
"@TallSeller Users keep growing YoY. TPV and revenue as well. Just slower than expected. Have you considered all of the new products and venmo growth"
X Link 2025-12-08T22:27Z 2822 followers, XXX engagements
"If this capital raise is once again EPS accretive idc about the dilution $SoFi"
X Link 2025-12-04T21:30Z 2735 followers, 2013 engagements
"@WinnerInvestor Thats why I think either well get an acquisition or like $25B in extra unsecured loans for hyper-growth"
X Link 2025-12-07T17:14Z 2745 followers, XXX engagements
"@Rob97649740 True luckily theyve got the loan platform business to still originate these loans off-balance sheet taking no credit risk"
X Link 2025-12-07T18:36Z 2750 followers, XXX engagements
"@forerunnerjman Not a bad idea. Could also turn them into ITM calls. At a strike of $XX or something. Doubling your exposure"
X Link 2025-12-08T14:35Z 2761 followers, XXX engagements
"@Spike_1567 All true facts. I should probably be more bullish $FOUR and less bullish $PYPL haha"
X Link 2025-12-08T18:38Z 2796 followers, XXX engagements
"@Spike_1567 Jup. PayPal ads is also interesting and the integration with all LLM's is also promising a lot"
X Link 2025-12-08T19:02Z 2780 followers, XX engagements
"@Web_Devepoler Jup. CFO should absolutely improve her way of talking. It won't hurt to name a couple of positive things about the company as well"
X Link 2025-12-08T22:12Z 2787 followers, XXX engagements
"YOU'RE SERIOUSLY BEARISH $SOFI GOING INTO 2026 WITH THESE CATALYSTS US Govt privatizing student loans/refi tsunami S&P XXX inclusion (eligible now billions in passive buys) Trump Accounts with seed money of $1k per baby starting 2026 LPB shift from unsecured loans: scaling to $1B+ rev capturing $100B denied loans (deserves rerating: Mastercard-like 70x P/TBV vs SoFi's 5x ex-raise) Business banking ramp: massive hiring underway Stablecoin launch Q1: SoFi USD + crypto payment rails for SoFi/Galileo Full crypto relaunch: brokerage staking crypto-backed lending Global instant"
X Link 2025-12-10T08:53Z 2844 followers, 1657 engagements
"$PYPL GREEN ON A DAY LIKE TODAY"
X Link 2025-12-01T15:01Z 2829 followers, 1838 engagements
"@BreakingPeaks1 Revenue and EPS guidance is intact. 2026 indeed will have low organic EPS growth but that means it is still growing. They arent likely to implement the effect of share buybacks into their guidance. I agree with you on the fact that they manage to keep disappointing shareholders"
X Link 2025-12-08T17:33Z 2829 followers, XXX engagements
"@Spike_1567 Absolutely true. Four's model is superior to a pure PSP play but that doesn't mean the moat is impenetrable. This discussion actually made me even more bullish $FOUR"
X Link 2025-12-08T18:37Z 2798 followers, XXX engagements
"$SoFi will completely reshape finance as we know it. Be ready"
X Link 2025-12-08T22:31Z 2843 followers, 1455 engagements
"Yeah has also been a weak point of my personality. Im often investing in great companies but I just keep selling to early. I keep selling after a 3-5x when a lot of these stocks went up 10-20x. Theyve always had these unsecured loans and they never proved to be a problem. Even in more difficult macros. I feel like all negativity right now is just sentiment. I would absolutely not compare it to $BMNR. Thats just a ponzi to buy as many imaginary coins as possible that have zero value IRL. Sorry thats my stubborn anti-crypto opinion. I see the use case for $ETH and its massive But why the coin"
X Link 2025-12-09T19:01Z 2816 followers, XX engagements