[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.] #  @HenryInvests Henry Henry posts on X about $upst, balance sheet, $grnd, has been the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1405936339753787393/interactions)  - X Week XXXXXX +43% - X Month XXXXXXX +119% - X Months XXXXXXXXX -XX% - X Year XXXXXXXXX +344% ### Mentions: XX [#](/creator/twitter::1405936339753787393/posts_active)  - X Week XX -XX% - X Month XX -XXXX% - X Months XXX -XX% - X Year XXXXX +142% ### Followers: XXXXX [#](/creator/twitter::1405936339753787393/followers)  - X Week XXXXX +0.37% - X Month XXXXX +3.70% - X Months XXXXX +37% - X Year XXXXX +158% ### CreatorRank: XXXXXXX [#](/creator/twitter::1405936339753787393/influencer_rank)  ### Social Influence [#](/creator/twitter::1405936339753787393/influence) --- **Social category influence** [finance](/list/finance) XXX% [countries](/list/countries) XXXX% [stocks](/list/stocks) XXXX% [technology brands](/list/technology-brands) XXXX% **Social topic influence** [$upst](/topic/$upst) #10, [balance sheet](/topic/balance-sheet) #1095, [$grnd](/topic/$grnd) #4, [has been](/topic/has-been) 0.48%, [credit union](/topic/credit-union) #96, [goldman sachs](/topic/goldman-sachs) 0.24%, [$339m](/topic/$339m) 0.24%, [$369m](/topic/$369m) 0.24%, [$681m](/topic/$681m) 0.24%, [$117b](/topic/$117b) XXXX% **Top accounts mentioned or mentioned by** [@upstart](/creator/undefined) [@playsmart9](/creator/undefined) [@wayne81573](/creator/undefined) [@bjmtweets](/creator/undefined) [@stockzombie22](/creator/undefined) [@vasilist](/creator/undefined) [@caleb___ford](/creator/undefined) [@boilerjoe99](/creator/undefined) [@davegirouard](/creator/undefined) [@kshriramsharma](/creator/undefined) [@douglaschadwel4](/creator/undefined) [@macneillpatrick](/creator/undefined) [@goddreng10](/creator/undefined) [@ptreeh](/creator/undefined) [@gfilche](/creator/undefined) [@japdongsanee](/creator/undefined) [@upstarts](/creator/undefined) [@mapletreecap](/creator/undefined) [@rajthegreat100](/creator/undefined) [@kayschnd](/creator/undefined) **Top assets mentioned** [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [SuperWalk (GRND)](/topic/$grnd) [Goldman Sachs (GS)](/topic/goldman-sachs) [Electronic Arts Inc. (EA)](/topic/$ea) ### Top Social Posts [#](/creator/twitter::1405936339753787393/posts) --- Top posts by engagements in the last XX hours "🚨 LIVE: A @Rebellionair3 Exclusive: @Upstart $UPST Trustpilot Index (#UTPI) has re-accelerated Q4 is off to the strongest start ever of the UTPI era. Risks remain - UTPI's August hiccup constrained Q3 growth leaves questions surrounding new product verticals and balance sheet exposure. Read the entire report 👇" [X Link](https://x.com/HenryInvests/status/1976714382496481325) [@HenryInvests](/creator/x/HenryInvests) 2025-10-10T18:20Z 5665 followers, 15.8K engagements "Credit losses came in much lower than expected across the board during bank earnings this morning. Goldman Sachs: $339M vs $369M est Wells Fargo: $681M vs $1.17B est JP Morgan $2.4B vs $3.08B est Someone call BTIG and ask them about the credit blowup $UPST" [X Link](https://x.com/HenryInvests/status/1978070304741114334) [@HenryInvests](/creator/x/HenryInvests) 2025-10-14T12:08Z 5657 followers, 13.9K engagements "@PopCrave $GRND Grindr is public for those wondering business has been doing very well as of late" [X Link](https://x.com/HenryInvests/status/1904620355391807859) [@HenryInvests](/creator/x/HenryInvests) 2025-03-25T19:44Z 5665 followers, 16.9K engagements "$GRND Grindr explores take-private after lender calls insiders loans" [X Link](https://x.com/HenryInvests/status/1977768150235029747) [@HenryInvests](/creator/x/HenryInvests) 2025-10-13T16:07Z 5665 followers, 11.4K engagements "@teowk2020 Large Language Models - think ChatGPT Grok Gemini etc" [X Link](https://x.com/HenryInvests/status/1979254464818155571) [@HenryInvests](/creator/x/HenryInvests) 2025-10-17T18:33Z 5665 followers, XXX engagements "This ABS securitization news for $UPST definitely explains the sell-off as defaults rose quickly in July and August. During July and August UMI increased XX points from XXXX in June to XXXX in August. Keep in mind the Upstart guidance assumes a UMI of XXXX. This seems to align with the industry as non-prime Auto has been under a lot of stress (i.e. Tricolor CarMax). However in the August UMI release Upstart did say that "prepayments have been rising" adding that "may be some cause for optimism" suggesting Upstart is aware of the elevated default pressure. This could explain the #UTPI dip seen" [X Link](https://x.com/HenryInvests/status/1972652303241855133) [@HenryInvests](/creator/x/HenryInvests) 2025-09-29T13:18Z 5662 followers, 17.3K engagements "Just found a company with the following business model (see if you can guess): 1) sells a one-time expensive product upfront 2) then sell an incremental additional product needed each time first product is used 3) offer an end-to-end platform that helps customer manage workflows and logistics of product 4) the product is a net positive for society now that sounds like a good business" [X Link](https://x.com/HenryInvests/status/1974169639912439815) [@HenryInvests](/creator/x/HenryInvests) 2025-10-03T17:48Z 5662 followers, 16K engagements "$EA is $XXX today the Saudis will be paying $210/share and the deal closes in June. That's an extremely likely X% return over the next X months or XXX% CAGR. Would you hold your EA shares Or is the opportunity cost too great 🤔" [X Link](https://x.com/HenryInvests/status/1975201737310097521) [@HenryInvests](/creator/x/HenryInvests) 2025-10-06T14:09Z 5662 followers, 1754 engagements "That feeling when your $GRND January 2028 $XX LEAPS go to $X b/c big shareholders pledged stock as collateral for personal ventures and defaulted forcing a buyout at $15" [X Link](https://x.com/HenryInvests/status/1977776516491624804) [@HenryInvests](/creator/x/HenryInvests) 2025-10-13T16:40Z 5663 followers, 3278 engagements "Remember: as UMI (macro risk) goes higher approvals/conversion decrease. Growing originations into rising UMI signals enhanced/improved underwriting that trumps macro. Thats why @davegirouard says when macro clouds rescind the goodness of $UPST business will truly begin to show. I still dont think the broader market understands how strong these macro tailwinds will eventually be" [X Link](https://x.com/HenryInvests/status/1978077784497946736) [@HenryInvests](/creator/x/HenryInvests) 2025-10-14T12:37Z 5662 followers, 4691 engagements "Corporate America Family Credit Union brings $830M in AUM and over 68000 members to the @Upstart Referral Network $UPST" [X Link](https://x.com/HenryInvests/status/1978461930785272183) [@HenryInvests](/creator/x/HenryInvests) 2025-10-15T14:04Z 5665 followers, 6441 engagements "My understanding is that as $UPST rolls out more credit products at scale (Auto Home Revolving Credit) they will then lay the gas on marketing. With a more comprehensive product suite (including prime T-Prime) Upstart can be relevant for nearly every American borrower. To get here the balance sheet must be used as a bridge while these products reach maturity a necessary evil. I see the vision @davegirouard" [X Link](https://x.com/HenryInvests/status/1979913436474769915) [@HenryInvests](/creator/x/HenryInvests) 2025-10-19T14:12Z 5665 followers, 2035 engagements "Upstart $UPST expands to Canada" [X Link](https://x.com/HenryInvests/status/1975666586452434989) [@HenryInvests](/creator/x/HenryInvests) 2025-10-07T20:56Z 5665 followers, 11.5K engagements "Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans" [X Link](https://x.com/HenryInvests/status/1978448479417458875) [@HenryInvests](/creator/x/HenryInvests) 2025-10-15T13:10Z 5665 followers, 23.8K engagements "After speaking with $UPST investor relations I can offer some context here: Upstart Mortgage an affiliate of Upstart originates HELOCs and CAFCU has the ability to purchase these loans from that entity on an ongoing basis through a forward flow agreement. This is not a sale of existing HELOCs off balance sheet. Instead it represents a new funding source for one of Upstarts new products" [X Link](https://x.com/HenryInvests/status/1978538426434740626) [@HenryInvests](/creator/x/HenryInvests) 2025-10-15T19:08Z 5665 followers, 11K engagements ""By 2027 will LLMs be part of underwriting" Paul Gu: "Yes" $UPST" [X Link](https://x.com/HenryInvests/status/1979239804639330640) [@HenryInvests](/creator/x/HenryInvests) 2025-10-17T17:35Z 5665 followers, 3424 engagements "We are early $UPST" [X Link](https://x.com/HenryInvests/status/1979587500348748262) [@HenryInvests](/creator/x/HenryInvests) 2025-10-18T16:36Z 5665 followers, 3707 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.]
@HenryInvests Henry
Henry posts on X about $upst, balance sheet, $grnd, has been the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +43%
- X Month XXXXXXX +119%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXX +344%
Mentions: XX #
- X Week XX -XX%
- X Month XX -XXXX%
- X Months XXX -XX%
- X Year XXXXX +142%
Followers: XXXXX #
- X Week XXXXX +0.37%
- X Month XXXXX +3.70%
- X Months XXXXX +37%
- X Year XXXXX +158%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance XXX% countries XXXX% stocks XXXX% technology brands XXXX%
Social topic influence $upst #10, balance sheet #1095, $grnd #4, has been 0.48%, credit union #96, goldman sachs 0.24%, $339m 0.24%, $369m 0.24%, $681m 0.24%, $117b XXXX%
Top accounts mentioned or mentioned by @upstart @playsmart9 @wayne81573 @bjmtweets @stockzombie22 @vasilist @caleb___ford @boilerjoe99 @davegirouard @kshriramsharma @douglaschadwel4 @macneillpatrick @goddreng10 @ptreeh @gfilche @japdongsanee @upstarts @mapletreecap @rajthegreat100 @kayschnd
Top assets mentioned Upstart Holdings, Inc. Common stock (UPST) SuperWalk (GRND) Goldman Sachs (GS) Electronic Arts Inc. (EA)
Top Social Posts #
Top posts by engagements in the last XX hours
"🚨 LIVE: A @Rebellionair3 Exclusive: @Upstart $UPST Trustpilot Index (#UTPI) has re-accelerated Q4 is off to the strongest start ever of the UTPI era. Risks remain - UTPI's August hiccup constrained Q3 growth leaves questions surrounding new product verticals and balance sheet exposure. Read the entire report 👇"
X Link @HenryInvests 2025-10-10T18:20Z 5665 followers, 15.8K engagements
"Credit losses came in much lower than expected across the board during bank earnings this morning. Goldman Sachs: $339M vs $369M est Wells Fargo: $681M vs $1.17B est JP Morgan $2.4B vs $3.08B est Someone call BTIG and ask them about the credit blowup $UPST"
X Link @HenryInvests 2025-10-14T12:08Z 5657 followers, 13.9K engagements
"@PopCrave $GRND Grindr is public for those wondering business has been doing very well as of late"
X Link @HenryInvests 2025-03-25T19:44Z 5665 followers, 16.9K engagements
"$GRND Grindr explores take-private after lender calls insiders loans"
X Link @HenryInvests 2025-10-13T16:07Z 5665 followers, 11.4K engagements
"@teowk2020 Large Language Models - think ChatGPT Grok Gemini etc"
X Link @HenryInvests 2025-10-17T18:33Z 5665 followers, XXX engagements
"This ABS securitization news for $UPST definitely explains the sell-off as defaults rose quickly in July and August. During July and August UMI increased XX points from XXXX in June to XXXX in August. Keep in mind the Upstart guidance assumes a UMI of XXXX. This seems to align with the industry as non-prime Auto has been under a lot of stress (i.e. Tricolor CarMax). However in the August UMI release Upstart did say that "prepayments have been rising" adding that "may be some cause for optimism" suggesting Upstart is aware of the elevated default pressure. This could explain the #UTPI dip seen"
X Link @HenryInvests 2025-09-29T13:18Z 5662 followers, 17.3K engagements
"Just found a company with the following business model (see if you can guess): 1) sells a one-time expensive product upfront 2) then sell an incremental additional product needed each time first product is used 3) offer an end-to-end platform that helps customer manage workflows and logistics of product 4) the product is a net positive for society now that sounds like a good business"
X Link @HenryInvests 2025-10-03T17:48Z 5662 followers, 16K engagements
"$EA is $XXX today the Saudis will be paying $210/share and the deal closes in June. That's an extremely likely X% return over the next X months or XXX% CAGR. Would you hold your EA shares Or is the opportunity cost too great 🤔"
X Link @HenryInvests 2025-10-06T14:09Z 5662 followers, 1754 engagements
"That feeling when your $GRND January 2028 $XX LEAPS go to $X b/c big shareholders pledged stock as collateral for personal ventures and defaulted forcing a buyout at $15"
X Link @HenryInvests 2025-10-13T16:40Z 5663 followers, 3278 engagements
"Remember: as UMI (macro risk) goes higher approvals/conversion decrease. Growing originations into rising UMI signals enhanced/improved underwriting that trumps macro. Thats why @davegirouard says when macro clouds rescind the goodness of $UPST business will truly begin to show. I still dont think the broader market understands how strong these macro tailwinds will eventually be"
X Link @HenryInvests 2025-10-14T12:37Z 5662 followers, 4691 engagements
"Corporate America Family Credit Union brings $830M in AUM and over 68000 members to the @Upstart Referral Network $UPST"
X Link @HenryInvests 2025-10-15T14:04Z 5665 followers, 6441 engagements
"My understanding is that as $UPST rolls out more credit products at scale (Auto Home Revolving Credit) they will then lay the gas on marketing. With a more comprehensive product suite (including prime T-Prime) Upstart can be relevant for nearly every American borrower. To get here the balance sheet must be used as a bridge while these products reach maturity a necessary evil. I see the vision @davegirouard"
X Link @HenryInvests 2025-10-19T14:12Z 5665 followers, 2035 engagements
"Upstart $UPST expands to Canada"
X Link @HenryInvests 2025-10-07T20:56Z 5665 followers, 11.5K engagements
"Corporate America Family Credit Union Selects Upstart $UPST for Personal Loans HELOCs and Auto Refinance Loans"
X Link @HenryInvests 2025-10-15T13:10Z 5665 followers, 23.8K engagements
"After speaking with $UPST investor relations I can offer some context here: Upstart Mortgage an affiliate of Upstart originates HELOCs and CAFCU has the ability to purchase these loans from that entity on an ongoing basis through a forward flow agreement. This is not a sale of existing HELOCs off balance sheet. Instead it represents a new funding source for one of Upstarts new products"
X Link @HenryInvests 2025-10-15T19:08Z 5665 followers, 11K engagements
""By 2027 will LLMs be part of underwriting" Paul Gu: "Yes" $UPST"
X Link @HenryInvests 2025-10-17T17:35Z 5665 followers, 3424 engagements
"We are early $UPST"
X Link @HenryInvests 2025-10-18T16:36Z 5665 followers, 3707 engagements