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#  @MMoney642 Mindset for Money, CPA
Several companies are making significant strides in their respective industries, including $dave, a fintech company offering short-term loans with no interest or origination fees, and $uber, which has invested in Lucid Motors and is expanding its advertising capabilities. Additionally, companies like $zeta, $gamb, and $oscr are showing impressive growth and innovation in their fields, with $zeta's net revenue retention rate and $oscr's tech platform handling tasks efficiently. These companies, along with others like $goog, $nvo, and $amd, are worth noting for their potential and current performance.
### Engagements: XXXXXXX [#](/creator/twitter::1856832756896153600/interactions)
- X Week XXXXXXX +77%
- X Month XXXXXXXXX +2.60%
### Mentions: XXX [#](/creator/twitter::1856832756896153600/posts_active)
- X Week XXX +35%
- X Month XXX +14%
### Followers: XXXXXX [#](/creator/twitter::1856832756896153600/followers)
- X Week XXXXXX +11%
- X Month XXXXXX +52%
### CreatorRank: XXXXXX [#](/creator/twitter::1856832756896153600/influencer_rank)
### Social Influence [#](/creator/twitter::1856832756896153600/influence)
---
**Social category influence**
[finance](/list/finance) #1191 [stocks](/list/stocks) #2058 [technology brands](/list/technology-brands) XXXXX% [cryptocurrencies](/list/cryptocurrencies) #3032 [countries](/list/countries) XXXX% [automotive brands](/list/automotive-brands) XXXX% [social networks](/list/social-networks) XXXX% [fashion brands](/list/fashion-brands) XXXX% [currencies](/list/currencies) XXXX%
**Social topic influence**
[$dave](/topic/$dave) #618, [hims](/topic/hims) #4, [$hims](/topic/$hims) #3, [goog](/topic/goog) #21, [$goog](/topic/$goog) #18, [$zeta](/topic/$zeta) #14, [$uber](/topic/$uber) #64, [asml](/topic/asml) 3.25%, [$amd](/topic/$amd) 3.25%, [$nvo](/topic/$nvo) XXXX%
**Top accounts mentioned or mentioned by**
[@tacticzh](/creator/undefined) [@sojustfollowme](/creator/undefined) [@bagholderiq](/creator/undefined) [@meeijer](/creator/undefined) [@dividendngrowth](/creator/undefined) [@longoption](/creator/undefined) [@vhilife](/creator/undefined) [@theeuinvestor](/creator/undefined) [@jonroberts91](/creator/undefined) [@twittanner](/creator/undefined) [@dappspecialist](/creator/undefined) [@thewealthtrap](/creator/undefined) [@wealthmatica](/creator/undefined) [@alc2022](/creator/undefined) [@qualityinvest5](/creator/undefined) [@everydaystocksx](/creator/undefined) [@mattilich](/creator/undefined) [@thestockbro](/creator/undefined) [@newcomerinvest](/creator/undefined) [@grok](/creator/undefined)
**Top assets mentioned**
[Dave Inc. Class A Common Stock (DAVE)](/topic/$dave) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Alphabet Inc Class A (GOOGL)](/topic/$goog) [ZetaChain (ZETA)](/topic/$zeta) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Advanced Micro Devices (AMD)](/topic/$amd) [Novo-Nordisk (NVO)](/topic/$nvo) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [MercadoLibre Inc (MELI)](/topic/$meli) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [RAI Finance (SOFI)](/topic/$sofi) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Brookfield Corporation (BN)](/topic/$bn) [Super Micro Computer, Inc. Common Stock (SMCI)](/topic/$smci) [Lemonade, Inc. (LMND)](/topic/$lmnd) [On Holding AG (ONON)](/topic/$onon) [Wise (WISE)](/topic/$wise) [Rocket Lab USA, Inc. Common Stock (RKLB)](/topic/$rklb) [NVIDIA Corp. (NVDA)](/topic/$nvda) [IonQ, Inc. (IONQ)](/topic/$ionq) [Arista Networks Inc (ANET)](/topic/$anet) [Sea Limited (SE)](/topic/$se) [Micron Technology, Inc. (MU)](/topic/$mu) [Dutch Bros Inc. (BROS)](/topic/$bros) [aelf (ELF)](/topic/$elf) [TransMedics Group, Inc. Common Stock (TMDX)](/topic/$tmdx) [Microsoft Corp. (MSFT)](/topic/microsoft) [SoFi Technologies, Inc. Common Stock (SOFI)](/topic/sofi-technologies) [Adobe, Inc. (ADBE)](/topic/$adbe) [Spotify Technology (SPOT)](/topic/$spot) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Tesla, Inc. (TSLA)](/topic/$tsla) [Axon Enterprise, Inc. (AXON)](/topic/$axon) [Taiwan Semiconductor (TSM)](/topic/$tsm) [Deckers Outdoor, Corp. (DECK)](/topic/$deck) [Metadium (META)](/topic/$meta) [Lululemon Athletica Inc (LULU)](/topic/$lulu) [Intuitive Surgical, Inc. (ISRG)](/topic/$isrg) [Okta Inc (OKTA)](/topic/$okta) [Oklo Inc. (OKLO)](/topic/$oklo) [Carvana Co. (CVNA)](/topic/$cvna) [DraftKings Inc. Class A Common Stock (DKNG)](/topic/$dkng)
### Top Social Posts [#](/creator/twitter::1856832756896153600/posts)
---
Top posts by engagements in the last XX hours
"Financials: Fixed Costs Are Falling Fixed costs are a hurdle for many EWA businesses but $DAVE is scaling past them. As a % of revenue these costs are falling consistently. Management continues to improve efficiency"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920245995712861) 2025-07-20 13:08:53 UTC 12.9K followers, XXX engagements
"8/ $OKTA Okta Okta provides identity and access management tools that help companies control who can access their systems. It's used by businesses to verify users and devices in real time. Management is focused on expanding its customer base and driving profitability after several years of heavy investment"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1942652883318476810) 2025-07-08 18:31:54 UTC 12.7K followers, 22.5K engagements
"9/ $OKLO Oklo Inc. Oklo is going small in a space thats always been massive. How Their compact nuclear reactors run on recycled fuel and can be deployed quickly. While traditional plants take decades Oklo aims for months. With the power needs of AI and data centers rising this could fill a MAJOR gap"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925252393111929) 2025-07-17 19:15:08 UTC 13K followers, 18.6K engagements
"Looking for a new research project I got XX companies that meet the following criteria: - Price/Sales 8x - Revenue Growth XX% - Future revenue growth (2yrs) XX% - PROFITABLE Lets dive in: 1/ $HIMS Hims and Hers P/S: 6.3x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Started with hair loss meds and ED pills. Has since moved into GLP-1s and mental health. Vertical integration across pharmacy fulfillment and care delivery is how they control margin. Subscription health with scale"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386245124133175) 2025-07-21 20:00:36 UTC 13K followers, 102.2K engagements
"1/ What does $DAVE do Dave is the underdog of finance helping Americans living paycheck to paycheck. They offer $XXX short-term loans with no interest or origination fees. These loans help users avoid costly overdraft charges. Its a win for the borrower"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920201099813034) 2025-07-20 13:08:42 UTC 13K followers, 2241 engagements
"@TacticzH Id buy Google and ASML today 🫡"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947254261038944405) 2025-07-21 11:16:08 UTC 12.9K followers, XXX engagements
"@JonRoberts91 at 13x fwd P/ocf all of this is priced in and even more IMO"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947327180473528324) 2025-07-21 16:05:54 UTC 13K followers, XXX engagements
"Alright I have X companies that have IMPROVED THEIR FINANCIALS over the last few years but the stock price has NOT MOVED OR IS CHEAPER. Whether they were OVERVALUED BEFORE or UNDERVALUED NOW is up to you: 1/ $OSCR Oscar Health A tech first insurer facing a clear headwind: expiring subsidies and now a repeal of ACA via the BBB. But even if they lapse management expects to remain profitable. The stocks low valuation reflects a worst case political scenario that may never happen. Meanwhile fundamentals keep climbing"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1942652863240372449) 2025-07-08 18:31:49 UTC 13K followers, 283.1K engagements
"Here are XX companies expected to grow revenues at a 20%+ YOY over the next X years and still trading under 8x sales: $CDLR Cadeler: XX% $SMCI Super Micro: XX% $HIMS Hims & Hers: XX% $MU Micron: XX% $LMND Lemonade: XX% $MELI MercadoLibre: XX% $DLO DLocal: XX% $CVNA Carvana: XX% $DKNG DraftKings: XX% $ONON On Holding: XX% $DAVE Dave Inc: XX% $BROS Dutch Bros: XX% $SE Sea Ltd: XX% $ELF e.l.f. Beauty: XX% $SOFI SoFi: XX% $GAMB XX% $RIVN Rivian: XX% $TOST Toast: XX% $AMD AMD: XX% $ZETA Zeta Global: XX% Do you own any of these names"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939035790937342071) 2025-06-28 18:58:52 UTC 12.7K followers, 54.7K engagements
"Over the last X or so years these X companies have grown their operating cash flows FASTER than their valuation. These businesses are generating more operating cash for every dollar of market value. 1/ $EVO Evolution AB"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1936089569688002788) 2025-06-20 15:51:38 UTC 13K followers, 20.5K engagements
"This slide breaks it down. Worried about consumers defaulting on loans from $DAVE They use their proprietary CashAI underwriting engine to analyze real time cash flow data and make smarter lending decisions. Operational efficiency with capital protection"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945557981426331903) 2025-07-16 18:55:44 UTC 13K followers, 2440 engagements
"The Dave Card Strategy $DAVE also offers a debit card and checking account as part of its product suite. The card provides: - No mandatory banking fees - Early access to paychecks - Free ATM usage - High-yield savings - Instant access to ExtraCash By offering a checking account Dave increases user engagement and creates stronger loyalty around its lending products. While the card does not contribute meaningfully to revenue today spend volume is growing and is now approaching $XXX million per quarter. It supports their broader strategy of retaining users and deepening product adoption"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920224365691068) 2025-07-20 13:08:48 UTC 13K followers, 1060 engagements
"@DividendNGrowth I like $ZETA but I like $DAVE even more. may I interest you in a $DAVE thesis (shameless plug)"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947038669371572567) 2025-07-20 20:59:27 UTC 13K followers, 2764 engagements
"Profitable companies that have grown revenues by at least XX% annually over the last X years and are still trading under 7x sales: $OSCR Oscar Health XX% $SMCI Super Micro XX% $CDLR Cadeler XX% $ELF e.l.f. Beauty XX% $MELI MercadoLibre XX% $HIMS Hims & Hers XX% $WISE Wise XX% $ONON On Holding XX% $ROOT Root XX% $PDD Pinduoduo XX% What is the best deal here What are you buying"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1943027990780055636) 2025-07-09 19:22:27 UTC 13K followers, 49.3K engagements
"17/ $PAY Paymentus Holdings P/S: 3.8x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Ever paid a utility bill online You mightve used Paymentus and didnt even realize it. Theyre the infrastructure behind government healthcare telecom payments. High retention low visibility strong rails"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386301403303989) 2025-07-21 20:00:49 UTC 13K followers, 4025 engagements
"18/ $ACN Accenture ROIC XX YR Average: 26%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754262701253047) 2025-06-30 18:33:49 UTC 13K followers, 1248 engagements
"Lucid Investment $UBER isnt just partnering with the big AV players. Theyre also getting some skin in the game. UBER has invested $300M into Lucid Motors in a robotaxi deal that will let them deploy 20000 vehicles. The rollout begins in 2026 and will span six years. This is a smart use of capital. Instead of burning cash on R&D Uber waited for the right time to enter the market while it's still fresh without overspending. Some quick math: $300M divided by 20000 vehicles comes out to $15000 per vehicle. Thats great capital allocation"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768566780203033) 2025-07-22 21:19:48 UTC 13K followers, XXX engagements
"12/ $WING Wingstop ROIC XX YR Average: 28%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754244145610895) 2025-06-30 18:33:45 UTC 13K followers, XXX engagements
"8/ $ELF e.l.f. Beauty P/S: 5.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% How do you turn $X lip gloss into a $7B brand Go viral without paying for it. ELF cracked the code on TikTok and has outgrown the "cheap makeup" label. High gross margins smart retail strategy and zero fear of taking swings"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386269081997460) 2025-07-21 20:00:41 UTC 13K followers, 5845 engagements
"6/ $RKLB Rocket Lab USA Rocket lab controls more of the launch stack than most competitors a pure advantage. They build spacecraft make components and manage the mission end to end. This vertical integration provides speed and flexibility especially as demand grows for launching constellations and defense assets. Its a space company with real infrastructure"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925242674933883) 2025-07-17 19:15:06 UTC 13K followers, 19.8K engagements
"How $DAVE Approaches Lending: Short-term loans are risky but Dave uses AI to manage that risk through their proprietary underwriting engine called CashAI. Unlike traditional lenders Dave does not rely on FICO scores which they believe are outdated and inflated. Instead CashAI analyzes over XXX real time data points from a user's bank account including spending habits income trends and employment status to make smarter lending decisions"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920203759267956) 2025-07-20 13:08:43 UTC 13K followers, 1843 engagements
"Before I dive into a stock I run it through my High Quality screener: ✔ 5Y Rev CAGR XX% ✔ 5Y EBITDA CAGR XX% ✔ P/OCF 30x ✔ Debt can be paid in X yrs ✔ ROIC XX% ✔ Shares outstanding 5Y change X% Now that you know the screener here are XX names that pass:👇"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1923736357752418467) 2025-05-17 13:44:23 UTC 13K followers, 56.2K engagements
"The best FinTech deal on the market. Just scaling under everyone's noses. Will drop my thesis this weekend. $DAVE"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946603044533063913) 2025-07-19 16:08:26 UTC 13K followers, 11.5K engagements
"15/ $CDLR Cadeler P/S: 5.7x Revenue Growth: XXX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Offshore wind doesnt get built without someone placing the turbines. Thats Cadeler. Its not sexy but its critical. Theyre booked out backed by regulation and expanding capacity right when demands about to spike"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386293400572134) 2025-07-21 20:00:47 UTC 13K followers, 4565 engagements
"9/ $TMDX TransMedics Group P/S: 7.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Organs usually die in a cooler on the way to surgery. TMDX replaces that cooler with a machine that keeps them alive. Thats not just better - its groundbreaking. The moat is clinical results and the opportunity is global"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386272676299180) 2025-07-21 20:00:42 UTC 13K followers, 6355 engagements
"11/ $PRL Propel Holdings P/S: 2.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Propel lends to people who the banks overlook. They're not reckless theyre data driven. Its subprime sure but its done with care underwriting discipline and returns that beat most lenders in the country"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386279714271667) 2025-07-21 20:00:44 UTC 13K followers, 5111 engagements
"@VHilife fair enough friend happy investing :)"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946930781869269068) 2025-07-20 13:50:45 UTC 12.9K followers, XX engagements
"I bought shares in only one company this week: $DAVE Its a starter position was planning on buying more as time passes but we are already up XX% on the initial buy. Hoping this isnt another $AMD where Im DCAing up lol"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946313862019527054) 2025-07-18 20:59:20 UTC 12.8K followers, 5324 engagements
"@longoption I see other comments have already addressed SBC. Im keeping a low single digit hold on this one I still think it has potential. But must agree a lot of that can be overshadowed by SBC if they continue that trend"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946145986855723387) 2025-07-18 09:52:15 UTC 12.7K followers, XXX engagements
"They also co-founded UA Link an open GPU interconnect standard backed by Microsoft Meta Broadcom and Cisco. This is important because NVLink has historically locked hyperscalers into $NVDA ecosystem. UA Link offers a true open alternative. Cloud providers dont want a single vendor controlling the entire market especially when it comes to pricing power. $AMD stepping in with open hardware and open software gives them real choice. Below is a clear comparison between UA Link and its closest competitor"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1933903348299653149) 2025-06-14 15:04:23 UTC 13K followers, 1184 engagements
"3/ $DLO DLocal Limited DLocal is a key payment infrastructure provider for emerging markets enabling global merchants to accept hundreds of local payment methods through a single API. They deal with massive vendors who want to access untapped geography. Its growth is tied to rising ecommerce in developing countries. TPV continues to climb though its take rate is gradually declining"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1942652869456560627) 2025-07-08 18:31:51 UTC 13K followers, 22.8K engagements
"Are you as bullish as I am $DAVE's short term loan model offers real promise with surprisingly strong risk control. Hope you enjoyed the thread Like and follow if you did These take time to put together :) And of course none of this is financial advice. Have a great day"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920261120352429) 2025-07-20 13:08:56 UTC 13K followers, 1640 engagements
"@TheEUInvestor Hahaha fair enough I am definitely not well versed in insurance and thats why I stay away Hoping the best for you $OSCR holders :)"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947757570602487852) 2025-07-22 20:36:07 UTC 13K followers, XXX engagements
"If you own any of these stocks: $HIMS $OSCR $DLO $HOOD $LMND $SOFI $ZETA $RKLB Heres the main OPERATIONAL KPI you should be tracking to measure their success 👇🧵 1/ $SOFI SoFi Technologies KPI: Members SoFi's goal is to be the only financial app that you need. Growing total number of members is their clearest sign of success. Each new member essentially offers a new opportunity to offer more products like loans or investments. This is how their ecosystem will thrive"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1938328682700902488) 2025-06-26 20:09:05 UTC 13K followers, 162.5K engagements
"10/ $IONQ IonQ Inc. IonQ uses trapped ions instead of superconductors for quantum computing. This method offers better stability and fewer errors. Theyre also building out the cloud layer and securing partnerships in quantum networking. If this tech hits real world scale IonQs approach could become the new blueprint for the future"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925256159338857) 2025-07-17 19:15:09 UTC 13K followers, 20.4K engagements
"@TacticzH Really cool thread Tacticz I own HIMS and AMD"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946939411368718385) 2025-07-20 14:25:02 UTC 12.9K followers, 1848 engagements
"$GOOG rebound was inevitable. People feared LLMs would hurt search but forgot Google is the internet. As websites charge for data most models will lose access or price out users. Google owns the data the pipes and the platform. LLMs should be fearing Google"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947293611298549940) 2025-07-21 13:52:30 UTC 13K followers, 6723 engagements
"@CMDarnton Im an $AMD bull but cmon man 100x How am I supposed to take the rest of this thesis seriously Thats a market cap of $25T. Nominal GDP of the world largest economy was $30T in 2024"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947709577824244147) 2025-07-22 17:25:24 UTC 13K followers, 1363 engagements
"Alright I have X companies that have IMPROVED THEIR FINANCIALS over the last few years but the stock price has NOT MOVED OR IS CHEAPER. Whether they were OVERVALUED BEFORE or UNDERVALUED NOW is up to you: 1/ $EVO Evolution AB Evolution powers the live casino games you see on online gambling platforms. They dont run the casinos themselves they build the infrastructure and take a share of what players spend. Growth came in a bit light last quarter but theyre still expanding into more regulated markets and continuing to roll out new game formats to keep the experience fresh and addictive"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1932900275569701292) 2025-06-11 20:38:31 UTC 13K followers, 35.5K engagements
"@invest091 Thats basically it ya difference is Zeta took a risk and built this model X years ago. They are well ahead of competitors just need to scale"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945927142216183953) 2025-07-17 19:22:38 UTC 12.7K followers, 6976 engagements
"13/ $MNST Monster Beverage ROIC XX YR Average: 32%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754247454695485) 2025-06-30 18:33:46 UTC 13K followers, XXX engagements
"5/ $OSCR Oscar Health Oscar is in the process of rebuilding health insurance using automation. Their tech platform handles tasks that usually require dozens of reps and their AI helps reduce hospital readmissions and admin costs. They are proving that insurance can be more efficient and customer centric when software runs the backend"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925239587717363) 2025-07-17 19:15:05 UTC 13K followers, 23.7K engagements
"Was away from the market for a few days and prices only went up. Heres how I currently see the valuation setup across all my holdings: Best risk/reward: $GOOG $BN $ASML $AMZN $UBER Higher risk HUGE upside: $HIMS $AMD $ZETA Lower risk as doom priced in: $NVO $GAMB Agree"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945226740625809658) 2025-07-15 20:59:30 UTC 13K followers, 10.5K engagements
"Proving Low Risk in a Risky Business In Q1 2025 delinquency on ExtraCash loans was only 1.5%. That is an XX% improvement YOY even as originations grew 46%. For context here are broader U.S. averages: Credit cards: X% Consumer loans: XXX% Auto loans: XXX% $DAVE's model is outperforming traditional lenders while remaining more consumer friendly"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920210281177543) 2025-07-20 13:08:44 UTC 13K followers, 1660 engagements
"10/ $HUBS HubSpot HubSpots RPO is growing at a XX% CAGR and just crossed $XXX billion. They focus on small and mid-sized businesses moving online. HubSpots tools make it easy for these companies to manage marketing and sales in one place"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1931350800225153119) 2025-06-07 14:01:28 UTC 13K followers, 7504 engagements
"2/ $HIMS Hims & Hers Health Hims is building a new kind of health care company. Research has shown that patients no longer want to wait at the doctors office to be treated they want to conveniently and discretely receive their medication. They are building a vertically integrated behemoth that owns the pharmacy the providers and even the manufacturing. Everything runs through the digital platform. This is different than telehealth. Its a fully integrated system designed to scale access and patient personalization"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925230796718114) 2025-07-17 19:15:03 UTC 13K followers, 22.8K engagements
"8/ $HOOD Robinhood Markets Robinhood started by making trading free. Now it's shifting focus to longer term financial products like IRAs managed portfolios and subscriptions and changing how trading is done via tokenization. The goal is to convert casual users into lifelong customers and challenge legacy banks on their home turf"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925249251295482) 2025-07-17 19:15:07 UTC 13K followers, 18.6K engagements
"@twittanner Unfortunately not havent heard of em :("
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947040726644150419) 2025-07-20 21:07:38 UTC 13K followers, XX engagements
"What if I told you the best FinTech deal today is built on short-term loans $DAVE isnt a flashy name but based on management guidance and consensus estimates it could CONSERVATIVELY 2X by 2027. Thats at least a XX% return annually. This is my $DAVE thesis 🧵"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920197664674228) 2025-07-20 13:08:41 UTC 13K followers, 55K engagements
"Only looking to add to X names if tensions between the two I countries keep rising: $AMD backing up my tiny truck under $XXX 😏 $HIMS mid $40s and we add $GOOG will add around my cost at $XXX $AMZN looking to buy near $XXX $UBER under $XX is my spot Would love the chance to increase my exposure to all X. These prices dont seem plausible until they are"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1934241111293276623) 2025-06-15 13:26:32 UTC 13K followers, 34.5K engagements
"5/ $BROS Dutch Bros P/S: 6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% What started as a coffee pushcart turned into a drive-thru juggernaut. Expansion is smart branding is loud and margins are sneaky strong for a franchise-heavy model. BROS is culture first caffeine second"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386258935656711) 2025-07-21 20:00:39 UTC 13K followers, 6673 engagements
"@everydaystocksx @QualityInvest5 Would love to own $NOW one day. I know you dont have it on this list but my dream company to own will forever be $SPOT"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945952014589952039) 2025-07-17 21:01:28 UTC 13K followers, XXX engagements
"Theres real power in focusing on one service and doing it really damn well. $DAVE is pulling ahead of its peers in free cash flow per share and honestly its not even close. It also has the cheapest sales multiple among this group: $HOOD $SOFI $UPST"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947004494987882938) 2025-07-20 18:43:39 UTC 13K followers, 4389 engagements
"@longoption If by safest bet you are saying which will for sure survive Id lean HIMS and hood. Most potential to go to zero maybe Dave because other EWAs go bankrupt (even tho they operate quite differently and are now profitable) and maybe IONQ (but has huge upside potential)"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945932691360141512) 2025-07-17 19:44:41 UTC 13K followers, 7441 engagements
"7/ $LMND Lemonade Inc. Lemonade is treating insurance like software. Their bots handle most customer service and claims decisions. They use AI algorithms to help cut company costs and speed up payouts. The goal is as the company scales so will margins. On top of this if successful they could make it cheaper and faster to offer coverage in areas where most traditional insurers dont operate profitably"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925246000792007) 2025-07-17 19:15:06 UTC 13K followers, 19.7K engagements
"10/ $DAVE Dave Inc P/S: 7.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% This isnt your typical neobank. Dave isnt chasing deposits - its monetizing liquidity. ExtraCash no interest and improving payback rates. Theyre proving fintech can make money on small loans at scale without predatory practices"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386276161913178) 2025-07-21 20:00:43 UTC 13K followers, 5524 engagements
"What do you think is the best deal of the pack I own a few of these names but it seems like some are worth looking into further. Please like and follow if you enjoyed Try out for free"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386315051287039) 2025-07-21 20:00:52 UTC 13K followers, 4498 engagements
"3/ $SE Sea Limited P/S: 5.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% They used to print money with Garena. Then they used that cash to fuel Shopees e-commerce blitz. Now SeaMoney is quietly scaling. X segments X region and a shot at real profitability if they balance the machine"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386252325429458) 2025-07-21 20:00:37 UTC 13K followers, 7823 engagements
"This is a TERRIBLE stock to sell short this is the wet dream of every Silicon Valley investor. Martin Shkreli on $HIMS The stock currently has a XX% float. If youre a $HIMS shareholder I highly recommend watching this interview. Hats off to @himshousearguably the best interview yet"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1916964526924169598) 2025-04-28 21:15:33 UTC 12.9K followers, 119.7K engagements
"@TacticzH Adyen processes over 2x the revenue and still has a XX% margin compared to DLO's XX% tho. 😉"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947288387481641050) 2025-07-21 13:31:45 UTC 13K followers, XXX engagements
"Stocks Id BUY right now: $AMZN Amazon $GOOG Alphabet $NVO Novo Nordisk $ASML ASML Waiting for better valuation: $DUOL Duolingo $AXON Axon $SPOT Spotify $SHOP Shopify Stocks Id AVOID right now: $IONQ IonQ $AAPL Apple $TSLA Tesla $MSTR MicroStrategy What do you think"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1926243561340620951) 2025-05-24 11:47:07 UTC 13K followers, 110.2K engagements
"19/ $TVK Terravest Industries P/S: 3.7x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Youve probably never heard of them and thats how they like it. TVK rolls up unsexy cash-flow rich industrial businesses. Its all about return on capital not hype. Quiet compounder in the background"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386308181299216) 2025-07-21 20:00:51 UTC 13K followers, 3938 engagements
"When compared to competitors in both the cash advance and Neobank/Fintech space $DAVE presents the highest operational efficiency per employee. They lead in both revenue and gross profit per employee yet trade at just 17x FCF"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945554028689035705) 2025-07-16 18:40:01 UTC 13K followers, 3280 engagements
"You already know what Im going to say Its a monopoly. X straight double beats. This discrepancy wont last forever $ASML"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945860249656656166) 2025-07-17 14:56:50 UTC 13K followers, 14.1K engagements
"@SoJustFollowMe I havent looked much into $ALGN but if you say its a good buy right now Ill give it a review 😊"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946894449457672299) 2025-07-20 11:26:22 UTC 12.9K followers, XXX engagements
"As an investor I want to buy great companies that actually know what to do with their money. Here are XX high quality businesses trading UNDER 20x operating cash flow & posting ROIC ABOVE 20%: $GOOG: 16x & XX% $META: 18x & XX% $NVO: 16x & XX% $ADBE: 16x & XX% $GAMB: 10x & XX% $LULU: 14x & XX% $PDD: 8x & XX% $DECK: 14x & XX% $DAVE: 17x & XX% $TSM: 16x & XX% Who else belongs on this list Do you own any of these names"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945669031219921265) 2025-07-17 02:17:00 UTC 13K followers, 7862 engagements
"4/ $WISE Wise Plc Wise built its own infrastructure to move money across borders without using SWIFT. Instead of wiring money they match transfers between users in different countries. This lets them move money faster and cheaper than banks. That efficiency is their real advantage"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1942652872518254647) 2025-07-08 18:31:52 UTC 13K followers, 22.1K engagements
"If you are looking to invest into disruption. $DAVE"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945556769658319179) 2025-07-16 18:50:55 UTC 13K followers, 6609 engagements
"5/ $ZETA Zeta Global Holdings KPI: Total Scaled Customers ZETA's business model is focused on big time clients so tracking their total scaled customers shows how successful they are at that focus. Increasing this number obviously would result in growth in the business"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1938328699255849126) 2025-06-26 20:09:08 UTC 12.7K followers, 8247 engagements
"If I had to pick ONE company to buy and hold forever It would be Brookfield Corporation. Why Theyve delivered XX% annual returns for XX years. And management now believes they can easily double in size over the next X. Here is my $BN thesis 🧵"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939326633749381527) 2025-06-29 14:14:35 UTC 13K followers, 133.3K engagements
"As always none of this is financial advice 😊"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946121122862252540) 2025-07-18 08:13:27 UTC 13K followers, 8765 engagements
"@MattIlich not only is it cheap its my favorite hot dog in the game"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946663153980379331) 2025-07-19 20:07:17 UTC 12.7K followers, XXX engagements
"What did I miss Which companies do you think are true disruptors Im not saying all of these will 10x but if they take over their industry that kind of return becomes possible. If you liked this please like & follow 😊 Try free with my link"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925258482954592) 2025-07-17 19:15:09 UTC 13K followers, 18.3K engagements
"19/ $FICO Fair Isaac ROIC XX YR Average: 25%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754266014478614) 2025-06-30 18:33:50 UTC 13K followers, 1096 engagements
"Over the last X years these X companies have grown their operating cash flows FASTER than their valuation. These businesses are generating more operating cash for every dollar of market value. 1/ $MELI MercadoLibre"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1934390597303112015) 2025-06-15 23:20:32 UTC 13K followers, 53.3K engagements
"Cadeler ( $CDLR) is expected to 3x revenue in X years. Its in the pole position within offshore wind and trades at just 17x earnings. In an industry BOOMING with demand this deserves a closer look. Today I will show you why Cadeler is a potential 5-bagger. Lets dive in. 🧵"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1935401933117772007) 2025-06-18 18:19:13 UTC 13K followers, 55.6K engagements
"Advertising Venture $UBER's new advertising stream is a textbook example of creative world class management. Theyre turning consumer movement into a commerce platform. Ads will be relevant to rides food delivery and even location data. Heres how it works: Heading to the airport Uber might show you a Starbucks coupon on the way. Booking a ride to a concert Expect ads for merch or drinks nearby. Ordering from Uber Eats Local restaurants can promote themselves during checkout. Advertisers can also offer ride credits to loyal customers. For example Molson Coors might pay for your next trip. Its a"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768570123035106) 2025-07-22 21:19:49 UTC 13K followers, XXX engagements
"4/ $OWL Blue Owl Capital P/S: 5.2x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% OWL isnt flashy but its a fee-earning machine. They provide capital to PE firms earn recurring revenue and stay asset-light while others chase yield. This is what slow compounding looks like when done with discipline"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386255467057179) 2025-07-21 20:00:38 UTC 13K followers, 6986 engagements
"Business models that could explode in the next half decade (and the company's involved): AI Infrastructure $AMZN Amazon $GOOG Alphabet $MSFT Microsoft $ANET Arista Networks $PLTR Palantir Technologies $ORCL Oracle Digital Health $HIMS Hims & Hers Health Inc. Fintech $SOFI SoFi Technologies $NU Nu Holdings Ltd. $HOOD Robinhood Markets Chips & Semiconductors $NVDA NVIDIA $AMD Advanced Micro Devices $TSM Taiwan Semiconductor Manufacturing Company $AVGO Broadcom Inc. $ASML ASML Cybersecurity $CRWD CrowdStrike Holdings $PANW Palo Alto Networks $OKTA Okta Logistics as a Service $UBER Uber"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1926626193861738961) 2025-05-25 13:07:34 UTC 12.9K followers, 42.2K engagements
"@TheEUInvestor yes but in this case I was referring to net revenues :) previous guidance was $11.2B in rev with 80-81% MLR so about $2B in net revenues newly guided $12B with 86-87% MLR is about 1.5B in net revenues"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947755977505464545) 2025-07-22 20:29:47 UTC 13K followers, XXX engagements
"7/ $TOST Toast Inc P/S: 5.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Toast lives inside your favorite local restaurant. Its not just a POS - its the payroll the CRM the backend. Every touchpoint is another layer of software. The more they embed the harder it becomes to leave"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386265185489267) 2025-07-21 20:00:40 UTC 13K followers, 6179 engagements
"July X 2025 - PORTFOLIO UPDATE New Positions: $ZETA $GAMB Increased positions: $HIMS $AMD Sold position: $DIS Pretty active XX days Let's first talk about the two new positions: $GAMB is a boring business in a booming industry. I've talked about this one a lot over the past month. Their TAM is expected to 2x over the next X years and management believes they can hit $100M in EBITDA within X years. At a $450M valuation that's extremely attractive to me. I believe AI helps this company and management does too. Given the low trading volume I felt a position under X% at today's valuation made"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1942318367953805687) 2025-07-07 20:22:40 UTC 13K followers, 36.9K engagements
"Why Demand for Dave Is Rising $DAVE estimates its addressable market to be 150-180M Americans living paycheck to paycheck. This is backed by recent data: - XX% of Americans spend XX% of their income on necessities (Bank of America) - XX% live paycheck to paycheck (MarketWatch) - That includes XX% of Gen Z and XX% of Gen X😲 The need for short term liquidity is MASSIVE and GROWING"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920213137535458) 2025-07-20 13:08:45 UTC 13K followers, 1413 engagements
"20/ $MDA MDA Space Ltd P/S: 4.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% From the Canadarm to lunar missions MDA has been involved in space longer than most realize. Now theyre betting big on satellite tech robotics and government contracts. Its aerospace meets sovereign-grade infrastructure"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386312056836155) 2025-07-21 20:00:52 UTC 13K followers, 4933 engagements
"Financials: Clean Balance Sheet $DAVE holds only $75M in long term debt. They have enough cash to fully cover it. This is a strong and healthy balance sheet"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920243328065847) 2025-07-20 13:08:52 UTC 12.9K followers, XXX engagements
"@SageWonk Held baba for a long time. Sold out this year after the large gains. never looked into $GLXY tho"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946661366552461777) 2025-07-19 20:00:11 UTC 12.7K followers, XXX engagements
"$ASML is down XX% since it released Q2 earnings so now would be a good time to dive into a quality read on a premium company Always important to know the whole story 😊"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947642582026305898) 2025-07-22 12:59:11 UTC 13K followers, 3926 engagements
"2/ $MELI Mercado Libre P/S: 5.5x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% MELI runs the e-commerce fintech and logistics backend of Latin America. Its like Amazon PayPal and FedEx in one. The moat Scale data and local market mastery. The risk Execution across volatile regions. But theyre pulling it off"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386248647077961) 2025-07-21 20:00:37 UTC 13K followers, 7497 engagements
"4. Visa / $V X Year Revenue CAGR: X% EBITDA Margin: XX% P/E Multiple: 37x Why can't they be disrupted Visa basically runs the rails that move trillions around the world. X billion cards over XXX million merchants all connected through a secure trusted network. Even the new wave of payment companies still rely on Visa to process at scale. Its already built into banks merchants and countries everywhere. That kind of infrastructure took decades to build and youre not replacing it anytime soon"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1924565322394436021) 2025-05-19 20:38:24 UTC 12.8K followers, 1629 engagements
"5/ $DOCN DigitalOcean DigitalOcean is the underdog of the cloud world serving startups and developers who want to avoid the complexity of AWS. It stands out for its simplicity transparency and tight-knit user community. The company is adding new dev tools and focusing on AI-native companies while gradually increasing revenue per customer without losing its core appeal"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1932900290715660549) 2025-06-11 20:38:35 UTC 13K followers, 3922 engagements
"4/ $DAVE Dave Inc. Dave is actively rethinking how small dollar credit loans work. Instead of relying on credit scores like traditional banks they use AI to review real time income and spending behaviors of lendee's. This not only reduces fixed overhead costs but it also results in faster approvals and ultimately better underwriting. As this model scales it could change the lending industry. Below shows the difference in cost to the consumer and their 12.5M members love it"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925236945203354) 2025-07-17 19:15:04 UTC 13K followers, 22K engagements
"Business models I've studied that possess the MOST FUTURE POTENTIAL and WHY: $HIMS Hims & Hers Health They're turning awkward health issues into high-margin subscriptions by owning the brand the funnel and the full customer experience. $AXON Axon Enterprise Theyve quietly built a recurring revenue machine with products police departments are required to use and nobody else can match their ecosystem. $UBER Uber Technologies They already dominate rides and food but the real opportunity is logistics where theyre becoming the default infrastructure for moving anything. $ASTS AST SpaceMobile If"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1927823976778145801) 2025-05-28 20:27:07 UTC 13K followers, 22.3K engagements
"@TacticzH only one I disagree with is $HIMS 💪"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946661729770910112) 2025-07-19 20:01:38 UTC 12.7K followers, 1416 engagements
"AV Partnerships $UBER sees the autonomous vehicle market as a $1T opportunity. They dont believe it will be dominated by a single player like $TSLA. Their message to AV vendors is simple: you focus on the hardware well handle the reach. Currently $UBER's cost per human-driven mile is $X. CEO Dara Khosrowshahi has said that once AV costs fall below that mark a massive TAM becomes available. And it's one they plan to fully capitalize on. Below are their AV partners. UBER is positioning itself as the central AV hub"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768563818696844) 2025-07-22 21:19:48 UTC 13K followers, XXX engagements
"6/ $ASML ASML Holding L12M Revenue Growth: XX% Forward P/OCF: 28x Operating Margin: XX% ASML builds the machines that make advanced chips possible. No ASML no cutting edge semiconductors. Sure the chip sector is cyclical. But demand for leading-edge tech is only heading one way. AI HPC 3D stacking. they all need smaller more powerful transistors. Management is locked in on long-term execution and with 2026 as their target I think this one is a no brainer for patient investors"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1940499983792517306) 2025-07-02 19:57:03 UTC 12.7K followers, 3391 engagements
"+9% on the same day management reduces 2025 net revenue guidance in an insurance business is genuinely impressive. Did they walk back 2026 and 2027 guidance No but they just did for 2025 in the middle of the year. Dont interpret this as me being a hater Im just shocked $OSCR"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947749553467494476) 2025-07-22 20:04:15 UTC 13K followers, 7606 engagements
"4/ $DECK Deckers Outdoor ROIC XX YR Average: 38%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754221320241324) 2025-06-30 18:33:39 UTC 13K followers, 1396 engagements
"4/ $DLO D-local KPI: TPV and Take Rate For $DLO there are two KPIs that matter: TPV to track total volume and overall growth. Take rate to see how much profit theyre earning on that volume. You NEED both to get the full picture"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1938328695652905356) 2025-06-26 20:09:08 UTC 12.7K followers, 8362 engagements
"I can agree in a way. Its currently the wild west yes but no true LLM has a real operational advantage right now except for $GOOG. Lawsuits are already piling up and what was once considered free under data scraping wont be anymore. These LLMs will need to pay for their data. Google not only has the relationships they also own a massive portion of the data like every single YouTube video for example"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947301955417645357) 2025-07-21 14:25:39 UTC 12.9K followers, XXX engagements
"If I had to full port into one stock itd be $BN. Close runner-up would be $GOOG. What is yours"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946633205114601591) 2025-07-19 18:08:17 UTC 13K followers, 26K engagements
"Despite calling $HIMS the wet dream of every Silicon Valley investor and saying it was a terrible stock to short Martin Shkreli shorted $HIMS last night after they didnt raise Q2 guidance. Looks like hes joined the dark side. $HIMS is up XX% today"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1919805103197806690) 2025-05-06 17:22:59 UTC 12.9K followers, 4587 engagements
"Why $DAVE Wont Go Bankrupt Many Earned Wage Access startups fail due to high upfront costs. Dave has scaled beyond that hurdle. Their advantages include: - Lower delinquency rates thanks to AI underwriting - Customer acquisition costs that are below those of traditional banks - Short 10-day average loan durations - Revolving credit structure that allows constant re-evaluation - Growing average revenue per user $DAVE is built for long-term success and the chart below shows exactly that"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920227695919343) 2025-07-20 13:08:48 UTC 12.9K followers, XXX engagements
"Another item to quickly mention that is a bit of old news but still relevant: $AMD's Xilinx FPGAs can be reprogrammed after manufacturing making them ideal for defense telecom and edge AI where GPUs dont fit as well. They come with better margins and open up new markets. Now AMD is folding Xilinx IP into future accelerators giving them more control over performance and a way to stand out long term. Its old news but it fits into the entire value proposition. Something to just mention anyways we continue"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1933903351311163767) 2025-06-14 15:04:23 UTC 13K followers, 1211 engagements
"12/ $KITS Kits Eyecare P/S: 3.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Contacts glasses lenses - all old online and fulfilled fast. But heres the kicker: they own the lab. Owning the back end in this space means faster delivery better margins and fewer customer headaches"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386282977726903) 2025-07-21 20:00:45 UTC 13K followers, 4887 engagements
"7/ $ZETA Zeta Global L12M Revenue Growth: XX% Forward P/OCF: 18x Operating Margin: -X% Heres my take on $ZETA: Their assets and positioning are tough to ignore. Theyre running nearly twice as efficiently as other players in the space largely because they invested early. Now lets be real. SBC has been brutal. All the revenue and earnings growth in the world doesnt matter if it's getting drowned out by XX% dilution. That said most of that dilution is behind them. Management is now guiding toward a range of 3-4% after 2025 which is more in line with other growth names. Still a little high for my"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1940499987051458678) 2025-07-02 19:57:04 UTC 12.7K followers, 3768 engagements
"Just wanted to give some love to @SoJustFollowMe I read his posts every day and he never fails to educate me on the technical analysis of many popular names. Check out his page his write ups are always complete and informative. Thanks for all the hard work Denistratos"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946246431401976135) 2025-07-18 16:31:23 UTC 13K followers, 4004 engagements
"16/ $ONON On Holding AG P/S: 6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% On shoes feel like youre bouncing. That CloudTec design isnt just marketing it actually performs. Runners love it. The fashion crowd caught on. Now theyre growing global expanding into apparel and building a brand with real staying power"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386297469047205) 2025-07-21 20:00:48 UTC 13K followers, 4420 engagements
"CEO David Steinberg isnt lying when he says customers prefer $ZETA's product Competitors' net revenue retention has dropped since 2020 while $ZETA's keeps climbing. Theyre already generating more revenue than the rest. Now they just need further scale to drive profit"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947678136126063088) 2025-07-22 15:20:28 UTC 13K followers, 6527 engagements
"8 Industries that have a GREAT DECADE ahead of them (and the best companies to ride the wave): AI Infrastructure $AVGO Broadcom $AMD Advanced Micro Devices $TSM Taiwan Semiconductor $NBIS Nebius $NVDA NVIDIA $ASML ASML Healthcare Tech $HIMS Hims & Hers Health $NVO Novo Nordisk $TMDX Transmedics Group $TEM Tempus AI $ISRG Intuitive Surgical Cybersecurity $NET Cloudflare $PANW Palo Alto Networks $CRWD CrowdStrike $ZS Zscaler $FTNT Fortinet Space Economy $RKLB Rocket Lab $ASTS AST SpaceMobile Advanced Manufacturing $ROK Rockwell Automation $ABB ABB Ltd. $TSLA Tesla Financial Infrastructure"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1931054224286298406) 2025-06-06 18:22:58 UTC 13K followers, 76.9K engagements
"If you invest in $ZETA you are invested in managements ability to continue this trend. I believe they will - this has been a clear focus for them. The CEO even said there is growing interest of other companies wanting to acquire Zeta. They must believe it too"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945221498454569383) 2025-07-15 20:38:40 UTC 13K followers, 20.7K engagements
"If I had to build a $100K portfolio today heres how Id allocate it: $25K $AMZN $25K $GOOG $15K $BN $15K $NVO $10K $AMD $5K $UBER $5K $HIMS All based on todays prices. What would you change What would you add"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1927113264808304668) 2025-05-26 21:23:01 UTC 12.8K followers, 100.6K engagements
"6/ $STX Seagate Technology P/S: 3.7x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Everyones hyped on compute but no ones talking storage. Seagate is what keeps data alive after AI models finish chewing through it. When AI workloads scale storage demand doesnt lag - it surges"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386262001750501) 2025-07-21 20:00:40 UTC 13K followers, 6397 engagements
"5. Intuitive Surgical / $ISRG X Year Revenue CAGR: XX% EBITDA Margin: XX% P/E Multiple: 82x Why can't they be disrupted The da Vinci robot is the clear leader in robotic surgery and it's already deeply embedded in hospitals around the world. But its not just about the machine. Hospitals stick with it because of the training software accessories and service contracts that come with it. Surgeons learn on it entire workflows are built around it and switching is a nightmare. For a competitor to break in theyd have to be XX times better just to be considered"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1924565326575931792) 2025-05-19 20:38:25 UTC 12.8K followers, 1818 engagements
"Given Moodys credit rating shift will have LITTLE impact on the businesses you own here are XX UNDERVALUED names Id target if theres a selloff: $AMZN $GOOG $ASML $NVO $UBER $HIMS $BN $META $ANET $MELI Agree with the list"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1923816563716640884) 2025-05-17 19:03:06 UTC 12.9K followers, 21.4K engagements
"@alc2022 Woooow didnt see $WISE coming love the business model tho"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946990659425980496) 2025-07-20 17:48:41 UTC 13K followers, 5293 engagements
"If you care about the price you pay for revenue growth $DAVE appears to be the best fintech deal on the market. Just sayin 🤷♂ Charts below include the following competitors: $SOFI $HOOD $UPST Have a look for yourself"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946226200692539552) 2025-07-18 15:11:00 UTC 13K followers, 5977 engagements
"All of these companies are currently trading under a $5B market cap: - $DLO at $3.1B - $OSCR at $3.4B - $DAVE at $2.9B - $ZETA at $3.7B - $CDLR at $1.8B Which one do you think will be the first to hit $10B"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947034815208845824) 2025-07-20 20:44:08 UTC 13K followers, 73.4K engagements
"3/ $ANET Arista Networks ROIC XX YR Average: 57%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754217658601478) 2025-06-30 18:33:39 UTC 13K followers, 1686 engagements
"@VHilife Thanks Id suggest taking a deeper look into their underwriting outside of my analysis - its insanely effective at reducing delinquency. This platform helps people not spend on higher overdraft fees. It helps them 😊"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946928566483988774) 2025-07-20 13:41:57 UTC 12.8K followers, XXX engagements
"4/ $LULU Lululemon Athletica Lululemon built a premium brand that people love to wear. But its recent earnings call showed slowing US store traffic lighter guidance and margin pressure from tariffs that caught the market off guard. Management is working to regain momentum by expanding internationally refining its product mix and leaning harder into menswear and accessories"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1932900286504579445) 2025-06-11 20:38:34 UTC 13K followers, 3829 engagements
"Even in this rebounded market you can still buy HIGH QUALITY compounders UNDER 25x Operating Cashflows These XX low multiple businesses have the following characteristics: ✔ 5Y Rev CAGR XX% ✔5Y EBITDA CAGR XX% ✔ROIC XX% ✔ 2yr Fwd Rev CAGR XX% 1/ $GOOG (Alphabet Inc.) 5Yr Revenue CAGR: XX% 5Y EBITDA CAGR: XX% ROIC: XX% 2YR Fwd Revenue CAGR: XX% The dead company with X products used by over a billion people. Like many names on this list this investment comes with risk. The concern about search revenue declining is valid but I dont have a crystal ball. What gives me confidence is the companys"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1937589063294329079) 2025-06-24 19:10:06 UTC 13K followers, 33.3K engagements
"2/ $DPZ Domino's Pizza ROIC XX YR Average: 61%"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1939754214835585359) 2025-06-30 18:33:38 UTC 13K followers, 1287 engagements
"In my eyes the only way you're going to 10x your money today is by investing in disruptors. Companies that change the norm and dont fit the typical mold of the industry. Here are XX companies that I think are operationally doing exactly that. 1/ $ZETA Zeta Global Most brands still rely on third party cookies to reach the end consumer. Zeta helps companies shift to first party data by using data that consumers have opted into. They use AI to personalize ads across email social and web. They are not just another ad platform its a full tech stack that provides over 2x the ROI per ad $ spent."
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925226799276207) 2025-07-17 19:15:02 UTC 13K followers, 288.1K engagements
"14/ $SMCI Super Micro P/S: 1.4x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% Most hardware companies are slow. SMCI isnt. They customize servers at record speed and have latched onto the AI wave with NVIDIA as a close partner. Infrastructure demand is real and SMCI moves faster than legacy giants"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386290111996348) 2025-07-21 20:00:46 UTC 13K followers, 5317 engagements
"Financials: Adjusted EBITDA Surging Adjusted EBITDA is the right metric for $DAVE since they incur very little interest expense and net income includes loan loss provisions which is a non cash expense. Management recently raised 2025 EBITDA guidance from $110-120M up to $155-165M. That is 79-91% growth. They have hit earnings guidance in last 9/10 quarters"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920248852291796) 2025-07-20 13:08:54 UTC 12.9K followers, XXX engagements
"Valuation Despite $UBER trading near all-time highs it still isnt at its median P/FCF multiple. Revenue growth has actually accelerated compared to last year. Consensus estimates project over $12B in free cash flow by 2027. At a simple 27x multiple (its historical median) that implies a $324B valuation a near double from today. And remember the ventures listed above should continue expanding FCF margins from here. I expect them to beat estimates comfortably"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768576225775963) 2025-07-22 21:19:51 UTC 13K followers, 1330 engagements
"13/ $MU Micron Technology P/S: 3.8x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Micron doesnt make the flashiest chips. They make memory. DRAM NAND and now HBM for AI. Its boom or bust but when theyre in the boom cycle the numbers get silly. They're in every device you own and thats not changing"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386286589022421) 2025-07-21 20:00:46 UTC 13K followers, 5796 engagements
"3/ $ASTS AST SpaceMobile AST Space mobile wants to eliminate dead zones by turning satellites into cell towers. Their satellite tech will connect directly to everyday smartphones with no additional hardware needed. This wont just be about better coverage its about expanding mobile access where its never existed before"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945925234193735982) 2025-07-17 19:15:04 UTC 13K followers, 22.3K engagements
"18/ $BOW Bowhead Specialty P/S: 2.4x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Bowhead doesnt underwrite basic auto or home. They specialize in risk others avoid - cyber professional liability complex niche coverage. Thats where pricing power lives and BOW isnt afraid to lean into it"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947386305010135308) 2025-07-21 20:00:50 UTC 13K followers, 3952 engagements
"@meeijer You know how much I love my $HIMS 😍"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946633639292195112) 2025-07-19 18:10:00 UTC 12.7K followers, 1256 engagements
"Uber One: Fortifying the MOAT One of my favorite parts of the $UBER investment is Uber One. Launched in 2021 it has grown to 30M members by December 2024 with 5M added in Q4 2024 alone. YE 2022: 12M YE 2023: 19M YE 2024: 30M Subscribers who use both rides and delivery are much more likely to stay in the ecosystem. That makes price or feature competition less effective. Management has already noted that Uber Eats membership penetration is 60%. Uber One doesnt create the moat but it definitely reinforces it"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768573360775372) 2025-07-22 21:19:50 UTC 13K followers, XXX engagements
"@HyperTechInvest SpaceX P/S multiple for recent capital raise was about 26x 2025 revenue. That would argue that 55x sales for $RKLB is a bit stretched but maybe I'm ignorant"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946969225169338638) 2025-07-20 16:23:30 UTC 12.9K followers, 2647 engagements
"So is the market just calling it the end for $NVO Operating Cash flow is up XX% since Q1 2022. The stock Barely moved"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947318891027317074) 2025-07-21 15:32:57 UTC 13K followers, 17.9K engagements
"$UBER reached all-time highs a few weeks ago and is STILL one of the BEST opportunities in the market. Its growing fast generating serious cash flow and is well positioned to capitalize on the autonomous vehicle wave. Its an underappreciated biz. Here is my $UBER thesis 🧵"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1947768551718146152) 2025-07-22 21:19:45 UTC 13K followers, 13.6K engagements
"Here is the Gross profit per employee as well. $DAVE $SOFI $OPFI $ML $AFRM"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1945554031201456150) 2025-07-16 18:40:02 UTC 13K followers, 1317 engagements
"Financials: Free Cash Flow Strength $DAVE is operating at a XX% FCF margin on a stock-based compensation adjusted basis. With $460M in revenue that equates to $147M in FCF for 2025. That puts them at roughly 20x FWD FCF even with no further margin improvement"
 [@MMoney642](/creator/x/MMoney642) on [X](/post/tweet/1946920238488125561) 2025-07-20 13:08:51 UTC 13K followers, XXX 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.]
@MMoney642 Mindset for Money, CPA
Several companies are making significant strides in their respective industries, including $dave, a fintech company offering short-term loans with no interest or origination fees, and $uber, which has invested in Lucid Motors and is expanding its advertising capabilities. Additionally, companies like $zeta, $gamb, and $oscr are showing impressive growth and innovation in their fields, with $zeta's net revenue retention rate and $oscr's tech platform handling tasks efficiently. These companies, along with others like $goog, $nvo, and $amd, are worth noting for their potential and current performance.
Engagements: XXXXXXX #
- X Week XXXXXXX +77%
- X Month XXXXXXXXX +2.60%
Mentions: XXX #
- X Week XXX +35%
- X Month XXX +14%
Followers: XXXXXX #
- X Week XXXXXX +11%
- X Month XXXXXX +52%
CreatorRank: XXXXXX #
Social Influence #
Social category influence finance #1191 stocks #2058 technology brands XXXXX% cryptocurrencies #3032 countries XXXX% automotive brands XXXX% social networks XXXX% fashion brands XXXX% currencies XXXX%
Social topic influence $dave #618, hims #4, $hims #3, goog #21, $goog #18, $zeta #14, $uber #64, asml 3.25%, $amd 3.25%, $nvo XXXX%
Top accounts mentioned or mentioned by @tacticzh @sojustfollowme @bagholderiq @meeijer @dividendngrowth @longoption @vhilife @theeuinvestor @jonroberts91 @twittanner @dappspecialist @thewealthtrap @wealthmatica @alc2022 @qualityinvest5 @everydaystocksx @mattilich @thestockbro @newcomerinvest @grok
Top assets mentioned Dave Inc. Class A Common Stock (DAVE) Hims & Hers Health, Inc. (HIMS) Alphabet Inc Class A (GOOGL) ZetaChain (ZETA) Uber Technologies, Inc. (UBER) Advanced Micro Devices (AMD) Novo-Nordisk (NVO) Oscar Health, Inc. (OSCR) MercadoLibre Inc (MELI) Amazon.com, Inc. (AMZN) DLocal Limited Class A Common Shares (DLO) RAI Finance (SOFI) Robinhood Markets, Inc. (HOOD) Brookfield Corporation (BN) Super Micro Computer, Inc. Common Stock (SMCI) Lemonade, Inc. (LMND) On Holding AG (ONON) Wise (WISE) Rocket Lab USA, Inc. Common Stock (RKLB) NVIDIA Corp. (NVDA) IonQ, Inc. (IONQ) Arista Networks Inc (ANET) Sea Limited (SE) Micron Technology, Inc. (MU) Dutch Bros Inc. (BROS) aelf (ELF) TransMedics Group, Inc. Common Stock (TMDX) Microsoft Corp. (MSFT) SoFi Technologies, Inc. Common Stock (SOFI) Adobe, Inc. (ADBE) Spotify Technology (SPOT) Upstart Holdings, Inc. Common stock (UPST) Tesla, Inc. (TSLA) Axon Enterprise, Inc. (AXON) Taiwan Semiconductor (TSM) Deckers Outdoor, Corp. (DECK) Metadium (META) Lululemon Athletica Inc (LULU) Intuitive Surgical, Inc. (ISRG) Okta Inc (OKTA) Oklo Inc. (OKLO) Carvana Co. (CVNA) DraftKings Inc. Class A Common Stock (DKNG)
Top Social Posts #
Top posts by engagements in the last XX hours
"Financials: Fixed Costs Are Falling Fixed costs are a hurdle for many EWA businesses but $DAVE is scaling past them. As a % of revenue these costs are falling consistently. Management continues to improve efficiency"
@MMoney642 on X 2025-07-20 13:08:53 UTC 12.9K followers, XXX engagements
"8/ $OKTA Okta Okta provides identity and access management tools that help companies control who can access their systems. It's used by businesses to verify users and devices in real time. Management is focused on expanding its customer base and driving profitability after several years of heavy investment" @MMoney642 on X 2025-07-08 18:31:54 UTC 12.7K followers, 22.5K engagements
"9/ $OKLO Oklo Inc. Oklo is going small in a space thats always been massive. How Their compact nuclear reactors run on recycled fuel and can be deployed quickly. While traditional plants take decades Oklo aims for months. With the power needs of AI and data centers rising this could fill a MAJOR gap" @MMoney642 on X 2025-07-17 19:15:08 UTC 13K followers, 18.6K engagements
"Looking for a new research project I got XX companies that meet the following criteria: - Price/Sales 8x - Revenue Growth XX% - Future revenue growth (2yrs) XX% - PROFITABLE Lets dive in: 1/ $HIMS Hims and Hers P/S: 6.3x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Started with hair loss meds and ED pills. Has since moved into GLP-1s and mental health. Vertical integration across pharmacy fulfillment and care delivery is how they control margin. Subscription health with scale" @MMoney642 on X 2025-07-21 20:00:36 UTC 13K followers, 102.2K engagements
"1/ What does $DAVE do Dave is the underdog of finance helping Americans living paycheck to paycheck. They offer $XXX short-term loans with no interest or origination fees. These loans help users avoid costly overdraft charges. Its a win for the borrower" @MMoney642 on X 2025-07-20 13:08:42 UTC 13K followers, 2241 engagements
"@TacticzH Id buy Google and ASML today 🫡" @MMoney642 on X 2025-07-21 11:16:08 UTC 12.9K followers, XXX engagements
"@JonRoberts91 at 13x fwd P/ocf all of this is priced in and even more IMO" @MMoney642 on X 2025-07-21 16:05:54 UTC 13K followers, XXX engagements
"Alright I have X companies that have IMPROVED THEIR FINANCIALS over the last few years but the stock price has NOT MOVED OR IS CHEAPER. Whether they were OVERVALUED BEFORE or UNDERVALUED NOW is up to you: 1/ $OSCR Oscar Health A tech first insurer facing a clear headwind: expiring subsidies and now a repeal of ACA via the BBB. But even if they lapse management expects to remain profitable. The stocks low valuation reflects a worst case political scenario that may never happen. Meanwhile fundamentals keep climbing" @MMoney642 on X 2025-07-08 18:31:49 UTC 13K followers, 283.1K engagements
"Here are XX companies expected to grow revenues at a 20%+ YOY over the next X years and still trading under 8x sales: $CDLR Cadeler: XX% $SMCI Super Micro: XX% $HIMS Hims & Hers: XX% $MU Micron: XX% $LMND Lemonade: XX% $MELI MercadoLibre: XX% $DLO DLocal: XX% $CVNA Carvana: XX% $DKNG DraftKings: XX% $ONON On Holding: XX% $DAVE Dave Inc: XX% $BROS Dutch Bros: XX% $SE Sea Ltd: XX% $ELF e.l.f. Beauty: XX% $SOFI SoFi: XX% $GAMB XX% $RIVN Rivian: XX% $TOST Toast: XX% $AMD AMD: XX% $ZETA Zeta Global: XX% Do you own any of these names" @MMoney642 on X 2025-06-28 18:58:52 UTC 12.7K followers, 54.7K engagements
"Over the last X or so years these X companies have grown their operating cash flows FASTER than their valuation. These businesses are generating more operating cash for every dollar of market value. 1/ $EVO Evolution AB" @MMoney642 on X 2025-06-20 15:51:38 UTC 13K followers, 20.5K engagements
"This slide breaks it down. Worried about consumers defaulting on loans from $DAVE They use their proprietary CashAI underwriting engine to analyze real time cash flow data and make smarter lending decisions. Operational efficiency with capital protection" @MMoney642 on X 2025-07-16 18:55:44 UTC 13K followers, 2440 engagements
"The Dave Card Strategy $DAVE also offers a debit card and checking account as part of its product suite. The card provides: - No mandatory banking fees - Early access to paychecks - Free ATM usage - High-yield savings - Instant access to ExtraCash By offering a checking account Dave increases user engagement and creates stronger loyalty around its lending products. While the card does not contribute meaningfully to revenue today spend volume is growing and is now approaching $XXX million per quarter. It supports their broader strategy of retaining users and deepening product adoption" @MMoney642 on X 2025-07-20 13:08:48 UTC 13K followers, 1060 engagements
"@DividendNGrowth I like $ZETA but I like $DAVE even more. may I interest you in a $DAVE thesis (shameless plug)" @MMoney642 on X 2025-07-20 20:59:27 UTC 13K followers, 2764 engagements
"Profitable companies that have grown revenues by at least XX% annually over the last X years and are still trading under 7x sales: $OSCR Oscar Health XX% $SMCI Super Micro XX% $CDLR Cadeler XX% $ELF e.l.f. Beauty XX% $MELI MercadoLibre XX% $HIMS Hims & Hers XX% $WISE Wise XX% $ONON On Holding XX% $ROOT Root XX% $PDD Pinduoduo XX% What is the best deal here What are you buying" @MMoney642 on X 2025-07-09 19:22:27 UTC 13K followers, 49.3K engagements
"17/ $PAY Paymentus Holdings P/S: 3.8x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Ever paid a utility bill online You mightve used Paymentus and didnt even realize it. Theyre the infrastructure behind government healthcare telecom payments. High retention low visibility strong rails" @MMoney642 on X 2025-07-21 20:00:49 UTC 13K followers, 4025 engagements
"18/ $ACN Accenture ROIC XX YR Average: 26%" @MMoney642 on X 2025-06-30 18:33:49 UTC 13K followers, 1248 engagements
"Lucid Investment $UBER isnt just partnering with the big AV players. Theyre also getting some skin in the game. UBER has invested $300M into Lucid Motors in a robotaxi deal that will let them deploy 20000 vehicles. The rollout begins in 2026 and will span six years. This is a smart use of capital. Instead of burning cash on R&D Uber waited for the right time to enter the market while it's still fresh without overspending. Some quick math: $300M divided by 20000 vehicles comes out to $15000 per vehicle. Thats great capital allocation" @MMoney642 on X 2025-07-22 21:19:48 UTC 13K followers, XXX engagements
"12/ $WING Wingstop ROIC XX YR Average: 28%" @MMoney642 on X 2025-06-30 18:33:45 UTC 13K followers, XXX engagements
"8/ $ELF e.l.f. Beauty P/S: 5.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% How do you turn $X lip gloss into a $7B brand Go viral without paying for it. ELF cracked the code on TikTok and has outgrown the "cheap makeup" label. High gross margins smart retail strategy and zero fear of taking swings" @MMoney642 on X 2025-07-21 20:00:41 UTC 13K followers, 5845 engagements
"6/ $RKLB Rocket Lab USA Rocket lab controls more of the launch stack than most competitors a pure advantage. They build spacecraft make components and manage the mission end to end. This vertical integration provides speed and flexibility especially as demand grows for launching constellations and defense assets. Its a space company with real infrastructure" @MMoney642 on X 2025-07-17 19:15:06 UTC 13K followers, 19.8K engagements
"How $DAVE Approaches Lending: Short-term loans are risky but Dave uses AI to manage that risk through their proprietary underwriting engine called CashAI. Unlike traditional lenders Dave does not rely on FICO scores which they believe are outdated and inflated. Instead CashAI analyzes over XXX real time data points from a user's bank account including spending habits income trends and employment status to make smarter lending decisions" @MMoney642 on X 2025-07-20 13:08:43 UTC 13K followers, 1843 engagements
"Before I dive into a stock I run it through my High Quality screener: ✔ 5Y Rev CAGR XX% ✔ 5Y EBITDA CAGR XX% ✔ P/OCF 30x ✔ Debt can be paid in X yrs ✔ ROIC XX% ✔ Shares outstanding 5Y change X% Now that you know the screener here are XX names that pass:👇" @MMoney642 on X 2025-05-17 13:44:23 UTC 13K followers, 56.2K engagements
"The best FinTech deal on the market. Just scaling under everyone's noses. Will drop my thesis this weekend. $DAVE" @MMoney642 on X 2025-07-19 16:08:26 UTC 13K followers, 11.5K engagements
"15/ $CDLR Cadeler P/S: 5.7x Revenue Growth: XXX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Offshore wind doesnt get built without someone placing the turbines. Thats Cadeler. Its not sexy but its critical. Theyre booked out backed by regulation and expanding capacity right when demands about to spike" @MMoney642 on X 2025-07-21 20:00:47 UTC 13K followers, 4565 engagements
"9/ $TMDX TransMedics Group P/S: 7.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Organs usually die in a cooler on the way to surgery. TMDX replaces that cooler with a machine that keeps them alive. Thats not just better - its groundbreaking. The moat is clinical results and the opportunity is global" @MMoney642 on X 2025-07-21 20:00:42 UTC 13K followers, 6355 engagements
"11/ $PRL Propel Holdings P/S: 2.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Propel lends to people who the banks overlook. They're not reckless theyre data driven. Its subprime sure but its done with care underwriting discipline and returns that beat most lenders in the country" @MMoney642 on X 2025-07-21 20:00:44 UTC 13K followers, 5111 engagements
"@VHilife fair enough friend happy investing :)" @MMoney642 on X 2025-07-20 13:50:45 UTC 12.9K followers, XX engagements
"I bought shares in only one company this week: $DAVE Its a starter position was planning on buying more as time passes but we are already up XX% on the initial buy. Hoping this isnt another $AMD where Im DCAing up lol" @MMoney642 on X 2025-07-18 20:59:20 UTC 12.8K followers, 5324 engagements
"@longoption I see other comments have already addressed SBC. Im keeping a low single digit hold on this one I still think it has potential. But must agree a lot of that can be overshadowed by SBC if they continue that trend" @MMoney642 on X 2025-07-18 09:52:15 UTC 12.7K followers, XXX engagements
"They also co-founded UA Link an open GPU interconnect standard backed by Microsoft Meta Broadcom and Cisco. This is important because NVLink has historically locked hyperscalers into $NVDA ecosystem. UA Link offers a true open alternative. Cloud providers dont want a single vendor controlling the entire market especially when it comes to pricing power. $AMD stepping in with open hardware and open software gives them real choice. Below is a clear comparison between UA Link and its closest competitor" @MMoney642 on X 2025-06-14 15:04:23 UTC 13K followers, 1184 engagements
"3/ $DLO DLocal Limited DLocal is a key payment infrastructure provider for emerging markets enabling global merchants to accept hundreds of local payment methods through a single API. They deal with massive vendors who want to access untapped geography. Its growth is tied to rising ecommerce in developing countries. TPV continues to climb though its take rate is gradually declining" @MMoney642 on X 2025-07-08 18:31:51 UTC 13K followers, 22.8K engagements
"Are you as bullish as I am $DAVE's short term loan model offers real promise with surprisingly strong risk control. Hope you enjoyed the thread Like and follow if you did These take time to put together :) And of course none of this is financial advice. Have a great day" @MMoney642 on X 2025-07-20 13:08:56 UTC 13K followers, 1640 engagements
"@TheEUInvestor Hahaha fair enough I am definitely not well versed in insurance and thats why I stay away Hoping the best for you $OSCR holders :)" @MMoney642 on X 2025-07-22 20:36:07 UTC 13K followers, XXX engagements
"If you own any of these stocks: $HIMS $OSCR $DLO $HOOD $LMND $SOFI $ZETA $RKLB Heres the main OPERATIONAL KPI you should be tracking to measure their success 👇🧵 1/ $SOFI SoFi Technologies KPI: Members SoFi's goal is to be the only financial app that you need. Growing total number of members is their clearest sign of success. Each new member essentially offers a new opportunity to offer more products like loans or investments. This is how their ecosystem will thrive" @MMoney642 on X 2025-06-26 20:09:05 UTC 13K followers, 162.5K engagements
"10/ $IONQ IonQ Inc. IonQ uses trapped ions instead of superconductors for quantum computing. This method offers better stability and fewer errors. Theyre also building out the cloud layer and securing partnerships in quantum networking. If this tech hits real world scale IonQs approach could become the new blueprint for the future" @MMoney642 on X 2025-07-17 19:15:09 UTC 13K followers, 20.4K engagements
"@TacticzH Really cool thread Tacticz I own HIMS and AMD" @MMoney642 on X 2025-07-20 14:25:02 UTC 12.9K followers, 1848 engagements
"$GOOG rebound was inevitable. People feared LLMs would hurt search but forgot Google is the internet. As websites charge for data most models will lose access or price out users. Google owns the data the pipes and the platform. LLMs should be fearing Google" @MMoney642 on X 2025-07-21 13:52:30 UTC 13K followers, 6723 engagements
"@CMDarnton Im an $AMD bull but cmon man 100x How am I supposed to take the rest of this thesis seriously Thats a market cap of $25T. Nominal GDP of the world largest economy was $30T in 2024" @MMoney642 on X 2025-07-22 17:25:24 UTC 13K followers, 1363 engagements
"Alright I have X companies that have IMPROVED THEIR FINANCIALS over the last few years but the stock price has NOT MOVED OR IS CHEAPER. Whether they were OVERVALUED BEFORE or UNDERVALUED NOW is up to you: 1/ $EVO Evolution AB Evolution powers the live casino games you see on online gambling platforms. They dont run the casinos themselves they build the infrastructure and take a share of what players spend. Growth came in a bit light last quarter but theyre still expanding into more regulated markets and continuing to roll out new game formats to keep the experience fresh and addictive" @MMoney642 on X 2025-06-11 20:38:31 UTC 13K followers, 35.5K engagements
"@invest091 Thats basically it ya difference is Zeta took a risk and built this model X years ago. They are well ahead of competitors just need to scale" @MMoney642 on X 2025-07-17 19:22:38 UTC 12.7K followers, 6976 engagements
"13/ $MNST Monster Beverage ROIC XX YR Average: 32%" @MMoney642 on X 2025-06-30 18:33:46 UTC 13K followers, XXX engagements
"5/ $OSCR Oscar Health Oscar is in the process of rebuilding health insurance using automation. Their tech platform handles tasks that usually require dozens of reps and their AI helps reduce hospital readmissions and admin costs. They are proving that insurance can be more efficient and customer centric when software runs the backend" @MMoney642 on X 2025-07-17 19:15:05 UTC 13K followers, 23.7K engagements
"Was away from the market for a few days and prices only went up. Heres how I currently see the valuation setup across all my holdings: Best risk/reward: $GOOG $BN $ASML $AMZN $UBER Higher risk HUGE upside: $HIMS $AMD $ZETA Lower risk as doom priced in: $NVO $GAMB Agree" @MMoney642 on X 2025-07-15 20:59:30 UTC 13K followers, 10.5K engagements
"Proving Low Risk in a Risky Business In Q1 2025 delinquency on ExtraCash loans was only 1.5%. That is an XX% improvement YOY even as originations grew 46%. For context here are broader U.S. averages: Credit cards: X% Consumer loans: XXX% Auto loans: XXX% $DAVE's model is outperforming traditional lenders while remaining more consumer friendly" @MMoney642 on X 2025-07-20 13:08:44 UTC 13K followers, 1660 engagements
"10/ $HUBS HubSpot HubSpots RPO is growing at a XX% CAGR and just crossed $XXX billion. They focus on small and mid-sized businesses moving online. HubSpots tools make it easy for these companies to manage marketing and sales in one place" @MMoney642 on X 2025-06-07 14:01:28 UTC 13K followers, 7504 engagements
"2/ $HIMS Hims & Hers Health Hims is building a new kind of health care company. Research has shown that patients no longer want to wait at the doctors office to be treated they want to conveniently and discretely receive their medication. They are building a vertically integrated behemoth that owns the pharmacy the providers and even the manufacturing. Everything runs through the digital platform. This is different than telehealth. Its a fully integrated system designed to scale access and patient personalization" @MMoney642 on X 2025-07-17 19:15:03 UTC 13K followers, 22.8K engagements
"8/ $HOOD Robinhood Markets Robinhood started by making trading free. Now it's shifting focus to longer term financial products like IRAs managed portfolios and subscriptions and changing how trading is done via tokenization. The goal is to convert casual users into lifelong customers and challenge legacy banks on their home turf" @MMoney642 on X 2025-07-17 19:15:07 UTC 13K followers, 18.6K engagements
"@twittanner Unfortunately not havent heard of em :(" @MMoney642 on X 2025-07-20 21:07:38 UTC 13K followers, XX engagements
"What if I told you the best FinTech deal today is built on short-term loans $DAVE isnt a flashy name but based on management guidance and consensus estimates it could CONSERVATIVELY 2X by 2027. Thats at least a XX% return annually. This is my $DAVE thesis 🧵" @MMoney642 on X 2025-07-20 13:08:41 UTC 13K followers, 55K engagements
"Only looking to add to X names if tensions between the two I countries keep rising: $AMD backing up my tiny truck under $XXX 😏 $HIMS mid $40s and we add $GOOG will add around my cost at $XXX $AMZN looking to buy near $XXX $UBER under $XX is my spot Would love the chance to increase my exposure to all X. These prices dont seem plausible until they are" @MMoney642 on X 2025-06-15 13:26:32 UTC 13K followers, 34.5K engagements
"5/ $BROS Dutch Bros P/S: 6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% What started as a coffee pushcart turned into a drive-thru juggernaut. Expansion is smart branding is loud and margins are sneaky strong for a franchise-heavy model. BROS is culture first caffeine second" @MMoney642 on X 2025-07-21 20:00:39 UTC 13K followers, 6673 engagements
"@everydaystocksx @QualityInvest5 Would love to own $NOW one day. I know you dont have it on this list but my dream company to own will forever be $SPOT" @MMoney642 on X 2025-07-17 21:01:28 UTC 13K followers, XXX engagements
"Theres real power in focusing on one service and doing it really damn well. $DAVE is pulling ahead of its peers in free cash flow per share and honestly its not even close. It also has the cheapest sales multiple among this group: $HOOD $SOFI $UPST" @MMoney642 on X 2025-07-20 18:43:39 UTC 13K followers, 4389 engagements
"@longoption If by safest bet you are saying which will for sure survive Id lean HIMS and hood. Most potential to go to zero maybe Dave because other EWAs go bankrupt (even tho they operate quite differently and are now profitable) and maybe IONQ (but has huge upside potential)" @MMoney642 on X 2025-07-17 19:44:41 UTC 13K followers, 7441 engagements
"7/ $LMND Lemonade Inc. Lemonade is treating insurance like software. Their bots handle most customer service and claims decisions. They use AI algorithms to help cut company costs and speed up payouts. The goal is as the company scales so will margins. On top of this if successful they could make it cheaper and faster to offer coverage in areas where most traditional insurers dont operate profitably" @MMoney642 on X 2025-07-17 19:15:06 UTC 13K followers, 19.7K engagements
"10/ $DAVE Dave Inc P/S: 7.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% This isnt your typical neobank. Dave isnt chasing deposits - its monetizing liquidity. ExtraCash no interest and improving payback rates. Theyre proving fintech can make money on small loans at scale without predatory practices" @MMoney642 on X 2025-07-21 20:00:43 UTC 13K followers, 5524 engagements
"What do you think is the best deal of the pack I own a few of these names but it seems like some are worth looking into further. Please like and follow if you enjoyed Try out for free" @MMoney642 on X 2025-07-21 20:00:52 UTC 13K followers, 4498 engagements
"3/ $SE Sea Limited P/S: 5.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% They used to print money with Garena. Then they used that cash to fuel Shopees e-commerce blitz. Now SeaMoney is quietly scaling. X segments X region and a shot at real profitability if they balance the machine" @MMoney642 on X 2025-07-21 20:00:37 UTC 13K followers, 7823 engagements
"This is a TERRIBLE stock to sell short this is the wet dream of every Silicon Valley investor. Martin Shkreli on $HIMS The stock currently has a XX% float. If youre a $HIMS shareholder I highly recommend watching this interview. Hats off to @himshousearguably the best interview yet" @MMoney642 on X 2025-04-28 21:15:33 UTC 12.9K followers, 119.7K engagements
"@TacticzH Adyen processes over 2x the revenue and still has a XX% margin compared to DLO's XX% tho. 😉" @MMoney642 on X 2025-07-21 13:31:45 UTC 13K followers, XXX engagements
"Stocks Id BUY right now: $AMZN Amazon $GOOG Alphabet $NVO Novo Nordisk $ASML ASML Waiting for better valuation: $DUOL Duolingo $AXON Axon $SPOT Spotify $SHOP Shopify Stocks Id AVOID right now: $IONQ IonQ $AAPL Apple $TSLA Tesla $MSTR MicroStrategy What do you think" @MMoney642 on X 2025-05-24 11:47:07 UTC 13K followers, 110.2K engagements
"19/ $TVK Terravest Industries P/S: 3.7x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Youve probably never heard of them and thats how they like it. TVK rolls up unsexy cash-flow rich industrial businesses. Its all about return on capital not hype. Quiet compounder in the background" @MMoney642 on X 2025-07-21 20:00:51 UTC 13K followers, 3938 engagements
"When compared to competitors in both the cash advance and Neobank/Fintech space $DAVE presents the highest operational efficiency per employee. They lead in both revenue and gross profit per employee yet trade at just 17x FCF" @MMoney642 on X 2025-07-16 18:40:01 UTC 13K followers, 3280 engagements
"You already know what Im going to say Its a monopoly. X straight double beats. This discrepancy wont last forever $ASML" @MMoney642 on X 2025-07-17 14:56:50 UTC 13K followers, 14.1K engagements
"@SoJustFollowMe I havent looked much into $ALGN but if you say its a good buy right now Ill give it a review 😊" @MMoney642 on X 2025-07-20 11:26:22 UTC 12.9K followers, XXX engagements
"As an investor I want to buy great companies that actually know what to do with their money. Here are XX high quality businesses trading UNDER 20x operating cash flow & posting ROIC ABOVE 20%: $GOOG: 16x & XX% $META: 18x & XX% $NVO: 16x & XX% $ADBE: 16x & XX% $GAMB: 10x & XX% $LULU: 14x & XX% $PDD: 8x & XX% $DECK: 14x & XX% $DAVE: 17x & XX% $TSM: 16x & XX% Who else belongs on this list Do you own any of these names" @MMoney642 on X 2025-07-17 02:17:00 UTC 13K followers, 7862 engagements
"4/ $WISE Wise Plc Wise built its own infrastructure to move money across borders without using SWIFT. Instead of wiring money they match transfers between users in different countries. This lets them move money faster and cheaper than banks. That efficiency is their real advantage" @MMoney642 on X 2025-07-08 18:31:52 UTC 13K followers, 22.1K engagements
"If you are looking to invest into disruption. $DAVE" @MMoney642 on X 2025-07-16 18:50:55 UTC 13K followers, 6609 engagements
"5/ $ZETA Zeta Global Holdings KPI: Total Scaled Customers ZETA's business model is focused on big time clients so tracking their total scaled customers shows how successful they are at that focus. Increasing this number obviously would result in growth in the business" @MMoney642 on X 2025-06-26 20:09:08 UTC 12.7K followers, 8247 engagements
"If I had to pick ONE company to buy and hold forever It would be Brookfield Corporation. Why Theyve delivered XX% annual returns for XX years. And management now believes they can easily double in size over the next X. Here is my $BN thesis 🧵" @MMoney642 on X 2025-06-29 14:14:35 UTC 13K followers, 133.3K engagements
"As always none of this is financial advice 😊" @MMoney642 on X 2025-07-18 08:13:27 UTC 13K followers, 8765 engagements
"@MattIlich not only is it cheap its my favorite hot dog in the game" @MMoney642 on X 2025-07-19 20:07:17 UTC 12.7K followers, XXX engagements
"What did I miss Which companies do you think are true disruptors Im not saying all of these will 10x but if they take over their industry that kind of return becomes possible. If you liked this please like & follow 😊 Try free with my link" @MMoney642 on X 2025-07-17 19:15:09 UTC 13K followers, 18.3K engagements
"19/ $FICO Fair Isaac ROIC XX YR Average: 25%" @MMoney642 on X 2025-06-30 18:33:50 UTC 13K followers, 1096 engagements
"Over the last X years these X companies have grown their operating cash flows FASTER than their valuation. These businesses are generating more operating cash for every dollar of market value. 1/ $MELI MercadoLibre" @MMoney642 on X 2025-06-15 23:20:32 UTC 13K followers, 53.3K engagements
"Cadeler ( $CDLR) is expected to 3x revenue in X years. Its in the pole position within offshore wind and trades at just 17x earnings. In an industry BOOMING with demand this deserves a closer look. Today I will show you why Cadeler is a potential 5-bagger. Lets dive in. 🧵" @MMoney642 on X 2025-06-18 18:19:13 UTC 13K followers, 55.6K engagements
"Advertising Venture $UBER's new advertising stream is a textbook example of creative world class management. Theyre turning consumer movement into a commerce platform. Ads will be relevant to rides food delivery and even location data. Heres how it works: Heading to the airport Uber might show you a Starbucks coupon on the way. Booking a ride to a concert Expect ads for merch or drinks nearby. Ordering from Uber Eats Local restaurants can promote themselves during checkout. Advertisers can also offer ride credits to loyal customers. For example Molson Coors might pay for your next trip. Its a" @MMoney642 on X 2025-07-22 21:19:49 UTC 13K followers, XXX engagements
"4/ $OWL Blue Owl Capital P/S: 5.2x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% OWL isnt flashy but its a fee-earning machine. They provide capital to PE firms earn recurring revenue and stay asset-light while others chase yield. This is what slow compounding looks like when done with discipline" @MMoney642 on X 2025-07-21 20:00:38 UTC 13K followers, 6986 engagements
"Business models that could explode in the next half decade (and the company's involved): AI Infrastructure $AMZN Amazon $GOOG Alphabet $MSFT Microsoft $ANET Arista Networks $PLTR Palantir Technologies $ORCL Oracle Digital Health $HIMS Hims & Hers Health Inc. Fintech $SOFI SoFi Technologies $NU Nu Holdings Ltd. $HOOD Robinhood Markets Chips & Semiconductors $NVDA NVIDIA $AMD Advanced Micro Devices $TSM Taiwan Semiconductor Manufacturing Company $AVGO Broadcom Inc. $ASML ASML Cybersecurity $CRWD CrowdStrike Holdings $PANW Palo Alto Networks $OKTA Okta Logistics as a Service $UBER Uber" @MMoney642 on X 2025-05-25 13:07:34 UTC 12.9K followers, 42.2K engagements
"@TheEUInvestor yes but in this case I was referring to net revenues :) previous guidance was $11.2B in rev with 80-81% MLR so about $2B in net revenues newly guided $12B with 86-87% MLR is about 1.5B in net revenues" @MMoney642 on X 2025-07-22 20:29:47 UTC 13K followers, XXX engagements
"7/ $TOST Toast Inc P/S: 5.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Toast lives inside your favorite local restaurant. Its not just a POS - its the payroll the CRM the backend. Every touchpoint is another layer of software. The more they embed the harder it becomes to leave" @MMoney642 on X 2025-07-21 20:00:40 UTC 13K followers, 6179 engagements
"July X 2025 - PORTFOLIO UPDATE New Positions: $ZETA $GAMB Increased positions: $HIMS $AMD Sold position: $DIS Pretty active XX days Let's first talk about the two new positions: $GAMB is a boring business in a booming industry. I've talked about this one a lot over the past month. Their TAM is expected to 2x over the next X years and management believes they can hit $100M in EBITDA within X years. At a $450M valuation that's extremely attractive to me. I believe AI helps this company and management does too. Given the low trading volume I felt a position under X% at today's valuation made" @MMoney642 on X 2025-07-07 20:22:40 UTC 13K followers, 36.9K engagements
"Why Demand for Dave Is Rising $DAVE estimates its addressable market to be 150-180M Americans living paycheck to paycheck. This is backed by recent data: - XX% of Americans spend XX% of their income on necessities (Bank of America) - XX% live paycheck to paycheck (MarketWatch) - That includes XX% of Gen Z and XX% of Gen X😲 The need for short term liquidity is MASSIVE and GROWING" @MMoney642 on X 2025-07-20 13:08:45 UTC 13K followers, 1413 engagements
"20/ $MDA MDA Space Ltd P/S: 4.6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% From the Canadarm to lunar missions MDA has been involved in space longer than most realize. Now theyre betting big on satellite tech robotics and government contracts. Its aerospace meets sovereign-grade infrastructure" @MMoney642 on X 2025-07-21 20:00:52 UTC 13K followers, 4933 engagements
"Financials: Clean Balance Sheet $DAVE holds only $75M in long term debt. They have enough cash to fully cover it. This is a strong and healthy balance sheet" @MMoney642 on X 2025-07-20 13:08:52 UTC 12.9K followers, XXX engagements
"@SageWonk Held baba for a long time. Sold out this year after the large gains. never looked into $GLXY tho" @MMoney642 on X 2025-07-19 20:00:11 UTC 12.7K followers, XXX engagements
"$ASML is down XX% since it released Q2 earnings so now would be a good time to dive into a quality read on a premium company Always important to know the whole story 😊" @MMoney642 on X 2025-07-22 12:59:11 UTC 13K followers, 3926 engagements
"2/ $MELI Mercado Libre P/S: 5.5x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% MELI runs the e-commerce fintech and logistics backend of Latin America. Its like Amazon PayPal and FedEx in one. The moat Scale data and local market mastery. The risk Execution across volatile regions. But theyre pulling it off" @MMoney642 on X 2025-07-21 20:00:37 UTC 13K followers, 7497 engagements
"4. Visa / $V X Year Revenue CAGR: X% EBITDA Margin: XX% P/E Multiple: 37x Why can't they be disrupted Visa basically runs the rails that move trillions around the world. X billion cards over XXX million merchants all connected through a secure trusted network. Even the new wave of payment companies still rely on Visa to process at scale. Its already built into banks merchants and countries everywhere. That kind of infrastructure took decades to build and youre not replacing it anytime soon" @MMoney642 on X 2025-05-19 20:38:24 UTC 12.8K followers, 1629 engagements
"5/ $DOCN DigitalOcean DigitalOcean is the underdog of the cloud world serving startups and developers who want to avoid the complexity of AWS. It stands out for its simplicity transparency and tight-knit user community. The company is adding new dev tools and focusing on AI-native companies while gradually increasing revenue per customer without losing its core appeal" @MMoney642 on X 2025-06-11 20:38:35 UTC 13K followers, 3922 engagements
"4/ $DAVE Dave Inc. Dave is actively rethinking how small dollar credit loans work. Instead of relying on credit scores like traditional banks they use AI to review real time income and spending behaviors of lendee's. This not only reduces fixed overhead costs but it also results in faster approvals and ultimately better underwriting. As this model scales it could change the lending industry. Below shows the difference in cost to the consumer and their 12.5M members love it" @MMoney642 on X 2025-07-17 19:15:04 UTC 13K followers, 22K engagements
"Business models I've studied that possess the MOST FUTURE POTENTIAL and WHY: $HIMS Hims & Hers Health They're turning awkward health issues into high-margin subscriptions by owning the brand the funnel and the full customer experience. $AXON Axon Enterprise Theyve quietly built a recurring revenue machine with products police departments are required to use and nobody else can match their ecosystem. $UBER Uber Technologies They already dominate rides and food but the real opportunity is logistics where theyre becoming the default infrastructure for moving anything. $ASTS AST SpaceMobile If" @MMoney642 on X 2025-05-28 20:27:07 UTC 13K followers, 22.3K engagements
"@TacticzH only one I disagree with is $HIMS 💪" @MMoney642 on X 2025-07-19 20:01:38 UTC 12.7K followers, 1416 engagements
"AV Partnerships $UBER sees the autonomous vehicle market as a $1T opportunity. They dont believe it will be dominated by a single player like $TSLA. Their message to AV vendors is simple: you focus on the hardware well handle the reach. Currently $UBER's cost per human-driven mile is $X. CEO Dara Khosrowshahi has said that once AV costs fall below that mark a massive TAM becomes available. And it's one they plan to fully capitalize on. Below are their AV partners. UBER is positioning itself as the central AV hub" @MMoney642 on X 2025-07-22 21:19:48 UTC 13K followers, XXX engagements
"6/ $ASML ASML Holding L12M Revenue Growth: XX% Forward P/OCF: 28x Operating Margin: XX% ASML builds the machines that make advanced chips possible. No ASML no cutting edge semiconductors. Sure the chip sector is cyclical. But demand for leading-edge tech is only heading one way. AI HPC 3D stacking. they all need smaller more powerful transistors. Management is locked in on long-term execution and with 2026 as their target I think this one is a no brainer for patient investors" @MMoney642 on X 2025-07-02 19:57:03 UTC 12.7K followers, 3391 engagements
"+9% on the same day management reduces 2025 net revenue guidance in an insurance business is genuinely impressive. Did they walk back 2026 and 2027 guidance No but they just did for 2025 in the middle of the year. Dont interpret this as me being a hater Im just shocked $OSCR" @MMoney642 on X 2025-07-22 20:04:15 UTC 13K followers, 7606 engagements
"4/ $DECK Deckers Outdoor ROIC XX YR Average: 38%" @MMoney642 on X 2025-06-30 18:33:39 UTC 13K followers, 1396 engagements
"4/ $DLO D-local KPI: TPV and Take Rate For $DLO there are two KPIs that matter: TPV to track total volume and overall growth. Take rate to see how much profit theyre earning on that volume. You NEED both to get the full picture" @MMoney642 on X 2025-06-26 20:09:08 UTC 12.7K followers, 8362 engagements
"I can agree in a way. Its currently the wild west yes but no true LLM has a real operational advantage right now except for $GOOG. Lawsuits are already piling up and what was once considered free under data scraping wont be anymore. These LLMs will need to pay for their data. Google not only has the relationships they also own a massive portion of the data like every single YouTube video for example" @MMoney642 on X 2025-07-21 14:25:39 UTC 12.9K followers, XXX engagements
"If I had to full port into one stock itd be $BN. Close runner-up would be $GOOG. What is yours" @MMoney642 on X 2025-07-19 18:08:17 UTC 13K followers, 26K engagements
"Despite calling $HIMS the wet dream of every Silicon Valley investor and saying it was a terrible stock to short Martin Shkreli shorted $HIMS last night after they didnt raise Q2 guidance. Looks like hes joined the dark side. $HIMS is up XX% today" @MMoney642 on X 2025-05-06 17:22:59 UTC 12.9K followers, 4587 engagements
"Why $DAVE Wont Go Bankrupt Many Earned Wage Access startups fail due to high upfront costs. Dave has scaled beyond that hurdle. Their advantages include: - Lower delinquency rates thanks to AI underwriting - Customer acquisition costs that are below those of traditional banks - Short 10-day average loan durations - Revolving credit structure that allows constant re-evaluation - Growing average revenue per user $DAVE is built for long-term success and the chart below shows exactly that" @MMoney642 on X 2025-07-20 13:08:48 UTC 12.9K followers, XXX engagements
"Another item to quickly mention that is a bit of old news but still relevant: $AMD's Xilinx FPGAs can be reprogrammed after manufacturing making them ideal for defense telecom and edge AI where GPUs dont fit as well. They come with better margins and open up new markets. Now AMD is folding Xilinx IP into future accelerators giving them more control over performance and a way to stand out long term. Its old news but it fits into the entire value proposition. Something to just mention anyways we continue" @MMoney642 on X 2025-06-14 15:04:23 UTC 13K followers, 1211 engagements
"12/ $KITS Kits Eyecare P/S: 3.1x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XXX% Contacts glasses lenses - all old online and fulfilled fast. But heres the kicker: they own the lab. Owning the back end in this space means faster delivery better margins and fewer customer headaches" @MMoney642 on X 2025-07-21 20:00:45 UTC 13K followers, 4887 engagements
"7/ $ZETA Zeta Global L12M Revenue Growth: XX% Forward P/OCF: 18x Operating Margin: -X% Heres my take on $ZETA: Their assets and positioning are tough to ignore. Theyre running nearly twice as efficiently as other players in the space largely because they invested early. Now lets be real. SBC has been brutal. All the revenue and earnings growth in the world doesnt matter if it's getting drowned out by XX% dilution. That said most of that dilution is behind them. Management is now guiding toward a range of 3-4% after 2025 which is more in line with other growth names. Still a little high for my" @MMoney642 on X 2025-07-02 19:57:04 UTC 12.7K followers, 3768 engagements
"Just wanted to give some love to @SoJustFollowMe I read his posts every day and he never fails to educate me on the technical analysis of many popular names. Check out his page his write ups are always complete and informative. Thanks for all the hard work Denistratos" @MMoney642 on X 2025-07-18 16:31:23 UTC 13K followers, 4004 engagements
"16/ $ONON On Holding AG P/S: 6x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% On shoes feel like youre bouncing. That CloudTec design isnt just marketing it actually performs. Runners love it. The fashion crowd caught on. Now theyre growing global expanding into apparel and building a brand with real staying power" @MMoney642 on X 2025-07-21 20:00:48 UTC 13K followers, 4420 engagements
"CEO David Steinberg isnt lying when he says customers prefer $ZETA's product Competitors' net revenue retention has dropped since 2020 while $ZETA's keeps climbing. Theyre already generating more revenue than the rest. Now they just need further scale to drive profit" @MMoney642 on X 2025-07-22 15:20:28 UTC 13K followers, 6527 engagements
"8 Industries that have a GREAT DECADE ahead of them (and the best companies to ride the wave): AI Infrastructure $AVGO Broadcom $AMD Advanced Micro Devices $TSM Taiwan Semiconductor $NBIS Nebius $NVDA NVIDIA $ASML ASML Healthcare Tech $HIMS Hims & Hers Health $NVO Novo Nordisk $TMDX Transmedics Group $TEM Tempus AI $ISRG Intuitive Surgical Cybersecurity $NET Cloudflare $PANW Palo Alto Networks $CRWD CrowdStrike $ZS Zscaler $FTNT Fortinet Space Economy $RKLB Rocket Lab $ASTS AST SpaceMobile Advanced Manufacturing $ROK Rockwell Automation $ABB ABB Ltd. $TSLA Tesla Financial Infrastructure" @MMoney642 on X 2025-06-06 18:22:58 UTC 13K followers, 76.9K engagements
"If you invest in $ZETA you are invested in managements ability to continue this trend. I believe they will - this has been a clear focus for them. The CEO even said there is growing interest of other companies wanting to acquire Zeta. They must believe it too" @MMoney642 on X 2025-07-15 20:38:40 UTC 13K followers, 20.7K engagements
"If I had to build a $100K portfolio today heres how Id allocate it: $25K $AMZN $25K $GOOG $15K $BN $15K $NVO $10K $AMD $5K $UBER $5K $HIMS All based on todays prices. What would you change What would you add" @MMoney642 on X 2025-05-26 21:23:01 UTC 12.8K followers, 100.6K engagements
"6/ $STX Seagate Technology P/S: 3.7x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Everyones hyped on compute but no ones talking storage. Seagate is what keeps data alive after AI models finish chewing through it. When AI workloads scale storage demand doesnt lag - it surges" @MMoney642 on X 2025-07-21 20:00:40 UTC 13K followers, 6397 engagements
"5. Intuitive Surgical / $ISRG X Year Revenue CAGR: XX% EBITDA Margin: XX% P/E Multiple: 82x Why can't they be disrupted The da Vinci robot is the clear leader in robotic surgery and it's already deeply embedded in hospitals around the world. But its not just about the machine. Hospitals stick with it because of the training software accessories and service contracts that come with it. Surgeons learn on it entire workflows are built around it and switching is a nightmare. For a competitor to break in theyd have to be XX times better just to be considered" @MMoney642 on X 2025-05-19 20:38:25 UTC 12.8K followers, 1818 engagements
"Given Moodys credit rating shift will have LITTLE impact on the businesses you own here are XX UNDERVALUED names Id target if theres a selloff: $AMZN $GOOG $ASML $NVO $UBER $HIMS $BN $META $ANET $MELI Agree with the list" @MMoney642 on X 2025-05-17 19:03:06 UTC 12.9K followers, 21.4K engagements
"@alc2022 Woooow didnt see $WISE coming love the business model tho" @MMoney642 on X 2025-07-20 17:48:41 UTC 13K followers, 5293 engagements
"If you care about the price you pay for revenue growth $DAVE appears to be the best fintech deal on the market. Just sayin 🤷♂ Charts below include the following competitors: $SOFI $HOOD $UPST Have a look for yourself" @MMoney642 on X 2025-07-18 15:11:00 UTC 13K followers, 5977 engagements
"All of these companies are currently trading under a $5B market cap: - $DLO at $3.1B - $OSCR at $3.4B - $DAVE at $2.9B - $ZETA at $3.7B - $CDLR at $1.8B Which one do you think will be the first to hit $10B" @MMoney642 on X 2025-07-20 20:44:08 UTC 13K followers, 73.4K engagements
"3/ $ANET Arista Networks ROIC XX YR Average: 57%" @MMoney642 on X 2025-06-30 18:33:39 UTC 13K followers, 1686 engagements
"@VHilife Thanks Id suggest taking a deeper look into their underwriting outside of my analysis - its insanely effective at reducing delinquency. This platform helps people not spend on higher overdraft fees. It helps them 😊" @MMoney642 on X 2025-07-20 13:41:57 UTC 12.8K followers, XXX engagements
"4/ $LULU Lululemon Athletica Lululemon built a premium brand that people love to wear. But its recent earnings call showed slowing US store traffic lighter guidance and margin pressure from tariffs that caught the market off guard. Management is working to regain momentum by expanding internationally refining its product mix and leaning harder into menswear and accessories" @MMoney642 on X 2025-06-11 20:38:34 UTC 13K followers, 3829 engagements
"Even in this rebounded market you can still buy HIGH QUALITY compounders UNDER 25x Operating Cashflows These XX low multiple businesses have the following characteristics: ✔ 5Y Rev CAGR XX% ✔5Y EBITDA CAGR XX% ✔ROIC XX% ✔ 2yr Fwd Rev CAGR XX% 1/ $GOOG (Alphabet Inc.) 5Yr Revenue CAGR: XX% 5Y EBITDA CAGR: XX% ROIC: XX% 2YR Fwd Revenue CAGR: XX% The dead company with X products used by over a billion people. Like many names on this list this investment comes with risk. The concern about search revenue declining is valid but I dont have a crystal ball. What gives me confidence is the companys" @MMoney642 on X 2025-06-24 19:10:06 UTC 13K followers, 33.3K engagements
"2/ $DPZ Domino's Pizza ROIC XX YR Average: 61%" @MMoney642 on X 2025-06-30 18:33:38 UTC 13K followers, 1287 engagements
"In my eyes the only way you're going to 10x your money today is by investing in disruptors. Companies that change the norm and dont fit the typical mold of the industry. Here are XX companies that I think are operationally doing exactly that. 1/ $ZETA Zeta Global Most brands still rely on third party cookies to reach the end consumer. Zeta helps companies shift to first party data by using data that consumers have opted into. They use AI to personalize ads across email social and web. They are not just another ad platform its a full tech stack that provides over 2x the ROI per ad $ spent." @MMoney642 on X 2025-07-17 19:15:02 UTC 13K followers, 288.1K engagements
"14/ $SMCI Super Micro P/S: 1.4x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: X% Most hardware companies are slow. SMCI isnt. They customize servers at record speed and have latched onto the AI wave with NVIDIA as a close partner. Infrastructure demand is real and SMCI moves faster than legacy giants" @MMoney642 on X 2025-07-21 20:00:46 UTC 13K followers, 5317 engagements
"Financials: Adjusted EBITDA Surging Adjusted EBITDA is the right metric for $DAVE since they incur very little interest expense and net income includes loan loss provisions which is a non cash expense. Management recently raised 2025 EBITDA guidance from $110-120M up to $155-165M. That is 79-91% growth. They have hit earnings guidance in last 9/10 quarters" @MMoney642 on X 2025-07-20 13:08:54 UTC 12.9K followers, XXX engagements
"Valuation Despite $UBER trading near all-time highs it still isnt at its median P/FCF multiple. Revenue growth has actually accelerated compared to last year. Consensus estimates project over $12B in free cash flow by 2027. At a simple 27x multiple (its historical median) that implies a $324B valuation a near double from today. And remember the ventures listed above should continue expanding FCF margins from here. I expect them to beat estimates comfortably" @MMoney642 on X 2025-07-22 21:19:51 UTC 13K followers, 1330 engagements
"13/ $MU Micron Technology P/S: 3.8x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Micron doesnt make the flashiest chips. They make memory. DRAM NAND and now HBM for AI. Its boom or bust but when theyre in the boom cycle the numbers get silly. They're in every device you own and thats not changing" @MMoney642 on X 2025-07-21 20:00:46 UTC 13K followers, 5796 engagements
"3/ $ASTS AST SpaceMobile AST Space mobile wants to eliminate dead zones by turning satellites into cell towers. Their satellite tech will connect directly to everyday smartphones with no additional hardware needed. This wont just be about better coverage its about expanding mobile access where its never existed before" @MMoney642 on X 2025-07-17 19:15:04 UTC 13K followers, 22.3K engagements
"18/ $BOW Bowhead Specialty P/S: 2.4x Revenue Growth: XX% Forward Revenue Growth (2 yr): XX% Operating Margin: XX% Bowhead doesnt underwrite basic auto or home. They specialize in risk others avoid - cyber professional liability complex niche coverage. Thats where pricing power lives and BOW isnt afraid to lean into it" @MMoney642 on X 2025-07-21 20:00:50 UTC 13K followers, 3952 engagements
"@meeijer You know how much I love my $HIMS 😍" @MMoney642 on X 2025-07-19 18:10:00 UTC 12.7K followers, 1256 engagements
"Uber One: Fortifying the MOAT One of my favorite parts of the $UBER investment is Uber One. Launched in 2021 it has grown to 30M members by December 2024 with 5M added in Q4 2024 alone. YE 2022: 12M YE 2023: 19M YE 2024: 30M Subscribers who use both rides and delivery are much more likely to stay in the ecosystem. That makes price or feature competition less effective. Management has already noted that Uber Eats membership penetration is 60%. Uber One doesnt create the moat but it definitely reinforces it" @MMoney642 on X 2025-07-22 21:19:50 UTC 13K followers, XXX engagements
"@HyperTechInvest SpaceX P/S multiple for recent capital raise was about 26x 2025 revenue. That would argue that 55x sales for $RKLB is a bit stretched but maybe I'm ignorant" @MMoney642 on X 2025-07-20 16:23:30 UTC 12.9K followers, 2647 engagements
"So is the market just calling it the end for $NVO Operating Cash flow is up XX% since Q1 2022. The stock Barely moved" @MMoney642 on X 2025-07-21 15:32:57 UTC 13K followers, 17.9K engagements
"$UBER reached all-time highs a few weeks ago and is STILL one of the BEST opportunities in the market. Its growing fast generating serious cash flow and is well positioned to capitalize on the autonomous vehicle wave. Its an underappreciated biz. Here is my $UBER thesis 🧵" @MMoney642 on X 2025-07-22 21:19:45 UTC 13K followers, 13.6K engagements
"Here is the Gross profit per employee as well. $DAVE $SOFI $OPFI $ML $AFRM" @MMoney642 on X 2025-07-16 18:40:02 UTC 13K followers, 1317 engagements
"Financials: Free Cash Flow Strength $DAVE is operating at a XX% FCF margin on a stock-based compensation adjusted basis. With $460M in revenue that equates to $147M in FCF for 2025. That puts them at roughly 20x FWD FCF even with no further margin improvement" @MMoney642 on X 2025-07-20 13:08:51 UTC 13K followers, XXX engagements