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# ![@marketswithmay Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1608598477809786881.png) @marketswithmay MarketswithMay

MarketswithMay posts on X about $sofi, balance sheet, money, $fitb the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::1608598477809786881/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:interactions.svg)

- X Week XXXXXXX +90%
- X Month XXXXXXX +14%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::1608598477809786881/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:posts_active.svg)

- X Week XXX +138%
- X Month XXX -XX%
- X Months XXXXX -XX%
- X Year XXXXX -XXXX%

### Followers: XXXXX [#](/creator/twitter::1608598477809786881/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:followers.svg)

- X Week XXXXX +0.72%
- X Month XXXXX +1.10%
- X Months XXXXX +8.90%
- X Year XXXXX +30%

### CreatorRank: XXXXXXX [#](/creator/twitter::1608598477809786881/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1608598477809786881/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1608598477809786881/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXXX% [technology brands](/list/technology-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [countries](/list/countries)  XXXX% [social networks](/list/social-networks)  XXXX% [celebrities](/list/celebrities)  XXXX% [currencies](/list/currencies)  XXXX%

**Social topic influence**
[$sofi](/topic/$sofi) #122, [balance sheet](/topic/balance-sheet) #1623, [money](/topic/money) 2.28%, [$fitb](/topic/$fitb) #15, [$cma](/topic/$cma) #10, [debt](/topic/debt) 1.83%, [$sivb](/topic/$sivb) #1, [luxury](/topic/luxury) 1.83%, [$jpm](/topic/$jpm) #108, [$blk](/topic/$blk) XXXX%

**Top accounts mentioned or mentioned by**
[@macrovet888](/creator/undefined) [@grok](/creator/undefined) [@cameronboswell8](/creator/undefined) [@winnerinvestor](/creator/undefined) [@sfarringtonbkc](/creator/undefined) [@monkechevarria](/creator/undefined) [@pewithjoe](/creator/undefined) [@ruchernchong](/creator/undefined) [@herrohansbrix](/creator/undefined) [@datadinvesting](/creator/undefined) [@11takesphotos](/creator/undefined) [@damascenemoment](/creator/undefined) [@kevindmonaghan](/creator/undefined) [@krossroads](/creator/undefined) [@nataninvesting](/creator/undefined) [@mr_eugene_rat](/creator/undefined) [@senatorrounds](/creator/undefined) [@therealdonaldc3](/creator/undefined) [@theofficialmwb](/creator/undefined) [@rickyinvests](/creator/undefined)

**Top assets mentioned**
[RAI Finance (SOFI)](/topic/$sofi) [Fifth Third Bancorp (FITB)](/topic/$fitb) [Comerica, Inc. (CMA)](/topic/$cma) [SVB Financial Group (SIVBQ)](/topic/$sivb) [JPMorgan Chase (JPM)](/topic/$jpm) [BlackCoin (BLK)](/topic/$blk) [GammaSwap (GS)](/topic/$gs) [Charles Schwab Corporation (SCHW)](/topic/$schw) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [UnitedHealth Group (UNH)](/topic/$unh) [The Toronto-Dominion Bank (TD)](/topic/$td) [Iron Mountain Inc (IRM)](/topic/$irm) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Wells Fargo & Co (WFC)](/topic/$wfc) [Nasdaq Inc (NDAQ)](/topic/$ndaq) [Bank of New York Mellon Corp (BK)](/topic/$bk) [Deutsche Bank Aktiengesellschaft (DB)](/topic/$db) [PNC Financial Services Group Inc (PNC)](/topic/$pnc) [Synchrony Financial (SYF)](/topic/$syf) [Morgan Stanley (MS)](/topic/$ms) [PACCAR Inc (PCAR)](/topic/$pcar) [Edwards Lifesciences Corp (EW)](/topic/$ew) [Davita Inc (DVA)](/topic/$dva) [FirstEnergy Corp. (FE)](/topic/$fe) [CBRE Group Inc (CBRE)](/topic/$cbre) [Mastercard, Inc. (MA)](/topic/$ma) [Toll Brothers, Inc. (TOL)](/topic/$tol) [NVIDIA Corp. (NVDA)](/topic/$nvda) [CarMax, Inc (KMX)](/topic/$kmx) [Domino's Pizza Inc (DPZ)](/topic/$dpz) [CME Group Inc (CME)](/topic/$cme) [Basis Cash (BAC)](/topic/$bac) [J B Hunt Transport Services Inc (JBHT)](/topic/$jbht) [TrustVerse (TRV)](/topic/$trv) [Jackson Financial Inc. (JXN)](/topic/$jxn) [Bitcoin (BTC)](/topic/bitcoin) [CSX Corporation (CSX)](/topic/$csx) [American Express Company (AXP)](/topic/$axp) [Molson Coors Beverage Co Class B (TAP)](/topic/$tap) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Prologis Inc (PLD)](/topic/$pld) [UBS Group AG (UBS)](/topic/$ubs) [WABnetwork (WAB)](/topic/$wab)
### Top Social Posts [#](/creator/twitter::1608598477809786881/posts)
---
Top posts by engagements in the last XX hours

"I really dont like being mean but this Economist article is painful. And honestly @TheEconomist its the last straw for me. Tell me you dont understand a balance sheet without telling me you dont understand a balance sheet. Having debt end of days. Having debt without a growth plan thats the problem. And guess what Thats what youre supposed to be writing about. As you criticize every single thing happening in the world have you stopped to think about that What do you think policymakers and economists are fighting for right now Let me help: growth. The U.S. wants it. Other countries want it."  
[X Link](https://x.com/marketswithmay/status/1978904936734953729) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T19:24Z 9464 followers, 2246 engagements


"Budgeting and spending caps. Someone with this demo might do better in an annuity-like structure of a situation where they don't even see the full amount of what they own as base capital. Instead they only need to think in terms of annual income (via the annuity) and what it might imply to future payouts if they don't spend up to the annuity payout (retained earnings into base capital). I say this b/c good and bad markets are very different worlds and an annuity necessarily forces a smoothing of returns in a risk-adjusted way. Excited to read what others post. I think it's a great topic to"  
[X Link](https://x.com/marketswithmay/status/1977756543215911298) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T15:21Z 9461 followers, 1490 engagements


"$SCHW reported 10/16. Amazing Q. Rev + XX% Adj Net Inc + XX% $SCHW will likely continue to post crazy numbers as you unwind the stupid that was $SIVB market induced penalites on these guys and they continue to have the benefit of $TD clients coming back to $SCHW's better trading interface/offering. I don't have a position here but at 22x and under an administration dedicated to creating market volatiity it's probably undervalued through the next election cycle. Here is the money shot. ADV up 31%. Why is it so relevant. B/c unlike $HOOD and other 2-bit small time brokers $SCHW has a legit"  
[X Link](https://x.com/marketswithmay/status/1980298618226487449) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T15:42Z 9459 followers, 5584 engagements


"$IRM + X% on a pretty great Q raises guide. Limited love. Rev + XX% Affo + XX% But here's the thing. This is REIT. It's not supposed to grow earnings like this. This thing is down XX% from it's high and tbh the quants and market short sellers can suck it. For reals. I have no idea why this doesn't have closer to a market dvd yield in the low 2's given everything that is going on in data centers. I'm likely going to find a place to add b/c I don't trust this market anyway. This thing will continue to raise its dvd and "digitize" existing clients while simultaneously upselling them on more"  
[X Link](https://x.com/marketswithmay/status/1953599324002394591) [@marketswithmay](/creator/x/marketswithmay) 2025-08-07T23:29Z 9460 followers, 1017 engagements


"$DVA. down XX% since reporting. The thing trades at 12x and they got hacked which caused a mess of problems. Rev +8% Oper Inc + X% and Net income incorporating some debt expense wasn't actually that bad. I'm not in this one and I will monitor all of healthcare in general but at around 35min wow. Question from investors about the way they are verbalizing the increase in Mortalities. Essentially they were like it kinda sounds like you're saying this isn't about bringing it back to pre-Covid levels but that more people are dying. Was really interesting to listen to the CEO dance around the fact"  
[X Link](https://x.com/marketswithmay/status/1955035637586751943) [@marketswithmay](/creator/x/marketswithmay) 2025-08-11T22:36Z 9454 followers, XXX engagements


"$FE. They did fine reporting 7/31. But this space and the build that is happening is crazy. For context $FE has about 35k megawatts in W. Va area about XX% is coal. So some of that will come off. The CEO says they could easily see themselves adding 1000 megawatts in the next XX years to meet demand and also try to grow the data center biz to this region. The capex this implies is a thing not gonna lie. He also talks about a stupid spend that almost happened in this area. I think it's hard to appreciate what's going on in utilities infrastructure. Goodness knows if it's done poorly it's a"  
[X Link](https://x.com/marketswithmay/status/1955612620368515382) [@marketswithmay](/creator/x/marketswithmay) 2025-08-13T12:49Z 9455 followers, XXX engagements


"Just FYI to those that aren't aware of it Commercial Real Estate is actually starting to recover for the second quarter in a row at this point. The bottom was sometime in Q3 with the election uncertainty delaying some recovery. Here is what $CBRE saw"  
[X Link](https://x.com/marketswithmay/status/1963251099059601447) [@marketswithmay](/creator/x/marketswithmay) 2025-09-03T14:41Z 9453 followers, XXX engagements


"This guy seems really smart and yet from his poll you can tell he isn't aware that Apple Google Amazon & Meta all use $V $MA rails. Starting to realize this is likely the most misunderstood part of payment processing.😢"  
[X Link](https://x.com/marketswithmay/status/1968374414887788995) [@marketswithmay](/creator/x/marketswithmay) 2025-09-17T18:00Z 9459 followers, 1673 engagements


"IMO. a Luxury Homebuild like $TOL exiting multifamily is a little like my rich friends saying they will no longer be buying generic brands. The only thing it means is they found a buyer and they want to use the money for other luxury things b/c they see opportunity (like luxury handbags in the case of my asian girlies who feel their channel bag is beautiful & appreciates in value). But it also is bullish that someone wants to go ahead and buy these things right now with only 25bps of rate decrease. $LEN $PHM $MRP"  
[X Link](https://x.com/marketswithmay/status/1968687810434449695) [@marketswithmay](/creator/x/marketswithmay) 2025-09-18T14:45Z 9455 followers, XXX engagements


"I'll reteweet it both b/c I support folks that do deep dive and also - given my Data Center exposure $IRM $NVDA etc I'm curious what we've got here"  
[X Link](https://x.com/marketswithmay/status/1970475812282671126) [@marketswithmay](/creator/x/marketswithmay) 2025-09-23T13:10Z 9456 followers, 1151 engagements


"That is just a normal insurance deposit/payout. That is not the modification to reserves related to a falling interest rate. And also something doesn't make sense in this relative to what I'm seeing on the balance sheet and also with investment returns. Usually what you're talking about would show on the balance sheet. This is what I"m seeing. That look fine to me. Also @sfarringtonbkc is bullish not bearish on this one. What I"m referring to is the fact that as an actuary when rates decline the calculation (done on a dcf) requires you to reserve more. This is why many pensions benefited from"  
[X Link](https://x.com/marketswithmay/status/1974825908100870574) [@marketswithmay](/creator/x/marketswithmay) 2025-10-05T13:16Z 9452 followers, XX engagements


"@TheRealDonaldC3 I'm long $KMX.I should do a video on it. Cool"  
[X Link](https://x.com/marketswithmay/status/1975527257897902573) [@marketswithmay](/creator/x/marketswithmay) 2025-10-07T11:42Z 9452 followers, XX engagements


"Posting this once and for all on $HOOD vs $SOFI. Stop tagging $SOFI. I assume you're only tagging $SOFI b/c you're desparate for some analysis from grown-ups so here you go. Now leave us alone"  
[X Link](https://x.com/marketswithmay/status/1977747991864725765) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T14:47Z 9453 followers, 3831 engagements


"$JPM $C $BLK $WFC $GS all report tomorrow. The expectations is that these guys will all crush it particularly $GS given how many deal announcements were made in the last Quarter. That said it will be all about how much and what precisely they guide. I'm not convinced they will give visibility into 2026 that is new but if they do & it's better than expected that will be a thing. Of the group $C is valued the lowest b/c what they really need is lower rates and stabilization in the remaining Int'l markets that they are in. TTS (Treasury services) is supposed to be a big deal of a biz for them;"  
[X Link](https://x.com/marketswithmay/status/1977760404865487099) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T15:36Z 9455 followers, 1382 engagements


"The markets trading down on China given what the financials reported this morning is an opportunity. I will post very soon on all of them. But this could not be a dumber override macro sell-off in front of what these companies are saying. $BLK $JPM"  
[X Link](https://x.com/marketswithmay/status/1978092802014666955) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T13:37Z 9456 followers, 1706 engagements


"$WFC. +6% likely because of the guide for ROTCE going forward. I'm pretty indifferent as this a B+ at best quarter. Rev + X% Net Inc +9% ROTCE +110bps to XXXX% They are guiding that they will be in line with industry (at last) through the next 12m (so around 17-18%+). That it's going to come from reducing CET1 is so stupid IMO. The reason I can never get behind $WFC is how they play the game. In fariness this is a major thesis of mine aka Street Analysts have no concept of how much liquidity is locked up because of rates and what that implies to CET ratios. The problem is that of ALL the"  
[X Link](https://x.com/marketswithmay/status/1978135161590997464) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T16:25Z 9454 followers, XXX engagements


"Keep in mind when I post stuff on the FED and also earnings calls I paraphrase for X reasons: 1) So you can understand how it is NOT about what was said but whether you understood it. (AKA earnings call comprehension May vs. AI) 2) It's only possible to listen to XXX calls a quarter if you make it fun for yourself"  
[X Link](https://x.com/marketswithmay/status/1978167164701216801) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T18:32Z 9457 followers, XXX engagements


"$C +3.8% I really should have bought the calls I mentioned yesterday. Rev + X% Net Inc + XX% ROTCE 8%. For $C this isnt bad. This is actually the X environment that helps them. And while they are not doing anything super exciting at least they arent screwing it all up. They are finally getting the volume to make money (at last) and likely this particular great macro will provide a pretty great tail wind. They are up against such great comps and as bad as this market has been to $C and the US banks the fact is the onshore Intl banks had it worse and just arent as competitive right now. Thats"  
[X Link](https://x.com/marketswithmay/status/1978197084844028329) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T20:31Z 9453 followers, 2344 engagements


"$C. to help people trying to learn banks. You can't look at it like other banks b/c they have been winding down since before Covid. All your general metrics on the Commercial bank will be off b/c they literally don't want to grow deposits right now. Instead you have to understand the remaining biz and understand how much cash or loss is being thrown-off by what they are exiting. What was happening before was that all of their biz were in awful environments. Now you at least have TTS & banking helping while the Commercial bank continues to wind down. Remember size DOES NOT Help you as a"  
[X Link](https://x.com/marketswithmay/status/1978201020879761549) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T20:47Z 9454 followers, 1329 engagements


"$DPZ. + X% yesterday great Q. Rev + X% Op Inc + XX% Net Inc -X% EPS -X% They had some weird 1x items but the comps were so strong you have to read this one as a positive. A lot of nothing burger comments trying to find the bear thesis on Best deal ever. Comps were way to strong to criticize them. Personally I'm shocked on the US comps. Again the consumer is way stronger than surveys or whatever it is folks are trying to do to demonstrate otherwise"  
[X Link](https://x.com/marketswithmay/status/1978436225280229521) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T12:22Z 9456 followers, XXX engagements


"Come on Vol traders you cant make this sh*t up. I mean $ndaq $CME and of course shout out to the market makers. We are all so being played"  
[X Link](https://x.com/marketswithmay/status/1978644928923144277) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T02:11Z 9461 followers, 1362 engagements


"As a childless spinster I am so grateful to AI for giving me a place to dump my Tiger Mom tendencies other than anyone who works for/with me. Below is $BAC. i'll post a note shortly on it's earnings call since I took an extended nap and now I can't sleep"  
[X Link](https://x.com/marketswithmay/status/1978650721789546694) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T02:34Z 9456 followers, XXX engagements


"$JBHT + 17%. D**** color me impressed. This is a really solid Q given what's happening in the industry. Rev - Flat Op Inc + X% Net inc + 5.6%. EPS + XX% Costs weren't necessarily better so much as the spent less on renting capacity from others. But the real headline is that massive buyback of shares. X% it looks like. Who the heck in the S&P XXX buys back X% of their shares other than maybe Warren Buffett Crazy. I guess they think they are undervalued. It's 24x which is technically a bit rich. But if you get an actual improvement and turn in this econ that typically compresses quickly (aka"  
[X Link](https://x.com/marketswithmay/status/1978705565070025046) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T06:12Z 9452 followers, XXX engagements


"$TRV. down X% Why the F would anyone trade it down on this sort of earnings Rev +5% Net Inc + XX% but combined ratio of XXXX% The degree to which day traders run these markets with a questionable understanding of what these companies do creates opportunities. Since I've been so loud about taking a position in $JXN I now need to try to cover Insurance better so I understand any correlation risk. Bottom line while $TRV is in TOTALLY DIFFERENT biz lines the dynamic on the combined ratio is still a thing. Here's the deal: $TRV had some regulatory issues that had them capped on growth. I can see"  
[X Link](https://x.com/marketswithmay/status/1978823622811701336) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T14:01Z 9452 followers, XXX engagements


"$BK more or less flat after trading down in the pre-market b/c the market is just being stupid on the Financial Sector. At 2x book I'm not going to get too mean to traders as long as they don't start trading it down X% as with the pre-market. Rev + X% Net Income + XX% EPS + XX% I don't own $BK but I like listening to the call b/c I find the CEO's accent very soothing when he's reviewing such a positive performance. $BK's rough patch hasn't been a thing for years at this point. They are benefiting from the types of biz they remain in. TTS is a chill vibes biz. You basically custody do changes"  
[X Link](https://x.com/marketswithmay/status/1978846083263701101) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T15:30Z 9455 followers, XXX engagements


"Since literally all the TTS providers ($C $BK etc) talked about tokenization Reuters did this interview. It's not a bad starting place but if I'm being Critical Earnings Season May this WAS NOT what folks were talking about. The TTS biz has a special connection not to blockchain but to stablecoin. Tokenizing securities is old news. But Stablecoin how you properly implement it with a proper US TTS provider and what it implies for the USD and the future of crypto That's the part that is new and newsworth. Just X girl's opinion"  
[X Link](https://x.com/marketswithmay/status/1978852063917265225) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T15:54Z 9453 followers, 1273 engagements


"I personally think that Noto deserves the $XX stock price comp so anything below that shouldn't have vol b/c that's likely undervalued. I think this $XX ptx stuff is nonsense and all that analyst will be doing is raising their targets again. But you know it takes X sides to make a market so I can't get mad"  
[X Link](https://x.com/marketswithmay/status/1978874954470035514) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:25Z 9453 followers, XX engagements


"Whoever is throwing sh*t off the $DB (Time Warner Center) roof park area. You need to stop. I can see it. It's not funny no matter how frustrating your job is. And it's F-in dangerous. And I will walk over there and find you if it damages my apartment in any way"  
[X Link](https://x.com/marketswithmay/status/1978889250897625421) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T18:22Z 9453 followers, XXX engagements


"$CSX. +2.5% on the power of a new CEO Rev -X% Op -XX% Net Inc -XX% The smart move for any CEO is to just puke it out the first Q and I think the street is giving them a hall pass as a result. While most of the call was about him now presenting himself to the public and how there were both cost and opportunities to increase biz (classic) the X thing he said that was intriguing to me had to do with the fact he felt many things that were going by truck could still travel by rail and he'd like to now why it's not. He might be right but this becomes interesting. I think the rails have been on"  
[X Link](https://x.com/marketswithmay/status/1979186258342469751) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T14:02Z 9456 followers, XXX engagements


"$AXP +6% if their macro is right a very bad sign for bears Rev + XX% Net Inc + XX% raising guide. $AXP - which has only the tiniest super prime back but is mostly fee-based revenue can only possibly show you the strength of those in a particular income/credit rating bracket. Hence we watch this to understand pieces of $SOFI. Bottom line That group is strong and def spending in through the Quarter. Now because $AXP is a network and $SOFI's Galileo sits in a totally different lower part of the transaction stack piece of cards $V $MA $AXP always tend to show differently. Also these guys all have"  
[X Link](https://x.com/marketswithmay/status/1979230088622190864) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T16:56Z 9452 followers, 4304 engagements


"Money isn't everything. But for many Financial Independence & Confidence is your current Life Quest. It once was mine. Ill be sharing more of my life & the journeys that shaped it interspersed with my usual markets & econ posts. The world could use more hopefulness. And maybe some of you are a little curious about me"  
[X Link](https://x.com/marketswithmay/status/1979555448727773621) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T14:29Z 9452 followers, 2791 engagements


"One of the craziest things in modern life is how were split into parts. Historically someone like Leonardo da Vinci could be an artist scientist inventor and spiritual seeker all at once weaving his passions and soul into a cohesive whole. Today we see it in roles like mother and career woman or business person and artist. Its not gender specific though. It's everywhere. In a meditation I was told I need to bring all the pieces of myself together. Its not just about being open about what I do. It's about creating a life (personal skills people & processes) that supports the breadth of all"  
[X Link](https://x.com/marketswithmay/status/1979953483634851855) [@marketswithmay](/creator/x/marketswithmay) 2025-10-19T16:51Z 9461 followers, 1286 engagements


"I probably should have posted the median account size. It's $XXX. The Average account size is like $5-$10k depending on where you look. NYC is expensive AF and while I'm pretty good about budgeting regardless of whether I need to $10k isn't hard in NYC during the holidays and with any biz expenses you might be taking on"  
[X Link](https://x.com/marketswithmay/status/1980306910781010075) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:15Z 9453 followers, XX engagements


"$SCHW It's been a great investment if you got it when it was being clobbered. It will likely continue to be fine. Mad respect for the CEO during $SIVB just coming out and calling BS on all the nonsense that folks spewed about HTM (not me. if you'll recall). I should have just bought in the $60s and held it through but punted in the $70s instead"  
[X Link](https://x.com/marketswithmay/status/1980317025508684285) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:55Z 9453 followers, XX engagements


"Why would you compare it that way in understanding its strategic positioning. No one is saying it's an unnecessary spinout. We're talking about the strategy of it. You realize it's VERY RARE for a company that owns brands to spin out the cosmetics and fragrence biz which acts as the upside on macro turn right Like that is a huge component of how folks monetize the brand. It quite literally undoes years of what has been going on in specifically luxury branding strategy. Maybe come at me differently"  
[X Link](https://x.com/marketswithmay/status/1980317724069998645) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:58Z 9461 followers, XX engagements


"@MACROVET888 Irrelevant to what I'm saying"  
[X Link](https://x.com/marketswithmay/status/1980318122176565260) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:00Z 9459 followers, XXX engagements


"@MACROVET888 No you do not. What do you think $TAP does. It's not that much bigger"  
[X Link](https://x.com/marketswithmay/status/1980318455380471980) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:01Z 9459 followers, XX engagements


"Look. you're focused on the X companies you might have chanced upon looking at. I review all of retail. I would NEVER compare LVMH to Keurig the way you are other than they are two luxury brand companies. LVMH is it's own conglomerate of an animal that is structured totally different even from the standpoint of domicile. Moreover LVMH has a very particular CEO and Moet - historically was as large as half the biz. What you're saying is cool (financials) but you are missing what I'm saying on the strategic side on what you'd then want to look at across the industry. Keurig - which I don't"  
[X Link](https://x.com/marketswithmay/status/1980319960418210291) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:07Z 9461 followers, XXX engagements


"I don't even know what that means. So I misspelled on X. It doesn't make what I'm saying wrong. You can learn to come at people differently and try to understand their point particularly if you are a shareholder of anything in retail. I mean the crazy thing is that this doesn't just change the landscape for $KER (which I care nothing about as I cover the US) it changes the landscape for all the US companies too ($TAP $ULTA $EL etc) Or are you macro-focused but not industry macro-focused"  
[X Link](https://x.com/marketswithmay/status/1980322702469550174) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:18Z 9456 followers, XX engagements


"@CameronBoswell8 That doesn't strengthen my argument to care any more than Elon found it a good argument that subs existed on Twitter that weren't real people"  
[X Link](https://x.com/marketswithmay/status/1980323694498263411) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:22Z 9452 followers, XX engagements


"@MACROVET888 Ok. then precisely go back and re-read what I wrote to understand why your entire thread is completely awkwardly bonkers"  
[X Link](https://x.com/marketswithmay/status/1980331019116114006) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:51Z 9459 followers, XX engagements


"Great. And if you look through you'll see I answered all your strategy questions and then some. And your response is that I misspelled Kering and to pitch you (on what I have no idea b/c I'm not even talking about Kering but the entire industry). And this is despite having explained precisely the impact on the industry and which companies are impacted in the US. That is what makes it all seem very petty. Make sense how the whole tone is very off-putting"  
[X Link](https://x.com/marketswithmay/status/1980332870183837852) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T17:58Z 9459 followers, XX engagements


"@MACROVET888 @grok @grok. you never responded"  
[X Link](https://x.com/marketswithmay/status/1980353263183802483) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:19Z 9452 followers, XX engagements


"@CameronBoswell8 I'm not sure what you're talking about and I'm intrigued at how Ai can help me be clearer. @grok can you provide a better way of saying what I'm saying about KYC and what it is that $HOOD does that has so many of us wanting to just stay on the sidelines"  
[X Link](https://x.com/marketswithmay/status/1980353692764369392) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:21Z 9460 followers, XX engagements


"Maybe. More likely it's b/c they are a young enough brand where - into Covid - the growth online gained enough maturity vs the number of stores opened in only the last few years. They are rather refined in their strategy for where to place stores b/c of the luck of being slightly immature in store strategy going into a period that really highlighted the risks. me thinks. not sure though"  
[X Link](https://x.com/marketswithmay/status/1980355616699744265) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:29Z 9459 followers, XXX engagements


"@Kenmegan44 I am unaffected other than Grok is a little slow right now as I test capabilities"  
[X Link](https://x.com/marketswithmay/status/1980356321355657416) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:31Z 9457 followers, XX engagements


"@CameronBoswell8 @grok @grok help explain better than I can why this rule exists both loss and historical precedence related to what has happened"  
[X Link](https://x.com/marketswithmay/status/1980360541987303670) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:48Z 9452 followers, XX engagements


"I am loving AI. The only thing I'd add to this is that once things went south the regulators started looking for folks to blame and it got ugly. That said I neither think things will go South or that even if they do the KG relationship won't act as a Trump card. Hence ya'll should do fine being long"  
[X Link](https://x.com/marketswithmay/status/1980361456005587281) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:52Z 9452 followers, XX engagements


"It occurs to me. If I post something and folks have clarification questions. GROK is actually better at explaining what I missed. or at least I am - at this stage of its development - I'm interested in what AI says I ought to have included in my OP to help clarify. Plus Grok makes less typos"  
[X Link](https://x.com/marketswithmay/status/1980361832641831306) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T19:53Z 9460 followers, XXX engagements


"Oh no. what i meant is if you only have X marketmakers vs the XX you stated in your prospectus (aka freudian way of telling us it's really X despite suggesting 16) and you're doing PFOF and one of those market makers is your largest investor/owner what might be going on here that freaks everyone that is traditional out about this arrangement"  
[X Link](https://x.com/marketswithmay/status/1980374934816722983) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:45Z 9452 followers, XX engagements


"Oh @Grok grok grok. you're totally missing what I'm saying. There is an inherent conflict of interest in 1) having your major investor be the largest Market Maker 2) The idea that PFOF reduces commissions given the spreads on pennies and options 3) The weirdness of suggesting you have X when in fact you have XX counterparties 4) The massive conflict of interest between those X. Please. help us understand that and why that then leads many to just stay on the side lines despite realizing this also implies $HOOD will do great"  
[X Link](https://x.com/marketswithmay/status/1980376197998735771) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:50Z 9452 followers, XX engagements


"I have no idea what comment you're trying to make Debt on a balance sheet for a bank or broker is not the same as the debt that you might see for other companies. Are you trying to suggest that it means something other than the bank is functioning properly This is not how you analyze or otherwise understand a bank given what the assets are"  
[X Link](https://x.com/marketswithmay/status/1980622192212648103) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T13:08Z 9454 followers, XX engagements


"@BakkenShale Here. try this. This should help explain how to properly read the balance sheet of a bank"  
[X Link](https://x.com/marketswithmay/status/1980623536365441265) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T13:13Z 9452 followers, XX engagements


"$GOOGL $GOOG. listen programming & YouTube folks. They pay you enough to prevent bedbugs but you still have to be diligent. There are many products on $AMZN work better than their cloud server if traveling is causing this. Also lavender works. Line your luggage with lavender spray. Link:"  
[X Link](https://x.com/marketswithmay/status/1980715189583360443) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:17Z 9464 followers, XXX engagements


"$PNC -X% b/c Day traders just feel like it. The Quarter was excellent Going to listen to it but let me just show you why the Analysts on $SOFI irritatingly wrong. $PNC. is a chill vibes Bank out of PA. They are about as mature a regional as you can get. This is what they did in earnings. Revenue Growth (meaning from loans) Rev + X% Net Income + XX% EPS + XX% (They are buying back stock). Now WHY you might ask is this relevant Because $PNC still has more HTM assets than AVS assets. It quite literally is NOT extending balance sheet and it's average duration (we'll see if that's changed) is"  
[X Link](https://x.com/marketswithmay/status/1978476823286550767) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T15:03Z 9464 followers, 1808 engagements


"On reading bank Balance Sheets $PNC $SOFI. This is a pure education post. One response - a good one - on $PNC had to do with NIM guide up 1.5%. I really want to help people learn to read bank financials. $SOFI will report later and you can look at what they post in comparison. This is $PNC's balance sheet. They are a great bank. I thought this was a decent Q plus or minus a few small things. But this is what NIM is. And it is a bank strategy whether you extend balance sheet (make loans) or wait and hold onto cash collect the rate on the loans. You also get to strategically decide where to"  
[X Link](https://x.com/marketswithmay/status/1978493456009035968) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T16:09Z 9464 followers, 2682 engagements


"$PLD + XXX% Great Q. Tears stream down my eyes every quarter b/c I'm so cheap I can only appreciate the beauty of their biz acumen from the sidelines. Rev + XXX% FFO + XXX% raising guidence You don't value REITS on EPS b/c of the below the line items that are a regular part of real estate messing up any meaningful info from net income. The best way for a public REIT is to look at the dvd yield after understanding that all the other stuff is doing fine. In this regard XXX% yield is prob the cheapest it will get. $PLD was primarily the warehousing for $AMZN then it grew to everyone else that"  
[X Link](https://x.com/marketswithmay/status/1978685053992415624) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T04:50Z 9464 followers, XXX engagements


"None of these guys are large cap S&P Names. I'll take a look at $WAB as they were holding on by a thread post $SIVB. That they took more risk to dig out of it was dumb. They should have just been married to someone. $UBS is the last man standing for Switzerland since $CS blew up. I might listen on that. They really should have known better. Most likely to eat their lunch would be $DB who figured out how to stay clean on $CF's nonsense (which the Swiss Regulators forced $UBS to swallow. I'd mention though if any of these two issues came from the $CS period the regulators do have some loss"  
[X Link](https://x.com/marketswithmay/status/1978883625966768621) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:59Z 9464 followers, XXX engagements


"$STT. After trading down with the China news on Thursday for goodness knows what reason the stock was up on Friday post earnings. Rev +8% Net Inc XX% State Street has the index biz and the tts biz. the fact is market vol was so crazy that it drove the index biz like mad. Here's the mix of what happened and they are generating a ton of cash. It's a high margin econ of scale volume-based biz. Hence it really only comes down to valuation which at 11x earnings is not a thing TBH. I mean come on they are not really a bank. The Custodian TTS folks are not even GICed as such and folks are thinking"  
[X Link](https://x.com/marketswithmay/status/1979560571251904926) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T14:49Z 9464 followers, XXX engagements


"No one wants to say this out loud. Its great to have diverse & intl friends. Its also brutally annoying to learn & check so many different apps. WhatsApp iPhone msg line kakao WeChat signal telegram fb msg instagram X This is why Im an introvert"  
[X Link](https://x.com/marketswithmay/status/1980791094389473598) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T00:19Z 9464 followers, XXX engagements


"$BNY -X% but a suprisingly Good Q. Rev +6% EPS + XX% ROE 12.5$ ROTCE + XX% I mean no one clears Treasuries like $BNY so this whole mess on the 10Yr is all them. I can't really stress how boring their biz usually is so hitting these teen growth numbers is a big deal. That said as you'd expect this conservative cultured bank spoke in a conservative way about the future. Questions: 1) Everything is working there is some liquidity weakness. But they would highlight that markets are working fine so there's no reason the FED or anyone has to come in aggressively to do something. 2)On Crypto. They"  
[X Link](https://x.com/marketswithmay/status/1910728793331032326) [@marketswithmay](/creator/x/marketswithmay) 2025-04-11T16:16Z 9459 followers, XXX engagements


"On Commodity Chem since I didnt post a XXX earnings call recap on my $spy coverage Ill do a quick macro post one theme that impacts PPI and macro. This is for @siyul who is investigating names like $DOW $ECL. Basically all of the large cap chem do have great biz. Some produce in China. Some do not. Most have multi-shore operations. All did supply chain redirect of things non-compliant/not profitable with new US tariffs HOWEVER Unlike materials (called intermediate X & X in PPI depending on what it is) is different from other stuff. When they went to redirect they had to compete with the crazy"  
[X Link](https://x.com/marketswithmay/status/1977041891259527418) [@marketswithmay](/creator/x/marketswithmay) 2025-10-11T16:01Z 9459 followers, XXX engagements


"$BLK. up X% and IMO this is an under-reaction in a bad market. Rev + XX% Op Inc + XX% Adj Net Inc + XX% AUM +17% This Q you can't use Net Income b/c so much is hitting Income statement related to the close of GIP last year this time. The major point is the mix of assets and how much they grew. That is crazy pants in a good way and yes that is a technical term. First mix. Look at the outflows in APAC. That isn't a big number in the overall scheme but it TELLS YOU the allocation shifts that are happening globally. $BLK is NOT primarily US based. Folks are redeploying capital AWAY From China and"  
[X Link](https://x.com/marketswithmay/status/1978104806188192091) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T14:25Z 9459 followers, XXX engagements


"$SOFI. KBW. what is wrong with you as an analyst. This is your sum of parts YOu realize these ARE NOT the right metrics for a bank The fact you're using these tells me you don't conceptually understand what $SOFI does and the earnings leverage that comes with the massive change in Administration that continues to play out accross all the banks. Plz. you can't be posting stuff like this when I am at my snarkiest during bank earnings season. Try to understand the ROE leverage when you have a declining rate environment that is slow and modulated banks that still cannot unlock capital massive"  
[X Link](https://x.com/marketswithmay/status/1978472679117123804) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T14:46Z 9460 followers, 27.4K engagements


"$SOFI. KBW analysis. sorry for being mean earlier so I'll break it down more so everyone can understand where I'm coming from with my Tiger mom response. I know I can get moody sometimes but here's X of the weird oddities implied in the sum of parts namely the use of EV/EBITDA as a valuation metric. And again it's a bank. Also he's doing sum of parts b/c he'd like to separate out the bank as a way of coming to some form of analysis. It's just that this is NOT how you would do it"  
[X Link](https://x.com/marketswithmay/status/1978524660401586594) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T18:13Z 9459 followers, 2657 engagements


"$SOFI. daytraders and bears swinging it around like crazy b/c it's common for it to trade down on earnings on Oct 28th. You know I can go long the stock and short vol if you're going be a bunch of jerks about it"  
[X Link](https://x.com/marketswithmay/status/1978854176768541091) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T16:02Z 9459 followers, 1783 engagements


"@11TakesPhotos Me thinks you did not read many of my posts this quarter: $SYF: $GS Notice. No loan growth on $SYF"  
[X Link](https://x.com/marketswithmay/status/1978878901939056738) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:41Z 9459 followers, XX engagements


"$SOFI. i think with Tricolor folks are worried the Private Credit buyers of these guy's loans are the same as $SOFI. Private credit is a big market and auto lending (specifically subprime auto) is a specific subset. What $GS $MS $BLK $JPM just demonstated is demand for yield is still crazy strong. Below are the X types of loans that $SOFI makes and also they do not traffic in subprime anything. Maybe they do have a counterparty buyer that incrementally needs to pair down the book. IDK. But the overall market demand for yield is still there. If you want to go pick on someone who is more likely"  
[X Link](https://x.com/marketswithmay/status/1978886782436675692) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T18:12Z 9459 followers, 31K engagements


"$LEN Voluntary Exchange What a decision From now until Nov 7th shareholders who already received some $MRP can exchange existing $LEN holdings for additional $MRP at a X% discount. I kinda like'em both. Conundrum. If you're a shareholder let me know thoughts"  
[X Link](https://x.com/marketswithmay/status/1980296625634656515) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T15:34Z 9459 followers, XXX engagements


"$HOOD folks TBH I can't take it seriously when the average/media account size is lower than my weekly/montly credit card bill. BUT. like I said you'll likely do great this quarter given this perf from $SCHW last week and the other brokers $GS $MS. Still not my type of stock"  
[X Link](https://x.com/marketswithmay/status/1980307024836538839) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:16Z 9459 followers, 3721 engagements


"Have you thought through this logic The person you're criticizing didn't vote and - before it becomes a thing I voted Libertarian. If you continue to think that we are all stuck in an info bubble whilst 1) Failing to acknowledge the fact that Biden - bad admission of his own party had mental deterioration and also 2) Many things that they did demonstrate a significant reduction in the rights and freedoms of the First amendment 3) Respond by calling people names who don't agree with you vs addressing their issues Don't you think your party will continue to lose going forward The democrats are"  
[X Link](https://x.com/marketswithmay/status/1980312944488460436) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:39Z 9459 followers, XXX engagements


"Sometimes strategy is less about Pivot of a particular company or the industry as a whole vs more of a general competitive shift that forces a period of observation and thinking about best next steps given other players move. So more game theory and less conclusive outcome. Deal hasn't closed yet and you've also had QT which really weighs on the luxury market as a whole. And of course the industry hasn't absorbed what's possible now that L'Orielle now has neary doubled the cosmetic and perfume brands it represents making it a very different competitor to $EL despite having such a different"  
[X Link](https://x.com/marketswithmay/status/1980370174722138201) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:26Z 9459 followers, XX engagements


"Great conversation on $JPM and Jaime Dimon's cockroach comment with @br0n_yr_aur. Really appreciate the engagement. Since I'm long and/or traffic in $BX $APO $KKR I wanted to share it. I personally think they will come out fine. Between the group it would be more on brand for $APO but it would likely be small. It wouldn't be as on-brand for $BX. As for brokers the big-cap guys already came clean. And again subprime auto is a very particular part of lending. Given what happened in both the 80s and 90s firms run by folks who are 65+ are sensitive to doing it in size. But you really don't know"  
[X Link](https://x.com/marketswithmay/status/1979215067708006673) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T15:56Z 9464 followers, 1790 engagements


"$GM + 15%. I'm going to take the W even though these financials look like h*ll. But I agree it's a good Q/guide (which is why I'm long). Let's go through it & the macro Rev Flat Net income -XX% How do I interpret these financials/Why the loss Extra costs on onshoring and a bunch of re-org. Hence its volume and market share (#1 in ICE #2 in EV) that become more interesting. AND it's particularly interesting because AS I HAVE MENTIONED BEFORE this is all being done with lower production (aka pricing). How do you find that Inventory reduction which is throwing off cash. And that's what you need"  
[X Link](https://x.com/marketswithmay/status/1980690358188274021) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:39Z 9464 followers, XXX engagements


"@grok @MACROVET888 Yeah. and to be precise doubled the luxury brands it represents. L'Orielle has far more lower end brands. But since we're talking $KER and I've mentioning $EL that's what we care on. Cool. I'm good now. I think that should help the previous poster to see what I meant"  
[X Link](https://x.com/marketswithmay/status/1980370760368849132) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T20:29Z 9464 followers, XX engagements


"$PCAR +1.42%. not a great Q but great relative to what they thought would happen. Rev - XX% Oper Inc - XX% Net Inc - XX% I'm modifying their earnings report to integrate the financials which is taking a larger provision for credit losses. Despite being annoyed by their IR department I actually really like this management team. They are strong operators and no-nonsense guys that have played - best they can - in a Global QT macro market. I mean their CEO's name is Preston Feight (just X letter away from being the word Freight. You can't make this up and he seems during all the calls I've"  
[X Link](https://x.com/marketswithmay/status/1980676090256576903) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:42Z 9464 followers, XXX engagements


"I find some of my critics hypocritical when they suggest I can't listen to the S&P XXX and understand what these companies do. You sit there & read the WSJ & these media journalists who clearly do not understand the industries they write about or how to properly interpret financials. You forward nonsense articles from AI. But you somehow think I can't understand these companies despite: 1) Doing this exercise (listening to the calls plus reading the earnings) systematically for nearly a decade and also 2) having been trained for more than a decade before that at legit good firms on Wall"  
[X Link](https://x.com/marketswithmay/status/1980723814670717426) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:52Z 9464 followers, XXX engagements


"$TXN -X% in the aftermarket and TBH at 33x I kinda get it but let's talk. Rev + XX% Op Inc + X% Net Inc Flat EPS +1% Special request from @DamasceneMoment requested I do this one (request list pinned to my profile). A little relevant background $TXN has X biz that we care on Analog & Embedded Processing. Here's how they did. The end markets are industrial in nature (think EV cars & industrial vehicles in particular but really a host of industrial applications). On that biz it's the same issues we're seeing across Industrial end markets. It's hard to do the spend without truly understanding"  
[X Link](https://x.com/marketswithmay/status/1980820228620607969) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T02:15Z 9464 followers, 1169 engagements


"$mpw this is a weird downgrade IMO but it is a feather for the bears. What makes it weird is nothing changed except for more asset sales. @fundamatica is right. Its the CDS spreads that will be telling on financing ultimately. If you get the pay downs and refis then that will be the end of it. Its simply quite strange that if they were going to downgrade they waited until after the company made so much progress"  
[X Link](https://x.com/marketswithmay/status/1859935332013076959) [@marketswithmay](/creator/x/marketswithmay) 2024-11-22T12:21Z 9463 followers, 1268 engagements


"$PAYX. Down 5%. This was a great Q. Short Selling is arbitrary. Anyone posting fundamental nonsense about this being a bad quarter You should just unfollow. Rev +17% unadj Op Inc -X% Net Inc - XX% Look Day traders/Swing traders do your thing. No hate. But the ignorant faker-fundamental short sellers droning worried-vibes about hiring slowing down Maybe you could write less nonsense and use that time to learn to read financial statements. At a minimum let's talk about the difference between revenue and income on what it implies for a company who's revenue can literally only grow double digits"  
[X Link](https://x.com/marketswithmay/status/1973036937846964363) [@marketswithmay](/creator/x/marketswithmay) 2025-09-30T14:47Z 9460 followers, XXX engagements


"$FITB $CMA. Not terribly surprised given the lack of loan growth and improving NIM in the industry as a whole. What a bank merger does is shore up balance sheet and reduce costs. The fact they slowed was simply the nonsense of the biz climate last X years. Remind me though. which lady FinXer talks about mergers in regional banks all the time"  
[X Link](https://x.com/marketswithmay/status/1975172798730432882) [@marketswithmay](/creator/x/marketswithmay) 2025-10-06T12:14Z 9460 followers, 1051 engagements


"$CMA $FITB. seeing some questions on why the options are trading so oddly. come join your girl on YouTube at 11amEST for lunch"  
[X Link](https://x.com/marketswithmay/status/1975205979571777660) [@marketswithmay](/creator/x/marketswithmay) 2025-10-06T14:26Z 9460 followers, 1869 engagements


"$CMA $FITB. OMG. guys the everything was a mess including the lighting and my hair but here is what's up on these two banks. Oh well. I'm a very real person so we're not going do any editting and keep it real. Thx for watching"  
[X Link](https://x.com/marketswithmay/status/1975221890362085870) [@marketswithmay](/creator/x/marketswithmay) 2025-10-06T15:29Z 9460 followers, 1134 engagements


"$CMA.I closed out my above-the-deal-price call spreads that expired next week. I just didn't feel like holding them into Bank earnings next week so I let the remaining vol go. The thing is if $FITB does something awe-inspiring and folks start buying $CMA as a way to get $FITB cheap then those options might trade over deal since it's an all-stock transaction. Sans the deal $CMA was fairly valued pre the run-up. But I don't like how the market is behaving in general"  
[X Link](https://x.com/marketswithmay/status/1976705992550191518) [@marketswithmay](/creator/x/marketswithmay) 2025-10-10T17:46Z 9460 followers, XXX engagements


"$FAST. -XXX% on a solid quarter that might have been only a touch off estimates but here's what happened: Revenue +8% Net Income + X% They are seeing lots of new customers and new build AS YOU WOULD EXPECT given that we are coming out of a bear market CRE market. (Yup despite the nonsense of most FinXers CRE has been recovering and it's starting to show). In case there is any confusion here is their Daily Sales Rate (DSR) by end market. Supply chains are getting more expensive but they have done a series of price increases that have already went through. They will be doing a bit more pricing"  
[X Link](https://x.com/marketswithmay/status/1977818160536474074) [@marketswithmay](/creator/x/marketswithmay) 2025-10-13T19:26Z 9460 followers, 1181 engagements


"FED STUFF: National Association of Business Economics Jerome Powell Notes Thread. 🧵 Reminder. I paraphrase. If you don't like it go read someone else's notes. 1/x"  
[X Link](https://x.com/marketswithmay/status/1978149199775416646) [@marketswithmay](/creator/x/marketswithmay) 2025-10-14T17:21Z 9460 followers, XXX engagements


"$SYF.Flat on the Q. This is a pureplay Consumer Finance company but they do traffic in lower credit quality stuff. Not gonna lie. I'm tempted b/c this was a really great quarter. Rev + XXX% Net Inc + XXXX% This came from loan mix. $SYF provides crazy detail on their loans including what they did wholesale vs direct. But here's what I want to show you. Relative to $SOFI $SYF is lower credit quality and also broader mix of loan types. Here is their balance sheet. Notice the NIM expansion. They do more in cards and also the rate on the loans tells you that they are doing lower credit quality"  
[X Link](https://x.com/marketswithmay/status/1978697612841615515) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T05:40Z 9461 followers, XXX engagements


"$USB. Flat on not bad earnings Rev + flat Net income + XX% Folks were too nice on trying to get color from management. They are the only bank that presents it's income statement in the old format of splitting all of net income from interest income (loans) and all fee based. I had chatgpt take care of the rewrite. You can see the decrease in NII. Down X is a thing which is why they had so much extra this call on why (that most folks appeared to miss in the Q&A). Here's what they gave you. They did do more loans but somehow the mix decreased what they made. There is sh*t for clarification on"  
[X Link](https://x.com/marketswithmay/status/1978861248264413424) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T16:31Z 9463 followers, XXX engagements


"$SOFI. Look friends. Let me just say it like it is. Not wanting to be a bank right now is similar to not wanting to be a tech company in 1999. Why We are literally entering the best possible macro for massive earnings leverage. Plz. Try to understand that earnings leverage on a good macro environment for Banks can rival most tech companies in how it works"  
[X Link](https://x.com/marketswithmay/status/1978879553155092759) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T17:43Z 9460 followers, 6562 engagements


"$UAL. recovering +1.5% after being down meaningfully yesterday. Best stuff was in the Q&A. Rev + X% Net Inc- XXX% Fuel wasn't bad but the issue was really landing fees. The airports are doing what they are doing. what I liked the most here was the convo on whether Airlines was or was not a commodity. They believe this is a paradigm shift. In fairness Delta and United have both discussed this. Really $AAL (no longer in the S&P 500) is the only carrier that was not explicitly doing this as a strategy themetic fron 2020 forward. What they are saying is that all things being equal their core"  
[X Link](https://x.com/marketswithmay/status/1979271559320866928) [@marketswithmay](/creator/x/marketswithmay) 2025-10-17T19:41Z 9460 followers, XXX engagements


"$HBAN +1% on a great earnings Q. Rev + XX% Net Inc + XX% I know I have a few followers that are long this. It was a solid quarter better than some of the other banks. Everything looks pretty clean and they are continuing to grow the biz that often come as a bank increases in size (more asset management offerings like Private Equity) and correspondingly the ability to do deals. The one thing that was interesting was their CET1 build which is a stated desired activity by the board. Since they are also buying back aggressively I think this is simply a strategy that grew post SIVB vs something"  
[X Link](https://x.com/marketswithmay/status/1979566035083645143) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T15:11Z 9460 followers, XXX engagements


"$FITB ( $CMA ) +1.5% Great Q. I'm going to do these both together b/c the whole point is the deal that was announced. Rev + X% Net Inc + X% ROE XXXX% ROTCE XXXX% is 100bps higher CMA - looked not bad but not great in comparison to other large-cap banks. When you have a deal the acquired company can't do an earnings call. And for $CMA that's helpful. It's not so much that things are bad but that things aren't improving. They still are experiencing a draw on their loan losses highlighting that they likely take a bit of risk in making loans. For everyone else the underwriting was so aggressively"  
[X Link](https://x.com/marketswithmay/status/1979578237190893961) [@marketswithmay](/creator/x/marketswithmay) 2025-10-18T16:00Z 9460 followers, XXX engagements


"Wow. interesting change in the landscape"  
[X Link](https://x.com/marketswithmay/status/1980315447322112125) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:49Z 9461 followers, 1494 engagements


"The real story is the WSJ was down for most of the day and The world was fine. We all learned what part of each companys systems is and is not built on AWS. And tech stacks around the world are now revealed if not obvi before. But we all survived. And thats a blessing"  
[X Link](https://x.com/marketswithmay/status/1980444014857081074) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T01:20Z 9462 followers, 1292 engagements


"$MMM + 50bps premarket Decent Q Raised Guide Rev + XXX% Op Inc + XXXX% The way they provide the adjusted net income is awful so I won't post it. The adjustment is the below-the-line stuff on divestitures so we'll go with this. They are raising guide b/c things are going well. HOWEVER it is NOT demand-driven. So Again I am going to say it. We have an issue of reverse economy of scale right now. Companies like $MMM are doing it cost savings corp actions and reconfiguration. They are NOT doing it b/c of demand. Q&A 1) The China biz grew. Interestingly they suggested that it was partially a"  
[X Link](https://x.com/marketswithmay/status/1980638640133857429) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T14:13Z 9461 followers, XXX engagements


"Yeah. it looked good to me. I don't own any of these but I wanted to post b/c so many people own $UNH. I mean I think this quarter looked like management got both lucky and executed well on the strategy of ditching these parts of medicare/medicaid and doubling down on biz that actually makes money. $UNH is missing a CEO right now. So I'm not sure if are able to do this. That's why I'm thinking it's hard to link this relatively positive report on $ELV to $UNH"  
[X Link](https://x.com/marketswithmay/status/1980667413495496741) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:08Z 9461 followers, XXX engagements


"@WinnerInvestor @MonkEchevarria Yeah. $CNC took the most sh*t last Q. Ouch ouch ouch. The whole biz is the worst. But I can't ignore these calls - not just b/c it's part of the S&P XXX but because it's kinda relevant to macro"  
[X Link](https://x.com/marketswithmay/status/1980688225606803777) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:30Z 9461 followers, XXX engagements


"@WinnerInvestor @MonkEchevarria I think yoda might have said: "Brave is he who invests in this space but bountiful too can the rewards be." Maybe I'm remembering wrong. I'm too scared. Not gonna lie. I do wish you luck. The upside potential is def there if these guys make it through"  
[X Link](https://x.com/marketswithmay/status/1980695236402901454) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:58Z 9463 followers, XX engagements


"@WinnerInvestor @MonkEchevarria Oh. man. brave. I mean I don't think $UNH has announced Stephen Hemsley. This call might just be more about how folks react to him. Oh man. you're tempting me. Oh no. the dark side. oh no.🙈🙈 I got a couple days to think through this"  
[X Link](https://x.com/marketswithmay/status/1980696874811293786) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T18:05Z 9461 followers, XXX engagements


"@nataninvesting Good luck this earnings season I'll also try to do $EW before my personal/holiday life gets in the way :)"  
[X Link](https://x.com/marketswithmay/status/1980720838652682477) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:40Z 9460 followers, XX engagements


"$ABT . -3%. Solid Quarter and at 16xs going in it wasn't overvalued going in. Rev + X% Net Inc + X% (ex the covid roll off of product) I don't own $ABT. I watch it for color to the rest of the healthcare and my holdings. They are the first in the Q to report for the industry. And it's not even about health care for me. I could give X farthings about the X smaller segment of $ABT. I really only care about Med Devices. Why do I care about Med Devices B/c as a large cap multidevice/division biz I can see if the two REITs I actually care about $DOC $MPW have tenants that can pay rent. Also"  
[X Link](https://x.com/marketswithmay/status/1978536159794905444) [@marketswithmay](/creator/x/marketswithmay) 2025-10-15T18:59Z 9464 followers, XXX engagements


"$MMC down 7%. IDK why. This wasn't a bad quarter but possible it's the below-the-line items folks are having difficulty absorbing using a data feed. Rev + XX% Op Inc + XX% Net Inc + XX% There isn't really anything interesting to write about. They do insurance and host of other consulting/account-like biz so they can sell through more insurance. It's very bespoke and it's doing fine. I mean let's face it. What are you thinking all this volatility does for business risk aka the areas they traffic in. You think demand for cybersecurity insurance/employment insurance products decreases in a"  
[X Link](https://x.com/marketswithmay/status/1978865194261713063) [@marketswithmay](/creator/x/marketswithmay) 2025-10-16T16:46Z 9464 followers, XXX engagements


"@MACROVET888 So that's the financials. Not my point though. Keuring is a comp to $LVMH. This is a big deal for the industry beyond the financials for both industries plus $IFF given how they are currently set up"  
[X Link](https://x.com/marketswithmay/status/1980316344118857770) [@marketswithmay](/creator/x/marketswithmay) 2025-10-20T16:53Z 9464 followers, XXX engagements


"$ELV down 2%. It matters b/c so many of you care on $UNH. This was good in some ways weird & I'm not sure how to think about in other ways. Rev + XX% Adj EPS - XX% Context/Background $ELV is the Anthem health biz renamed. And even before the Medicare reimbursement nightmare moment for all of health benefits Anthem was punting business divisions left and right. They exited the Life & Disability biz in 2024 and they are coming out of a variety of extremely unprofitable Medicare Biz. These eliminations make it very hard to read the financials properly (See below on just revenue). And I know"  
[X Link](https://x.com/marketswithmay/status/1980661267820954055) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T15:43Z 9464 followers, 1107 engagements


"Here's an example of my early IR fail post. $PCAR This is their website. No indication of what time the call is at. No link to the statements or press release to make it easy for me to figure it out given you failed to post the time of the call. This is my day during earnings season and why I can't post on more than 1/3rd of the calls I listen to. If you want actual coverage of company then Investor Relations you gotta get better. And if you don't want coverage then you're sketchy"  
[X Link](https://x.com/marketswithmay/status/1980665477388202157) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:00Z 9464 followers, XXX engagements


"$NDAQ. +3.3% on an amazing q. And this is where I missed the forest for the trees. Rev + XX% Net Inc + XX% A lot of folks think $NDAQ and they think markets. Mais non $NDAQ is a data firm and the flavor is simply market data. The demand for the data That comes from volatility. What I missed about the data biz (a nuance in the best market for an exchange): And where I stupidly missed this was that given a Trump presidency and what he was precisely saying he was going to do this market was bound to have "weird" volatility. See here's the deal normal volatility or high volatility DOES NOT make"  
[X Link](https://x.com/marketswithmay/status/1980674135815536794) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T16:34Z 9464 followers, XXX engagements


"$NOC -X% not sure why. it was a pretty great Q for obvi reasons. Rev + X% Op Inc + XX% Net Inc +7% and guide raised b/c book to bill is coming in super strong. At 23x the middle of the range of guide $XXXXX this is probably fine for valuation. And TBH there are folks who live on top of $NOC that are better at telling you where the puck is going. Let's not pretend folks are really that quiet about their actions when these guys get government contracts. However what I do want to point out is that a decrease in defense spending doesn't mean that $NOC would have nothing to sell. I really want to"  
[X Link](https://x.com/marketswithmay/status/1980693112121864220) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T17:50Z 9464 followers, XXX engagements


"Earnings season. Already setting in strong. I appreciate my followers. Plz comment what you'd like me to cover. S&P XXX names only as you know that's my jam. I listen/review XX% but only post on 150-200. This is how I decide. Obvi I will cover $SOFI"  
[X Link](https://x.com/marketswithmay/status/1980710649509405093) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T18:59Z 9464 followers, XXX engagements


"$DHR. +6.65% on the Q Rev +4% Net Inc XX% The Life Science & Diagnostic Med Equipt piece has been in recovery for a while. $DHR doesn't trade cheap but there's some macro things here that likely also matter to @nataninvesting who cares on $EW which is in a slightly different part of the space. First the life science biz was not where the upside was. But each one of these guys have a very particular biz (so possibly not a thing for $EW) Rev was flat but contributing due to FX and margins were still lower. The growth came from Diagnostics + X% plus 150bps improvement. Mix also helped them and"  
[X Link](https://x.com/marketswithmay/status/1980720253970612512) [@marketswithmay](/creator/x/marketswithmay) 2025-10-21T19:38Z 9464 followers, XXX engagements


"$NFLX down X% in the aftermarket. It wasn't so much a bad quarter as the market is brutal right now. Rev + XX% Op Inc + XX% Net Inc + X% The Margin squeeze is the Brazil tax and it's one-time in nature. Do people care that it's 1x No. They do not. So brutal. Look at this free cash flow though XX% growth That's a decent buffer to keep improving programming and making $NFLX a great value for money. And look at this on the regional breakout. Just FYI that's an increase in momentum vs previous quarters. Kinda stupid to get too bearish right this minute me thinks. Final thoughts I'm not in this"  
[X Link](https://x.com/marketswithmay/status/1980802061965918296) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T01:03Z 9464 followers, XXX engagements


"Personally I think it's a decent look as we creep into Halloween. Also what a great opportunity to see the speed and efficiency of one's own contractors vs the White House. I mean. who doesn't have a renovation story Am I right"  
[X Link](https://x.com/marketswithmay/status/1980808313412674036) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T01:27Z 9464 followers, XXX engagements


"$COF + XXX% in the aftermarket. TBH not sure why it's not up more. Rev + XX% Net Inc +84% I had to do a double-take but in fairness you likely should adjust a little bit (not really) for $DFS. Why do I say not really Because this is how you freakin grow for a bank. You acquire sh*t. It's the fastest way by a lot and it makes sense to do it if you have plenty in reserves and the consumer is hanging in. And I want to say this to $SOFI-is-not-a-bank folks. There is literally no faster way to grow. No amount of tech is EVER going to do that as fast. You must understand what I'm saying on this."  
[X Link](https://x.com/marketswithmay/status/1980835830747820186) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T03:17Z 9464 followers, XXX engagements


"$LMT +4% on Q3 beat. Solid numbers. Depressing as ever. Rev +9% to $18.6B EPS $XXXX (beat ests) FCF $3.3B (up from $2.1B). Backlog: $179B monster (2.5x sales). US/allies demand in perpetual tension mode. Quick segments: Aeronautics: +12% to $7.3B (F-35 volume XXX YTD) margins to XXX% on C-130 tweaks. MFC: +14% to $3.6B JASSM/LRASM missiles humming at XXXX% marginsdisposables for active wars. RMS: Flat $4.4B sales +5% op profit on Sikorsky/CH-53K helos. Space: +9% to $3.4B +22% profit (9.9% margins) Their space biz is a mix of defense-related space and consumer stuff (like SpaceX). Guide up:"  
[X Link](https://x.com/marketswithmay/status/1980846803034521603) [@marketswithmay](/creator/x/marketswithmay) 2025-10-22T04:00Z 9464 followers, XXX engagements