# ![@nEiOjy2SNTezw1O Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1431458463045980163.png) @nEiOjy2SNTezw1O yes321

yes321 posts on X about $upst, $pgy, $sofi, $pypl the most. They currently have [--] followers and [--] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1431458463045980163/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:interactions.svg)

- [--] Month [-----] +825%

### Mentions: [--] [#](/creator/twitter::1431458463045980163/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:posts_active.svg)


### Followers: [--] [#](/creator/twitter::1431458463045980163/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:followers.svg)


### CreatorRank: [---------] [#](/creator/twitter::1431458463045980163/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1431458463045980163/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  50% [technology brands](/list/technology-brands)  20% [finance](/list/finance)  20%

**Social topic influence**
[$upst](/topic/$upst) 30%, [$pgy](/topic/$pgy) 20%, [$sofi](/topic/$sofi) 20%, [$pypl](/topic/$pypl) 10%, [transaction](/topic/transaction) 10%, [end of](/topic/end-of) 10%, [$afrm](/topic/$afrm) 10%, [investment](/topic/investment) 10%, [microsoft](/topic/microsoft) 10%, [cash flow](/topic/cash-flow) 10%

**Top accounts mentioned or mentioned by**
[@henryinvests](/creator/undefined) [@wearycenturion](/creator/undefined) [@bradsferguson](/creator/undefined) [@stratifyhq](/creator/undefined) [@gubloinvestor](/creator/undefined) [@ivobecvar](/creator/undefined) [@paulxgu](/creator/undefined) [@goddreng10](/creator/undefined) [@trevhesinvests](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [RAI Finance (SOFI)](/topic/$sofi) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Microsoft Corp. (MSFT)](/topic/microsoft)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$PYPL $PGY https://x.com/i/status/2018727041743589422 $PGY   https://t.co/XWI9KDMEjX https://x.com/i/status/2018727041743589422 $PGY   https://t.co/XWI9KDMEjX"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2020837695896080496)  2026-02-09T12:30Z [--] followers, [----] engagements


"@weary_centurion Pagaya is a subcontractor while Upstart is not. Furthermore Upstart's loan transaction growth rate is 80% whereas Pagaya's is 3%"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2021677869831963043)  2026-02-11T20:08Z [--] followers, [---] engagements


"$UPST  Normalized [----] [---] GAAP [----] [----]   https://x.com/i/status/2021604704254386499 @bradsferguson @HenryInvests Dude at the end of the day profitability matters in which UPST failed significantly with stalling EPS of $0.17 https://x.com/i/status/2021604704254386499 @bradsferguson @HenryInvests Dude at the end of the day profitability matters in which UPST failed significantly with stalling EPS of $0.17"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2021705587118223577)  2026-02-11T21:59Z [--] followers, [----] engagements


"$UPST [----] Total Revenue 1.04B [----] Guidance 1.4B YOY 35% $SOFI [----] Total Revenue 3.591B [----] Guidance 4.655B YOY 30% $AFRM [----] Total Revenue 3.22B [----] Guidance 4.12B YoY 28% $PGY [----] Total Revenue 1.31B [----] Guidance 1.48B YOY 13%"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2022608030555316550)  2026-02-14T09:45Z [--] followers, [---] engagements


"@stratify_hq @Gubloinvestor Negative Free Cash Flow (FCF) due to investment is completely normal. Just like Microsoft Oracle and Amazon are investing heavily in Al Upstart is investing strongly in the auto and mortgage loan sectors"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2022809453410558144)  2026-02-14T23:05Z [--] followers, [---] engagements


"$SOFI superprime delinquency rate 7.5% $UPST Subprime delinquency rate 6.2% SoFi should adopt Upstart's AI"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1974432305617027340)  2025-10-04T11:11Z [--] followers, [---] engagements


"@HenryInvests This means Upstart's business model carries two significant risks: [--]. Funding Risk: If there are no investors (like banks) to buy the loans after [--] days unsold loans will accumulate on the company's books putting it at risk"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1983567260607529102)  2025-10-29T16:11Z [--] followers, [---] engagements


"@HenryInvests [--]. Short-term Concentration Risk: Because the company assumes 100% of the risk for the [--] days immediately following loan origination if a sudden economic crisis hits the losses from this short period alone can severely destabilize the company"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/1983567398671409263)  2025-10-29T16:11Z [--] followers, [--] engagements


"@IvoBecvar @HenryInvests @paulxgu In August and September long-term interest rates declined but because the decline was driven by recession concerns Upstarts UMI increased"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2003613050004492291)  2025-12-23T23:45Z [--] followers, [---] engagements


"@goddreng10 That's right. It seems like the UMI is broken. Despite interest rate cuts rising GDP and falling inflation the UMI has increased"  
[X Link](https://x.com/nEiOjy2SNTezw1O/status/2003843111760658857)  2025-12-24T15:00Z [--] followers, [---] engagements

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