[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.] #  @realreturns_ Akshay Ramachandran Akshay Ramachandran posts on X about $cvna, $kmx, $ally, $loar the most. They currently have XXXXX followers and XX posts still getting attention that total XX engagements in the last XX hours. ### Engagements: XX [#](/creator/twitter::1574734506430550017/interactions)  - X Week XXXXX -XX% - X Month XXXXXX +9,624% - X Months XXXXXX +145,091% - X Year XXXXXX +2,193% ### Mentions: X [#](/creator/twitter::1574734506430550017/posts_active)  - X Week XX -XX% - X Month XX +2,950% - X Months XX +6,200% - X Year XX +6,300% ### Followers: XXXXX [#](/creator/twitter::1574734506430550017/followers)  - X Week XXXXX -XXXX% - X Month XXXXX +2.40% - X Months XXXXX +1.60% - X Year XXXXX -XXXX% ### CreatorRank: undefined [#](/creator/twitter::1574734506430550017/influencer_rank)  ### Social Influence [#](/creator/twitter::1574734506430550017/influence) --- **Social category influence** [stocks](/list/stocks) [finance](/list/finance) [technology brands](/list/technology-brands) **Social topic influence** [$cvna](/topic/$cvna) #137, [$kmx](/topic/$kmx), [$ally](/topic/$ally), [$loar](/topic/$loar), [acquisition](/topic/acquisition), [where are](/topic/where-are), [financial leverage](/topic/financial-leverage), [$tdg](/topic/$tdg), [$amzn](/topic/$amzn), [$meli](/topic/$meli) **Top assets mentioned** [Carvana Co. (CVNA)](/topic/$cvna) [CarMax, Inc (KMX)](/topic/$kmx) [Ally Financial, Inc. (ALLY)](/topic/$ally) [Loar Holdings Inc. (LOAR)](/topic/$loar) [TransDigm Group, Inc. (TDG)](/topic/$tdg) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [MercadoLibre Inc (MELI)](/topic/$meli) [Credit Acceptance Corp (CACC)](/topic/$cacc) [OneMain Holdings, Inc. (OMF)](/topic/$omf) ### Top Social Posts [#](/creator/twitter::1574734506430550017/posts) --- Top posts by engagements in the last XX hours "Apologies on the late reply needed a social media detox during the week haha X. Since $CVNA originates the financing the cash flows statement will be messy. But you might say what about $KMX Their cash flows statement is not messy and they also originate loans $CVNA is growing at XX% y/y so that requires significant reinvestment through working capital (vehicle inventory) before the cash flow comes in from selling the units. Same deal in the income statement have to hire lots of people and open up reconditioning facilities before they reach "full utilization." I have found that the mental" [X Link](https://x.com/realreturns_/status/1979894340274036891) [@realreturns_](/creator/x/realreturns_) 2025-10-19T12:56Z 8952 followers, XXX engagements "@DimitryNakhla Thoughts on the remaining acquisition runway Take a look at $LOAR if youre interested in this space :)" [X Link](https://x.com/realreturns_/status/1972568915822948652) [@realreturns_](/creator/x/realreturns_) 2025-09-29T07:47Z 8954 followers, XXX engagements "@WilliamGreen72 Where are the most dangerous areas of financial leverage hiding in todays market not just in the US but globally" [X Link](https://x.com/realreturns_/status/1972923831049457871) [@realreturns_](/creator/x/realreturns_) 2025-09-30T07:17Z 8950 followers, XX engagements "The next $TDG" [X Link](https://x.com/realreturns_/status/1973160931195756988) [@realreturns_](/creator/x/realreturns_) 2025-09-30T23:00Z 8954 followers, XXX engagements "@StockMarketNerd How do your base case returns for $MELI compare to $AMZN I think $AMZN can still do mid teens annual returns from here for the next 3-5 years" [X Link](https://x.com/realreturns_/status/1976698372909097116) [@realreturns_](/creator/x/realreturns_) 2025-10-10T17:16Z 8953 followers, XXX engagements "@UnicusResearch which of the $cvna securitizations are you worried about if you could bet against one of them in particular which one would you pick" [X Link](https://x.com/realreturns_/status/1977025473667572058) [@realreturns_](/creator/x/realreturns_) 2025-10-11T14:56Z 8953 followers, XXX engagements "but that is because the $cvna business model is different and earns the dealer profit and the lender profit. with most car dealerships they get a finders fee for the loan from the bank. but $cvna underwrites the consumer loan themselves and therefore earns the profit of the dealer and the lender. $kmx does the same thing but they dont do subprime loans. $cvna underwrites subprime loans also which if done properly can be significantly more profitable than prime loans (just look at $cacc $omf and drivetime). the business model is different from traditional car dealerships. if you just look at" [X Link](https://x.com/realreturns_/status/1977237710222905575) [@realreturns_](/creator/x/realreturns_) 2025-10-12T04:59Z 8950 followers, XXX engagements "@BeckonTim @UnicusResearch i dont think you can but i bring it up as a theoretical point so folks that point to a specific securitization that looks dicy. that way we can jump into the nums on that securitization and see if theres a problem" [X Link](https://x.com/realreturns_/status/1977238171256865022) [@realreturns_](/creator/x/realreturns_) 2025-10-12T05:01Z 8952 followers, XX engagements "drivetime couldnt buy these securitizations even if they wanted to because $cvna has done over $10bn of securitization transactions. heres an example of one of the securitizations. they are bought by pension funds collareralized loan obligation funds soverign wealth funds etc. institutions buy these securitizations to generate yield. and over the $10bn+ securitizations $cvna has done none of the investors in these securitizations lost money. why because theres a huge spread between the interest rate that consumers pay for their car loans vs what is promised to the investors in these" [X Link](https://x.com/realreturns_/status/1977241122603761984) [@realreturns_](/creator/x/realreturns_) 2025-10-12T05:13Z 8952 followers, XXX engagements "@mr_Benny_Chan @whtDoIKno @SilbergleitJr that's because $kmx holds more of the loans it originates on its balance sheet than $cvna does" [X Link](https://x.com/realreturns_/status/1977432785876050371) [@realreturns_](/creator/x/realreturns_) 2025-10-12T17:54Z 8952 followers, XXX engagements "you're right to be concerned because the 2022/2023 vintages are running at 3x the loan losses as the 2020 for the same month. but $cvna has $466mm of "beneficial interests in securitizations" vs. X. $2.4bn of run-rate EBITDA vs $572mm of run-rate interest expense X. XX% top line growth X. X% market share in an industry where they have the potential to get to double digits sure they might have a couple bad quarters but is this really a business you wanna bet against in the long run i've been a $cvna shareholder since 2018 and i do agree the near term doesn't look so great because i sold" [X Link](https://x.com/realreturns_/status/1977445705678479717) [@realreturns_](/creator/x/realreturns_) 2025-10-12T18:46Z 8955 followers, XXX engagements "@TeaBagCapital @JK73617229 @SilbergleitJr 😂 i see so you think the business is fundamentally broken" [X Link](https://x.com/realreturns_/status/1977446249751282063) [@realreturns_](/creator/x/realreturns_) 2025-10-12T18:48Z 8950 followers, XX engagements "Apologies on the late reply I needed a social media detox during the week haha Maybe my math is wrong but I'm seeing closer to XX% through ABS: XXX / (3 + XXX +1.5) for 2024. $ALLY just signed a committment to buy up to $4bn of $CVNA receivables and $ALLY has $130bn of net loans. Also the ABS market is trillions of dollars in size I'm not worried about this long term. Unless $CVNA is dropping crappy loans into these and the investor returns are getting impaired haha Not seeing evidence of this. Loan losses are up but they make so much money on the interest that the ABS investors are fine even" [X Link](https://x.com/realreturns_/status/1979897738809766235) [@realreturns_](/creator/x/realreturns_) 2025-10-19T13:09Z 8954 followers, XXX engagements "@APazyryk @mr_Benny_Chan @whtDoIKno @SilbergleitJr It's the agreement that $CVNA has with $ALLY for $ALLY to buy the loans that $CVNA originates" [X Link](https://x.com/realreturns_/status/1979898021845299611) [@realreturns_](/creator/x/realreturns_) 2025-10-19T13:10Z 8952 followers, XX engagements "@silberschmelzer @BeckonTim @UnicusResearch Wow great find So how do you explain the success of $CACC and $OMF then" [X Link](https://x.com/realreturns_/status/1979898714844963310) [@realreturns_](/creator/x/realreturns_) 2025-10-19T13:13Z 8955 followers, XX engagements "@buccocapital take a look at japanese equities" [X Link](https://x.com/realreturns_/status/1979939052401868840) [@realreturns_](/creator/x/realreturns_) 2025-10-19T15:53Z 8955 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.]
@realreturns_ Akshay Ramachandran
Akshay Ramachandran posts on X about $cvna, $kmx, $ally, $loar the most. They currently have XXXXX followers and XX posts still getting attention that total XX engagements in the last XX hours.
Engagements: XX #
- X Week XXXXX -XX%
- X Month XXXXXX +9,624%
- X Months XXXXXX +145,091%
- X Year XXXXXX +2,193%
Mentions: X #
- X Week XX -XX%
- X Month XX +2,950%
- X Months XX +6,200%
- X Year XX +6,300%
Followers: XXXXX #
- X Week XXXXX -XXXX%
- X Month XXXXX +2.40%
- X Months XXXXX +1.60%
- X Year XXXXX -XXXX%
CreatorRank: undefined #
Social Influence #
Social category influence stocks finance technology brands
Social topic influence $cvna #137, $kmx, $ally, $loar, acquisition, where are, financial leverage, $tdg, $amzn, $meli
Top assets mentioned Carvana Co. (CVNA) CarMax, Inc (KMX) Ally Financial, Inc. (ALLY) Loar Holdings Inc. (LOAR) TransDigm Group, Inc. (TDG) Amazon.com, Inc. (AMZN) MercadoLibre Inc (MELI) Credit Acceptance Corp (CACC) OneMain Holdings, Inc. (OMF)
Top Social Posts #
Top posts by engagements in the last XX hours
"Apologies on the late reply needed a social media detox during the week haha X. Since $CVNA originates the financing the cash flows statement will be messy. But you might say what about $KMX Their cash flows statement is not messy and they also originate loans $CVNA is growing at XX% y/y so that requires significant reinvestment through working capital (vehicle inventory) before the cash flow comes in from selling the units. Same deal in the income statement have to hire lots of people and open up reconditioning facilities before they reach "full utilization." I have found that the mental"
X Link @realreturns_ 2025-10-19T12:56Z 8952 followers, XXX engagements
"@DimitryNakhla Thoughts on the remaining acquisition runway Take a look at $LOAR if youre interested in this space :)"
X Link @realreturns_ 2025-09-29T07:47Z 8954 followers, XXX engagements
"@WilliamGreen72 Where are the most dangerous areas of financial leverage hiding in todays market not just in the US but globally"
X Link @realreturns_ 2025-09-30T07:17Z 8950 followers, XX engagements
"The next $TDG"
X Link @realreturns_ 2025-09-30T23:00Z 8954 followers, XXX engagements
"@StockMarketNerd How do your base case returns for $MELI compare to $AMZN I think $AMZN can still do mid teens annual returns from here for the next 3-5 years"
X Link @realreturns_ 2025-10-10T17:16Z 8953 followers, XXX engagements
"@UnicusResearch which of the $cvna securitizations are you worried about if you could bet against one of them in particular which one would you pick"
X Link @realreturns_ 2025-10-11T14:56Z 8953 followers, XXX engagements
"but that is because the $cvna business model is different and earns the dealer profit and the lender profit. with most car dealerships they get a finders fee for the loan from the bank. but $cvna underwrites the consumer loan themselves and therefore earns the profit of the dealer and the lender. $kmx does the same thing but they dont do subprime loans. $cvna underwrites subprime loans also which if done properly can be significantly more profitable than prime loans (just look at $cacc $omf and drivetime). the business model is different from traditional car dealerships. if you just look at"
X Link @realreturns_ 2025-10-12T04:59Z 8950 followers, XXX engagements
"@BeckonTim @UnicusResearch i dont think you can but i bring it up as a theoretical point so folks that point to a specific securitization that looks dicy. that way we can jump into the nums on that securitization and see if theres a problem"
X Link @realreturns_ 2025-10-12T05:01Z 8952 followers, XX engagements
"drivetime couldnt buy these securitizations even if they wanted to because $cvna has done over $10bn of securitization transactions. heres an example of one of the securitizations. they are bought by pension funds collareralized loan obligation funds soverign wealth funds etc. institutions buy these securitizations to generate yield. and over the $10bn+ securitizations $cvna has done none of the investors in these securitizations lost money. why because theres a huge spread between the interest rate that consumers pay for their car loans vs what is promised to the investors in these"
X Link @realreturns_ 2025-10-12T05:13Z 8952 followers, XXX engagements
"@mr_Benny_Chan @whtDoIKno @SilbergleitJr that's because $kmx holds more of the loans it originates on its balance sheet than $cvna does"
X Link @realreturns_ 2025-10-12T17:54Z 8952 followers, XXX engagements
"you're right to be concerned because the 2022/2023 vintages are running at 3x the loan losses as the 2020 for the same month. but $cvna has $466mm of "beneficial interests in securitizations" vs. X. $2.4bn of run-rate EBITDA vs $572mm of run-rate interest expense X. XX% top line growth X. X% market share in an industry where they have the potential to get to double digits sure they might have a couple bad quarters but is this really a business you wanna bet against in the long run i've been a $cvna shareholder since 2018 and i do agree the near term doesn't look so great because i sold"
X Link @realreturns_ 2025-10-12T18:46Z 8955 followers, XXX engagements
"@TeaBagCapital @JK73617229 @SilbergleitJr 😂 i see so you think the business is fundamentally broken"
X Link @realreturns_ 2025-10-12T18:48Z 8950 followers, XX engagements
"Apologies on the late reply I needed a social media detox during the week haha Maybe my math is wrong but I'm seeing closer to XX% through ABS: XXX / (3 + XXX +1.5) for 2024. $ALLY just signed a committment to buy up to $4bn of $CVNA receivables and $ALLY has $130bn of net loans. Also the ABS market is trillions of dollars in size I'm not worried about this long term. Unless $CVNA is dropping crappy loans into these and the investor returns are getting impaired haha Not seeing evidence of this. Loan losses are up but they make so much money on the interest that the ABS investors are fine even"
X Link @realreturns_ 2025-10-19T13:09Z 8954 followers, XXX engagements
"@APazyryk @mr_Benny_Chan @whtDoIKno @SilbergleitJr It's the agreement that $CVNA has with $ALLY for $ALLY to buy the loans that $CVNA originates"
X Link @realreturns_ 2025-10-19T13:10Z 8952 followers, XX engagements
"@silberschmelzer @BeckonTim @UnicusResearch Wow great find So how do you explain the success of $CACC and $OMF then"
X Link @realreturns_ 2025-10-19T13:13Z 8955 followers, XX engagements
"@buccocapital take a look at japanese equities"
X Link @realreturns_ 2025-10-19T15:53Z 8955 followers, XXX engagements