[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.]

# ![@riyadosofian Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1350296727169875971.png) @riyadosofian Riyado Sofian

Riyado Sofian posts on X about $rely, $zeta, fintech, deep dive the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1350296727169875971/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1350296727169875971/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX +142%
- X Months XXXXXXXXX +170%
- X Year XXXXXXXXX +426%

### Mentions: XX [#](/creator/twitter::1350296727169875971/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1350296727169875971/c:line/m:posts_active.svg)

- X Week XX +15%
- X Month XX -XX%
- X Months XXX +165%
- X Year XXX +170%

### Followers: XXXXX [#](/creator/twitter::1350296727169875971/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1350296727169875971/c:line/m:followers.svg)

- X Week XXXXX +1.20%
- X Month XXXXX +6.50%
- X Months XXXXX +91%
- X Year XXXXX +300%

### CreatorRank: XXXXXXX [#](/creator/twitter::1350296727169875971/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1350296727169875971/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1350296727169875971/influence)
---

**Social category influence**
[finance](/list/finance)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [stocks](/list/stocks)  XXXX% [fashion brands](/list/fashion-brands)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[$rely](/topic/$rely) #9, [$zeta](/topic/$zeta) #16, [fintech](/topic/fintech) #436, [deep dive](/topic/deep-dive) 1.36%, [over the](/topic/over-the) 1.36%, [alltime](/topic/alltime) 1.09%, [market cap](/topic/market-cap) #1256, [$33b](/topic/$33b) #2, [$relys](/topic/$relys) #2, [$hims](/topic/$hims) #75

**Top accounts mentioned or mentioned by**
[@gabgrowth](/creator/undefined) [@gubloinvestor](/creator/undefined) [@wealthmatica](/creator/undefined) [@longoption](/creator/undefined) [@ezekielmx](/creator/undefined) [@samsolid57](/creator/undefined) [@ranranyhz](/creator/undefined) [@seekingalpha](/creator/undefined) [@amitisinvesting](/creator/undefined) [@mrfundatechnic](/creator/undefined) [@revnoproduction](/creator/undefined) [@grok](/creator/undefined) [@charleywang3000](/creator/undefined) [@jeromesison17](/creator/undefined) [@jng2022](/creator/undefined) [@curioustraderie](/creator/undefined) [@thebeingintime](/creator/undefined) [@meeijer](/creator/undefined) [@sudokhanh](/creator/undefined) [@layla_harper_](/creator/undefined)

**Top assets mentioned**
[Remitly Global, Inc. Common Stock (RELY)](/topic/$rely) [ZetaChain (ZETA)](/topic/$zeta) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Western Union Co (WU)](/topic/$wu) [Dave Inc. Class A Common Stock (DAVE)](/topic/$dave) [4 (FOUR)](/topic/$four) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Goldman Sachs (GS)](/topic/goldman-sachs) [On Holding AG (ONON)](/topic/$onon) [Lululemon Athletica Inc (LULU)](/topic/$lulu) [Nike Inc (NKE)](/topic/$nke) [Marqeta, Inc. Class A Common Stock (MQ)](/topic/$mq) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Wise (WISE)](/topic/$wise) [RAI Finance (SOFI)](/topic/$sofi)
### Top Social Posts [#](/creator/twitter::1350296727169875971/posts)
---
Top posts by engagements in the last XX hours

"7) Shareholder Alignment $RELY CEO Co-Founder Matt Oppenheimer owns XXX% of the company. In aggregate insiders own XXX% of the company. While this figure isn't that high I believe the CEO has plenty of skin in the game. If you look at the table below you can see that the CEO is being paid only $290K+ per year while his associates earn multi-million dollar salaries. The reason for this "undercompensation" is that the CEO has chosen to forgo his stock awards in the last four years (2025 included). There are three things I can interpret from this: - The CEO cares about shareholder dilution. -"  
[X Link](https://x.com/riyadosofian/status/1975182728070099411) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"$ZETA Roth MKM reiterated Buy rating with a $XX PT XXX% Upside🤯"  
[X Link](https://x.com/riyadosofian/status/1976101333418799156) [@riyadosofian](/creator/x/riyadosofian) 2025-10-09T01:44Z 7931 followers, 12.7K engagements


"Here are X high-growth undervalued small-cap fintech companies. If you had to pick one which would you choose $FOUR Market Cap: $5.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 6.3x $DLO Market Cap: $4.1B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 12.0x $RELY Market Cap: $3.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 11.7x $DAVE Market Cap: $2.8B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 13.8x $PGY Market Cap: $2.3B 3-year Revenue CAGR: XX% Forward EV/EBITDA: 7.7x"  
[X Link](https://x.com/riyadosofian/status/1975524004703203770) [@riyadosofian](/creator/x/riyadosofian) 2025-10-07T11:30Z 7930 followers, 24K engagements


"This stock is down XX% from its all-time high and yet institutional ownership is the highest it has ever been. Any guesses on the company"  
[X Link](https://x.com/riyadosofian/status/1972642837188800857) [@riyadosofian](/creator/x/riyadosofian) 2025-09-29T12:41Z 7926 followers, 83.6K engagements


"$RELY this is your weekend read. Let me know what you think 👇"  
[X Link](https://x.com/riyadosofian/status/1974289132374708707) [@riyadosofian](/creator/x/riyadosofian) 2025-10-04T01:43Z 7926 followers, 4394 engagements


"5) Strong Operating Leverage Not only is $RELY growing rapidly but it is also driving strong operating leverage. Over the past three years: - Gross Margin improved 650bps to 65.1%. - Operating Margin improved 2360bps to 3.6%. - Net Margin improved 1870bps to 1.6%. - Adjusted EBITDA Margin improved 2440bps to 15.5%. Adding Adjusted EBITDA Margin and Revenue growth $RELY has a Rule of XX score placing the company in the rare breed of high growth and strong profitability a testament to the durability of its business model and competitive moats. Considering its strong fundamentals $RELY is in a"  
[X Link](https://x.com/riyadosofian/status/1975182717802475789) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"$RELY Goldman Sachs maintains Buy rating with $XX PT"  
[X Link](https://x.com/riyadosofian/status/1977729408929599848) [@riyadosofian](/creator/x/riyadosofian) 2025-10-13T13:33Z 7934 followers, 2068 engagements


"$ZETA Are you ready for a massive rerating Here are analyst Revenue estimates: - 2025: $1.26B (+25%) As a reminder the high end of management's guidance is $1.27B (+26%) and they ALWAYS beat guidance (16 straight quarters) so $ZETA will easily beat estimates here. - 2026: $1.49B (+17.7%) Management expects a XX% Organic CAGR through 2028 so analysts' 2026 estimates are already below guidance. "Organic" means guidance does NOT include the $190M of Revenue contribution from its recent Marigold Enterprise acquisition. If we apply XX% Organic growth in 2026 plus $190M Marigold Revenue we get 2026"  
[X Link](https://x.com/riyadosofian/status/1976298759769460738) [@riyadosofian](/creator/x/riyadosofian) 2025-10-09T14:48Z 7931 followers, 10.2K engagements


"8) Priced for Disaster Today $RELY trades at just 11.7x Forward EV/EBITDA and 18.3x Forward P/E. These multiples are the lowest they have ever been despite the company being in its best fundamental shape in the history of the company. Down XX% from its all-time highs and down XX% from its 52-week highs $RELY is priced for disaster. Let me remind you $RELY is growing Send Volume at XX% is already GAAP profitable and is producing robust FCF at a XXXX% Margin. It is also expected to grow Revenue and EBITDA at a CAGR of XXXX% and XXXX% respectively over the next two years. It's incredibly rare to"  
[X Link](https://x.com/riyadosofian/status/1975182732537041126) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7930 followers, XXX engagements


"$RELY is an underfollowed underappreciated and undervalued hypergrowth fintech company. 🧵 Here are X reasons why I've added it to my portfolio 👇🏻"  
[X Link](https://x.com/riyadosofian/status/1975182694259806686) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7929 followers, 4465 engagements


"The market is not ready for $ZETA's new superintelligent conversational marketing agent (Athena). CEO David Steinberg on Athena during Investor Day: "This is the future of our company. I will tell you that this to me is the single biggest thing we've ever done. I got the full demonstration about a month ago. I literally got chills at how good it was. I will tell you that when I saw this product and not to belittle Zeta I thought this would be a Meta product. This would be a Google product. We're the ones who crack the code.""  
[X Link](https://x.com/riyadosofian/status/1976246711841587403) [@riyadosofian](/creator/x/riyadosofian) 2025-10-09T11:21Z 7931 followers, 39.4K engagements


"2) Massive Growth Runway As of Q2 $ONON operates XX company-owned stores worldwide. For comparison $NKE $ADDYY and $LULU have 1032 1860 and XXX company-owned stores respectively. This implies a significant direct store growth runway for $ONON. Another area of growth would be its apparel business which makes up just X% of Total Revenue. For context $LULU mainly an apparel company reported $2.5B (approximately CHF 2B) in Revenue in Q2. If $ONON reaches a similar scale its apparel business could potentially grow 50x from here. Moreover since running is a much larger sport than yoga or pilates"  
[X Link](https://x.com/riyadosofian/status/1968626365705736660) [@riyadosofian](/creator/x/riyadosofian) 2025-09-18T10:41Z 7931 followers, XXX engagements


"That's a wrap If you would like to read my full investment thesis on $RELY do check out my deep dive article here: These posts take a lot of time and energy to write so I would appreciate a like share and subscribe. Thank you for your support"  
[X Link](https://x.com/riyadosofian/status/1975182739625423068) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7926 followers, 1502 engagements


"🚨 $MQ CFO and Interim CEO Mike Milotich to become CEO of the company effective immediately. He will continue to serve as the CFO until a successor is identified"  
[X Link](https://x.com/riyadosofian/status/1965024888193949825) [@riyadosofian](/creator/x/riyadosofian) 2025-09-08T12:10Z 7925 followers, 1860 engagements


"@Oliverino2 Agree :) I also wrote a deep dive on $RELY recently if you wanna check it out. There's barely any coverage out there"  
[X Link](https://x.com/riyadosofian/status/1975780203302690821) [@riyadosofian](/creator/x/riyadosofian) 2025-10-08T04:28Z 7926 followers, XXX engagements


"@Khrix69 $RELYs rapid growth over the last few years already demonstrates its competitive moat. I think both will do great. I think both will dominate. Its not a winner takes all market"  
[X Link](https://x.com/riyadosofian/status/1975229145564184650) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T15:58Z 7925 followers, XXX engagements


"I'll be releasing a deep dive on this mystery stock today. Stay tuned :)"  
[X Link](https://x.com/riyadosofian/status/1973999855790866504) [@riyadosofian](/creator/x/riyadosofian) 2025-10-03T06:33Z 7925 followers, 31.6K engagements


"$HIMS So today Hers has 500K+ Subscribers. Q2 Monthly Online Revenue Per Average Sub = $XX Assuming 600K Hers Subs and $XX Revenue per Sub by end of year then: Hers 2025 Annualized Revenue = 600K x $XX x XX = $504M Management just announced that they expect Hers 2026 Revenue of over $1B. That means they're about to DOUBLE the Hers business in 2026. Wow Wow Wow"  
[X Link](https://x.com/riyadosofian/status/1978785494495268934) [@riyadosofian](/creator/x/riyadosofian) 2025-10-16T11:30Z 7931 followers, 31.5K engagements


"$ZETA today feels like $HIMS in January 2024 when it traded at $X. $HIMS was hit by a short report in 2023 and although it did not send shares tumbling it did worsen sentiment which is why the stock faded to the $X range. However it recovered and reclaimed the 200-day SMA. Then it reported its first GAAP profitable quarter which cleared all doubts from the short report. It was a defining quarter that shifted sentiment for good sending shares up 30%+ in a single day. The rest is history. $ZETA looks like it's following the same pattern. In Nov 2024 Culper released a short report sending $ZETA"  
[X Link](https://x.com/riyadosofian/status/1978793042997018890) [@riyadosofian](/creator/x/riyadosofian) 2025-10-16T12:00Z 7931 followers, 20.5K engagements


"$ZETA PTs after Investor Day Needham $XX RBC Capital $XX Truist $XX Roth MKM $44"  
[X Link](https://x.com/riyadosofian/status/1976256813105594745) [@riyadosofian](/creator/x/riyadosofian) 2025-10-09T12:01Z 7923 followers, 10.6K engagements


"🚨 My new $ZETA article just went live In this article I cover: - XX of the most important slides from the Investor Day presentation - Implications of the Marigold acquisition - My updated valuation model and price target Check it out here👇🏻"  
[X Link](https://x.com/riyadosofian/status/1977745320256602564) [@riyadosofian](/creator/x/riyadosofian) 2025-10-13T14:36Z 7934 followers, 12.4K engagements


"$ZETA Investor Day 2025 review and valuation model update going live soon :)"  
[X Link](https://x.com/riyadosofian/status/1977729619995267491) [@riyadosofian](/creator/x/riyadosofian) 2025-10-13T13:34Z 7931 followers, 3893 engagements


"T-minus X days till $ZETA Investor Day. Management will be discussing $ZETA's "product roadmap and R&D pipeline.""  
[X Link](https://x.com/riyadosofian/status/1975125953618849826) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T09:08Z 7926 followers, 8630 engagements


"$RELY is the NEWEST addition to my portfolio: $3.3B Market Cap XX% growth 1.6x Forward EV/Sales. In this deep dive article I explain why it is one of the most attractive fintech stocks today. Please like share and subscribe Thank you and enjoy"  
[X Link](https://x.com/riyadosofian/status/1974082005022507490) [@riyadosofian](/creator/x/riyadosofian) 2025-10-03T12:00Z 7934 followers, 15.3K engagements


"Risks - Competition: Price competition from legacy banks traditional remittance providers (like $WU) and digitally-native fintech players (like $SOFI $PYPL and $WISE) could lead to lower margins and take rates. - Anti-Immigration Policies: $RELY's Active Customer growth has slowed down materially over the last few quarters. This may be due to mass deportations and stricter immigration policies. - Crypto: Uncertainty remains as to how blockchain technology and digital currencies fit in and impact the remittance industry"  
[X Link](https://x.com/riyadosofian/status/1975182735707951385) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7927 followers, 1347 engagements


"3) Only X% Market Share $RELY is still very early in its growth journey. For one the personal cross-border payment market is worth $2.0T. As of Q2 RELY had captured approximately X% of this market. To expand its market share $RELY has launched several exciting initiatives including: - Remitly Business expands TAM to $22T. - Remitly One membership program for cross-border payments. - Stablecoins support digital currency adoption. - Agentic AI automating and personalizing payments. Through these initiatives and through delighting more customers $RELY will take even more market share by the day"  
[X Link](https://x.com/riyadosofian/status/1975182708986065301) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"Currently reviewing the $ZETA Investor Day transcript and deck. Will summarize the key points in an article. Join my Substack. Link in bio"  
[X Link](https://x.com/riyadosofian/status/1976094516315623813) [@riyadosofian](/creator/x/riyadosofian) 2025-10-09T01:17Z 7924 followers, 3807 engagements


"4) Low Bar for Outperformance Heres what management guided for the rest of the year. - Q3 Revenue: $413M up XX% YoY. - Q3 Adjusted EBITDA: $55M at a XXXX% Margin. - 2025 Revenue: $1.62B up XX% YoY. - 2025 Adjusted EBITDA: $230M at a XXXX% Margin. Given its recent product launches current growth momentum and management's conservatism I believe $RELY will obliterate its guidance. To elaborate in the last four quarters $RELY has beaten the high-end of its Revenue guidance by an average of X percentage points In other words I believe management is sandbagging their guidance they have set a very"  
[X Link](https://x.com/riyadosofian/status/1975182713717182666) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"The company is $RELY Check out my deep dive. Link in bio :)"  
[X Link](https://x.com/riyadosofian/status/1974122928368501000) [@riyadosofian](/creator/x/riyadosofian) 2025-10-03T14:42Z 7926 followers, 5767 engagements


"6) Superb Free Cash Flow Conversion With rapid growth and improved profitability $RELY has also been incredibly efficient in converting profits into cash. As of Q2 $RELY has a TTM Free Cash Flow of $346M which equates to a FCF Conversion Rate of XXX% against its TTM Adjusted EBITDA of $215M. In addition TTM FCF Margin was XXXX% up 2470bps YoY Although well see minimal margin improvement from here I expect FCF on an absolute basis to grow from this point forward driven by sustained topline growth. This should drive FCF Per Share higher which should lift the stock along with it"  
[X Link](https://x.com/riyadosofian/status/1975182723158614202) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"2) Eating Market Share $RELY is growing like wildfire. Over the last three years its topline metrics have basically tripled: - Active Customers went from 3.0M to 8.5M (37% CAGR). - Send Volume went from $6.1B to $18.5B (41% CAGR). - Revenue went from $136M to $412M (41% CAGR). According to the World Bank global remittance flows grew by only X% in 2024. Given $RELY's superior growth rate the fintech firm is undoubtedly capturing tons of market share. Bears argue that mass deportations travel bans and other anti-immigration policies would put a strain on $RELY's growth since most of its"  
[X Link](https://x.com/riyadosofian/status/1975182704611324054) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7925 followers, XXX engagements


"$HIMS up XX% on a product launch that was expected 2-3 months ago seems odd. .seems like shorts are covering big time. .seems like a bigger move is coming"  
[X Link](https://x.com/riyadosofian/status/1978669129365147672) [@riyadosofian](/creator/x/riyadosofian) 2025-10-16T03:47Z 7931 followers, 12.5K engagements


"1) Disrupting Traditional Remittance In a nutshell $RELY is a digital remittance company. It offers cross-border financial services via its user-friendly mobile app. $RELY offers superior value compared to traditional remittance providers like legacy banks and $WU: - it's cheaper - it's transparent - it's simpler - it's faster - it's completely digital - it's more flexible Over the last XX years $RELY has built a vertically-integrated cross-border payment infrastructure that supports money movement across: - 5200+ corridors - 170+ countries - 100+ currencies - 470K+ cash pick up locations -"  
[X Link](https://x.com/riyadosofian/status/1975182698911338700) [@riyadosofian](/creator/x/riyadosofian) 2025-10-06T12:53Z 7926 followers, XXX engagements