# ![@victaurs Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1818202976219217920.png) @victaurs Victaurs

Victaurs posts on X about fintech, $pypl, $wal, $crcl the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1818202976219217920/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:interactions.svg)

- [--] Week [------] +4.60%
- [--] Month [-------] +111%
- [--] Months [---------] -48%
- [--] Year [---------] +567%

### Mentions: [--] [#](/creator/twitter::1818202976219217920/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:posts_active.svg)

- [--] Month [---] +28%
- [--] Months [---] +19%
- [--] Year [-----] +381%

### Followers: [-----] [#](/creator/twitter::1818202976219217920/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:followers.svg)

- [--] Week [-----] +0.10%
- [--] Month [-----] +1.30%
- [--] Months [-----] +19%
- [--] Year [-----] +167%

### CreatorRank: [---------] [#](/creator/twitter::1818202976219217920/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  52.48% [finance](/list/finance)  45.54% [technology brands](/list/technology-brands)  23.76% [cryptocurrencies](/list/cryptocurrencies)  12.87% [countries](/list/countries)  2.97% [financial services](/list/financial-services)  2.97%

**Social topic influence**
[fintech](/topic/fintech) #230, [$pypl](/topic/$pypl) #1174, [$wal](/topic/$wal) 6.93%, [$crcl](/topic/$crcl) 6.93%, [market](/topic/market) 5.94%, [$gpn](/topic/$gpn) 5.94%, [wal](/topic/wal) 5.94%, [$bpop](/topic/$bpop) 5.94%, [business](/topic/business) 4.95%, [money](/topic/money) 4.95%

**Top accounts mentioned or mentioned by**
[@william_r2rclub](/creator/undefined) [@aureliusltd28](/creator/undefined) [@gunjanjs](/creator/undefined) [@thestalwart](/creator/undefined) [@zerohedge](/creator/undefined) [@arrakisglobal](/creator/undefined) [@aprescapital](/creator/undefined) [@hussainresearch](/creator/undefined) [@jimconn52657931](/creator/undefined) [@rosyprosperity](/creator/undefined) [@alphatalon2025](/creator/undefined) [@gmariaangioy](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [Walrus (WAL)](/topic/$wal) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [Global Payments Inc (GPN)](/topic/$gpn) [Popular Inc (BPOP)](/topic/$bpop) [Bank OZK (OZK)](/topic/$ozk) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [Chime Financial, Inc (CHYM)](/topic/$chym) [First Citizens BancShares, Inc. (FCNCA)](/topic/$fcnca) [USDC (USDC)](/topic/usdc) [loanDepot, Inc. (LDI)](/topic/$ldi) [Klarna Group plc (KLAR)](/topic/$klar) [Jefferies Financial Group Inc. (JEF)](/topic/$jef) [CUSTOMERS BANCORP INC (CUBI)](/topic/$cubi) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Rocket Companies, Inc. (RKT)](/topic/$rkt) [Apollo Global Management, Inc. (APO)](/topic/$apo) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Zions Bancorporation, NA. (ZION)](/topic/$zion) [Flagstar Financial, Inc. (FLG)](/topic/$flg) [Transocean LTD. (RIG)](/topic/$rig) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [Axon Enterprise, Inc. (AXON)](/topic/$axon) [The Bancorp Inc. (TBBK)](/topic/$tbbk) [ServisFirst Bancshares Inc. (SFBS)](/topic/$sfbs) [Ethereum (ETH)](/topic/ethereum)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Buying banks isnt about picking the fastest horse. Its about buying the horse that doesnt drop dead halfway through the race"  
[X Link](https://x.com/anyuser/status/1909959912538718562)  2025-04-09T13:21Z [----] followers, [----] engagements


"If PayPal were a newly IPOd fintech growing EPS +15% with [--] straight beats and a $6B buyback Would it be trading at [--] Or is the only reason its cheap because people are still mad at 2021"  
[X Link](https://x.com/anyuser/status/1951034625997897908)  2025-07-31T21:37Z [----] followers, [----] engagements


"@GunjanJS Calling equities the new risk-free rate is not analysis it is surrender to a bubble"  
[X Link](https://x.com/anyuser/status/1970871853620384195)  2025-09-24T15:24Z [----] followers, [----] engagements


"People call this a credit event. I call it a legal event. Credit risk is when the borrower cannot pay. Legal risk is when three lenders show up at court waving the same invoice. The borrower is fine. The system is not"  
[X Link](https://x.com/anyuser/status/1977088133889245570)  2025-10-11T19:05Z [----] followers, 11.9K engagements


"Bear and Lehman levered 30-36x into mortgage sludge. $JEF runs closer to 8x backed by daily margined trading assets. The comparison is lazy"  
[X Link](https://x.com/anyuser/status/1977751429550153915)  2025-10-13T15:01Z [----] followers, 10.5K engagements


"Goldman sees Jefferies exposure at $45M just 5% of projected [----] earnings. The market priced it like a solvency event. That is the spread between fear and fact"  
[X Link](https://x.com/anyuser/status/1978924334082101273)  2025-10-16T20:41Z [----] followers, [----] engagements


"Quiet fact: a lot of the regionals getting hit hardest are the ones with buyback engines revving $OZK $FCNCA Are there other names where management can play offense here"  
[X Link](https://x.com/anyuser/status/1979930131675107542)  2025-10-19T15:18Z [----] followers, 23.2K engagements


"I break this down in detail here including the two screens I use to compare fintechs without pretending theyre the same business. How to separate false inflections from real ones. Read the full piece 👇 https://www.victaurs.com/p/beaten-down-fintechs-broken-charts https://www.victaurs.com/p/beaten-down-fintechs-broken-charts"  
[X Link](https://x.com/victaurs/status/2016579094847148235)  2026-01-28T18:28Z [----] followers, [----] engagements


"This one on $RIG was correct. Full link to October write-up below"  
[X Link](https://x.com/victaurs/status/2021216705842733370)  2026-02-10T13:36Z [----] followers, [----] engagements


"1/3 Pulled a fintech screener and one thing stands out fast. Most of the space is still stuck in downtrends or heavy resistance. Lots of red. Lots of stalled charts. But Brazil-linked names keep quietly showing up on the right side of the screen. 🧵"  
[X Link](https://x.com/victaurs/status/2021257175700480360)  2026-02-10T16:17Z [----] followers, [----] engagements


"2/3 This is exactly what we flagged last year with $STNE and Brazil more broadly. While US fintech keeps fighting old narratives capital has been rotating into places with cleaner balance sheets buybacks and improving execution. https://www.victaurs.com/p/flows-are-turning-green-in-brazil https://www.victaurs.com/p/flows-are-turning-green-in-brazil"  
[X Link](https://x.com/victaurs/status/2021257178862981352)  2026-02-10T16:17Z [----] followers, [---] engagements


"Writing up $AXON . any bears or bulls"  
[X Link](https://x.com/victaurs/status/2021566356068647380)  2026-02-11T12:45Z [----] followers, [----] engagements


"If your upside case on $GPN depends on a flawless multi year integration and 15% EPS growth from synergies that is not a base case that is a wish list. Integration risk plus leverage plus rising competition is not usually the cocktail that earns a 12x multiple"  
[X Link](https://x.com/victaurs/status/1997345134418206831)  2025-12-06T16:39Z [----] followers, [---] engagements


"Every value trap I have ever owned started with the same line in my notes. Market is overreacting this is just too cheap. Cheap only matters if the business can still take share grow earnings or earn a rerate. With $GPN you are mostly underwriting survival in a crowded low margin lane. https://t.co/ukz2cRjaKK https://t.co/ukz2cRjaKK"  
[X Link](https://x.com/victaurs/status/1997388397242167797)  2025-12-06T19:31Z [----] followers, [----] engagements


"Watch your own behavior around names like $GPN. You read one or two bullish writeups buy a too cheap story then spend the next two years collecting any data point that proves you right. Confirmation bias is what turns a 6x stock into a permanent resident of your portfolio"  
[X Link](https://x.com/victaurs/status/1997685026801197147)  2025-12-07T15:10Z [----] followers, [---] engagements


"Investing is not about finding lonely screens with low PEs. It is about owning businesses where the future can honestly look better than the past and where other investors can eventually see that too. In the $GPN Trap piece I tried to map out why that future is so hard to imagine here without heroic assumptions. Premium note is in the reply. https://twitter.com/i/web/status/1997687315049894154 https://twitter.com/i/web/status/1997687315049894154"  
[X Link](https://x.com/victaurs/status/1997687315049894154)  2025-12-07T15:19Z [----] followers, [---] engagements


"Leverage is not evil. It just magnifies whatever story you are already living. In the Worldpay era $GPN gives you a levered bet on a massive integration going well in a brutally competitive market. If that is the hill you choose to climb size it like one"  
[X Link](https://x.com/victaurs/status/1997693834915184691)  2025-12-07T15:45Z [----] followers, [---] engagements


"Some of the most interesting names right now live in the everyones nervous bucket. Think $WAL $CUBI $TBBK $OZK $MBIN $FFBB Real TBVPS growth real hair real debate. If you had to build a basket of 3-5 ugly compounders in banks which tickers would you pick and why"  
[X Link](https://x.com/victaurs/status/1998121561757556944)  2025-12-08T20:04Z [----] followers, [----] engagements


"For the smaller bank nerds I keep circling back to names like $UNTY $PLBC $QCRH $SMBC $OPBK $FBIZ $SFBS Not recommendations just places where the TBVPS trend and the current valuation make me curious. Which under followed banks sit on your radar that almost nobody talks about. Tag a ticker you think deserves a deeper look. https://twitter.com/i/web/status/1998758220916204020 https://twitter.com/i/web/status/1998758220916204020"  
[X Link](https://x.com/victaurs/status/1998758220916204020)  2025-12-10T14:14Z [----] followers, [----] engagements


"1/4 Stablecoin issuers generating $5B in revenue is real. But revenue disruption. Most of this money comes from yield on collateral not from replacing Visa banks or payment rails. 🧵 ⚡ UPDATE: Stablecoin issuers generated $5B in revenue in [----] from supply deployed on Ethereum per Token Terminal. https://t.co/ef3N9nJyDm ⚡ UPDATE: Stablecoin issuers generated $5B in revenue in [----] from supply deployed on Ethereum per Token Terminal. https://t.co/ef3N9nJyDm"  
[X Link](https://x.com/victaurs/status/2015848154751471706)  2026-01-26T18:03Z [----] followers, [---] engagements


"Safe haven low volatility. Crowded trades unwind fast"  
[X Link](https://x.com/victaurs/status/2017282092388778470)  2026-01-30T17:01Z [----] followers, [---] engagements


"1/9 $CRCL is no longer trading on hype or headlines. Its trading on policy rates and execution risk. Thats why the stock keeps bleeding even as stablecoin infrastructure screens well on paper. Heres what the market is actually pricing instead. 🧵"  
[X Link](https://x.com/victaurs/status/2018423184568058167)  2026-02-02T20:36Z [----] followers, [----] engagements


"2/9 $CRCL isnt being valued as fintech. Its being valued as a rate-sensitive utility with political optionality. USDC circulation is large but revenue still depends heavily on interest income rather than transaction fees. That distinction matters. https://twitter.com/i/web/status/2018423189907640567 https://twitter.com/i/web/status/2018423189907640567"  
[X Link](https://x.com/victaurs/status/2018423189907640567)  2026-02-02T20:36Z [----] followers, [---] engagements


"3/9 The CLARITY Act delay is not noise. It introduces duration risk. Without legislative protection for private issuance Circle's "regulatory moat" can flip into a constraint especially if banks dictate reserve terms or capital requirements. https://x.com/CryptoTice_/status/2018263124663525824 https://x.com/CryptoTice_/status/2018263124663525824 SEC CHAIR PAUL ATKINS IS PRESSING CONGRESS TO PASS THE CLARITY ACT NOW. Its really crucial for Congress at this moment in time to step forward and come up with crypto legislation. Thats not a casual comment. Thats the head of the SEC admitting the"  
[X Link](https://x.com/victaurs/status/2018423193443107044)  2026-02-02T20:36Z [----] followers, [---] engagements


"4/9 Kevin Warsh changes the framing. Not anti-blockchain but skeptical of private money. A wholesale CBDC or bank-led dollar plumbing favors incumbents. That turns Circle from disruptor into potential service provider. Margins compress fast in that world. https://x.com/saylor/status/2017235357964599336 https://x.com/saylor/status/2017235357964599336"  
[X Link](https://x.com/victaurs/status/2018423196396015954)  2026-02-02T20:36Z [----] followers, [---] engagements


"5/9 Circles sensitivity is measurable. Every 25bps cut hits net interest income by roughly $185M. Until transaction fees replace yield CRCL is exposed to rate cuts not insulated by growth. Thats the core mismatch"  
[X Link](https://x.com/victaurs/status/2018423198698651879)  2026-02-02T20:36Z [----] followers, [---] engagements


"6/9 Arc Network and Stage-2 fees are supposed to shift Circle from yield to fees. But execution is the risk. If adoption lags the infrastructure narrative collapses into dead weight. Thats why the stock keeps de-rating not stabilizing"  
[X Link](https://x.com/victaurs/status/2018423201404006509)  2026-02-02T20:36Z [----] followers, [---] engagements


"7/9 Price action is doing the talking. Options show hesitation not conviction. Put/Call sits near parity while open interest leans mildly bullish. That says holders are patient traders are hedged. The market is waiting for execution not buying the story early"  
[X Link](https://x.com/victaurs/status/2018423204230975639)  2026-02-02T20:36Z [----] followers, [---] engagements


"8/9 Below $60 CRCL stops trading like infrastructure and starts trading like a balance sheet. Above $80 the market needs proof. Real fee capture. Lower rate sensitivity. Clear execution. Until then price is doing exactly what it should. Waiting"  
[X Link](https://x.com/victaurs/status/2018423207171080261)  2026-02-02T20:36Z [----] followers, [---] engagements


"Last year we wrote about Klarnas path from a $45B peak to a $14B reality and why scale without margin is not a moat. https://www.victaurs.com/p/straight-outta-sweden-klarnas-45b https://www.victaurs.com/p/straight-outta-sweden-klarnas-45b"  
[X Link](https://x.com/victaurs/status/2019053219704426957)  2026-02-04T14:19Z [----] followers, [---] engagements


"USDC growth is real. The market is still pricing Circle like a cyclical rate trade not a payments network with operating leverage"  
[X Link](https://x.com/victaurs/status/2019077549201015116)  2026-02-04T15:56Z [----] followers, [---] engagements


"1/3 $UBER Q4 reaction is a reminder of how markets actually work. Strong revenue. Strong bookings. Softer EPS guidance. Stock sells off anyway. This isnt about good or bad earnings. Its about expectations positioning and what investors thought they already owned.🧵 $UBER Q4'25 EARNINGS HIGHLIGHTS 🔹 Revenue: $14.37B (Est. $14.32B) 🟢; +20% YoY 🔹 Adj. EPS: $0.71 (Est. $0.79) 🔴; +27% YoY 🔹 Gross Bookings: $54.14B (Est. $53B) 🟢; +22% YoY 🔹 Trips: 3.80B; +22% YoY Q1'26 Guide: 🔹 Adj. EBITDA: $2.37B$2.47B (Est. $2.45B) 🟢 🔹 Gross https://t.co/o0S2aADACV $UBER Q4'25 EARNINGS HIGHLIGHTS 🔹"  
[X Link](https://x.com/victaurs/status/2019088141290791081)  2026-02-04T16:38Z [----] followers, [----] engagements


"2/3 This is why we pushed back late last year on the idea that Uber was dirt cheap. The real wasnt growth. It was how much cash is truly deployable for shareholders vs what looks good on the surface. This thread is worth revisiting today 👇 https://x.com/victaurs/status/2012175484012929334 Once you adjust for insurance reserve growth and stock based compensation Ubers free cash flow tells a different story. What looks like 16x free cash flow is closer to 40x plus on true shareholder cash. That changes the risk and the required growth assumptions. https://t.co/dwkIi5gsZG"  
[X Link](https://x.com/victaurs/status/2019088143929008326)  2026-02-04T16:38Z [----] followers, [---] engagements


"3/3 We laid out the framework behind this trade months ago. How much cash is real How much is optical And what assumptions youre implicitly underwriting at todays valuation. The piece still holds up. Full deep dive https://www.victaurs.com/p/the-16x-fcf-mirage-should-you-buy https://www.victaurs.com/p/the-16x-fcf-mirage-should-you-buy"  
[X Link](https://x.com/victaurs/status/2019088146302984568)  2026-02-04T16:38Z [----] followers, [---] engagements


"@TheStalwart This chart doesnt scream top. It says concentration reached an extreme. Those moments usually mark a shift in who drives returns not an immediate collapse"  
[X Link](https://x.com/victaurs/status/2019448894602551653)  2026-02-05T16:31Z [----] followers, [---] engagements


"1/2 SpaceX is reportedly pushing for early index inclusion ahead of a massive IPO. That tells you almost everything you need to know about what an IPO really is. An IPO isnt validation. Its the moment control shifts from insiders to the market and price discovery begins under real supply. When companies optimize for benchmarks flows and distribution before the stock even trades theyre managing demand not proving durability. That setup is exactly why so many hot IPOs turn investors into exit liquidity. I wrote this as a guide to avoiding that mistake. 🧵"  
[X Link](https://x.com/victaurs/status/2019453658832810173)  2026-02-05T16:50Z [----] followers, [---] engagements


"1/2 PayPal $PYPL down [--] days in a row is the part everyone sees. What most people miss is what this selloff is actually about. Its not payments are broken. Its that the market is done paying for vague turnarounds + consumer-heavy stories. While $PYPL bleeds some payment businesses are quietly doing the opposite. Growing revenue. Expanding margins. Hitting the numbers they said they would. 🧵 PayPal $PYPL has now declined for [--] consecutive trading days its longest losing streak since January [----] 📉📉 https://t.co/oOmgHqNKMj PayPal $PYPL has now declined for [--] consecutive trading days its"  
[X Link](https://x.com/victaurs/status/2019791299885322585)  2026-02-06T15:12Z [----] followers, [----] engagements


"PayPal hitting an RSI around [--] + printing [--] straight red days looks extreme on a chart. But oversold doesnt automatically mean investable. This isnt fear about liquidity or survival. Its a credibility reset. $PYPL is cheap because the market no longer trusts the execution path: - Revenue growth stuck in low single digits - Flat EPS guidance when growth was expected - Second CEO change in two years - Branded checkout still losing relevance - Long-term guidance quietly pulled That turns a low multiple into a high hurdle. You can make money here if a lot goes right. Buybacks help. Venmo keeps"  
[X Link](https://x.com/victaurs/status/2019803275382632893)  2026-02-06T16:00Z [----] followers, [---] engagements


"1/2 Gold above $5000 but conviction is missing. China keeps buying. The dollar is softer. Rate cuts are back in the conversation. And yet price is going nowhere fast. That usually means forces are cancelling each other out not that the move is over. 🧵 BREAKING: Gold officially reclaims $5000/oz and silver rises back into $80/oz. Another wild week is ahead of us. https://t.co/O2yb31wqdN BREAKING: Gold officially reclaims $5000/oz and silver rises back into $80/oz. Another wild week is ahead of us. https://t.co/O2yb31wqdN"  
[X Link](https://x.com/victaurs/status/2020905735723401687)  2026-02-09T17:00Z [----] followers, [---] engagements


"2/2 This chart explains the stalemate. Gold keeps leaning into the 200-hour moving average and getting stuck there. Momentum is still positive RSI is firm but upside follow-through fades every time risk appetite improves. Safe-haven demand is being offset by better equity tone and traders waiting on NFP and CPI. Above this level the path opens. Rejected again and this stays a grind not a breakout. For now gold is being supported not chased. https://twitter.com/i/web/status/2020905739691168214 https://twitter.com/i/web/status/2020905739691168214"  
[X Link](https://x.com/victaurs/status/2020905739691168214)  2026-02-09T17:00Z [----] followers, [---] engagements


"Gold pulled back in Asia but the bigger picture hasnt changed. Price is still holding above $5K even as risk appetite improves and geopolitical tension cools. That tells you theres no real urgency to sell. This looks more like digestion than distribution"  
[X Link](https://x.com/victaurs/status/2021271635395837960)  2026-02-10T17:14Z [----] followers, [---] engagements


"5/7 Cheap can be a gift. But most of the time its a warning label. $PYPL looks cheap because growth is soft guidance is cautious and the story keeps getting revised. When a company pulls long-term targets and moves to 1-year well see mode the market stops paying up"  
[X Link](https://x.com/victaurs/status/2021305747200442806)  2026-02-10T19:30Z [----] followers, [---] engagements


"6/7 Heres the uncomfortable part: this isnt fintech is dead. Its PayPals edge got competed away. Stripe became the developer default. Shop Pay took the Shopify lane. Apple Pay turned checkout into a button inside the OS. PayPal still has scale. It just doesnt control the moment anymore. https://twitter.com/i/web/status/2021305750480617915 https://twitter.com/i/web/status/2021305750480617915"  
[X Link](https://x.com/victaurs/status/2021305750480617915)  2026-02-10T19:30Z [----] followers, [---] engagements


"7/7 Payments look like a graveyard right now. $PYPL is the cleanest example of cheap for a reason. I wrote up what Im seeing across the group plus the broader watchlist and current holdings: https://www.victaurs.com/p/gratitude-as-an-operating-system https://www.victaurs.com/p/gratitude-as-an-operating-system"  
[X Link](https://x.com/victaurs/status/2021305753013797241)  2026-02-10T19:30Z [----] followers, [---] engagements


"$LDI is ripping insiders are selling and analysts are still cutting targets. That's not a contradiction. It's a signal. Mortgage stocks don't move on fundamentals first. They move on rates expectations. 🧵"  
[X Link](https://x.com/victaurs/status/2014396079647633670)  2026-01-22T17:53Z [----] followers, [---] engagements


"2/4 loanDepot is a high-beta expression of one thing: long rates drifting lower. When that narrative heats up the weakest balance sheets move fastest. Thats why $LDI $TREE $FIGR & $BLNE all light up together"  
[X Link](https://x.com/victaurs/status/2014396082785071490)  2026-01-22T17:53Z [----] followers, [---] engagements


"3/4 But price moves dont tell you whats already priced in. At the center of this trade sits $RKT. Not because its cleaner but because its where expectations are clearest. At $23 Rocket isnt a rates-down bet. Its a bet that the next leg is still ahead"  
[X Link](https://x.com/victaurs/status/2014396085368750463)  2026-01-22T17:53Z [----] followers, [---] engagements


"I broke down what $23 RKT is already discounting what mortgage volume that implies and why the payoff curve is tightening from here. If youre watching $LDI you need this context. Read it here: 🔗 https://www.victaurs.com/p/what-is-23-rocket-rkt-is-pricing https://www.victaurs.com/p/what-is-23-rocket-rkt-is-pricing"  
[X Link](https://x.com/victaurs/status/2014396087566504334)  2026-01-22T17:53Z [----] followers, [----] engagements


"$APO is one of those great business messy tape names right now. The only debate is timing. Do you buy before Feb [--] or wait for the print"  
[X Link](https://x.com/victaurs/status/2019465091570159791)  2026-02-05T17:36Z [----] followers, [----] engagements


"The floor under gold is still doing the work. Fed rate cuts remain priced into [----] the $ is softening and China just logged its 15th straight month of gold buying. Central banks arent chasing breakouts. Theyre building positions. Momentum has cooled structure hasnt"  
[X Link](https://x.com/victaurs/status/2021271638357016662)  2026-02-10T17:14Z [----] followers, [---] engagements


"4/7 The problem isnt the CEO. Its where the power moved. Payments used to be won at the checkout button. Now its won by whoever owns the platform layer the wallet the rails or the developer default. PayPal is still in the game but its no longer setting the terms"  
[X Link](https://x.com/victaurs/status/2021305744268701756)  2026-02-10T19:30Z [----] followers, [---] engagements


"$KLAR selloff isnt about vibes or fintech fatigue. Its about the market repricing from growth to risk. GMV is accelerating revenue per employee looks strong and AI efficiency is real. But volume alone doesnt fix thin take-rates or lender exposure. When loss-reserve questions and lawsuits surface the story shifts from flywheel to solvency. Public markets dont reward ambition. They reward durable economics. We broke this exact tension down before. The context matters. 👇 https://twitter.com/i/web/status/2019053215984083151 https://twitter.com/i/web/status/2019053215984083151"  
[X Link](https://x.com/victaurs/status/2019053215984083151)  2026-02-04T14:19Z [----] followers, [----] engagements


"This is the trade on the table. $APO $ARES $OWL All of these "capital management" firms involved heavily in AI & data center loans like $OWL $ARCC and $KKR begin reporting earnings tomorrow. That could be why the market is getting spooked and also explains why liquidity has suddenly dried up for $NVDA's circular financing. https://t.co/k0myJbQ4s9 All of these "capital management" firms involved heavily in AI & data center loans like $OWL $ARCC and $KKR begin reporting earnings tomorrow. That could be why the market is getting spooked and also explains why liquidity has suddenly dried up for"  
[X Link](https://x.com/victaurs/status/2019065774292263229)  2026-02-04T15:09Z [----] followers, [---] engagements


"Software tape is splitting in two. $AMD and $AVGO are down single digits still treated like AI plumbing. The application layer is getting repriced like its optional. $CRM $ADBE $NOW $MNDY $ASAN $TEAM are sitting in 45%90% drawdowns. Not because the products stopped working. Because the business model is being questioned. Seat-based saas assumes more headcount more seats higher ARR. AI agents assume the opposite. Fewer seats more automation more custom workflows. Thats the mechanism behind the get me out selling. And heres the weird part: the deeper the drawdown the bigger the Streets"  
[X Link](https://x.com/victaurs/status/2019116634128994509)  2026-02-04T18:31Z [----] followers, [----] engagements


"At 4.4x sales and still 40% off highs Spotify looks $SPOT Cheap for what it is Fairly priced now A value trap Still too expensive Cheap for what it is Fairly priced now A value trap Still too expensive"  
[X Link](https://x.com/victaurs/status/2021279345738735823)  2026-02-10T17:45Z [----] followers, [---] engagements


"1/7 Same screener different takeaway. Everyones staring at the green rows. Im looking at the bottom. $PYPL is sitting there in downtrend/heavy resistance land trading like the market has already moved on. Its cheap for a reason. Lets talk about the reason. 👇 1/3 Pulled a fintech screener and one thing stands out fast. Most of the space is still stuck in downtrends or heavy resistance. Lots of red. Lots of stalled charts. But Brazil-linked names keep quietly showing up on the right side of the screen. 🧵 https://t.co/uhZagNgBAB 1/3 Pulled a fintech screener and one thing stands out fast. Most"  
[X Link](https://x.com/victaurs/status/2021305732814000230)  2026-02-10T19:30Z [----] followers, [----] engagements


"2/7 This chart is the whole mood. MA is basically flat. $AFRM is down but alive. $PYPL is the one getting treated like it's broken. And that's the key point: PayPal isn't getting punished for "fintech is out." It's getting punished for drift-slow growth no clear edge and a checkout product the world keeps routing around. https://twitter.com/i/web/status/2021305737671303216 https://twitter.com/i/web/status/2021305737671303216"  
[X Link](https://x.com/victaurs/status/2021305737671303216)  2026-02-10T19:30Z [----] followers, [----] engagements


"3/7 Zoom out and its even clearer why $PYPL trades like a ghost. This was a $300 stock in [----]. Now its back near the IPO zone. That isnt market hates fintech. Thats the market saying the old PayPal is gone"  
[X Link](https://x.com/victaurs/status/2021305741248712934)  2026-02-10T19:30Z [----] followers, [---] engagements


"Most plans look good on paper. The real test starts when price moves and nerves kick in youre tempted to just adjust it a little. Thats usually where things go wrong"  
[X Link](https://x.com/victaurs/status/2021601871195201551)  2026-02-11T15:07Z [----] followers, [---] engagements


"Some up cap cheap names hiding in plain sight: $WAL $CUBI $AX $VLY $OZK $EWBC $WTFC $CADE $ABCB $BPOP. all [--] fwd EPS while compounding TBV [--] % and spinning doubledigit ROATCE. Thoughts"  
[X Link](https://x.com/anyuser/status/1950580148501123312)  2025-07-30T15:32Z [----] followers, [----] engagements


"Stablecoins are everywhere but how much of the volume is real You might be surprised by whats really driving the numbers and whos in control"  
[X Link](https://x.com/victaurs/status/1953463129066574129)  2025-08-07T14:27Z [----] followers, 257.5K engagements


"Stablecoins arent killing Visa $V yet. But theyre killing excuses for why money still takes three days to move"  
[X Link](https://x.com/anyuser/status/1954557965828313149)  2025-08-10T14:58Z [----] followers, [----] engagements


"Raising FDIC insurance to $20 million isnt just about protecting small businesses. Its about protecting regional banks and indirectly stunting stablecoin growth"  
[X Link](https://x.com/anyuser/status/1955287939111399737)  2025-08-12T15:19Z [----] followers, [----] engagements


"$crcl truth be told we were wrong. Insiders didnt even wait for the lock up to end. They just dropped 8m shares on longs. Tells you all you need to know about em"  
[X Link](https://x.com/anyuser/status/1955375990055559239)  2025-08-12T21:08Z [----] followers, 17.6K engagements


"Stablecoins are the future. Cool. So is oxygen. That does not mean I will pay 50x revenue for it"  
[X Link](https://x.com/victaurs/status/1956434466727252464)  2025-08-15T19:15Z [----] followers, [----] engagements


"Owning $NU feels like a paradox. Its a bank with fintech margins. Its a growth stock with regulatory discipline. Its hot money deposits sitting in one of the stickiest ecosystems in EM. The labels dont fit which is why the pricing looks wrong"  
[X Link](https://x.com/anyuser/status/1963269957267128412)  2025-09-03T15:56Z [----] followers, [----] engagements


"$klar IPO is being sold as the hottest thing in fintech. Thats your first warning. The network is big: 93m customers 675k merchants embedded at checkout with Stripe Worldpay and Apple Pay. The economics are thin: 2.4% take rate vs Affirms 4%. To keep growing they need volume on volume. IPO math: $14B valuation at 5x revenue. 80% of shares sold are insiders cashing out. Thats not funding growth. For Klarna to look cheap at 2-3x sales it needs $180B-$220B in GMV. Thats 50-80% growth before you even break even on the multiple. The dream is an Amazon-style ecosystem: payments lending ads"  
[X Link](https://x.com/anyuser/status/1965138752973795802)  2025-09-08T19:42Z [----] followers, 17.3K engagements


"$klar IPO is here. Hype says its the next Visa. History says its exit liquidity. $45B peak $7B trough now $14B IPO. Investors call that a comeback. Insiders call it thank you for playing. Klarnas take rate: 2.4%. Affirms: closer to 4%. Thin margins require infinite volume. Thats a treadmill not a moat. The ecosystem story is cute. Card savings ads. But its still merchant fees at heart. Retail media is the shiny add-on. Competitors Apple PayPal Visa. If your moat is habit you better pray habits dont change. IPO filings show most shares sold are insider cash-outs. Thats the real story. Klarnas"  
[X Link](https://x.com/anyuser/status/1967262383329726604)  2025-09-14T16:21Z [----] followers, 10K engagements


"Ninety five percent of Affirms transactions now come from repeat users. Thats not a fad. Thats a mousetrap"  
[X Link](https://x.com/victaurs/status/1967964868931358919)  2025-09-16T14:52Z [----] followers, [----] engagements


"Every rookie learns the P/E ratio. Few learn its irony: the lower the multiple the more likely it signals danger. Cheap can be deadly. Expensive can be fortune"  
[X Link](https://x.com/anyuser/status/1969460339147489401)  2025-09-20T17:55Z [----] followers, [----] engagements


"$UPST fell because of an Excel error. Billions gone because someone hit the wrong cell. Thats modern markets"  
[X Link](https://x.com/anyuser/status/1974114850835218554)  2025-10-03T14:10Z [----] followers, 16.4K engagements


"Markets reward discipline not FOMO. Its easy to chase $ORCL after a 40% rip. Its easy to envy the +169% YTD screenshots. The hard part is remembering who you are what you value and why youre investing in the first place"  
[X Link](https://x.com/victaurs/status/1974902406262726844)  2025-10-05T18:20Z [----] followers, 15.8K engagements


"If $2.3B can disappear from a broadly syndicated loan imagine the blind spots in private credit where lenders mark their own homework. Reminder: First Brands was a widely held BSL and $2.3B allegedly just vanished Now think about private credit deals with 2-3 lenders quarterly (maybe) reporting and marks set by the people who made the loan If this happened in the visible market whats happening in the Reminder: First Brands was a widely held BSL and $2.3B allegedly just vanished Now think about private credit deals with 2-3 lenders quarterly (maybe) reporting and marks set by the people who"  
[X Link](https://x.com/anyuser/status/1977017637067722799)  2025-10-11T14:25Z [----] followers, 17.9K engagements


"KRE is a bad index. It literally buys losers and trims winners. That means hedge funds short all names at once good or bad. So lets crowdsource: which regionals are fundamentally strong but unfairly punished"  
[X Link](https://x.com/anyuser/status/1979190665725542778)  2025-10-17T14:20Z [----] followers, [----] engagements


"The baby has been thrown out with the bathwater. $BPOP at 8.5x [----] EPS. $FCNCA near 9.5x. $OZK about to restart buybacks. Which regional names do you think come out stronger from this washout"  
[X Link](https://x.com/anyuser/status/1979208280032395639)  2025-10-17T15:30Z [----] followers, [----] engagements


"Doomers see $WAL headlines and scream collapse. Fundamentals say otherwise. Same with $ZION and $FHN. Question for you: which regionals look like buy the panic plays right now"  
[X Link](https://x.com/anyuser/status/1979554456632172580)  2025-10-18T14:25Z [----] followers, [----] engagements


"@zerohedge AI has earnings today because $NVDA sells the picks and shovels. The real bubble test comes when buyers of those shovels need to prove their own returns"  
[X Link](https://x.com/anyuser/status/1983619221771972688)  2025-10-29T19:37Z [----] followers, 11.4K engagements


"$PYPL doesnt need a breakout quarter. It needs repeatable execution. And thats what the last six have shown"  
[X Link](https://x.com/anyuser/status/1983622879226060975)  2025-10-29T19:52Z [----] followers, [----] engagements


"Tangible book value wasnt invented by X arguments. "This page is from the [----] Jamie Dimon shareholder letter." The best operators understood decades ago that compounding TBV is the real north star for bank investing"  
[X Link](https://x.com/anyuser/status/1985749966888059177)  2025-11-04T16:44Z [----] followers, [----] engagements


"https://www.victaurs.com/p/so-you-missed-nubank-at-5 https://www.victaurs.com/p/so-you-missed-nubank-at-5"  
[X Link](https://x.com/victaurs/status/1903440173049810970)  2025-03-22T13:34Z [----] followers, 65.5K engagements


"@ArrakisGlobal Totally fair. Alts arent for the faint especially when liquidity vanishes and sentiment breaks. $CVC.AS is an interesting pull. Curious if its the structure the jurisdiction or just the discount talking Either way respect the discipline"  
[X Link](https://x.com/victaurs/status/1912950122935357516)  2025-04-17T19:23Z [----] followers, [---] engagements


"To all the bank doomers from 2023: You're still wrong. Marks are not insolvency. Capital tells the truth"  
[X Link](https://x.com/victaurs/status/1939721549801754654)  2025-06-30T16:23Z [----] followers, [----] engagements


"$C $BFF $WAL $CRCL $CHYM $HOOD all live now"  
[X Link](https://x.com/victaurs/status/1940123374459711758)  2025-07-01T19:00Z [----] followers, [----] engagements


"Live writeups: $WAL $C $BFF $HOOD $CRCL $CHYM"  
[X Link](https://x.com/victaurs/status/1940424072695046522)  2025-07-02T14:55Z [----] followers, [----] engagements


"Get $CHYM $CRCL $BFF $HOOD $C $WAL writeups free for [--] days"  
[X Link](https://x.com/victaurs/status/1940515339416358964)  2025-07-02T20:58Z [----] followers, [----] engagements


"Circle didnt almost break because of crypto. They almost broke because they trusted a TradFi bank with $3.3B in reserves. USDC de-pegged. Now theyre filing for a charter. Not to disrupt banking but to replace its plumbing"  
[X Link](https://x.com/victaurs/status/1940848348166344784)  2025-07-03T19:01Z [----] followers, 22.9K engagements


"Live writeups: $WAL $C $BFF $HOOD $CRCL $CHYM"  
[X Link](https://x.com/victaurs/status/1940879595802447903)  2025-07-03T21:05Z [----] followers, [---] engagements


"Victaurs isnt cheap anymore. Neither is missing $BFF before it ran. Neither is ignoring $RKT as leverage to falling mortgage rates. Perspective is everything"  
[X Link](https://x.com/victaurs/status/1952468333112054078)  2025-08-04T20:35Z [----] followers, [----] engagements


"If you thought BNPL was a passing fad you missed how $afrm is turning free loans into lifelong customers and profits"  
[X Link](https://x.com/victaurs/status/1962231699812876611)  2025-08-31T19:11Z [----] followers, [----] engagements


"$JEF is not blowing up. A $40M loss on $669M in net income is irritation not extinction. The real risk is reputation and whether LPs trust the platform after this"  
[X Link](https://x.com/victaurs/status/1976654924621705698)  2025-10-10T14:23Z [----] followers, [----] engagements


"I keep hearing regional crisis. Yet $bpop is trading at 8.5x [----] earnings with a 57% loan/deposit ratio. Feels more like a gift than a crisis. Which cheap but strong regionals are on your radar"  
[X Link](https://x.com/victaurs/status/1979910407797018980)  2025-10-19T14:00Z [----] followers, [----] engagements


"From Nubank at $5 to Rockets $1.2T unlock. From Circle vs. JPM to Klarnas IPO test. From boring compounders like $BPOP to hated names like $PYPL"  
[X Link](https://x.com/victaurs/status/1981463442465997302)  2025-10-23T20:51Z [----] followers, [----] engagements


"being long [--] of the top [--] ain't bad . $bpop $flg"  
[X Link](https://x.com/victaurs/status/1995857508725149892)  2025-12-02T14:08Z [----] followers, 10K engagements


"When the core job is move money from A to B on someone elses rails your destiny is tied to volume and basis points. That is fine for stability less fine for surprise upside. Look at where software is eating the edge in payments and ask yourself whether $GPN is in that room. https://twitter.com/i/web/status/1997678762159411370 https://twitter.com/i/web/status/1997678762159411370"  
[X Link](https://x.com/victaurs/status/1997678762159411370)  2025-12-07T14:45Z [----] followers, [---] engagements


"Buybacks at or below TBVPS only help if the underlying bank can actually grow TBV. Otherwise you just end up owning a bigger slice of something that refuses to move. When you look at names like $STEL $COLB $SFNC $TFIN $FIBK $FRST $USB $BOH $FHB $ZION how many of those have truly earned the right to shrink their float. https://twitter.com/i/web/status/1998414836342870178 https://twitter.com/i/web/status/1998414836342870178"  
[X Link](https://x.com/victaurs/status/1998414836342870178)  2025-12-09T15:30Z [----] followers, [----] engagements


"Honest question for the bank crowd. If I told you that over the next [--] years the sector earns mid teens EPS growth and the curve stays mildly sloped which [--] bank tickers would you want to own straight through. Reply with your top [--] and a [--] line reason for each. I will read every answer"  
[X Link](https://x.com/victaurs/status/1998422394093088797)  2025-12-09T16:00Z [----] followers, [----] engagements


"I still own $bpop and $flg which means I am comfortable living with some mess. The common thread is not perfection it is direction. Capital getting stronger NIM improving TBV inching up while the narrative is still too risky. Which ugly but improving banks are on your list right now https://twitter.com/i/web/status/1998764641250353446 https://twitter.com/i/web/status/1998764641250353446"  
[X Link](https://x.com/victaurs/status/1998764641250353446)  2025-12-10T14:40Z [----] followers, [----] engagements


"Building out a screener for payments types. Any tickers you want to see on it Plese comment"  
[X Link](https://x.com/victaurs/status/2004549959350436051)  2025-12-26T13:48Z [----] followers, 11.1K engagements


"Some of these rates up winners should keep winning in '25 while others will not. $FCNCA is going to buy a lot of itself back in '25 plus it's $SIVB business lines benefit from lower rates (VC ecosystem). $JPM even told people go forward returns would be harder. Thoughts"  
[X Link](https://x.com/victaurs/status/1835368985241457057)  2024-09-15T17:24Z [----] followers, [---] engagements


"$ABL kinda interesting"  
[X Link](https://x.com/victaurs/status/1999466576962289790)  2025-12-12T13:09Z [----] followers, [----] engagements


"Fintech is evolving into infrastructure. Payments are just the hook. Real value is in: Software Credit Ecosystem lock-in Brazils top fintechs are playing this game already"  
[X Link](https://x.com/victaurs/status/1904888189728547165)  2025-03-26T13:28Z [----] followers, [----] engagements

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