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![Next100Baggers Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1760732748925263872.png) Next XXX Baggers [@Next100Baggers](/creator/twitter/Next100Baggers) on x 6099 followers
Created: 2025-07-25 08:11:46 UTC

“Price writes the narrative” is catchy until you dig into the real drivers:

$GOOG
- Ad rev +12% YoY, Cloud ARR $XX B (+30% YoY)
- Op margins 33%, FCF >$50 B/year (20% FCF yield)

Narrative flip at $150=>$190 came on solid growth and margin inflect.

$SOFI
- Lending rev +60% YoY, Deposits >$50 B (+150% YoY)
- Nearing positive EBITDA on 20%+ ROE
It’s not “just a bank”, it’s breakeven fintech in a low rate cycle.

$UNH
- XX M MA members (+10% CAGR), $XXX B rev → $XX B FCF (9% yield)
- Optum EBITDA +30% YoY

True rerate catalyst = MLR roll-off <85% & 2026 MA rate clarity, not a ticker price.

Stop diagnosing price swings, anchor on cash flows, margins and catalysts.


XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948657414057685108/c:line.svg)

**Related Topics**
[goog](/topic/goog)
[fintech](/topic/fintech)
[lending](/topic/lending)
[$sofi](/topic/$sofi)
[op](/topic/op)
[rev](/topic/rev)
[$goog](/topic/$goog)
[$googl](/topic/$googl)

[Post Link](https://x.com/Next100Baggers/status/1948657414057685108)