SHL

@NoamSmall Since 2020, federal student loan payments were frozen under COVID relief, creating a catch-up effect when repayments resumed. Confusion around plans like SAVE also contributed to the sudden spike.

$SOFI is one of the biggest student lenders out there this is not looking to good for them right now.

In April 2025, I sold all of my $SOFI shares and bought $NBIS instead. That investment ended up gaining nearly 10x. Now, I’ve come back and heavily loaded up on SOFI again. I hope my decision is the right one.

$CRWV The most effective way to stop the stock price from continuing to fall is for insiders to stop selling shares—far more effective than issuing explanatory letters.

Although the insider sales are conducted under Rule 10b5-1 prearranged trading plans, what are your views on $CRWV insiders who, on one hand, claim the company’s outlook is very strong, while on the other hand are aggressively selling their shares?

@jiahanjimliu You didn’t even buy $NBIS why do you care? Is your jealousy issue flaring up again?

@ilzmcfly Great work McFly. There's alot of evidence. Let's wait for August earnings calls, will be evident at that point.

So the rumors are true? They are pausing construction at Nebius NJ Facility? I wonder what could be holding them back? March ---> April $nbis $iren $crwv

@DefiWimar I blocked your block.😂

🚨 WARNING: THE NEXT 24 HOURS WILL CHANGE EVERYTHING! Trump just announced a BLOCKADE of Hormuz. About $730 BILLION a year in oil flows is now under U.S. control. And markets are NOT ready for what will happen on Monday. This setup is VERY different from the last symbolic threats. This is not just another warning. When a war story turns into a blockade story, the market stops pricing noise and starts pricing DURATION. And duration is where the real damage starts. There are only a few ways this goes from here, and they are NOT equal. - LIGHT SHOCK: traders treat this like pressure tactics, oil pumps, and panic slows if traffic starts moving again. - HEAVIER SCENARIO: the blockade becomes real, ships get delayed, and uncertainty starts hitting oil, shipping, inflation, and military risk all at once. - WORST CASE: the market starts pricing a longer shutdown of Hormuz, and the whole macro picture changes in hours. That last one is the REAL danger. And now look at why they are doing it. The nuclear point was NOT agreed. Iran was still using Hormuz as leverage. And Trump is trying to break that leverage fast. That means this is NOT just about ships. It is about cutting off toll money, forcing the strait open, and showing that the U.S. will escalate if Iran keeps using energy flows as pressure. Now connect the dots. Brent has already pumped hard during this war. That is NOT normal. That is the market telling you the risk premium is already building before the full chain reaction even hits. So the point is simple. If the next 24 hours turn this from a threat into a real operation, oil does NOT need to move a little. It can pump HARD. And that's NOT bullish for any market that needs cheap energy and easy money to survive. This can still end as a short shock. But if the blockade starts getting enforced, this becomes a completely different market. Not a dip. Not a fake panic. A REAL regime shift in oil, inflation, and risk. I’ve studied macro for 10 years and I called almost every major market top, including the October BTC ATH. Follow and turn notifications on. I’ll post the warning BEFORE it hits the headlines.

@va99552 who is she？

Xem pím ngân hàng thì ❤ Đã gửi 18 bạn

@BastianelliLore I believe what the management of $NBIS says. But I’m also certain that it’s only a matter of time before $IREN lands a major order.

$NBIS vs $IREN Nebius says they have so much AI demand that they can cherry-pick customers to maximize margins and economics—and they’re guiding for ~5x revenue growth by year-end. IREN says they hold the keys with prime owned land and low-cost power supply but are holding out, waiting for the right time to go big. Who’s not telling the full story here?

@HyperAICapital @Mario20253035 @Mario20253035 If someone writes a hate-filled article about NBIS and tries to stir up conflict, my first thought is that they must be an IREN supporter. After looking at their past comments, it turns out I was right 🤣

Almost every key fact is wrong or deliberately incomplete. This might be the most embarrassing idiotic thread I’ve seen on $NBIS. Let’s go point by point @Mario20253035. Volozh “only condemned the war 18 months after it started.” He spent those 18 months relocating over 1,000 Yandex employees who wanted to leave Russia. Then he spoke out. You framed deliberate silence as cowardice. It was operational. You say he was sanctioned by the EU as a Kremlin-aligned businessman. What you left out: the EU lifted every sanction against Volozh in March 2024 after a successful legal challenge. The EU’s own legal service determined the case didn’t hold. Your key witness already acquitted him. Last month Volozh received official confirmation he is no longer a Russian citizen. He has lived in Tel Aviv for over a decade on an Israeli passport. The man you’re describing as a Kremlin asset has no Russian passport. What exactly are you arguing at this point? The Kaspersky comparison is lazy. Kaspersky had active FSB access while operating inside the United States. Nebius has zero operational presence in Russia. These are not comparable situations. “Zero CFIUS review.” CFIUS reviews are not publicly disclosed by default. The absence of a press release is not evidence of no review. Microsoft signed a $17.4 billion contract with this company. You think their legal teams didn’t scrutinize the counterparty? NVIDIA invested $2 billion into Nebius as a strategic partner. Microsoft. Meta. NVIDIA. Accel. Your thesis requires believing every single one of them missed what you spotted in a Twitter thread. The Yandex history is real. Nobody is disputing that. But Nebius is a Dutch company, Western investors, Western contracts, CEO with no Russian passport. Holding a company permanently liable for the regime it escaped is not national security analysis. It’s guilt by ancestry. Ask for a CFIUS review. That’s a legitimate ask. But this thread is built on wrong numbers, omitted facts, and a founder who was sanctioned and then cleared. 121k people who have seen your thread deserved better than this.

@ToddWel51381118 Over 90% of their current revenue comes from mining — so what do you think?

@Sandeman52 If $IREN already has 4.5GW of power, which supposedly brings in $10 billion of revenue per GW, obviously it isn’t in use right now but surely the stock price would be higher 😂 idk if I’m missing something here or what

$NBIS So if we assign 300M shares by then, we are looking at (back of napkin math) $2,000 to $3,000 stock price….conservatively…does this check out?

@BitcoinAIGuy I predict that at some point this year, both $BRK.A and $IREN will reach a stock price of 500,000.

Prediction: $IREN, $MSTR, and $NBIS will all be $120 simultaneously at one point this year.

@the_real_mccoyy You also mentioned “analysis.” Since it’s an analysis, it should cover both the positives and negatives. With so many strong aspects of NBIS, he should also analyze them thoroughly to supplement the article’s shortcomings.

@SHL2632 @Agrippa_Inv Please feel free to point out any flaws in his analysis.

Why I’m Not Invested in $NBIS First of all, let me make one thing clear: contrary to what you might think, I’m not an $NBIS bear. But then again, I’m not invested either… and for good reason. Nebius positions itself as a holistic cloud platform with superior software technology that caters to AI-native start-ups and enterprise clients. That in and of itself isn’t a problem, but it means they're directly competing against the largest hyperscalers in the world, who are also targeting that exact cohort with their own set of software solutions (Google Cloud, Microsoft, etc.). Nonetheless, if $NBIS can successfully differentiate itself with its core offerings, it could gain some pricing power, which is the company’s best shot at one day becoming profitable. The problem is, $NBIS is VERY far away from that… Looking at the last quarterly filing, the company’s gross expenses + depreciation equaled ~110% of its revenues. In other words, these two cost categories exceeded the value of the underlying revenues ($249.2m vs. revenue of $227.7m). To be fair, last quarter Nebius still used a 4 year depreciation schedule on GPUs, which is rather short and overstates depreciation. Adjusting for a 5 year depreciation schedule (industry standard) leads us to $144.6m of depreciation. Then, adding gross expenses of $68.5m on top gets you to $213.1m, which equals 93.5% of revenues. And keep in mind, this figure does NOT include the hundreds of millions in costs spent on SG&A, R&D, and financing (interest). So what’s my point with this? The problem is, these are STRUCTURAL costs, the kind that scale with revenue, meaning you can’t easily grow out of them through sheer scale. My point is that $NBIS' pricing power is nowhere to be seen, at least not relative to its costs. Now, most $NBIS investors would probably argue that we are still "early" and that pricing power will show up eventually. My problem with that argument is that the company seems to be allocating a very large chunk of its pipeline towards servicing hyperscalers through bare metal offerings, the kind of “bulk” service that does NOT command significant pricing power. That means, fundamentally speaking, $NBIS is likely very far away from actually becoming profitable. And while right now everyone is focused on headline figures like ARR, the market’s patience will run out eventually... it ALWAYS does for every company. One day, the market will demand to see real profits flow down to the bottom line, and I’m not sure if $NBIS is structurally positioned to deliver on that any time soon. To make matters worse, investors can’t even model out the economics of these large hyperscaler deals, because management provides absolutely 0 information on anything except headline figures. We don’t even know the CapEx associated with these deals, or at the very least, the number of GPUs they have to purchase to fulfill their end of the bargain. Contrast that with a company like $IREN, which gives you all the necessary information to build an entire P&L and cash flow model over the full course of the contract length, which is exactly what I’ve done extensively for our subscribers on Substack. I have a VERY good idea of how much actual post-tax net income $IREN is making in every year of their hyperscaler contract. There are other reasons that further point in the same direction, but I won’t get into them right now. If they fix their cost structure one day, I’m happy to reconsider my stance. But as of today, their “black box” approach to publishing details on their largest deals makes them uninvestable for me.

$NBIS $IREN I’ve seen a lot of ridiculous hype posts, but I’ve never seen one this ridiculous. Staying rational in investing really matters.

I believe that in the near future, $NVDA will invest to strengthen its collaboration with $NBIS subsidiary Avride.

$NBIS When someone does something we once believed was impossible, the impossible becomes possible.

$NBIS $CRWV $IREN The arrival of Vera Rubin will mark a watershed moment that separates leaders from laggards among neo cloud providers.Its exceptional performance, combined with dramatically improved efficiency, will significantly reduce long-term operating costs for enterprise.

$NBIS On March 13th, someone bet roughly $1.2M on $120 calls and $650K on $125 calls expiring March 20th. This is essentially spending over $1 million on a single lottery ticket. Perhaps they know something we don't!

@DeepValueBagger I think $NBIS and $IREN will do well before 2030. But long term, I choose NBIS. I chose NBIS because it is building AI infrastructure across regions. As AI expands worldwide, companies like NVIDIA—or any company going global—may find it easier to scale by partnering with NBIS.

This week $NBIS outperformed $IREN in a huge stretch. I'm glad I sold more than 1/2 $IREN to $NBIS few weeks ago. My only regret I didn't do for all of it. Here's why... 1. NBIS revenue growth much higher than IREN 2.NBIS execution is more visible/software/ platform/customers/multiple platform DC. 3. IREN AI business is still small, and BTC mining is a huge drag. They obviously can't throw all those miners away, and must keep them running to end of life. 4. IREN depends on higher execution risk w/ Microsoft. Microsoft reserve the rights discontinue - my nightmare case. With lack of execution history on the AI side, this is difficult to stomach. 5. IREN atm risk is looming.

@iexplore__ @jiahanjimliu @Asmallfish5 @CernunnosCap @nebiusai Jim doesn’t even own $NBIS, yet he loves nitpicking it—like a guy who isn’t even married but spends all day commenting on his beautiful married neighbor.

@jiahanjimliu @Asmallfish5 @CernunnosCap @nebiusai Why do you care so much about something like this Jim? Your hatred for $NBIS is weird. Maybe take a break from X and reset? ❤️

$NBIS To all the people who think @nebiusai was a Speculative AI play 💎 Nebius CEO Arkady with $GOOGL founders $NVDA $CRWV $IREN $CIFR $APLD $HUT #NVIDIAGTC #NVIDIA