Jake

@TheLongInvest Not if ur selling puts 😏

So we are all agree It was a bad move for you to touch options and leverage

@derekquick1 It can go lower bear flag on the weekly, it is undervalued tho

$UNH UnitedHealth Group is on sale. Added more options at last year’s lows. Multiple catalysts ahead,Massive MA % earnings upside, Higher 2027 % vote for MA with coding tailwinds,buybacks,fraud reduction,AI,easing MCR%,Buffett adding? Either way Free cash flow over everything.

@marketswithmay When I read that at first I almost spit out of my coffee I chuckled so hard

$FICO... listen, not for nothing, but the increase was $4.95 to $10 per $FNM $FRE loan. The article says "Straining home buyers." Am I the only one who thinks the $10 pass through charge on my FICO score is NOT the thing breaking the bank for homebuyers and making it difficult to buy a house?

@StockMarketNerd This will end so great

OpenAI offering PE firms 17.5% (!) guaranteed returns while they remain a cash incinerator years away from making any money. Feels highly aggressive at the very least. Feels ponzi-esque & like an inevitable disaster at the very most. 🤷‍♂️

@derekquick1 Bear flag, but this price action is awful, long term it’s fine but can go lower imo

$UNH I have been wanting the $260s potentially $250s again to load up a bunch of shares so blame me lol.

$UNH UnitedHealth Group is at 2020 prices management says buybacks are attractive $12B authorized = 5% of the company, currently 83% locked by institutions. If smart money buys more 90% of the 904M shares will be locked up, this is how float gets squeezed before a rerate.

@StockMarketNerd Wait futures don’t impact fundamentals?

Was going to stare at Sunday night futures but then remembered that doing pretty much anything else would be a better use of my time

people got fired from their jobs for saying this about a podcaster

@QualityInvest5 Now look at $JD and then look at their chart too

$WIX market cap: $5B $WIX cash on hand: $1.2B $WIX free cash flow: $600M 1/3rd of the market cap is just cash + FCF Do what you want with that information...

@mahaaaay @AmericanAir The worst

never flying @AmericanAir ever again what a fucking joke

@siyul @muddywatersre See @Tim_Sweeney_TAR

Compared to a typical @muddywatersre short report, this $SoFi piece is relatively weak and insubstantial. (can elaborate more on this, but hold that thought) However, aside from chest-pumping BUY screenshots and belittling short-seller standard disclaimer (short covering), there is a lack of merit-based rebuttals on X or from SoFi. Why? (more interesting to me)

@mahaaaay Great take

my hot take is i love the keg. affordable, consistent, great service. i love the keg

This you?

So you hired someone you felt was weak on security to run your counterterrorism operation? Do you even HEAR yourself, bro?

@anthonynoto @Kenmegan44 @SoFi

@SoFi response.

@Flobert77324715 @realroseceline Finally something we can agree on

I read the Muddy Waters report on $SOFI, and the more I went through it, the less I cared about whether every single accusation is right or wrong. What stood out to me is something much simpler, and something I’ve have known and said all along. This business is difficult to understand. It’s not a normal company where you can follow a product or service and see cash come in. $SOFI is complex because it’s a balance sheet business. They make loans, sell some, keep some, and then use models to decide what everything is worth today. The profit is booked today,but the cash shows up later in the future, and that’s confusing. That’s really what the report is saying. When a business depends on assumptions like default rates, prepayments, and discount rates, small changes can move the numbers a lot in both directions. And you don’t really know if those assumptions were right until later. But usually by then it’s too late. I personally have a rule where I don’t invest in banks at all, no matter what. Which is funny because I once owned a very successful bank, $AX, and I still follow it. Maybe I’ll write about it one day because it’s actually a great story. At the end of the day, you don’t control your own costs in banking. The Federal Reserve does. Rates go up or down and your whole business changes overnight. It’s the same way oil controls energy companies. You can be doing everything right and still get hit. So when I look at $SOFI, I’m not trying to figure out if it’s fake. I’m asking a much simpler question. Do I actually understand this business? If the answer is not clearly yes, then it’s probably riskier than it looks. I don’t think $SOFI is fake. I just think it’s a lot harder to understand than people realize. 🌹

@WestMacro5 Lmao absolutely not, it’s total and complete fabricated garbage, do you think noto is stupid enough to have committed such simpleton fraud and while do so put a massive amount of his net worth at risk?

@hulljacob You think Noto’s sweating right now?

$sofi New short report My initial reactions is this is another guy trying to support his short thesiswith what is at best disingenuous attempt again at fair value calculations and is a rehash of prior arguments. It's a similar argument to what if..... if they sell pre default loans they have to take those losses into extent in the year of the sale... to take those losses and then apply it across the board to all loans in a fair value calculation would be a miss matching of defaults. And not accurate The fair value calculations determine default rates on the loans left between a borrower and a seller for the entire term of the loans so saying that losses on the loans sold (which are effectively termed out at a sale) should directly effect the fair value calculation of the remaining loans is simply not accurateand isn't relevant. Remember sofi still estinated default rates over the term of the loans of about 7% as I recall. Your intent to sell loans before they default does not change the default percentages used in a fair value calculation. This is because fair value is a market-based measurement, not an entity-specific one. This report is simply disingenuous

@Jake__Wujastyk LOL

$SOFI “Enron-esque” Right.

@TJTheWheelDeal And lack of understanding of their thesis

@TJTheWheelDeal Fear

I'm seeing a lot of whiny ass $sofi investors on my timeline, but not a lot of folks actually scooping up shares or leaps. If your investment thesis is still in tact, why are you mad about the opportunity to load the boat? I will die on this hill. I don't understand why investors get mad about better prices!