Who mentions $UPST most on Surfaced?

@yasutaketin (シバイヌおやびん（投資系VTuber）) mentions $UPST most — 1 mention in the past 12 months.

When was $UPST first mentioned on Surfaced?

The earliest tracked mention of $UPST in the Surfaced archive was on Oct 10, 2025.

How many voices track $UPST?

6 FinTwit voices have mentioned $UPST 6 times in the past 12 months.

What kind of voices mention $UPST most?

$UPST is mentioned most by Long Research voices on Surfaced.

$UPST — FinTwit mentions on Surfaced

Recent mentions

6 mentions

@yasutaketinMay 13, 2026 · 7:52 AM

$SOFI や $UPST に見られるように、今は銘柄選択を失敗してはいけない相場。特に金融セクターは嫌われてる。どんな銘柄も上がっていける地合いの良さはない。 AI分野の業績主導だから。 https://t.co/JvGh2YNoZ1

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@ckcapitalxxJan 18, 2026 · 9:39 PM

$PGY is the most mispriced infrastructure play I’ve seen in years, and here’s why the market has it completely wrong. $PGY has processed $3.2 trillion in credit applications and powers lending for 31 partners including $USB, $SOFI, and Klarna with 100% retention—yet $PGY trades at 7x forward EBITDA while pure infrastructure like $V $MA $PYPL command 15-20x multiples. $PGY earns fees on $12B+ annual network volume while transferring 95-97% of credit risk to ABS investors, operating like $V for consumer lending, but the market prices $PGY as if it holds loans on balance sheet like $UPST. Recent KBRA data directly refutes bears on $PGY: 19 tranches upgraded, zero downgraded, with credit enhancement increasing as 2024 vintages perform 35-50% better than peak stress periods. $PGY’s pre-funded model eliminates $UPST’s gap risk—$5.5B in forward flow commitments are locked before loans exist, removing the funding cliff that killed $UPST in 2022. $PGY’s operating leverage is software-like with Core OpEx fixed at ~$190M while incremental EBITDA margins exceed 100%, meaning every $1B in volume drops $50M+ to the bottom line. With Q3 at $173M FRLPC (+53% YoY), three straight quarters of GAAP profit and raised guidance, $PGY’s 2026 EBITDA tracking $450M+, a conservative 14x multiple = $41+ fair value vs. $25 today. The market is pricing $PGY like a distressed subprime lender when it’s actually the fastest-growing infrastructure layer in consumer credit, and that disconnect won’t last. Shoutout @VantixResearch for help with the research!!

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@investmentguru_Jan 10, 2026 · 4:55 PM

Credit Card Interest Cap: Who’s at Risk? If the U.S. implements a 10% cap on credit card interest rates, as proposed, it could shake up the financial sector. Banks and fintech companies that rely heavily on high-interest credit card revenue could see profits take a big hit. Most Exposed Companies: • $JPM, $C, $BAC, $WFC, $COF – Traditional banks with large credit card portfolios. • $SOFI, $UPST, $AFRM – Fintech lenders and consumer finance platforms. • $ALLY, $SYF – Companies with private-label or co-branded credit cards. Potential Impact: •Reduced interest income and net margins. •Tighter lending standards for higher-risk borrowers. •Profit forecasts and stock valuations may face downward pressure.

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@moninvestorJan 7, 2026 · 12:28 AM

Top 10 most mentioned stocks: 1. $KRKNF (6) 2. $AUR (4) 3. $FUBO (3) 4. $HGRAF (3) 5. $OUST (3) 6. $RDW (3) 7. $POET (3) 8. $ONDS (3) 9. $ASTS (2) 10. $UPST (2) Thank you all for taking the time to respond. I’m looking forward to starting research on a few of them. 🧐

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@stocksavvyshayJan 1, 2026 · 3:29 PM

15 DIRECT BENEFICIARIES FROM AN AGGRESSIVE FED HEADING INTO 2026 Where Liquidity Shows Up Immediately 1. $UPST gains loan volume as banks loosen credit standards 2. $PGY sees AI-driven loan volume compound as easier money expands consumer credit 3. $HOOD captures higher trading activity as falling rates push retail liquidity back into risk assets 4. $COIN acts as the toll booth for crypto activity that historically accelerates during easing cycles 5. $SOFI benefits as cheaper funding accelerates lending, deposits & investing growth all under one roof 6. $OPEN benefits directly as mortgage rates fall & home transactions increase which improves inventory 7. $BMNR benefits as easier liquidity supports Ethereum accumulation & staking reinforcing its role as an emerging $ETH treasury with a path to network-scale yield. The Builders of the Infrastructure of Tomorrow 8. $EOSE builds grid-scale zinc storage where project economics live or die on financing assumptions 9. $IONQ benefits as lower rates support funding for long-term quantum research & hardware development 10. $OKLO benefits as reduced borrowing costs improve the economics of building & licensing small nuclear reactors 11. $ASTS turning space into a global cellular network & lower rates materially reduce the execution risk of deploying a planet-scale satellite constellation 12. $RKLB building an end-to-end space logistics platform where cheaper capital accelerates launch cadence, spacecraft manufacturing &mission backlog execution Large Physical Buildouts for AI Utility 13. $NBIS benefits as governments & enterprises fund capital-heavy AI data centers with cheaper financing 14. $IREN benefits as lower rates accelerate industrial-scale compute & power-dense infrastructure builds 15. $CIFR benefits as cheaper capital supports its role as a landlord of power-rich AI utility sites

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@hkuppyOct 10, 2025 · 8:07 PM

Looking at $AFRM and $UPST. Anyone hearing anything about the guacamole tranche of the early vintage burrito securitizations…?? 🤣🤣 https://t.co/bzVdwv4C6N

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