Calls
1
u/becky_af
Reddit r/stocks
Win Rate
100.0%
return
+15.6%
Ticker
Side
Mentions
First Call
Call Price
P&L
Thesis
Theme
Source
Short
Feb 05
$78.20
+15.6%
The author argues Carvana has shifted heavily toward subprime-like lending while keeping headline metrics looking prime, masking rising risk in its securitization-dependent model. Cited evidence includes 100% stated-income loans since 2021, a new sub-550 FICO cohort, LTVs jumping from 21% in 2021 to 92% in 2025 pools, and delinquency suppression via loan extensions. The thesis implies credit deterioration could eventually force losses or repricing, with the main risk being that headline metrics continue to hold up.
Retail & Mobility
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u/becky_af has 1 trade ideas tracked on Buzzberg across 1 tickers since February 2026. Most covered: CVNA.
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