With student loan payments due again, SoFi Technologies (SOFI) could see upside. “When you don’t have to pay, you’re not going to refinance,” Jefferies analyst John Hecht, who rates the stock at Buy, told Barron’s. As payments resume “there will be a resetting of demand,” he added.

Oppenheimer analysts also argue that loan refinancing could give the company a “profitability boost” and another layer of… revenue growth insulation.”

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Better, after a recent pullback from about $9 to $7.50, the stock appears to have bottomed out and is just starting to pivot higher. From its current price of $7.99, we’d like to see the stock again challenge $9 a share, and eventually $11.50.

Sincerely,

Ian Cooper