Sofi has proven to be an underestimated because of its high volatile markets. There is plenty of evidence of a huge jump happening between the final weeks leading up to earnings to a week after. The last time there was a 10.50 stock price in SOFI was the start of an explosion to $27. Like in my previous idea, there is much evidence of averages telling us that the market is going up. The fact that they just became a bank that is offering plenty of incentives to convert customers and they are a low-cost bank. They do not have buildings like regular banks. They are a totally online which means they will definitely have higher earnings in ratio to debt than their counter partners. LOOK FOR THE LEAP