One company is trying to pull off the rarest trick in fintech: grow fast and start behaving like a real bank at the same time.

If deposits keep climbing and credit stays under control, this setup can age well.

Let’s run the five names on the watchlist.

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Toast (TOST)

Catalyst: Restaurants keep digitizing, and Toast keeps selling the full stack

Toast is the behind-the-counter operating system. Payments, point of sale, scheduling, payroll, inventory, online ordering, it all lives in one place. The reason investors care is stickiness. Once a restaurant runs its entire day through Toast, ripping it out is painful. That creates a long runway to layer on more tools and gradually lift revenue per location.

The big question is whether the company can keep winning new locations without relying on discounts, while also proving it can scale profitably. Restaurants are not the easiest customer base, so when Toast is executing well, the market tends to reward it for building a durable platform, not just a payments business.

What to watch: Location adds, average revenue per location, gross margin trends, and operating discipline. If revenue per location keeps climbing, this starts acting more like a compounder.Text

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ON Semiconductor (ON)

Catalyst: Power and efficiency are the quiet winners in cars, industry, and data centers

ON is not the flashy chip story. It is the practical one. When the world wants more efficiency, better power management, and less wasted electricity, ON’s products show up everywhere. Cars are packed with electronics, factories are automating, and data centers are basically giant electricity converters with a business model attached.

The setup is whether demand holds steady enough for ON to keep protecting margins and improving mix. If the cycle cooperates, the stock tends to get credit for being a real-world semiconductor name with structural tailwinds, not just a momentum trade.

What to watch: Auto and industrial demand commentary, pricing discipline, and margin stability. If management talks steady demand without hand-waving, the market usually listens.

Unity Software (U)

Catalyst: A credibility rebuild with upside if execution stays boring in the best way

Unity has been through the kind of chapter that makes investors flinch. Strategy changes, pricing drama, and a general sense that the company needed to calm down and run like a grown-up. That is exactly what makes the setup interesting now. If Unity becomes predictable again, it can re-earn trust, and trust is basically a valuation multiplier.

This is not a story that needs a miracle. It needs consistency: stable growth, clear product direction, and margins that move in the right direction. If the company can do that for a few quarters in a row, the stock can stop trading like a cautionary tale.

What to watch: Revenue stabilization, customer sentiment, and operating margin progress. If guidance stops wobbling, the stock usually relaxes in a good way.

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*Results may not be typical and may vary from person to person. Making money trading digital currencies takes time and hard work. There are inherent risks involved with investing, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk.

Hims & Hers (HIMS)

Catalyst: Consumer healthcare that scales like e-commerce if unit economics hold

Hims is healthcare packaged like a modern subscription business. Clean onboarding, recurring revenue, direct fulfillment, and a product mix that keeps widening. The upside is simple: if customer acquisition stays efficient and retention stays strong, the model can scale nicely.

The market’s main anxiety is competition and marketing intensity. If customer acquisition costs jump, the story can get choppy fast because the stock often trades on momentum. But if the company keeps showing discipline and strong repeat behavior, the market tends to stay patient.

What to watch: Subscriber growth, marketing efficiency, gross margin, and retention signals. If repeat behavior holds up, the volatility usually becomes more tolerable.

SoFi Technologies (SOFI)

Catalyst: The glow-up from handy app to scaled, profitable financial platform

SoFi is in the middle of a vibe shift. It used to be a story about growth and ambition. Now it is trying to become a story about scale, consistency, and actual earnings power. The core pitch is simple: keep adding members, sell them more products, fund more of the balance sheet with low-cost deposits, and use that cheaper funding to widen margins without doing anything reckless. If you get all that at once, the market stops treating it like a speculative fintech and starts treating it like a compounding platform.

The fun part is that the product is already in a lot of people’s phones. This is not a cold-start problem. The next leg is execution: can SoFi keep pulling customers in while keeping credit clean and expenses disciplined. If it can, the operating leverage can sneak up on people. A few quarters of steady progress is usually enough for the market to re-rate the multiple, even if growth cools a bit.

The risk is the usual one: consumer credit and sentiment are not always polite. If delinquencies rise, or if management starts chasing growth at the expense of underwriting, the market will pull the leash quickly. SoFi is still earning trust, not living off it.

What to watch: Member growth, deposits and funding mix, credit performance, and contribution margin. If deposits rise while credit stays calm, the story usually gets a lot louder.

Final Word

This week’s tone is set by one name: a finance app trying to prove it can grow up into a real earnings engine. If deposits keep climbing and credit stays clean, the re-rating risk is to the upside. The rest of the list is a mix of sticky software, practical chips, a reputation rebuild, and a consumer health subscription that can keep running if unit economics behave. Pick your spots, keep position sizes honest, and let the next round of results confirm who is actually executing.

That’s all for today. Thank you for reading. If you have any feedback, please reply to this email.

Best Regards,

— Adam Garcia
Elite Trade Club

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