market commentary

Wouldn’t it be nice if we could rewind the clock one year and buy SoFi stock at around \$6 per share? Back then, signs of SoFi’s transformation into a profitable, growing fintech powerhouse were already visible. My co-host Julia and I decided to channel that energy into uncovering the **next SoFi**—a fintech gem with similar upside but still flying under the radar.

Over the past few years, I’ve been steadily adding **Hess Midstream** (ticker: HESM) to my portfolio. And let me tell you—this high-yield midstream oil and gas stock has been a surprise outperformer. I wish I had caught it earlier.

PepsiCo (ticker: PEP), the iconic parent of Pepsi, Gatorade, Lay’s, Doritos, and more, is trading at one of the steepest discounts in recent memory. The stock has fallen 33% from its all-time high and is down more than 20% just over the past year.

When it comes to investing, timing is everything—but not in the way most people think. It’s not about catching the stock price at its exact bottom. It’s about recognizing the trough of the earnings cycle and positioning yourself before the recovery takes hold. Case in point: what happened around the end of 2009.