Dominick Gabriele, an Oppenheimer analyst, said that the shares of SoFi Technologies Inc. SOFI +1.98% reflect “much” of this positive news. This is because the company has the potential to increase its refinancing revenue. Gabriele points out that graduate student loans are the main focus of SoFi Technologies Inc., as these degrees cost more than associate and bachelor’s degrees. Gabriele noted that the company currently originates loans with a coupon weighted at 6.5%. Most people would think SOFI could only refinance loans that had interest rates higher than 6.5%. Graduate vintages are still at higher levels than these since 2013. Borrowers can also extend the terms for lower monthly payments. He believes the company will “continue to execute well”, but is looking for a better entry point into the stock. Gabriele gives the stock a perform rating.