SoFi (Nasdaq: SOFI US) shares closed 13,4% higher on Monday, the most since March, after the consumer finance firm was initiated with an overweight rating and price target of $25 at Morgan Stanley. Expects the company’s user base to double in the next two years to about 5.3 million. Says that while “high earner, not rich yet” clients are a target for everyone, they are already SoFi’s core customers. SoFi shares are 47,8% higher for the year.