Core Viewpoint - Retail investors can find opportunities in smaller companies that are often overlooked by larger institutional investors, particularly those with market capitalizations under $8 billion, which allows for less competition and manipulation in the market [1][2][3]. Group 1: Albemarle Co. (NYSE: ALB) - Albemarle is currently valued at $7 billion, making it less attractive to larger funds, despite its potential for growth [5]. - The stock has a 12-month price forecast of $91.62, indicating a potential upside of 54.17% from its current price of $59.43 [4]. - Analysts predict a significant increase in earnings per share (EPS) to $2.97 by Q3 2025, up from a current net loss of $0.18 per share, driven by rising oil prices [6][7]. Group 2: Upstart Holdings Inc. (NASDAQ: UPST) - Upstart, valued at $5 billion, is positioned to benefit from the current economic climate, helping consumers manage credit amidst inflation [9]. - The stock has a 12-month price forecast of $66.96, suggesting a 13.34% upside from its current price of $59.08 [9]. - Analysts have set a price target of $70 per share, indicating a potential rally of up to 32% from current levels [11]. Group 3: NIO Inc. (NYSE: NIO) - NIO, a $7.2 billion company, is currently out of favor in the market, providing an opportunity for investors to accumulate shares before a potential recovery [12][13]. - The stock has a 12-month price forecast of $4.74, representing a 38.48% upside from its current price of $3.43 [12]. - NIO's recent high double-digit growth rates in net car deliveries position it favorably, with the market willing to pay a premium price-to-book (P/B) multiple of 8.6x compared to the auto sector's average of 1.9x [13].