Here are Thursday's biggest calls on Wall Street: Citi initiates Toast, Visa, Mastercard, Block and Affirm as buy Citi said it's bullish on a slew of fintech and payment names. "Initiate with Buy ratings on Visa , Mastercard , Block , Toast, Affirm , Global Payments, and Bill..." JPMorgan upgrades Lending Club to overweight from neutral JPMorgan said the stock is at inflection point. "We came away from the quarter more bullish on LC's profit outlook driven by strong loan buyer demand..." Rosenblatt reiterates Galaxy as buy The firm said it's sticking with its buy rating on the crypto company. "Against high expectations, Galaxy delivered a record quarter with much-higher net revenue amplified by significant gains." Deutsche Bank upgrading US Bancorp to buy from neutral Deutsche said it sees

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