Yahoo Finance SoFi valuation stands near 3.2x forward sales, below sector median, suggesting room for multiple expansion if earnings revisions turn positive. Anyone can use their rewards to request a statement credit on their account, but if you want to deposit it into a bank account, it has to be a SoFi Checking & Savings account— other rewards cards typically allow you to deposit your cash back into any U.S.-based checking account. SoFi offers student loan refinancing options with no origination fees, prepayment penalties, or late fees. It also offers private student loans with no fees and multiple repayment terms. Yahoo Finance SoFi financials reveal cash reserves sufficient to sustain growth initiatives, with potential to accelerate share price if net interest income rises.