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SoFi Technologies (SOFI) Cost of Revenue (2020 - 2026)

SoFi Technologies has reported Cost of Revenue over the past 6 years, most recently at $161.6 million for Q4 2025.

  • For Q4 2025, Cost of Revenue rose 253.34% year-over-year to $161.6 million; the TTM value through Dec 2025 reached $723.3 million, up 95.25%, while the annual FY2025 figure was $609.0 million, 31.92% up from the prior year.
  • Cost of Revenue for Q4 2025 was $161.6 million at SoFi Technologies, roughly flat from $161.4 million in the prior quarter.
  • Over five years, Cost of Revenue peaked at $264.7 million in Q2 2025 and troughed at -$105.4 million in Q4 2024.
  • A 5-year average of $118.3 million and a median of $126.7 million in 2021 define the central range for Cost of Revenue.
  • Biggest five-year swings in Cost of Revenue: plummeted 201.4% in 2024 and later soared 253.34% in 2025.
  • Year by year, Cost of Revenue stood at $129.7 million in 2021, then skyrocketed by 33.92% to $173.7 million in 2022, then plummeted by 40.16% to $103.9 million in 2023, then plummeted by 201.4% to -$105.4 million in 2024, then soared by 253.34% to $161.6 million in 2025.
  • Business Quant data shows Cost of Revenue for SOFI at $161.6 million in Q4 2025, $161.4 million in Q3 2025, and $264.7 million in Q2 2025.