Lending — Directly Attributable Expenses
SoFi Technologies, Inc. Lending — Directly Attributable Expenses increased by 14.9% to $246.90M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 42.4%, from $173.40M to $246.90M. Over 4 years (FY 2021 to FY 2025), Lending — Directly Attributable Expenses shows an upward trend with a 22.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
Rising costs relative to revenue indicate margin compression, while stable or falling costs relative to revenue suggest improved operational leverage.
Detailed definition
The sum of all operating expenses that can be specifically traced to the lending segment's activities. This provides a c...
Peer comparison
Comparable to direct segment operating expenses in banking and financial services.
sofi_segment_lending_directly_attributable_expensesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $83.04M | $97.81M | $102.97M | $111.72M | $108.69M | $116.40M | $106.13M | $115.19M | $138.93M | $138.53M | $120.43M | $117.60M | $141.11M | $152.96M | $176.83M | $173.40M | $202.09M | $219.81M | $214.81M | $246.90M |
| QoQ Change | — | +17.8% | +5.3% | +8.5% | -2.7% | +7.1% | -8.8% | +8.5% | +20.6% | -0.3% | -13.1% | -2.3% | +20.0% | +8.4% | +15.6% | -1.9% | +16.5% | +8.8% | -2.3% | +14.9% |
| YoY Change | — | — | — | — | +30.9% | +19.0% | +3.1% | +3.1% | +27.8% | +19.0% | +13.5% | +2.1% | +1.6% | +10.4% | +46.8% | +47.4% | +43.2% | +43.7% | +21.5% | +42.4% |
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Frequently Asked Questions
- What is SoFi Technologies, Inc.'s lending — directly attributable expenses?
- SoFi Technologies, Inc. (SOFI) reported lending — directly attributable expenses of $246.90M in Q1 2026.
- How has SoFi Technologies, Inc.'s lending — directly attributable expenses changed year-over-year?
- SoFi Technologies, Inc.'s lending — directly attributable expenses increased by 42.4% year-over-year, from $173.40M to $246.90M.
- What is the long-term trend for SoFi Technologies, Inc.'s lending — directly attributable expenses?
- Over 4 years (2021 to 2025), SoFi Technologies, Inc.'s lending — directly attributable expenses has grown at a 22.1% compound annual growth rate (CAGR), from $364.17M to $810.11M.
- What does lending — directly attributable expenses mean?
- The total operating costs directly related to running the lending business.