Kevin Hart's Ferrari SF90 Spider: Paid ~$690,000. Lost $240,000. Here's Why.

In late 2021, Kevin Hart became the first person in the United States to take delivery of the Ferrari SF90 Spider. The open-top version of Ferrari's flagship plug-in hybrid supercar. Finished in black with yellow brake calipers and yellow interior accents. The SF90 Spider starts at $558,000. With options factoring in at roughly 20%, the total comes to approximately $690,000. Kevin Hart was, by any measure, spending serious money on a serious car.

Today, that same car is worth approximately $450,000. A loss of $240,000 and that is before adjusting for inflation. Factor in the cost of money over four years and the loss becomes even more stark.

The SF90 depreciation story is not unique to Kevin Hart's example. It is the rule for this car. A nearly new SF90 Spider with just 185 miles on the clock sold for $579,000 after its first owner paid $704,250 a loss of $125,000 in essentially zero ownership time. A 2022 SF90 Stradale recently sold for $485,000 against an original sticker of $763,295 a loss of $278,295 in three years, on a car with only 1,600 miles. The market is consistent: the SF90 loses money, reliably, across all variants and specifications.

The reasons are structural, not a matter of quality. The SF90 is an extraordinary machine 986 horsepower from a twin-turbocharged V8 hybrid system, 0–60 in 2.5 seconds, a car that Ferrari's own test driver confirmed was faster around Fiorano than almost anything in the company's history. But it was produced in significant volume. It is a complex hybrid with technology that will be superseded. And Ferrari has now replaced it with the 849 Testarossa, which makes 1,036 horsepower from an updated version of the same powertrain. Every SF90 in existence is now a previous-generation car.

That is what depreciation looks like when it arrives on a car that cost nearly three quarters of a million dollars. Not a gentle drift. A $240,000 loss in four years before running costs. Before insurance. Before servicing. Before the cost of the money tied up in a depreciating asset.

Don't let this happen to you. There are cars at every price point that hold their value, that appreciate, and that offer everything the SF90 offers in terms of the ownership experience without destroying capital while you enjoy them. Finding them requires knowledge, not luck.

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