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Figure Technology Solutions (FIGR) investor relations material
Figure Technology Solutions IPO Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO Filing summary9 Sep, 2025
Company overview and business model
Operates a blockchain-based platform for lending, trading, and investing, focusing on consumer credit and digital assets.
Offers a proprietary loan origination system (LOS), a digital asset exchange, and a marketplace (Figure Connect) for loan trading.
Utilizes Provenance Blockchain for asset recording, with over $50B in cumulative transactions since 2018.
Revenue streams include technology and ecosystem fees, origination and servicing fees, and gain on sale of loans.
Expanded into interest-bearing stablecoins (YLDS) and DeFi lending via Democratized Prime.
Financial performance and metrics
Net income of $29M and Adjusted EBITDA of $83M for the six months ended June 30, 2025.
Net income of $20M and Adjusted EBITDA of $101M for the year ended December 31, 2024.
Net revenue grew from $210M in 2023 to $341M in 2024, a 63% increase.
Ecosystem volume reached $5.9B in 2024 and $3.5B in 1H 2025.
As of June 30, 2025, total assets were $1.27B, with $404M in stockholders' equity.
Average cost per loan was $730 in 2024, compared to an industry average of $11,230.
Use of proceeds and capital allocation
Estimated net proceeds of $519M (or $612M if underwriters exercise their option) at a $21/share IPO price.
Proceeds will be used for general corporate purposes, including working capital, operating expenses, and capital expenditures.
May use a portion for acquisitions or investments, but no current agreements exist.
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