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Figure Technology Solutions
Figure Technology Solutions (FIGR) investor relations material
Figure Technology Solutions Registration Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Registration Filing summary28 Jan, 2026
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.
Revenue is generated from technology and ecosystem fees, origination and servicing fees, and gain on sale of loans.
Provides both direct-to-consumer (Figure-branded) and partner-branded solutions, with 246 active partners as of September 30, 2025.
All loan and asset transactions are recorded on the Provenance Blockchain, supporting transparency and efficiency.
Financial performance and metrics
Net revenue for the nine months ended September 30, 2025 was $347 million, up from $257 million in the prior year period.
Net income for the nine months ended September 30, 2025 was $119 million, compared to $14 million in the prior year period.
Adjusted EBITDA for the nine months ended September 30, 2025 was $170 million, up from $86 million in the prior year period.
Total assets as of September 30, 2025 were $2.16 billion, with cash and equivalents of $1.1 billion.
HELOC originations comprised over 99% of total loan originations for the nine months ended September 30, 2025.
Ecosystem volume for the nine months ended September 30, 2025 was $6.04 billion, with $2.38 billion traded on Figure Connect since June 2024.
Use of proceeds and capital allocation
Proceeds from the blockchain stock offering will be used to purchase Class A common stock from underwriters; selling stockholders receive all proceeds.
Net proceeds from the September 2025 IPO ($663.4 million) are allocated for general corporate purposes, including working capital, operating expenses, and capital expenditures.
Detail Figure's HELOC cost advantage.
Explain impact if Figure's digital assets are securities.
How does the Guarantor Vehicle enhance Figure Connect?
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Next Figure Technology Solutions earnings date
Q4 202526 Feb, 2026
Figure Technology Solutions
Next Figure Technology Solutions earnings date
Q4 202526 Feb, 2026
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