FIGR
Figure Technology Solutions, Inc.38.69
+0.61+1.6%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Take rate dips on product mix shift
Q&A refined the net take rate outlook to 3.5%-4%, attributing the lower end to faster-than-expected mix shift toward shorter-duration auto loans and larger first-lien mortgages, but stressed superior unit economics from bigger tickets. Partner adds doubled in six months across IMBs, depositories, SMB, and non-QM channels, ramping in about three months—a leading indicator for 2026 volume acceleration. Management dismissed private credit jitters, noting firm buyer demand and flawless crypto-backed loan performance with zero losses. Buyers shrug off commercial noise. No major walk-backs; tone confident on marketplace scale. Investors track product mix and contribution margins above 80%.
Key Stats
Market Cap
8.28BP/E (TTM)
148.81Basic EPS (TTM)
0.26Dividend Yield
0%Recent Filings
8-K
Q4 volume up 131%, $200M buyback
Figure Technology Solutions crushed Q4 2025 with Consumer Loan Marketplace volume hitting $2.7B, up 131% year-over-year, fueled by $1.5B from Figure Connect. Net revenue soared 91% to $160M, Adjusted EBITDA rocketed 426% to $81M at 51.6% margin, while full-year net income surged 574% to $134M. Board greenlit $200M share repurchases through February 2027. Strong execution amid blockchain tailwinds.
8-K
Blockchain stock launched
Figure Technology Solutions filed a certificate of designation on February 12, 2026, creating Series A Blockchain Common Stock, convertible 1:1 into Class A Common Stock with equal dividend and liquidation rights but blockchain-based voting via wallets. On February 18, it closed a secondary offering of 4,687,500 Class A shares by selling stockholders and sold 4,375,000 Blockchain shares. New stock expands access. Risks tie to blockchain execution.
8-K
Strong preliminary Q4 results
Figure Technology Solutions released preliminary Q4 2025 results on February 13, 2026, showing Consumer Loan Marketplace volume at $2.7B, up 131% year-over-year. Net revenue hit $158M-$162M, with Adjusted EBITDA of $80M-$83M at 49.8%-53.4% margins. Full-year volume reached $8.4B, up 63%, driving $249M-$252M Adjusted EBITDA. Figures remain preliminary, subject to audit adjustments.
8-K
Q4 volume surges 131% Y/Y
Figure Technology Solutions reported preliminary Q4 2025 operating data, with Consumer Loan Marketplace Volume hitting $2,705M, up 10% Q/Q and 131% Y/Y. $YLDS in Circulation exploded to $328M from $21M last quarter, while Democratized Prime's Matched Offers Balance reached $206M. Data is preliminary, subject to final SEC filings. Risks include HELOC market fluctuations.
8-K
Q3 crushes: 70% volume surge
Figure Technology Solutions crushed Q3 2025 with consumer loan marketplace volume surging 70% YoY to $2.5B, net income rocketing 227% to $90M, and Adjusted EBITDA hitting $86M at 55% margin. Fresh off its September 12 IPO raising $663M net, blockchain lending scaled sharply. Momentum rolls into year-end.
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