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Figure Technology Solutions, Inc. Class A (FIGR)
NASDAQ:FIGR
Earnings Data
Report Date
Nov 12, 2026After Close (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
―Last Year’s EPS
0.34Same Quarter Last Year
Strong Buy
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized substantial top-line and margin momentum: marketplace volume grew 131% YoY, adjusted EBITDA rose ~426% YoY with margin expansion, Democratized Prime and YIELDS showed rapid adoption, and Figure Connect now represents a majority of volume. Strategic partnerships (Agora, Newtek), on-chain innovations (OPEN, YIELDS), and strong liquidity ($1.2B cash) support continued growth. Headwinds include a data security incident, mix-driven pressure on net take rates, one-time share-based expenses, and temporary balance-sheet timing as new product categories season and securitize. Overall, the positive operational and financial momentum materially outweighs the challenges noted on the call.Company Guidance
Strong Marketplace Volume Growth
Consumer loan marketplace volume reached $2.7B in Q4, up 131% year-over-year, driven by partner expansion (307 partners) and growth in newer product categories (SMB and DSCR).
Major Democratized Prime Acceleration
Matched offers on Democratized Prime expanded nearly 10x quarter-over-quarter (from ~$20M to >$200M); platform ended the quarter with a $206M balance and more than 1,000 active participants (nearly doubled since the start of the year).
Revenue and Profitability Expansion
Adjusted net revenue was $158M (+16% YoY). Adjusted EBITDA was $81.3M, up ~426% YoY, with adjusted EBITDA margin expanding to 51.6% (from 20.2% YoY). GAAP net income was $15M (9.4% margin vs 7% prior year).
Capital-Light Mix and Connect Traction
54% of marketplace volume transacted through Figure Connect (first time >50%); net take rate was 3.8% this quarter (up 40 bps YoY). Company continues to shift volume to capital-light channels to improve margin durability.
Product Expansion and Partner Wins
First-lien originations grew to ~19% of originations (from 12% a year ago). SMB partner-originated loans were >$46M in Q4 (double the prior period). Announced a strategic partnership with Newtek and a third-party auto finance partnership with Agora Data expected to bring tens of millions in near-term volume.
Stablecoin & On-chain Growth
YIELDS stablecoin adoption accelerated: CFO reported YIELDS in circulation at $328M at quarter end; CEO highlighted multi‑fold growth (company stated >20x since end of Q3 and described broader adoption across settlement/use cases).
Balance Sheet Strength & Capital Return
Cash and cash equivalents of approximately $1.2B at quarter end. Board authorized a $200M share repurchase program reflecting balance sheet confidence and financial flexibility.
Operational & Technology Advances
Launched Figure Connect (June 2024) scaled quickly; deployed AI initiatives including an AI customer service agent (≈75% chat containment) and AI-driven title and underwriting validation to reduce errors and increase standardization. Also launched OPEN, an on-chain equity marketplace with atomic settlement and programmable collateral features.
Figure Technology Solutions, Inc. Class A (FIGR) Earnings, Revenues Date & History
FIGR Earnings History
Report Date | Fiscal Quarter | Forecast / EPS | Last Year's EPS | EPS YoY Change | Press Release | Slides | Play Transcript |
|---|---|---|---|---|---|---|---|
Nov 12, 2026 | 2026 (Q3) | 0.34 | ― | ― | ― | ||
Feb 26, 2026 | 2025 (Q4) | ― | ― | ||||
Nov 13, 2025 | 2025 (Q3) | 0.03 | 1033.33% (+0.31) |
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FIGR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 26, 2026 | $34.04 | $25.28 | -25.73% |
Nov 13, 2025 | $34.59 | $40.24 | +16.33% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Figure Technology Solutions, Inc. Class A (FIGR) report earnings?
Figure Technology Solutions, Inc. Class A (FIGR) is schdueled to report earning on Nov 12, 2026, After Close (Confirmed).
What is Figure Technology Solutions, Inc. Class A (FIGR) earnings time?
Figure Technology Solutions, Inc. Class A (FIGR) earnings time is at Nov 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FIGR EPS forecast?
Currently, no data Available