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Figure is building the future of capital markets using blockchain-based technology. Figure’s proprietary technology powers next-generation lending, trading and investing activities in areas such as consumer credit and digital assets. Our application of the blockchain ledger allows us to better serve our end-customers, improve speed and efficiency, and enhance standardization and liquidity. Using our technology, we continue to develop dynamic, vertically-integrated marketplaces across the approximately $2 trillion consumer credit market and the rapidly growing approximately $3 trillion cryptocurrency and digital asset market. As a result, Figure has grown quickly in a capital-efficient manner since our founding, and more recently we have achieved strong and growing profitability, with net income of $134.3 million and Adjusted EBITDA of $251.2 million for the year ended December 31, 2025, compared to net income of $19.9 million and Adjusted EBITDA of $101.4 million for the year ended December 31, 2024, and accumulated deficit of $187.0 million and total stockholders’ equity of $1.2 billion as of December 31, 2025, compared to accumulated deficit of $320.9 million and total stockholders’ equity of $363.4 million, as of December 31, 2024. See the section titled “Non-GAAP Financial Measures” for information regarding our use of Adjusted Net Revenue and Adjusted EBITDA and a reconciliation of such Non-GAAP Financial Measures to our most directly comparable financial measures calculated and presented in accordance with accounting principles generally accepted in the United States (“GAAP”).
SEC Form 13F · quarter ended 2026-06-30
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