Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets.

• CEO Statement- We closed the year with strong Q4 performance, delivering triple-digit growth in Consumer Loan Marketplace volume and rising adoption of Figure Connect. Our expanding blockchain ecosystem highlights the scalability of our platform.

• Looking ahead, we aim to grow our partner network, strengthen marketplace liquidity, and advance blockchain-native infrastructure. Strong results reflect industry tailwinds and disciplined execution as we modernize capital markets.

• Consumer Loan Marketplace volume reached $2.7 billion in the quarter, representing 131% year-over-year growth. This included $1.5 billion from Figure Connect, rising from $1.1 billion in Q3 2025 after the platform launched in June 2024.

• Net revenue grew 91% year-over-year, while Adjusted Net Revenue reached $158 million, increasing 106% compared with Q4 2024. The Figure Connect model captures lower revenue per unit but delivers stronger Adjusted EBITDA margins.

• Net income climbed 156% year-over-year to $15 million during the quarter. Net income margin improved to 9.4%, representing a two-percentage-point increase compared with the same period in the previous year.

• Adjusted EBITDA surged 426% year-over-year to $81 million in the quarter. Adjusted EBITDA margin reached 51.6%, reflecting a strong 31-percentage-point improvement compared with the same quarter of the previous year.