Figure Technology Solutions (NASDAQ: FIGR) reported preliminary unaudited results for the fourth quarter and full year ended December 31, 2025, showing a revenue outlook of $158.0 to $162.0 million for Q4 and $505.0 to $509.0 million for the full year, both of which exceed consensus estimates of $154.0 million for the quarter and $508.9 million for the year.
The company’s Q4 revenue guidance represents a beat of roughly $4 million, or about 2.6%, over analyst expectations, driven primarily by a 131% year‑over‑year increase in Consumer Loan Marketplace volume. Full‑year guidance also surpasses expectations, reflecting a 63% jump in marketplace volume to an estimated $8.4 billion, which underpins the higher revenue forecast.
Adjusted EBITDA for Q4 is projected at $80.0 to $83.0 million, translating to a margin of 49.8% to 53.4%. Full‑year Adjusted EBITDA is expected to be $80.0 to $83.0 million as well, with margins of 48.1% to 49.2%. The margin expansion is largely attributable to a higher mix of high‑margin marketplace transactions and disciplined cost management amid growing volume.
CEO Michael Tannenbaum said the company is closing the year with strong momentum, citing triple‑digit growth in the Consumer Loan Marketplace, increased adoption of Figure Connect, and expanding activity within its blockchain ecosystem. He emphasized a continued focus on expanding the partner network, deepening marketplace liquidity, and advancing blockchain‑native infrastructure to sustain growth.
Shares of FIGR rose between 2% and 6% in early trading on February 13, 2026, reflecting investor enthusiasm for the revenue beat and the robust growth trajectory of the core marketplace segment.
The company will discuss the preliminary results in a conference call and webcast on February 26, 2026, where management will provide further detail on the drivers of performance and outlook for the remainder of the year.
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