Figure Stock Climbs As Preliminary Q4 Earnings Beat Forecasts And shares Offered

TLDR

• Figure expects Q4 revenue between $158M and $162M above estimates.
• Adjusted EBITDA projected at $80M to $83M in line with forecasts.
• Consumer loan marketplace volume rose 131% year over year.
• Company plans up to $30M stock repurchase alongside share sale.

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Shares of Figure Technology Solutions (FIGR) rose about 2% in early Friday trading to roughly $34.50. This followed the release of preliminary fourth-quarter results and the announcement of a secondary stock offering. The stock has largely returned to levels seen shortly after the company’s September 2025 IPO, when shares closed near $31 on the first trading day.

The company expects fourth-quarter revenue to reach between $158 million and $162 million, surpassing Wall Street’s $154 million estimate. Adjusted EBITDA is projected between $80 million and $83 million, roughly in line with analyst forecasts.

Strong Growth in Consumer Loan Marketplace

Figure reported that its consumer loan marketplace saw quarterly volumes rise 131% year over year. This growth has contributed to improved quarterly profitability and margins. Analysts noted that the onchain credit marketplace remains the main revenue driver for the company.

The platform also facilitates lending and borrowing of shares on blockchain infrastructure. Analysts said this could expand Figure’s addressable market over time. For now, the consumer loan marketplace continues to generate the majority of revenue.

Secondary Stock Offering and Buyback

The company announced a secondary stock offering on Thursday, allowing existing shareholders to sell up to 4.23 million shares to new investors. At the same time, Figure plans to repurchase up to $30 million of stock from underwriters using cash on hand.

Matthew Sigel, Head of Digital Asset Research at VanEck, described the buyback as “small but symbolic” support for the shares. The combination of a stock sale and repurchase aims to provide liquidity while supporting investor confidence.

Expansion in Blockchain Credit and Capital Markets

Figure has been expanding its blockchain-based credit and capital markets infrastructure. Analysts noted that new initiatives, such as the OPEN network, allow equities to be issued and traded directly on blockchain.

While these initiatives may generate new revenue streams in the future, they are not expected to materially affect near-term earnings. The company is scheduled to host an earnings call later this month to provide finalized fourth-quarter results and updated outlook

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