Figure Technology Solutions (FIGR) Investor presentation summary

Financial performance highlights

• Q3'25 consumer loan marketplace volume reached $2.5B, up 70% YoY; Q4'25 volume was $2.7B, up 131% YoY.

• Adjusted net revenue for Q3'25 was $156.0M (+42% YoY); adjusted EBITDA was $86.4M (+75% YoY) with a 55.4% margin.

• Q4'25 saw $328M YLDS balance (~15x QoQ growth) and $206M democratized prime assets (~10x QoQ growth).

• Adjusted EBITDA margin improved to 55.4% in Q3'25 from 44.9% in the prior year.

Blockchain-driven marketplace innovation

• Consumer credit marketplace now features 246 TradFi partners, with asset origination in as little as 5 days and costs under $1K.

• DeFi and crypto marketplace launched in 2024, with institutional and retail funding across multiple blockchains.

• Equity marketplace is launching, enabling blockchain-native public equity issuance.

Efficiency and value from blockchain technology

• Blockchain reduces third-party review expenses by 80% and loan origination costs by over 93% versus industry averages.

• Enables real-time remittance, immutable default/prepayment rates, and 24/7 settlement.

• Democratized Prime offers lower financing costs and cross-collateralization.