Every 8-K that Figure Technology Solutions, Inc. (FIGR) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow FIGR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FIGR filings page.
Figure Technology Solutions, Inc. (FIGR) completed its previously announced acquisition of Kiavi, Inc. on September 1, 2026. Through a merger of a wholly owned subsidiary into Kiavi, Kiavi now operates as a wholly owned subsidiary of Figure.
Figure paid cash consideration of approximately $590 million, net of cash acquired, subject to customary adjustments for Kiavi’s cash, indebtedness, transaction expenses, and operating net working capital. The company primarily funded this with net proceeds from $600 million aggregate principal amount of 8.500% Senior Notes due 2031, which closed on July 14, 2026.
At closing, Figure repaid in full all outstanding obligations under Kiavi’s Third Amended and Restated Credit Agreement and terminated a Master Repurchase Agreement involving Kiavi Funding, Inc. and Kiavi Funding Trust 2, releasing all related liens. The company highlights forward-looking risks around integrating Kiavi, realizing anticipated synergies, regulatory compliance, and broader economic and market conditions.
Figure Technology Solutions, Inc. reported very strong results for the quarter ended June 30, 2026. Net revenue was $225.6 million, up 113% year-over-year, driven by ecosystem and technology fees, loan origination, and gains on loan sales and servicing. Net income rose 192% to $87.4 million, lifting net income margin to 38.8%, while Adjusted EBITDA increased 126% to $119.4 million with a 54.6% margin.
Consumer Loan Marketplace volume reached $4.3 billion, up 132% year-over-year, including $2.8 billion of Figure Connect volume, now 65% of total marketplace volume. Cash and cash equivalents were $1.4 billion as of June 30, 2026. Management highlighted strong partner growth, expanding tokenized-capital platforms such as Figure Connect and Democratized Prime, and guided Q3 2026 Consumer Loan Marketplace volume to $4.8–$5.2 billion.
Figure Technology Solutions, Inc. completed an offering of $600 million principal amount of 8.500% Senior Notes due 2031. The notes were issued under an Indenture dated July 14, 2026 and are fully and unconditionally guaranteed on a senior unsecured basis by certain domestic wholly owned subsidiaries.
The Notes bear interest at 8.500% per annum, payable semiannually on January 31 and July 31, beginning January 31, 2027, and mature on July 31, 2031. Prior to July 31, 2028, the company may redeem the Notes at 100% of principal plus a make-whole premium; it may also redeem up to 40% with equity offering proceeds, subject to conditions. Following a Change of Control, holders must be offered repurchase at 101% of principal plus accrued interest.
Figure Technology Solutions, Inc. reported strong preliminary operating data for June and Q2 2026, stating that select metrics exceeded the top end of its previously issued guidance ranges. Consumer Loan Marketplace Volume reached $1,519M in June 2026, up 8% month over month and 155% year over year. For Q2 2026, this volume was $4,259M, a 47% increase over Q1 2026 and up 132% from Q2 2025, highlighting rapid growth in originations and marketplace activity.
$YLDS in Circulation ended June 2026 at $556M. On the Democratized Prime platform, Matched Offers Balance was $392M, Borrower Demand was $414M, and Available Lender Supply was $522M, all showing sequential quarterly increases. Figure also launched a weekly operational tracking dashboard, updated every Tuesday after market close, to provide near-real-time transparency into these metrics.
Figure Technology Solutions, Inc. announced a private offering of $600 million aggregate principal amount of senior notes due 2031. The company plans to use the net proceeds to fund the cash consideration for its pending acquisition of Kiavi, Inc., for general corporate purposes, and to pay related fees and expenses. Completion of the notes offering is not conditioned on closing the Kiavi acquisition, so if that transaction does not occur, proceeds will be used for general corporate purposes. The notes will be guaranteed by certain domestic wholly owned subsidiaries and offered only to qualified institutional buyers under Rule 144A and to non-U.S. persons under Regulation S.
Figure Technology Solutions, Inc. has agreed to acquire Kiavi, Inc. through a cash merger. A wholly owned subsidiary of Figure will merge into Kiavi, which will become a wholly owned subsidiary of Figure if the deal closes.
At closing, Figure will pay Kiavi equityholders aggregate cash consideration of $532,426,000 million, subject to customary adjustments for cash, debt, expenses and working capital. The transaction depends on approvals from a supermajority of Kiavi equityholders, expiration or termination of the Hart-Scott-Rodino waiting period, required regulatory licenses, completion of a pre-closing restructuring and a related asset sale.
Figure has secured commitments for a $600 million, 364-day bridge loan facility from Bank of America and Barclays to help fund the merger and related costs, alongside potential capital markets transactions. The merger agreement includes mutual termination rights, an outside date of November 30, 2026, and a possible $25,000,000 termination fee payable by Figure to Kiavi under specified regulatory-licensing and asset-sale conditions.
Figure Technology Solutions, Inc. held its Annual Meeting of Stockholders on June 4, 2026, where a quorum was present. Shares outstanding and entitled to vote as of the April 9, 2026 record date included 690,250 shares of Blockchain common stock, 181,663,016 shares of Class A common stock and 37,893,047 shares of Class B common stock.
Stockholders elected eight directors to serve until the 2027 annual meeting, with votes for individual nominees ranging from 387,336,666 to 414,256,352, and broker non-votes of 37,365,647 for each director. They also ratified the appointment of KPMG LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026, with 454,618,693 votes for, 109,576 against and 577,493 abstentions.
Figure Technology Solutions, Inc. reported strong preliminary March and Q1 2026 operating data, highlighting rapid growth in its blockchain-native lending ecosystem. For March 2026, Consumer Loan Marketplace Volume reached $1,190 million, up 33% month over month and 102% year over year, showing sharply higher loan activity on its platforms.
For Q1 2026, Consumer Loan Marketplace Volume totaled $2,902 million, a 7% increase versus Q4 2025 and 113% above Q1 2025. $YLDS in Circulation ended Q1 at $598 million, up 83% quarter over quarter. On the Democratized Prime platform, Q1 2026 Matched Offers Balance was $368 million (up 79% versus Q4), Borrower Demand was $376 million (up 53%), and Available Lender Supply reached $453 million (up 112%). The company emphasized that these figures are unaudited, preliminary operating metrics used alongside GAAP results.
Figure Technology Solutions reported strong Q4 and full-year 2025 results and announced authorization for a $200 million share repurchase program. The company’s Consumer Loan Marketplace volume reached $2.7 billion in Q4 2025, up 131% year-over-year, while full-year 2025 volume rose to $8.4 billion, up 63%.
Q4 net revenue nearly doubled to $159.9 million, with Adjusted Net Revenue of $157.6 million, up 105.7% year-over-year. Net income for the quarter increased to $15.1 million, up 156%, and Adjusted EBITDA surged to $81.3 million, lifting Q4 Adjusted EBITDA margin to 51.6%.
For full-year 2025, net income climbed to $134.3 million from $19.9 million, with net income margin expanding to 26.5%. Adjusted EBITDA reached $251.2 million with a 48.8% margin. The company ended the period with $1.2 billion in cash and cash equivalents and continued to scale blockchain-native platforms like Figure Connect, Democratized Prime, and its $YLDS tokenized money market product.
Figure Technology Solutions, Inc. created a new Series A Blockchain Common Stock by filing a certificate of designation in Nevada. This blockchain-designated stock has the same dividend and liquidation rights as the company’s Class A common stock, carries one vote per share, and can be converted at any time into Class A common stock on a one-for-one basis. Holders can cast votes using wallets on the Provenance Blockchain, and the new series generally votes together with the existing common stock classes.
The company also completed capital markets transactions involving both traditional and blockchain shares. Selling stockholders completed a secondary offering of 4,687,500 Class A common shares, while the company offered and sold 4,375,000 shares of the new Blockchain Stock through underwriters. Both the Class A shares and the Blockchain Stock, as well as the Class A shares issuable upon conversion of the Blockchain Stock, are covered by effective registration statements on Form S-1.
Figure Technology Solutions reported strong preliminary, unaudited results for the fourth quarter and full year ended December 31, 2025. For Q4 2025, the company expects Consumer Loan Marketplace volume of $2.7 billion, up 131% year over year, net revenue of $158.0–$162.0 million, GAAP net income of $12.5–$13.5 million, and Adjusted EBITDA of $80.0–$83.0 million with margins near 50–53%.
For full-year 2025, Figure expects Consumer Loan Marketplace volume of $8.4 billion, up 63%, net revenue of $505.0–$509.0 million (versus $340.9 million in 2024), GAAP net income of $131.5–$132.5 million (versus $19.9 million), and Adjusted EBITDA of $249.0–$252.0 million (versus $101.4 million). Results rely on non-GAAP measures like Adjusted Net Revenue and Adjusted EBITDA, which exclude items including valuation changes in mortgage servicing rights, digital asset fair value changes, stock-based compensation, registration costs, and other adjustments. The company will discuss these results and its outlook on a webcast on February 26, 2026.
Figure Technology Solutions, Inc. filed an amendment to its current report to correct one metric previously shared in a press release about its results. The company revised the Matched Offers Balance for the quarter ended September 30, 2025, changing it from $38 million to $22 million.
Because of this correction, the reported quarter-over-quarter change in Matched Offers Balances from Q3 2025 to Q4 2025 was updated from 442% to 836%. No other figures or disclosures from the original current report or its exhibit were changed, and this amendment replaces the prior amendment in full.
Figure Technology Solutions, Inc. filed an amended current report to correct a single performance metric previously released for the quarter ended December 31, 2025. The company revised the Matched Offers Balance for the month ended November 30, 2025 from $38 million to $22 million. Because of this change, the reported quarter-over-quarter change in Matched Offers Balances from Q3 2025 to Q4 2025 was updated from 442% to 836%. No other figures or disclosures from the original report or its press release were changed.
Figure Technology Solutions, Inc. reported that it has issued a press release with certain financial results for the quarter ended December 31, 2025. The company furnished this press release as Exhibit 99.1 to a current report, allowing investors to access the detailed quarterly figures and commentary in that exhibit. The company also notes that the information in this report, including Exhibit 99.1, is furnished rather than filed, so it is not subject to Section 18 liability and is only incorporated into other documents if specifically referenced.
Figure Technology Solutions, Inc. furnished an 8-K announcing its financial results for the quarter ended September 30, 2025. The results were disclosed via a press release attached as Exhibit 99.1 and dated November 13, 2025.
The company stated the information in this report, including Exhibit 99.1, is being furnished and is not deemed filed under Section 18 of the Exchange Act. The Class A common stock trades on Nasdaq under the symbol FIGR.