Figure Earnings Report: 2025 Net Profit Soars 574% to $134 Million, Plans $200 Million Stock Buyback

According to official news, blockchain capital markets company Figure has released its financial report for the fourth quarter and full year of 2025. The company announced that its board of directors has authorized a $200 million stock repurchase plan. The report shows that Q4 consumer loan origination volume reached $2.7 billion, a 131% year-over-year increase; of this, volume on the Figure Connect platform was $1.5 billion, up from $1.1 billion in Q3. Net revenue grew 91% year-over-year, with adjusted net revenue reaching $158 million, a 106% increase. Net income rose to $15 million, up 156% year-over-year; the net income margin reached 9.4%, an improvement of 2 percentage points. Adjusted EBITDA reached $81 million, a 426% year-over-year increase; the adjusted EBITDA margin was 51.6%, improving by 31 percentage points. As of quarter-end, cash and cash equivalents (excluding restricted cash and stablecoins) stood at $1.2 billion, and loans held for sale were $404 million.

For the full year 2025, total consumer loan origination volume was $8.4 billion, a 63% year-over-year increase; of this, Figure Connect volume was $3.8 billion. Net revenue grew 49% year-over-year, with adjusted net revenue reaching $515 million, a 52% increase. Full-year net income was $134 million, a 574% year-over-year surge; the net income margin reached 26.5%, improving by 21 percentage points. Adjusted EBITDA was $251 million, a 148% year-over-year increase; the adjusted EBITDA margin was 48.8%, improving by 19 percentage points.