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Figure Technology Solutions (FIGR) Q3 FY2026 earnings: revenue $287 million, up 83.6% on the year

Figure Technology Solutions, Inc. (FIGR) announced its results for Q3 FY2026, the quarter ended 30 September 2026, on 12 November 2026. Revenue was $287 million, up 83.6% on the same quarter a year earlier. Net income was $89 million, down 0.3% on the year, and diluted earnings per share $0.36. The figures are from the company's earnings press release; the 10-Q with the full statements is not filed yet, and this page fills in when it is.

Revenue
$287 million
+83.6% on the year · +27.3% on the quarter
Q3 FY2024Q3 FY2026
Net income
$89 million
-0.3% on the year · +2.1% on the quarter
Q3 FY2024Q3 FY2026
Diluted EPS
$0.36
+5.9% on the year · +2.9% on the quarter
Q3 FY2024Q3 FY2026

this quarterthe same quarter a year earlierHover a bar for its figure.

What management said

Guidance figures: 2 new.

  • Net revenue rose 84% year-over-year: Net revenue was $287 million in the quarter, up 84%. Adjusted net revenue was $283 million, up 83% from the third quarter of 2025.
  • Adjusted EBITDA up 91%: Adjusted EBITDA was $164 million, up 91%. Adjusted EBITDA margin was 58%, up 3 percentage points.
  • Loan volume more than doubled: Loan Marketplace Volume was $5.8 billion, up 135%. The figure includes $677 million from Kiavi, acquired effective September 1.
Read the earnings call summary

The quarter, against the one before and a year earlier

LineQ3 FY2026Q2 FY2026Q3 FY2025Change on the year
Revenue287226156+83.6%
Net income89.387.489.6-0.3%
Diluted EPS$0.36$0.35$0.34+5.9%
$ million except per share.
Read moreQ3 FY2026 is from the company's press release of 12 November 2026; the other columns are from its 10-Q and 10-K filings. A release figure is shown when the release's own figure for an earlier quarter matches the filed one, so the line and its units are read right.

Quarterly results, the last 7 quarters filed

Q3 FY2024Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue10184.5106156160167226
R&D16.117.416.015.915.615.615.6
Operating income26.18.127.752.729.041.977.7
Operating margin26%10%26%34%18%25%34%
Pre-tax income28.70.633.458.421.338.183.0
Tax rate4%199%10%-54%29%-18%-5%
Net income27.3-0.829.989.615.244.987.4
Net margin27%-1%28%57%9%27%39%
Diluted EPS$0.09-$0.01$0.08$0.34$0.06$0.18$0.35
Operating cash flown/a-140216-26.813.3-37.8-35.2
Buybacksn/a0.00.0n/an/a9.70.0
Shares outstandingn/an/an/a214m216m221m224m
Filing10-Q10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Earnings press release for the quarter ended 30 September 2026, filed with the SEC on 12 November 2026 with a Form 8-K: the release.