---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-26-046036"
form_type: "8-K"
ticker: "FIGR"
cik: "0002064124"
company_name: "Figure Technology Solutions, Inc."
filed_at: "2026-10-06T23:59:06+00:00"
generated_at: "2026-10-12T16:04:07.348167+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Figure Technology Q3 consumer loan volume $5.1B, up 107% YoY, hits high end of guidance

## Summary
- Q3 2026 Consumer Loan Marketplace Volume $5,119M, up 107% YoY and 20% Q/Q; September volume $1,783M rose 104% YoY and 9% M/M.
- Q3 volume came in at the high end of the previously issued guidance range of $4.8B-$5.2B, excluding Kiavi originations after the Sept 1, 2026 merger close.
- $YLDS in circulation $504M at Sept 30, up 13% M/M from $446M but down 9% Q/Q from $556M; $YLDS launched February 2025.
- Democratized Prime Q3 matched offers balance $588M (+50% Q/Q), borrower demand $600M (+45%), available lender supply $825M (+58%).
- Kiavi volumes for the roughly one month post-merger will be included with Figure's Q3 financial results, to be released in November.

## SEC filing metadata
- accession: 0001493152-26-046036
- form_type: 8-K
- ticker: FIGR
- cik: 0002064124
- company_name: Figure Technology Solutions, Inc.
- filed_at: 2026-10-06T23:59:06+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2064124/000149315226046036/0001493152-26-046036-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2064124/000149315226046036/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-046036
- JSON: https://secwatch.observer/filing/0001493152-26-046036.json
- Plain text: https://secwatch.observer/filing/0001493152-26-046036.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.