Form 8-K

8-K — Figure Technology Solutions, Inc.

Accession: 0001493152-26-032386

Filed: 2026-07-07

Period: 2026-07-07

CIK: 0002064124

SIC: 6163 (LOAN BROKERS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

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UNITED

STATES

SECURITIES

AND EXCHANGE COMMISSION

Washington,

D.C. 20549

FORM

8-K

CURRENT

REPORT

Pursuant

to Section 13 or 15(d)

the Securities Exchange Act of 1934

Date

of Report (Date of earliest event reported): July 7, 2026

Figure

Technology Solutions, Inc.

(Exact

name of registrant as specified in its charter)

Nevada

001-42829

99-2556408

incorporation)

(State

or other jurisdiction

File

Number)

(Commission

Identification

No.)

(IRS

Employer

100

West Liberty Street, Suite 600

Reno,

Nevada

89501

(Address

of principal executive offices)

(Zip

Code)

Registrant’s

telephone number, including area code: (917) 789-8049

Not

Applicable

(Former

name or former address, if changed since last report)

Check

the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under

any of the following provisions:

☐

Written

communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting

material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement

communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement

communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities

registered pursuant to Section 12(b) of the Act:

Title

of each class

Trading

Symbol

Name

of each exchange on which registered

Class

A Common Stock, par value $0.0001 per share

FIGR

The

Nasdaq Global Select Market

Indicate

by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405

of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☒

an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying

with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item

2.02 Results of Operations and Financial Condition.

July 7, 2026, Figure Technology Solutions, Inc. (the “Company”) issued a press release announcing certain preliminary operating

results for the quarter ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form

8-K.

The

information contained in this Current Report on Form 8-K (including Exhibit 99.1 hereto) shall not be deemed “filed” for

purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the

liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended,

or the Exchange Act, except as expressly set forth by specific reference in such a filing.

Item 9.01

Financial Statements and Exhibits.

(d)

The following Exhibit 99.1 relates to Item 2.02 and shall be deemed to be furnished, and not filed:

Exhibit

No.

Description

99.1

Press Release, dated July 7, 2026

104

Cover

Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant

to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its

behalf by the undersigned hereunto duly authorized.

FIGURE

TECHNOLOGY SOLUTIONS, INC.

Date:

July 7, 2026

By:

/s/

Michael Tannenbaum

Michael

Tannenbaum

Chief

Executive Officer and Director

EX-99.1

Filename: ex99-1.htm · Sequence: 2

Exhibit 99.1

FIGURE TECHNOLOGY SOLUTIONS

REPORTS PRELIMINARY JUNE & Q2 2026 OPERATING DATA

Launches Weekly Operational

Tracking Dashboard to Provide Near-Real-Time Transparency

NEW YORK, July 7, 2026 (GLOBE NEWSWIRE) — Figure

Technology Solutions, Inc. (Nasdaq: FIGR; OPEN: FGRS) (“Figure”), the leading blockchain-native capital marketplace for the

origination, funding, sale, and trading of tokenized assets, today reported select unaudited preliminary operating data for the month

ended June 30, 2026 that have exceeded the top end of the company’s previously issued guidance ranges.

This reporting period marks Figure’s

transition away from historical monthly disclosures toward near-real-time operational transparency. Comprehensive metrics are now hosted

on a dedicated weekly dashboard at https://figure.com/investors/metrics. Updated every Tuesday after market close, the

platform delivers direct visibility into origination volumes, funding metrics, and overall marketplace

activity.

Dollars in Millions

June

2026

May

2026

M/M

Change

June

2025

Y/Y

Change

Consumer Loan Marketplace Volume

$ 1,519

$ 1,402

8 %

$ 596

155 %

$YLDS In Circulation1

$ 556

$ 557

0 %

$ 4

n.m.

Democratized Prime2

Matched Offers Balance

$ 392

$ 385

2 %

$ 2

n.m.

Borrower Demand

$ 414

$ 412

1 %

$ 13

n.m.

Available Lender Supply

$ 522

$ 500

4 %

$ 5

n.m.

Dollars in Millions

2026

Q/Q

Change

2025

Y/Y

Change

Consumer Loan Marketplace Volume

$ 4,259

$ 2,902

47 %

$ 1,838

132 %

$YLDS In Circulation1

$ 556

$ 598

-7 %

$ 4

n.m.

Democratized Prime2

Matched Offers Balance

$ 392

$ 368

6 %

$ 2

n.m.

Borrower Demand

$ 414

$ 376

10 %

$ 13

n.m.

Available Lender Supply

$ 522

$ 453

15 %

$ 5

n.m.

1 $YLDS launched in February 2025

2 Democratized Prime launched in June 2025

About Certain Operating Metrics

In order to better help understand our financial performance,

we use several operating metrics, some of which are discussed below, to evaluate our business and results, measure performance, identify

trends, formulate plans, and make strategic decisions. Our determination and presentation of these metrics may differ from that of other

companies. The presentation of these metrics is meant to be considered in addition to, not as a substitute for or in isolation from, our

financial measures prepared in accordance with GAAP.

Consumer Loan Marketplace Volume: We define Consumer

Loan Marketplace Volume as the total U.S. dollar equivalent value of originations of HELOCs, DSCRs, and personal loans on our LOS, as

well as the volume of third-party loans traded on Figure Connect. We believe this measure is an indication of our scale and represents

the potential revenue opportunity from the technology used for consumer credit loan originations.

$YLDS in Circulation: We define $YLDS in Circulation

as the total U.S. dollar equivalent value of unsecured face-amount certificates solely backed by the assets of Figure Certificate Company

(FCC), which is the issuer of the certificates. This is reported as an end of period outstanding balance.

Matched Offers: We define Matched Offers as the U.S.

dollar equivalent value of offers matched between borrowers and lenders on the Democratized Prime platform. This is reported as an end

of period outstanding balance.

Borrower Demand: We define Borrower Demand as the

U.S. dollar equivalent value that borrowers seek to borrow from the lending pool on the Democratized Prime platform. This is reported

as an end of period outstanding balance.

Available Lender Supply: We define Lender Supply as

the U.S. dollar equivalent value that lenders have made available in the lending pool on the Democratized Prime platform. This is reported

as an end of period outstanding balance.

Financial Disclosure Advisory

The information in this release is unaudited and the

information for the months in the most recent fiscal quarter is preliminary, based on Figure’s estimates, and subject to completion

of financial closing procedures. Final results for the most recent fiscal quarter, as reported in Figure’s quarterly and annual

filings with the U.S. Securities and Exchange Commission (“SEC”), might vary from the information in this release. Figure

may at times make revisions to prior estimates to ensure consistency across comparable periods.

Forward Looking Statements Disclaimer

This press release contains forward-looking statements

intended to be covered by the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the

Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact contained in this press release,

including without limitation statements regarding our future financial performance, including our expectations regarding our operating

data. These statements involve known and unknown risks, uncertainties, and other important factors that may cause actual results to differ

materially from those expressed or implied by the forward-looking statements. In some cases, you can identify forward-looking statements

by terms such as “may,” “will,” “should,” “expect,” “plan,” “anticipate,”

“could,” “intend,” “target,” “project,” “contemplate,” “believe,”

“estimate,” “predict,” “potential,” or “continue,” or the negative of these terms, and

similar expressions. Forward-looking statements are predictions based largely on our current expectations and projections about future

events and financial trends that we believe may affect our business, financial condition, and results of operations. These statements

speak only as of the date of this press release.

Important factors that could cause actual results

to differ materially include, among others: our history of losses and the risk that we may not maintain profitability; our reliance on

HELOCs and exposure to fluctuations in the HELOC market and housing values; our ability to attract and retain borrowers, partners, and

loan purchasers and to drive adoption of Figure-branded and Partner-branded channels including Figure Connect; loan performance and default

rates and the effect of credit performance on access to and pricing of warehouse facilities, whole-loan sales, and securitizations; changes

in interest rates and U.S. monetary policy that impact originations, funding costs, and investor demand; legal and regulatory risks affecting

lending and mortgage-related activities and the evolving framework for digital assets, including potential changes in the characterization

or regulation of certain digital assets and related products; dependence on key third-party providers including cloud, custodial, valuation,

and data vendors and risks from outages or service disruptions; technology failures, cybersecurity incidents, or other operational disruptions;

protection and enforcement of intellectual property; compliance with licensing, consumer protection, privacy, data security, and sanctions/AML

laws, and shifting enforcement priorities at the federal and state levels; our ability to remediate previously identified material weaknesses

and meet our public company reporting and internal control obligations; competition; macroeconomic and geopolitical conditions; our dual-class

structure and concentrated voting control and related impacts on corporate governance; equity market volatility affecting our Class A

common stock; and the other risks described in “Risk Factors” in our Annual Report on Form 10-K for the period ended December

31, 2025, filed with the SEC on March 16, 2026, our Quarterly Report on Form 10-Q for the three months ended March 31, 2026, filed with

the SEC on May 15, 2026, and in our other filings with the SEC.

About Figure Technology Solutions, Inc

Figure is a blockchain-native capital

marketplace that seamlessly connects origination, funding, and secondary market activity. More than 380 partners use its loan origination

system and capital marketplace. Collectively, Figure and its partners have originated approximately $29 billion of home equity

to date, among other products, making Figure’s ecosystem the largest non-bank provider of HELOCs. The fastest growing components

are Figure Connect, its consumer credit marketplace, and Democratized Prime, Figure’s on-chain lend-borrow marketplace. Figure’s

ecosystem also includes DART (Digital Asset Registry Technology) for asset custody and lien perfection, and $YLDS, an SEC-registered

yield-bearing stablecoin that operates as a tokenized money market fund.

Figure is the market leader in real

world asset (RWA) tokenization. The company has received AAA ratings from S&P and Moody’s on multiple loan securitizations,

the first of its kind for blockchain finance. For more information, visit https://figure.com or follow Figure on LinkedIn.

News & Information Disclosure

Investors should note we may use

our website (https://www.figure.com/), our investor relations website (https://investors.figure.com/), our operating metrics website

(https://figure.com/investors/metrics) and the social media accounts of Figure, Figure Markets and/or Mike Cagney, our Co-Founder and

Executive Chairman, as a means of disclosing information and for complying with our disclosure obligations under Regulation FD. These

include X (@figure, @mcagney, @figuremarkets), LinkedIn (https://www.linkedin.com/company/figuretechnologies/, https://www.linkedin.com/in/mikecagney/),

Instagram (@figuretechnologies), Facebook (https://www.facebook.com/Figure/), and YouTube (@figuretechnologies). The information we post

through these channels may be deemed material. Investors should monitor these channels in addition to reviewing our press releases, SEC

filings, and public conference calls.

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