FIGURE TECHNOLOGY SOLUTIONS, INC. (FIGR) FY2026 YTD Q2 Statement of Cash Flows

Income StatementCash FlowBalance Sheet

Statement of Cash Flows

2026-01-01 to 2026-06-30

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FIGURE TECHNOLOGY SOLUTIONS, INC. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026One connected Sankey reconciles operating, investing and financing net cash flows through a shared cash pool, from beginning cash to ending cash. Ribbons flow left to right on one dollar scale. Activity totals are dark gray; beginning and ending cash are blue. Cash basis for beginning and ending balances and net cash change: Cash, cash equivalents, and restricted cash. Intermediate calculation bars are lighter gray. Net income is green for profit and red for loss. Identified asset purchases, sales and maturities are blue in either cash direction. Purple identifies capital transactions such as borrowing, repayments, share issuance and dividends. Read chart description and values below for full signed amounts, including zero items.Proceeds from debt - Nonrelated Party → financing reconciliation: $4,625,607,000.00Proceeds from debt - Related Party → financing reconciliation: $283,390,000.00Proceeds from servicing activity on behalf of third-party loan owners → financing reconciliation: $121,502,000.00Proceeds from exercises of stock options and warrants → financing reconciliation: $23,752,000.00Other financing activities → financing reconciliation: $201,000.00financing reconciliation → Net cash from financing activities: $414,850,000.00financing reconciliation → Principal payments on debt - Nonrelated Party: $4,429,043,000.00financing reconciliation → Principal payments on debt - Related Party: $168,693,000.00financing reconciliation → Taxes paid related to net share settlement of equity awards: $18,075,000.00financing reconciliation → Net changes in customer deposit liabilities: $11,774,000.00financing reconciliation → Common stock repurchase: $9,700,000.00financing reconciliation → Payments of deferred financing costs: $2,317,000.00Partner prefunding repayment → investing reconciliation: $44,034,000.00Principal payments on marketable securities → investing reconciliation: $36,613,000.00Realized gains (losses) on futures → investing reconciliation: $7,273,000.00Proceeds from sale of equity method investments → investing reconciliation: $5,984,000.00Proceeds from sales of digital assets → investing reconciliation: $2,692,000.00Other investing activities → investing reconciliation: $316,000.00investing reconciliation → Purchases of marketable securities: $127,993,000.00investing reconciliation → Partner prefunding: $13,034,000.00investing reconciliation → Capitalization of internally developed software costs: $12,673,000.00investing reconciliation → Deconsolidation of subsidiary: $11,737,000.00investing reconciliation → Investment contributions: $4,040,000.00investing reconciliation → Purchases of digital assets: $2,696,000.00Net cash used in operating activities → operating reconciliation: $72,969,000.00Net income (loss) → operating reconciliation: $132,483,000.00Proceeds from loan sales, net of repurchases → operating reconciliation: $4,638,228,000.00Principal payments on loans held for sale → operating reconciliation: $389,014,000.00Stock-based compensation expense, net of capitalization → operating reconciliation: $51,976,000.00Accounts payable and other liabilities → operating reconciliation: $42,016,000.00Interest expense paid in YLDS → operating reconciliation: $20,047,000.00Amortization of internally developed software → operating reconciliation: $8,981,000.00Change in fair value of marketable securities → operating reconciliation: $4,839,000.00Loss on digital assets, net → operating reconciliation: $4,475,000.00Losses on repurchased loans → operating reconciliation: $1,597,000.00Other non-cash adjustments → operating reconciliation: $931,000.00Amortization of deferred financing costs → operating reconciliation: $801,000.00Loss from fund and equity method investments → operating reconciliation: $533,000.00operating reconciliation → Originations of loans held for sale: $2,686,831,000.00operating reconciliation → Purchases of loans held for sale: $2,432,718,000.00operating reconciliation → Gain on sale of loans, net: $106,928,000.00operating reconciliation → Gain on servicing asset, net: $41,960,000.00operating reconciliation → Accounts receivable, net: $37,858,000.00operating reconciliation → Deferred income taxes, net: $30,786,000.00operating reconciliation → Other assets: $25,875,000.00operating reconciliation → Gain on sale of equity method investments: $5,934,000.00Net cash used in investing activities → investing reconciliation: $75,261,000.00Beginning cash: Cash, cash equivalents, and restricted cash → Cash sources and uses: $1,266,778,000.00Net cash from financing activities → Cash sources and uses: $414,850,000.00Cash sources and uses → Ending cash: Cash, cash equivalents, and restricted cash: $1,533,398,000.00Cash sources and uses → Net cash used in investing activities: $75,261,000.00Cash sources and uses → Net cash used in operating activities: $72,969,000.00Net income (loss): $132,483,000.00Net income (loss)+$132.48 MGain on servicing asset, net: -$41,960,000.00Gain on servicing asset, net−$41.96 MGain on sale of loans, net: -$106,928,000.00Loan sale gain & loss−$106.93 MGain on sale of equity method investments: -$5,934,000.00Equity-method sale gain & loss−$5.93 MLoss from fund and equity method investments: $533,000.00Equity-method results+$533.00 KAmortization of deferred financing costs: $801,000.00Debt issuance cost amortization+$801.00 KAmortization of internally developed software: $8,981,000.00Intangible amortization+$8.98 MServices exchanged for issuance of warrants: $0.00Stock-based compensation expense, net of capitalization: $51,976,000.00Stock-based compensation+$51.98 MLosses on repurchased loans: $1,597,000.00Losses on repurchased loans+$1.60 MProceeds from loan sales, net of repurchases: $4,638,228,000.00Loan sales, net of repurchases+$4.64 BOriginations of loans held for sale: -$2,686,831,000.00Loan originations for sale−$2.69 BPurchases of loans held for sale: -$2,432,718,000.00Purchases of loans held for sale−$2.43 BAccounts receivable, net: -$37,858,000.00Accounts receivable−$37.86 MOther assets: -$25,875,000.00Other current assets−$25.88 MAccounts payable and other liabilities: $42,016,000.00Payables & other liabilities+$42.02 MPrincipal payments on loans held for sale: $389,014,000.00Loans held for sale repaid+$389.01 MChange in fair value of marketable securities: $4,839,000.00Marketable securities fair value+$4.84 MDeferred income taxes, net: -$30,786,000.00Deferred tax balances−$30.79 MOther non-cash adjustments: $931,000.00Other non-cash items+$931.00 KLoss on digital assets, net: $4,475,000.00Digital asset gain & loss+$4.48 MInterest expense paid in YLDS: $20,047,000.00Interest expense paid in YLDS+$20.05 MNet cash used in operating activities: -$72,969,000.00. Cash required to fund net payments.Operating cash−$72.97 Moperating reconciliation: $5,368,890,000.00Proceeds from debt - Nonrelated Party: $4,625,607,000.00Debt issued: nonrelated party+$4.63 BProceeds from debt - Related Party: $283,390,000.00Debt issued: related party+$283.39 MPrincipal payments on debt - Nonrelated Party: -$4,429,043,000.00Debt repaid: nonrelated party−$4.43 BPrincipal payments on debt - Related Party: -$168,693,000.00Debt repaid: related party−$168.69 MPayments of deferred financing costs: -$2,317,000.00Financing costs paid−$2.32 MProceeds from servicing activity on behalf of third-party loan owners: $121,502,000.00Third-party servicing proceeds+$121.50 MCommon stock repurchase: -$9,700,000.00Common stock repurchases−$9.70 MProceeds from exercises of stock options and warrants: $23,752,000.00Stock option exercises+$23.75 MOther financing activities: $201,000.00Other financing, net+$201.00 KTaxes paid related to net share settlement of equity awards: -$18,075,000.00Stock-award tax withholding−$18.08 MNet changes in customer deposit liabilities: -$11,774,000.00Customer deposits, net−$11.77 MNet cash from financing activities: $414,850,000.00Financing cash+$414.85 Mfinancing reconciliation: $5,054,452,000.00Capitalization of internally developed software costs: -$12,673,000.00Software development costs−$12.67 MOther investing activities: $316,000.00Other investing, net+$316.00 KInvestment contributions: -$4,040,000.00Joint venture investments−$4.04 MPurchases of digital assets: -$2,696,000.00Digital asset purchases−$2.70 MProceeds from sales of digital assets: $2,692,000.00Digital asset sales+$2.69 MPurchases of marketable securities: -$127,993,000.00Marketable securities purchases−$127.99 MPrincipal payments on marketable securities: $36,613,000.00Marketable securities repaid+$36.61 MDeconsolidation of subsidiary: -$11,737,000.00Business sales, net of cash−$11.74 MPartner prefunding: -$13,034,000.00Partner prefunding−$13.03 MPartner prefunding repayment: $44,034,000.00Partner prefunding repayment+$44.03 MRealized gains (losses) on futures: $7,273,000.00Derivatives, net+$7.27 MProceeds from sale of equity method investments: $5,984,000.00Equity-method investment sales+$5.98 MNet cash used in investing activities: -$75,261,000.00. Cash required to fund net payments.Investing cash−$75.26 Minvesting reconciliation: $172,173,000.00Cash sources and uses: $1,681,628,000.00Beginning cash: Cash, cash equivalents, and restricted cash: $1,266,778,000.00Beginning cash$1.27 BEnding cash: Cash, cash equivalents, and restricted cash: $1,533,398,000.00Ending cash$1.53 BCASH RECONCILIATIONFinancingflowsInvestingflowsOperatingflowsFree cash flowNot availableCash flow / Net income−0.55×Operating cash flow ÷ net incomeNet cash change+$266.62 MEnding cash − beginning cash
Chart details

FIGURE TECHNOLOGY SOLUTIONS, INC. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026

Cash flows for Jan 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Dec 31, 2025. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

Beginning cash on Dec 31, 2025
1,266,778,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
Operating activities
negative 72,969,000 US dollars. Net cash used.
Net income (loss)
132,483,000 US dollars
Gain on servicing asset, net
negative 41,960,000 US dollars
Gain on sale of loans, net
negative 106,928,000 US dollars
Gain on sale of equity method investments
negative 5,934,000 US dollars
Loss from fund and equity method investments
533,000 US dollars
Amortization of deferred financing costs
801,000 US dollars
Amortization of internally developed software
8,981,000 US dollars
Services exchanged for issuance of warrants
0 US dollars
Stock-based compensation expense, net of capitalization
51,976,000 US dollars
Losses on repurchased loans
1,597,000 US dollars
Proceeds from loan sales, net of repurchases
4,638,228,000 US dollars
Originations of loans held for sale
negative 2,686,831,000 US dollars
Purchases of loans held for sale
negative 2,432,718,000 US dollars
Accounts receivable, net
negative 37,858,000 US dollars
Other assets
negative 25,875,000 US dollars
Accounts payable and other liabilities
42,016,000 US dollars
Principal payments on loans held for sale
389,014,000 US dollars
Change in fair value of marketable securities
4,839,000 US dollars
Deferred income taxes, net
negative 30,786,000 US dollars
Other non-cash adjustments
931,000 US dollars
Loss on digital assets, net
4,475,000 US dollars
Interest expense paid in YLDS
20,047,000 US dollars
Investing activities
negative 75,261,000 US dollars. Net cash used.
Capitalization of internally developed software costs
negative 12,673,000 US dollars
Other investing activities
316,000 US dollars
Investment contributions
negative 4,040,000 US dollars
Purchases of digital assets
negative 2,696,000 US dollars
Proceeds from sales of digital assets
2,692,000 US dollars
Purchases of marketable securities
negative 127,993,000 US dollars
Principal payments on marketable securities
36,613,000 US dollars
Deconsolidation of subsidiary
negative 11,737,000 US dollars
Partner prefunding
negative 13,034,000 US dollars
Partner prefunding repayment
44,034,000 US dollars
Realized gains (losses) on futures
7,273,000 US dollars
Proceeds from sale of equity method investments
5,984,000 US dollars
Financing activities
414,850,000 US dollars. Net cash provided.
Proceeds from debt - Nonrelated Party
4,625,607,000 US dollars
Proceeds from debt - Related Party
283,390,000 US dollars
Principal payments on debt - Nonrelated Party
negative 4,429,043,000 US dollars
Principal payments on debt - Related Party
negative 168,693,000 US dollars
Payments of deferred financing costs
negative 2,317,000 US dollars
Proceeds from servicing activity on behalf of third-party loan owners
121,502,000 US dollars
Common stock repurchase
negative 9,700,000 US dollars
Proceeds from exercises of stock options and warrants
23,752,000 US dollars
Other financing activities
201,000 US dollars
Taxes paid related to net share settlement of equity awards
negative 18,075,000 US dollars
Net changes in customer deposit liabilities
negative 11,774,000 US dollars
Operating adjustment reconciliation
5,368,890,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
financing gross reconciliation
5,054,452,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
investing gross reconciliation
172,173,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
Exchange-rate effect
0 US dollars
Ending cash on Jun 30, 2026
1,533,398,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
Cash sources and uses
1,681,628,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
Net cash change
266,620,000 US dollars. Ending cash minus beginning cash.
Cash flow / Net income
−0.55×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.

Chart connections

  • Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
  • Financing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Investing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Operating reconciliation adjustments are not all independent cash receipts.
  • Net income or operating cash is negative. The full signed reconciliation is retained: losses remain deductions, and any negative operating-cash total enters the junction from the cash pool. No positive direct-income connection is implied.
  • Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
  • The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
FIGURE TECHNOLOGY SOLUTIONS, INC. (FIGR) FY2026 YTD Q2 Statement of Cash Flows Sankey chart
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