FT Intermediate 2025 Q3 Earnings 227.5% Net Income Surge

FT Intermediate (FIGR), a mid-cap player in the fintech sector, reported its fiscal 2025 Q3 earnings on Nov 14th, 2025. The results reflect robust growth across core metrics, with the company setting new records in profitability and revenue generation. Management emphasized strategic execution and market expansion as key drivers of performance, while investors reacted with mixed short-term volatility.

Revenue

The company’s total revenue surged 54.8% year-over-year to $156.37 million, led by a $63.56 million gain on loan sales and $35.69 million in ecosystem and technology fees. Servicing fees contributed $7.88 million, while interest income added $17.86 million. Origination fees reached $21.41 million, and a $9.33 million gain on servicing assets further bolstered the total. Additional revenue streams, including $620,000 from other sources, rounded out the performance.

Earnings/Net Income

FT Intermediate’s net income skyrocketed 227.5% to $89.82 million in Q3 2025, compared to $27.43 million in the prior-year period. Earnings per share (EPS) rose 366.7% to $0.42 from $0.09, marking a record high for the fiscal quarter and underscoring the company’s enhanced profitability.

Price Action

Following the earnings release, FT Intermediate’s stock price surged 13.35% on the latest trading day and gained 10.07% over the preceding week. However, the security declined 9.82% month-to-date, reflecting broader market dynamics and post-earnings volatility.

Post-Earnings Price Action Review

The stock’s immediate post-earnings reaction was sharply positive, with a 13.35% single-day rally driven by strong results and management optimism. Weekly gains of 10.07% reinforced short-term investor confidence, though the month-to-date decline of 9.82% highlights lingering macroeconomic and sector-specific headwinds. The mixed performance suggests market participants are weighing near-term momentum against longer-term uncertainties, including regulatory and macro risks.

CEO Commentary

Michael Tannenbaum, CEO of Figure Technology Solutions, highlighted the company’s post-IPO momentum, noting a 227% YoY net income increase and a 55% adjusted EBITDA margin. He emphasized growth in the consumer loan marketplace ($2.5 billion in volume, +70% YoY) and strategic expansion in blockchain ecosystem pillars. The CEO expressed confidence in leveraging $663 million in IPO proceeds to scale operations and capitalize on tokenized asset opportunities.

Guidance

The company affirmed its commitment to maintaining profitability and expanding partnerships, including a major U.S. loan servicer. While no specific financial guidance was provided, management reiterated confidence in its blockchain-based strategy amid evolving cryptoeconomy trends.

Additional News

Within three weeks of the earnings release, FT Intermediate did not announce material M&A activity, C-level executive changes, or dividend/buyback initiatives. The company’s focus remained on operational scaling and blockchain innovation, with no significant non-earnings-related news reported.