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TickerTalks›$FIGR
FIFIGR

Figure Technology Solutions, Inc. Class A Common Stock

$FIGR·$4.5B·Financial - Capital Markets·Financial Services
$36.69+1.8%YTD-33.8%1Y+15.9%
Mentions · last 7 days
2026-08-21: 40 posts2026-08-22: 20 posts2026-08-23: 18 posts2026-08-24: 28 posts183+14%
Price updated 57m ago·X counts updated 7d ago
FIFIGR
$FIGRFigure Technology Solutions, Inc. Class A Common Stock
$36.69+1.78%183 posts+14%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $FIGR, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Driven by hypeCooling offAI verdict · as of 2026-08-29

Catching its breath after a run — could pick back up or fade from here.

Figure Technology +113% Q2 revenue with the Kiavi acquisition — blockchain-finance name cooling into $36 after fast run.

Figure Technology Solutions is a blockchain-native financial services platform — home-equity lending, plus the YLDS stablecoin and blockchain-transparent securitization business. The setup is a hot-momentum fintech cooling with real fundamentals underneath.

  • The revenue trajectory is genuinely large: Q2 revenue grew 113% YoY, Q1 revenue grew 201% YoY to $167M at a 87% gross margin, Q2 EPS beat at $0.37 vs $0.24 consensus (+53%), and the sell side models FY26 revenue at ~$803M rising to ~$1.03B in 2027 — the loan-origination flywheel is real, and the $717M Kiavi acquisition adds scale in DSCR investor loans.
  • The blockchain-transparent product is compounding: YLDS stablecoin crossed $100M settled loan proceeds, EDX Markets integrated YLDS as collateral and treasury asset, and blockchain-transparent securitizations are running at double July's pace — real network-effect signals in the securitization primary market.
  • The insider signal is loud negative: officer David Todd Stevens sold ~$1.5M on August 14 after M-Exempt exercises, Kgil Minchung sold combined ~$430K across two dates, and Cagney Michael Scott (director) posted an F-InKind — combined ~$2M+ of officer selling into strength is the counter-tell against the recent run.

The setup is a hot-momentum blockchain-fintech cooling after a rip with real fundamentals underneath and a loud insider counter-tell — the November 12 Q3 print is the referee, and the market needs continued 100%+ revenue growth plus updated YLDS-and-Kiavi contribution color. A clean beat plus visible Kiavi accretion breaks the cooling back into a bid toward $50; another cluster of officer selling above $40 or a soft weekly CLMV extends the cooling.

Agrees with X sentimentThe bullish X read on the fresh $40 print, Q2 revenue +113%, EBITDA +126%, the $717M Kiavi acquisition, YLDS stablecoin crossing $100M settled loan proceeds, EDX adoption as collateral, and blockchain-transparent securitizations at double July's pace is factually consistent with the reported numbers and 8-K disclosures. The 10% pullback on softer weekly CLMV as an add opportunity is the crowd's fair framing.

What to watch: The November 12 Q3 earnings — need continued 100%+ revenue growth, updated YLDS-and-Kiavi contribution color, and reiterated FY26 revenue guide toward $803M. Another cluster of officer selling above $40 or a soft weekly CLMV extends the cooling; a clean beat plus visible Kiavi accretion breaks the cooling back into a bid toward $50.

On the calendar: 2026-11-12 — Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment28 posts analyzed · as of 2026-08-30

Figure Technology is emerging as a favored crypto-infrastructure play, with Q2 revenue up 113% YoY, 38.8% net margins, and a $717M Kiavi acquisition adding a second lending vertical. Bulls point to Figure Connect volume ramping, an EDX adoption of the $YLDS stablecoin as exchange collateral, and on-chain naming of securitization trusts. Traders treat pullbacks below $40 as accumulation, with $34 as the base to defend.

Read the AI verdict + X sentiment for $FIGR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Operates a blockchain-based consumer lending and capital markets platform offering home equity loans using distributed ledger infrastructure.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $FIGR.

Financial - Capital Markets · Financial Services

IPO and M&A activity — the primary revenue driver for capital markets firms — is recovering as equity market strength rebuilds corporate confidence and sponsor exit windows open. Retail trading volume (HOOD's record signups) confirms the infrastructure layer captures incremental activity.

What this means for $FIGR

Partial — net interest margin and credit quality are the primary earnings drivers; Figure Technology Solutions, Inc.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+5.0%YTD
+11.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
34.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
11.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
32.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-72.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
8.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
17.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
90.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 13, 2026$0.37$0.24+52.6%
Q1 2026May 11, 2026$0.18$0.19-3.3%
Q4 2025Feb 26, 2026$0.06$0.13-53.8%
Q3 2025Nov 13, 2025$0.34$0.16+110.3%
Next earningsThu, Nov 12·consensus EPS $0.32

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$167.0M+201.4%87.2%35.2%$0.21$0
Q4 FY25$223.2M+258.9%88.7%29.1%$0.07$-2.1B
Q3 FY25$134.9M+120.8%93.5%39.1%$0.43$-1.9B
Q2 FY25$95.1M—93.1%29.2%$0.07$209.7M

Forward consensus

3-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$803.2M$770.3M – $836.1M$0.98$0.85 – $1.104
FY27$1.0B$992.5M – $1.1B$1.29$1.21 – $1.365
FY28$1.1B$1.1B – $1.2B$1.52$1.41 – $1.631

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.22%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+16.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-2.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 118.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β-0.025-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 24Minchung KgilCFO8.0K sh$310KSellAug 14Stevens David ToddChief Capital Officer47.6K sh$1.5MSellAug 12Minchung KgilCFO4.0K sh$120KSellJul 24Minchung KgilCFO4.0K sh$113KSellJun 30Minchung KgilCFO4.0K sh$120KSellJun 24Minchung KgilCFO4.0K sh$111KSellJun 15Minchung KgilCFO9.1K sh$274KSellMay 26Minchung KgilCFO8.0K sh$286KSellMay 20Tannenbaum Michael BenjaminCEO2.0K sh$73KSellMay 19Tannenbaum Michael BenjaminCEO14.9K sh$554K
1–10 of 19
+ 28 other (16 inkinds · 5 exempts · 4 conversions · 3 awards) in window

See when $FIGR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsAug 263
AI summary

Figure Technology Solutions, Inc. (FIGR) filed a Form 3 initial beneficial ownership statement for Brian Walter Crist, CLO and Corporate Secretary, as of August 25, 2026, at 100 West Liberty Street, Suite 600, Reno, Nevada. The filing establishes Crist's initial equity ownership baseline as a new Section 16 reporting officer. This is a routine administrative filing reflecting a new officer's ownership registration at Figure Technology, the fintech company led by Mike Cagney.

8-KMaterial agreementJul 148-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Figure Technology Solutions (FIGR) — 8-K (Items 1.01, 2.03) reporting the closing of $600 million in 8.500% Senior Notes due July 31, 2031, guaranteed by Figure's principal operating subsidiaries. Wilmington Trust serves as trustee. Material — $600M high-yield debt issuance at 8.5%; significant new financial obligation for the fintech company.

8-KMaterial agreementJun 108-K — Item 1.01: Material agreement
AI summary

Figure Technology Solutions, Inc. (FIGR) entered into a definitive Merger Agreement on June 10, 2026 to acquire Kiavi, Inc. (a private real estate fintech lender) for approximately $532,426,000 in cash, subject to customary adjustments for cash, debt, expenses, and working capital. Merger Sub will merge into Kiavi, with Kiavi surviving as a wholly-owned FIGR subsidiary; closing requires Kiavi supermajority holder approval and HSR antitrust clearance. This is a transformative all-cash acquisition for FIGR, significantly expanding its financial technology footprint.

8-KShareholder voteJun 108-K — Item 5.07: Shareholder vote
AI summary

Figure Technology Solutions, Inc. held its Annual Meeting of Stockholders on June 4, 2026, with holders of Class A, Class B, and Blockchain common shares represented. Stockholders elected eight directors — including Michael Tannenbaum, Adam Boyden, Michael Cagney, and five others — to serve until the 2027 annual meeting, and ratified KPMG LLP as auditor for fiscal 2026 (454.6M votes for). This is routine annual governance with no material opposition; all proposals passed comfortably.

3/ANew insider — initial holdingsMar 63/A
+ 14 other (4 earnings 8-Ks · 3 13Gs · 2 10-Qs · 2 routine 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Bank of America Corp DE Sells 17,762 Shares of Figure Technology Solutions, Inc. $FIGRdefenseworld.net·3d agoEDX Markets Integrates Figure's YLDS as Collateral and Treasury Assetprnewswire.com·7d agoFigure Technology: Loan Originations Are Doubling, Fueling 60%+ EBITDA Margin Expectationsseekingalpha.com·13d agoWhy Figure Technology (FIGR) Might be Well Poised for a Surgezacks.com·13d agoWall Street Analysts See a 40.94% Upside in Figure Technology (FIGR): Can the Stock Really Move This High?zacks.com·13d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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