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TickerTalks›$FIGR
FIFIGR

Figure Technology Solutions, Inc. Class A Common Stock

$FIGR·$5.8B·Financial - Capital Markets·Financial Services
$30.87-0.2%YTD-26.0%1Y-0.8%
Mentions · last 7 days
2026-07-09: 27 posts2026-07-10: 24 posts2026-07-11: 11 posts2026-07-12: 24 posts2026-07-13: 40 posts2026-07-14: 25 posts2026-07-15: 36 posts1890%
Price updated 5h ago·X counts updated 1d ago
FIFIGR
$FIGRFigure Technology Solutions, Inc. Class A Common Stock
$30.87-0.19%189 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

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 hypeAcceleratingAI verdict · as of 2026-07-16

The move is getting stronger, with heavier trading behind it.

Figure Technology just closed $600M of 8.5% senior notes with Needham reiterating Buy at a $55 price target as a top idea.

Figure Technology Solutions runs a blockchain-based consumer-finance platform (Figure Lending, Figure Connect marketplace), $5.8B market cap, with Q2 2026 earnings due 2026-08-10.

  • Q1 revenue was $167M, up 201% year-over-year but down 25% sequentially — the sequential dip reflects timing of Figure Connect volume, and the year-over-year print is the fourth consecutive triple-digit growth quarter.
  • EPS $0.18 was slightly below $0.19 consensus (3.3% miss), but the surprise pattern includes a 110% beat in Q3 fiscal 2025 — volatility reflects scaling operations.
  • Gross margin 90.0% (specialty-lending platform), operating margin 32.9%, trailing ROIC 11.4% — operating leverage is real.
  • On July 14, Figure closed $600M of 8.500% Senior Notes due July 31, 2031, guaranteed by principal operating subsidiaries — reduces refinancing risk.
  • On July 7, Figure released preliminary Q2 with strong June and Q2 volume — Needham reiterated Buy with $55 PT as top idea (78% above current $30.93).
  • Consensus models 2026 revenue $788M rising to $968M in 2027 and $1.11B in 2028, EPS $1.01 to $1.25 to $1.55 — the 34.5x multiple discounts the growth arc.
  • Position in 52-week range only 11%, shares 5% below the 50-day and 20% below the 200-day — a compressed base despite strong operating fundamentals.

The setup is a blockchain-finance operator with strong Q2 data, a $600M debt raise, and Needham Buy — August 10 tests the thesis against the compressed tape.

Agrees with X sentimentX posters cite Needham reiterating Buy on FIGR with a $55 price target as a top idea, and note strong June operating metrics and a 2Q volume beat driving estimate increases. Some chatter frames FGRS blockchain-native equity as top for tokenized-stock TVL and 30% higher than launch — that's tokenization-market activity rather than direct sentiment on the equity, but does reflect ecosystem engagement.

What to watch: August 10 Q2 earnings — Figure Connect marketplace transaction volume and take rate, home-equity-line-of-credit origination growth, gross-margin sustainability at 90%, and any 2026 guidance update versus the $788M revenue and $1.01 EPS consensus. The $600M debt raise use-of-proceeds cadence is a separate signal.

On the calendar: 2026-08-10 Q2 2026 earnings; Figure Connect transaction volume and origination growth drive the print.

X sentiment

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

Bullish sentiment11 posts analyzed · as of 2026-07-15

Figure Technology chatter is emphatically bullish. Needham reiterated Buy on FIGR with PT $55 as top idea - strong June operating metrics and 2Q volume beat driving estimate increases. FGRS blockchain-native equity is now #1 for tokenized-stock TVL and 30% higher than launch - community is exchanging FIGR shares to FGRS on FigureMarkets for lending/borrowing economics. FIGR sits at $7.5B market cap - #2 tokenization platform behind CRCL. Community broadly long into the tokenization thesis.

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

No material change from last week — Robinhood reporting its highest single-day signups confirms the retail infrastructure layer directly benefits from high-profile IPO cycles.

What this means for $FIGR

Partial — Operates a blockchain-based consumer lending and capital markets platform offering home equity loans using distributed ledger infrastructure; this segment overlaps with the retail trading surge and IPO/crypto market cycle but is not the dominant revenue driver.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+6.8%YTD
+12.0%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
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 earningsMon, Aug 10·consensus EPS $0.23

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$788.1M$763.9M – $812.3M$1.01$0.95 – $1.054
FY27$968.3M$930.6M – $1.0B$1.25$1.23 – $1.275
FY28$1.1B$1.1B – $1.2B$1.55$1.45 – $1.661

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.0.7×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.11%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.-5.4%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.-19.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 118.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.3% 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-0.215-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

SellJun 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$554KSellMay 14Stevens David ToddChief Capital Officer47.1K sh$2.0MSellMay 13Cagney Michael ScottDirector35.2K sh$1.3MSellMay 13June OuDirector35.2K sh$1.3MSellApr 29Tannenbaum Michael BenjaminCEO47.9K sh$1.5M
1–10 of 15
+ 22 other (11 inkinds · 4 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

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
8-KCharter amendmentFeb 198-K — Item 3.03 · Item 5.03: Charter amendment · Item 8.01: Other event
424B4Prospectus supplement (offering)Feb 18424B4
S-1/AInitial registrationFeb 13S-1/A
S-1/AInitial registrationFeb 12S-1/A
+ 24 other (5 earnings 8-Ks · 4 CORRESPs · 2 routine 8-Ks · 2 13Gs) in window

Recent news

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

Figure Technology Solutions Announces Date for Second Quarter 2026 Resultsglobenewswire.com·1d agoFigure Technology Solutions: Figure Connect Makes The Buy Case More Convincingseekingalpha.com·3d agoFigure Technology Solutions Announces Pricing of Private Offering of $600 Million of Senior Notesglobenewswire.com·7d agoFigure Technology Solutions Reports Preliminary June & Q2 2026 Operating Dataglobenewswire.com·9d agoFigure Technology Solutions Announces Private Offering of Senior Notesglobenewswire.com·11d ago

In themes

Explore the broader themes this ticker is being talked about under.

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Voices on X · last 7 days

No standout posts about $FIGR on X in the last 7 days.

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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