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TickerTalks›$FIGR
FIFIGR

Figure Technology Solutions, Inc. Class A Common Stock

$FIGR·$5.2B·Financial - Capital Markets·Financial Services
$27.67+10.5%YTD-40.0%1Y-38.0%
Price updated 3h ago·X counts updated 4d ago
FIFIGR
$FIGRFigure Technology Solutions, Inc. Class A Common Stock
$27.67+10.46%160 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $FIGR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

160X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $FIGR's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data10 posts analyzed · as of 2026-09-16

Figure Technology is drawing a clean upgrade cycle. BofA lifted it from Underperform to Neutral and the PT from $31 to $49, calling stronger revenue growth through 2028 and 132% YoY Q2 volume growth. Traders flag $687K of $39 calls trading and setups toward $44 and $49. The freshly closed $717M Kiavi acquisition already shows up on-chain as new consumer loan marketplace volume, and no bear voice enters the window.

Read what X is saying about $FIGR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $FIGR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersSelling offAI verdict · as of 2026-10-02

Falling on heavy selling — points lower unless it turns around.

Figure Technology at 8% of 52-week range — BofA upgraded to Neutral at $49 PT, Q2 volume +132% YoY, Kiavi acquisition closed.

Figure Technology Solutions runs a blockchain-based consumer finance platform — originations, trading, and loan marketplace services. The stock is down 32% YTD and 8% of its 52-week range despite genuinely accelerating fundamentals.

  • The P&L is quietly firing: revenue grew 201% YoY to $167M last quarter at a 33% operating margin and 90% gross margin — this is a 200%+ revenue grower with 33% operating margin, which is the specific blockchain-fintech story bulls think is undervalued.
  • The $717M Kiavi acquisition just closed — Figure's on-chain consumer loan marketplace already showing new volume contribution from Kiavi; BofA upgrade from Underperform to Neutral and PT lift to $49 (from $31) is the specific sell-side-sentiment-shift signal.
  • Insider M-Exempt activity (Kgil $200K at $4.82, Ou/Cagney F-InKind at $0) are low-strike exercises; founder Mike Cagney and VP Ou receiving large RSU vestings is the alignment-plus-dilution tell.

Breaking-down holds unless Nov 12 earnings confirm Kiavi acquisition contribution and loan-marketplace volume growth above 100% YoY. A soft volume print, or any specific commentary on blockchain-regulatory headwinds, is what seals the de-rating; a FY27 revenue guide above $900M plus specific Kiavi-synergy metrics is what breaks the tape higher — the mechanics support the fundamentals, but the chart is pricing a blockchain-fintech discount.

Agrees with X sentimentX bulls on BofA's upgrade to Neutral at $49 PT (from $31), 132% YoY Q2 volume growth, $687K $39 calls trading, and the Kiavi acquisition showing on-chain volume contribution have the specific thesis right — this is a quality fintech being re-rated upward.

What to watch: Nov 12 earnings — loan-marketplace volume growth above 100% YoY, Kiavi acquisition contribution, operating margin trajectory, FY27 revenue guide. A soft volume print or Kiavi-synergy miss is what seals the breaking-down.

On the calendar: 2026-11-12 — Q3 FY26 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 — digital-asset platforms drive growth as retail crypto trading and stablecoin adoption (USDC via CRCL) expand.

What this means for $FIGR

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

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
-1.4%YTD
+2.3%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 $0.28

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 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$892.6M$885.3M – $899.9M$1.15$1.08 – $1.213
FY27$1.2B$1.2B – $1.2B$1.52$1.46 – $1.562
FY28$1.4B$1.3B – $1.6B$1.83$1.67 – $1.992

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.1.3×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.2%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.-23.7%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.-30.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 122.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today4.9% 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.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

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 16
+ 30 other (19 inkinds · 6 exempts · 3 awards · 2 conversions) 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
Free, forever. No credit card.

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

S-3ASRAuto-shelf registrationOct 2S-3ASR
8-KAcquisition completedSep 18-K — Item 2.01: Acquisition completed
AI summary

Figure Technology Solutions, Inc. completed the acquisition of Kiavi, Inc., a fintech company, on September 1, 2026 through a merger transaction pursuant to a Merger Agreement dated June 10, 2026. Figure paid cash consideration net of cash acquired per the terms of the agreement. Kiavi became a wholly-owned subsidiary of Figure Technology Solutions following the merger's closing.

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.

+ 12 other (4 earnings 8-Ks · 2 10-Qs · 2 13Gs · 2 routine 8-Ks) in window

Recent news

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

Figure Technology Solutions: A New Force In Lending Infrastructureseekingalpha.com·4d agoFigure Technology Solutions Reports Preliminary September & Q3 2026 Operating Dataglobenewswire.com·9d agoHere's Why Figure Technology (FIGR) Is a Great 'Buy the Bottom' Stock Nowzacks.com·14d agoStrength Seen in Figure Technology (FIGR): Can Its 5.3% Jump Turn into More Strength?zacks.com·24d agoAnalyzing Fiserv (NASDAQ:FISV) and Figure Technology Solutions (NASDAQ:FIGR)defenseworld.net·25d 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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