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TickerTalks›$FIGR
FIFIGR

Figure Technology Solutions, Inc. Class A Common Stock

Rising onWhy it's trendingX chatter picking upMoving on elevated volumeStrong bullish X conversation
$FIGR·$4.5B·Financial - Capital Markets·Financial Services
$27.64+2.8%YTD-33.8%1Y-11.2%
Mentions · last 7 days
2026-07-29: 17 posts2026-07-30: 18 posts2026-07-31: 18 posts2026-08-01: 9 posts2026-08-02: 11 posts2026-08-03: 11 posts2026-08-04: 5 posts89+8%
Price updated 2h ago·X counts updated 2h ago
FIFIGR
$FIGRFigure Technology Solutions, Inc. Class A Common Stock
$27.64+2.83%89 posts+8%
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 hypeWinding up for a moveAI verdict · as of 2026-08-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Figure Technology Solutions is the Provenance-blockchain-HELOC franchise at 2%-of-range down 38% YTD — Bill Miller PLTR/NVDA framing plus $600M notes is the substance.

Figure Technology Solutions Inc. is a specific US-listed blockchain-based consumer-finance franchise — the Provenance blockchain platform for HELOC origination, securitization, and marketplace-lending services. Up 6% today, down 38% year to date, and down 20% over 12 months, sitting at just the 2nd percentile of the 52-week range on a coiling-plus-catalyst setup.

Where it stands:

  • The business is executing on high-margin scale: reported quarters at $135M-$223M revenue with gross margin 87-94%, operating margin 33%, and EPS $0.43, $0.07, $0.21 — operating leverage lands but quarterly variability reflects origination-cycle timing.
  • The valuation is elevated but reasonable on forward: TTM P/E of 34, forward P/E of 27 on FY26 EPS estimates of $0.98 rising to FY27 estimates of $1.29. Price-to-sales of 8.4 and EV/EBITDA of 19 reflect the blockchain-plus-consumer-finance premium.
  • The strategic tape is the catalyst cluster: Bill Miller framed FIGR as one of only three market names doubling with 60%+ margins alongside PLTR and NVDA. On-chain activity on Provenance flagged auto-loan expansion beyond Agora, and FIGR is a preferred sleeper crypto-proxy into the Clarity Act. Traders see the ~$25 zone as established support.
  • The capital-structure signal is specific: Figure priced $600 million of 8.500% senior notes — pre-funding a growth pipeline that adds interest expense but supports origination scale-up.

The next quarterly print needs continued Provenance-plus-Figure-Connect origination growth plus dated commentary on the auto-loan-expansion pipeline and Clarity-Act positioning to trigger the breakout; a specific non-accrual-balance walk-up or a marketplace-take-rate compression would take the stock back toward the 2%-of-range low.

Agrees with X sentimentX is bullish and I agree with the setup — the Bill Miller PLTR/NVDA-comparable framing plus the ~$25 support plus the Clarity Act catalyst is a defensible catalyst-plus-technical trade. The bear reservation to name is fair — rising non-accrual balances are a real credit-quality signal that could pressure the origination-plus-margin story.

What to watch: The next quarterly print — good = continued Provenance-plus-Figure-Connect origination growth with dated commentary on the auto-loan-expansion pipeline and Clarity-Act positioning; bad = a specific non-accrual-balance walk-up or a marketplace-take-rate compression, which takes the stock back toward the 2%-of-range low.

X sentiment

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

Bullish sentiment7 posts analyzed · as of 2026-08-04

Figure Technologies posters are constructive. July on-chain data shows Consumer Loan Marketplace volume growth of ~12.5% at $1.7B, an auto-loans push building on Provenance, and Bill Miller including FIGR alongside PLTR and NVDA as one of 'three companies doubling with >60% margins.' Chartists call the drawdown 'Wave (5) capitulation into an institutional accumulation trap.' One skeptical thread flags balance in non-accrual status skyrocketing as FIGR takes troubled loans onto the balance sheet. Bulls dominate.

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; partial earnings exposure to financial - capital markets demand dynamics through its product portfolio.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+5.0%YTD
+8.0%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%
Q2 2025Sep 2, 2025$0.07——
Next earningsThu, Aug 13·consensus EPS $0.24

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.1.5×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.5%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.-10.4%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.-28.4%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 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.

Insider activity

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

Recent transactions

SellJul 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$554KSellMay 14Stevens David ToddChief Capital Officer47.1K sh$2.0MSellMay 13Cagney Michael ScottDirector8.2K sh$300KSellMay 13June OuDirector35.2K sh$1.3M
1–10 of 16
+ 24 other (13 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
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

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
+ 21 other (5 earnings 8-Ks · 3 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·20d agoFigure Technology Solutions: Figure Connect Makes The Buy Case More Convincingseekingalpha.com·22d agoFigure Technology Solutions Announces Pricing of Private Offering of $600 Million of Senior Notesglobenewswire.com·26d agoFigure Technology Solutions Reports Preliminary June & Q2 2026 Operating Dataglobenewswire.com·28d agoFigure Technology Solutions Announces Private Offering of Senior Notesglobenewswire.com·30d ago

In themes

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

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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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