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Figure Technology Solutions Inc. (FIGR) Dividend Safety Gauge & 10-Year DRIP Compounder

$21.79 +0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.79

Figure Technology Solutions Inc. (FIGR) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $4.84B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FIGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Figure Technology Solutions Inc. (NASDAQ: FIGR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $21.79 (+0.97% 1D, market cap $4.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FIGR ranks #639 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FIGR compare to RIOT and CACC in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), FIGR carries a Roarable D (50/100 RQD), trailing P/E of 39.5x, gross margin of —, and ROIC of 21.9%. By comparison, RIOT (Riot Platforms Inc.) holds a E grade (33/100 RQD, P/E N/A, ROIC -15.3%, cap $4.81B) and CACC (Credit Acceptance Corporation) posts a D grade (50/100 RQD, P/E N/A, ROIC 0.0%, cap $4.71B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FIGR?
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Per FIGR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002064124), Figure Technology Solutions Inc. generated $506.9M in revenue (+48.7% YoY), $133.9M in net income, and $39.8M in free cash flow against $2.32B in total assets and $230.1M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.79 (-0.02%)🧬 Disciplined Float (-0.32% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510050
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+
Cash (11)Whales (5)SEC (15)Macro (6)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-3.6% Base Target
$82 Bull$21 Base$16 Bear
📬 FREE FIGR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FIGR)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (50/100 Composite)
🔍 WHY FIGR SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Disciplined Float (-0.32% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$25.05+1.2% Next Q
Q2 (-2Q)
55
Grade C$25.36-8% Next Q
Q3 (-1Q)
53
Grade C-$23.33-6.6% Next Q
Current
50
Grade D$21.79-1.4% Hist 90D α
Trajectory: C (58) → D (50)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FIGR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FIGR currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($30.06) and Max Pain ($22.88) forces dealer call-delta covering toward $81.90.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.32% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FIGR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FIGR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 50%NO 50%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
0.6% Total Yield
0% Cash ($0.00/yr) + 0.6% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (15.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $40,809

Est. Year-10 Shareholder Yield: $245/yr
$11.5K
Yr 1
$13.2K
Yr 2
$15.2K
Yr 3
$17.6K
Yr 4
$20.2K
Yr 5
$23.3K
Yr 6
$26.8K
Yr 7
$30.8K
Yr 8
$35.5K
Yr 9
$40.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FIGR)

  • ✓Walkthrough of FIGR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FIGR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -39.54%🛡️ HOLDING TREND SUPPORT
2026-11-03O $23.59H $23.59L $21.58C $21.79VOL 7.92M
RES: $39.20SUP: $20.76SMA50: $30.06SMA200: $33.59
$46.33$39.45$32.56$25.67$18.78RES $39.20SUP $20.76$21.792026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FIGR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FIGR Butterfly Map → + Track FIGR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
30.1%/yr Implied 5Y Growth

vs. +48.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FIGR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FIGR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FIGR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FIGR)

Financials Rank #639 of 1097 ⚔️ RIOT vs FIGR Full Matrix →

1. Head-to-Head Financials Peer Comparison (FIGR vs. RIOT, CACC, SEZL, NNI)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Figure Technology Solutions Inc. (FIGR) ranks #639 by composite RQD confidence (50/100, grade D) and #277 by equity capitalization ($4.84B). Within this direct 5-issuer industry benchmark cohort, NNI leads on earnings valuation at 10.3x trailing P/E, while SEZL leads on capital efficiency and profitability with 38.6% ROIC and — gross margin. SEZL currently holds the highest overall quantitative score in the immediate peer group at 79/100 (B+) compared with FIGR at 50/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FIGR ACTIVE
Figure Technology Solutions Inc.
D 50/100 39.5x — 21.9% +0.97% $4.84B Benchmark Subject
RIOT
Riot Platforms Inc.
E 33/100 — — -15.3% -7.57% $4.81B /riot-vs-figr →
CACC
Credit Acceptance Corporation
D 50/100 — — 0.0% +4.27% $4.71B /cacc-vs-figr →
SEZL
Sezzle Inc.
B+ 79/100 — — 38.6% -4.84% $4.56B /sezl-vs-figr →
NNI
Nelnet Inc.
D+ 53/100 10.3x — 11.6% +1.47% $4.38B /nni-vs-figr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002064124 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Figure Technology Solutions Inc. (FIGR) reported GAAP revenue of $506.9M (+48.7% vs. FY2024 revenue of $340.9M , and +141.9% cumulative change since FY2023) , GAAP net income of $133.9M, operating cash flow of $62.6M, and free cash flow of $39.8M (+127.9% YoY). On the balance sheet, FIGR closed FY2025 with $2.32B in total assets against $230.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $506.9M $133.9M $62.6M $39.8M $2.32B $230.1M
FY2024 (FY) 2024-12-31 $340.9M $17.2M -$127.0M -$142.4M $1.16B $167.9M
FY2023 (FY) 2023-12-31 $209.5M -$47.9M -$33.4M -$42.8M $2.91B $681.2M

3. FIGR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FIGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Figure Technology Solutions Inc. (NASDAQ: FIGR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $21.79 (+0.97% 1D, market cap $4.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FIGR ranks #639 in composite RQD confidence.

How does FIGR compare to RIOT and CACC in the Financials sector?

Within the Financials sector (Finance: Consumer Services), FIGR carries a Roarable D (50/100 RQD), trailing P/E of 39.5x, gross margin of —, and ROIC of 21.9%. By comparison, RIOT (Riot Platforms Inc.) holds a E grade (33/100 RQD, P/E N/A, ROIC -15.3%, cap $4.81B) and CACC (Credit Acceptance Corporation) posts a D grade (50/100 RQD, P/E N/A, ROIC 0.0%, cap $4.71B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FIGR?

Per FIGR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002064124), Figure Technology Solutions Inc. generated $506.9M in revenue (+48.7% YoY), $133.9M in net income, and $39.8M in free cash flow against $2.32B in total assets and $230.1M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FIGR trading relative to its 50-day, 200-day, and 52-week technical levels?

FIGR last traded at $21.79 (+0.97% on volume of 5,308,345 shares), positioning the stock -27.51% below its 50-day simple moving average ($30.06) and -35.13% below its 200-day simple moving average ($33.59). Across its 52-week range of $20.92 to $78.00, FIGR sits at the 1.5% percentile with a 14-day RSI of 34.7 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($19.07 to $24.51).

Direct Sub-Reports: FIGR RQD Cockpit FIGR 12M Forecast FIGR Earnings & Move FIGR Dividends & DRIP FIGR Insiders & 13F FIGR Whale Options FIGR Profit Sankey FIGR News & Why
ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ SEC XBRL & RQD VERIFIED

FIGR — Figure Technology Solutions Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Figure Technology Solutions Inc. (FIGR) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $21.79 (+0.97% 1D, market capitalization $4.84B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 21.9%, gross margin of —, operating margin of 23.2%, and free cash flow yield of 0.75%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Figure Technology Solutions Inc. (FIGR) is a NASDAQ-listed operating company in the Finance: Consumer Services industry (Financials sector) with an equity market capitalization of $4.84B. The business operates with a gross margin of 0%, an operating margin of 23.2%, and a return on invested capital (ROIC) of 21.9% (free cash flow yield of 0.75%). Within the Finance: Consumer Services peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Figure Technology Solutions Inc. (FIGR) reported $506.9M in annual revenue (up from $340.9M in FY2024, +48.7% YoY) and $133.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($209.5M revenue, -$47.9M net income) through FY2025, FIGR scaled operating cash flow to $62.6M and free cash flow to $39.8M, backed by $2.32B in total assets against $230.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 50/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 0.75% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $20.92 – $78.00 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 39.5x trailing P/E and 31.6x EV/EBITDA against 23.2% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The butterfly supply-chain graph lists no upstream or downstream links and no proprietary signals, so upstream dependencies, sector correlations, and second-order bottlenecks cannot be identified from the source data.

  • Key Question #1: Can FIGR sustain or expand its 23.2% operating margin and 21.9% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $506.9M and free cash flow of $39.8M, how will capital allocation balance growth reinvestment against $230.1M in total debt?
  • Key Question #3: How sensitive is FIGR's 33.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FIGR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Figure Technology Solutions Inc. (FIGR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FIGR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FIGR Bull vs. Bear Conversation Board — What's Your Call at $21.79?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FIGR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FIGR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $26.54 (+23.0%)
📌 Pinned Debate

Strong reported profitability with FY 2025 net income of $133.9M, ROIC of 21.9%, and a Piotroski F-Score of 8/9 on a balance sheet hold

The street is overcomplicating Figure Technology Solutions Inc. (FIGR). Strong reported profitability with FY 2025 net income of $133.9M, ROIC of 21.9%, and a Piotroski F-Score of 8/9 on a balance sheet holding $1.20B in cash.. With an RQD score of 50/100 (D) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $23.31.

EarningsSniper 🐂 BULL

Both sides have a point here — FIGR's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $16.62 (-23.0%)
Spot @ $21.58

The stock trades at 39.5x trailing earnings with only a 0.75% FCF yield, a 9-day losing streak, and a weak Roarable RQD institutional-f

Careful chasing FIGR at $21.58. The stock trades at 39.5x trailing earnings with only a 0.75% FCF yield, a 9-day losing streak, and a weak Roarable RQD institutional-flow pillar score of 5 / 20.. Gross margin is 0.0%, but operating margin is 23.2%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $16.62 on multiple compression.

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