Figure Technology Solutions Inc. (FIGR) Next Earnings Date & Expected ±12.5% Move

$21.58 -8.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.21

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 $21.58 (-8.52% 1D, market cap $4.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FIGR ranks #638 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
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.21 (-1.72%)🧬 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-$23.33-7.5% Next Q
Current
50
Grade D$21.58-1.4% 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 ($22.66) 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”
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$2.70 Expected Swing
$18.88 (-12.5%)Spot $21.58$24.28 (+12.5%)
MODEL EARNINGS SETUP GAUGE

FIGR Quantitative Pre-Earnings Setup: 50/100

Trailing EPS: $0.60 • YoY Revenue Growth: 48.7%

Model Bullish Setup (50/100)Model Risk Weight (50/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$506.9M$133.9M$39.8M52%
FY 20242024-12-31$340.9M$17.2M-$142.4M52%
FY 20232023-12-31$209.5M-$47.9M-$42.8M52%
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
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
FIGR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -40.12%🛡️ HOLDING TREND SUPPORT
2026-11-03O $23.59H $23.59L $21.58C $21.58VOL 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$21.582026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)
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 (#33)

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 #638 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Figure Technology Solutions Inc. (FIGR) ranks #638 by composite RQD confidence (50/100, grade D) and #276 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% -8.52% $4.84B Benchmark Subject
RIOT
Riot Platforms Inc.
E 33/100 — — -15.3% -6.77% $4.81B /riot-vs-figr →
CACC
Credit Acceptance Corporation
D 50/100 — — 0.0% -19.26% $4.71B /cacc-vs-figr →
SEZL
Sezzle Inc.
B+ 79/100 — — 38.6% +0.74% $4.56B /sezl-vs-figr →
NNI
Nelnet Inc.
D+ 53/100 10.3x — 11.6% -0.87% $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 $21.58 (-8.52% 1D, market cap $4.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FIGR ranks #638 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 $21.58 (-8.52% on volume of 7,915,834 shares), positioning the stock -28.21% below its 50-day simple moving average ($30.06) and -35.75% below its 200-day simple moving average ($33.59). Across its 52-week range of $20.92 to $78.00, FIGR sits at the 1.2% percentile with a 14-day RSI of 34.7 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($18.88 to $24.28).

FIGR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FIGR's next earnings date?

Based on SEC filing cadence, Figure Technology Solutions Inc. (FIGR)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FIGR stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for FIGR, spanning a range between $18.88 and $24.28.

ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:20:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD Score is 51, grade D, labeled "Roarable Sell — Underperform / Distribution Warning" per the Roarable RQD rating. The five pillars are:

  • Fundamental Cash Engine: 11 / 20. Per the Roarable RQD rating, this reflects ROIC of 21.9% alongside an FCF yield of 0.75%. For a prospective investor, the strong return on invested capital is offset by a very thin free-cash-flow yield at the current price, meaning the market is paying a high multiple for each dollar of reported free cash flow.
  • Whale / 13F Flow: 5 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. The low score indicates weak institutional support in the rating's view; the underlying 13F detail is not available in source data.
  • Insider Conviction: 13 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. The moderate score signals some insider activity, but the transaction-level detail is not available in source data.
  • Macro Regime Fit: 7 / 20. Per the Roarable RQD rating, this reflects beta of 1 and sector sensitivity. A beta of 1 means the stock is rated as moving in line with the market, and the low score signals a weaker fit with the current macro regime in the rating's view.
  • Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, this reflects Altman Z of 2.5, Piotroski F of 8/9, and Debt/Equity of 0.5. This is the strongest pillar and suggests balance-sheet quality is comparatively sound.

Taken together, the rating points to a stock with strong reported profitability and balance-sheet metrics that is nonetheless priced richly against its cash generation, with weak institutional flow and a weak macro fit. Upside drivers would need to come from sustained growth in free cash flow that narrows the gap between the 39.5x trailing P/E and the 0.75% FCF yield. Valuation tradeoffs are significant: the 31.6x EV/EBITDA leaves limited margin for error. This is an educational reading of the rating, not personalized financial advice.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
23.59$5.29B39.533.231.60.60%1$20.92 - $7821.9%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$506.9M$117.5M$133.9MN/A$39.8M$1198.1M$230.1M
FY 2024$340.9M$9.2M$17.2MN/A$-142.4M$289.7M$167.9M
FY 2023$209.5M$-49.4M$-47.9MN/A$-42.8MN/A$681.2M

Per the SEC financials, revenue rose from $209.5M in FY 2023 to $506.9M in FY 2025, and operating income moved from $-49.4M to $117.5M over the same span. Operating margin is 23.2% and net margin is 26.4% per the market data section. Per the Roarable RQD rating, ROIC is 21.9%, the Altman Z-Score is 2.5, and the Piotroski F-Score is 8/9. Debt/Equity is 0.5 per the Roarable RQD rating; debt was $230.1M at FY 2025 against cash of $1198.1M.

Recent Catalysts & News Wire Analysis

  • Seeking Alpha (YELLOW, MARKET WIRE): "Figure Technology Solutions: A New Force In Lending Infrastructure" — a general market-action and catalyst report with no specific figures in the summary.
  • Trefis (RED, RISK WATCH): "Figure Technology Solutions Stock Extends A 9-Day Losing Streak To A 25% Loss" — flags a sustained price decline.
  • Yahoo! Finance Canada (YELLOW, MARKET WIRE): Stock price, news, quote and history page.
  • Trefis (YELLOW, MARKET WIRE): "Figure Technology Solutions Stock: 10 Straight Red Days, Down 26%" — reiterates the losing streak.
  • Simply Wall St (YELLOW, MARKET WIRE): Stock forecast and analyst predictions page.
  • TradingView (RED, RISK WATCH): A 12-month price target cut to $52.3, described as implying 83% upside — flagged as a risk watch item.

Per the butterfly supply-chain graph, the supply_chain field is NONE, there are no butterfly links, and there are no proprietary signals.

Open Questions

  • What products and customers drive the reported revenue growth from $209.5M to $506.9M, and how much of it is recurring?
  • What explains the FY 2025 jump in cash to $1198.1M and whether it is durable?
  • Why is FY 2025 EPS reported as N/A when net income is $133.9M, and what is the share count?
  • What is the basis for the price-target cut referenced in the TradingView headline, and who issued it?
  • What is driving the consecutive-decline price pattern reported by Trefis, and is there a specific company event behind it?

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 $21.58?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FIGR 🐻 50% 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.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $25.48 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FIGR (D • RQD 51/100) a Buy at $23.59?

Welcome to the FIGR (Figure Technology Solutions Inc.) Roar Pit. Current RQD Composite is 51/100 (Roarable Sell — Underperform / Distribution Warning) in Finance: Consumer Services. Bulls point to capital efficiency (21.9% ROIC), while bears focus on valuation multiple compression (39.5x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $19.11 (-19.0%)
Spot @ $23.59

Pump the brakes on FIGR — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FIGR, but look at what you are paying: 39.5x trailing P/E with tightening sector spreads. Unless Figure Technology Solutions Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $28.78 (+22.0%)
Spot @ $23.59

FIGR cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FIGR, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $23.59 (52-wk range $20.92 - $78.00), any beat on forward guidance forces shorts and underweight funds to chase.

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