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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
SEC Form 4 / 13F Thermometer: 65% Net Buy • Disciplined Float (-0.32% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
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.
Clean SEC annual filing review with no major hidden accounting time-bombs.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($30.06) and Max Pain ($22.66) forces dealer call-delta covering toward $81.90.
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.
Figure Technology Solutions Inc. (FIGR) dropped -8.52% to $21.58, trading at 2% of its 52-week range ($20.92 – $78). Stretched risk/reward at 40x P/E (22% return on capital) under elevated 10-year interest-rate pressure.
Seeking Alpha report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Trefis report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Yahoo! Finance Canada report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Trefis report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance UK report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
By Exec Edge Editorial Staff In the third quarter of 2026, Coinbase Global, Inc. (NASDAQ: COIN) reported total revenue of $1.2 billion, net income of $719 million, adjusted EBITDA of $333 million and adjusted net income
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +48.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FIGR today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FIGR. Explore sector supply chains on /butterfly.
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 → |
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 |
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.
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).
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.
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).
Why FIGR Stock dropped -8.52% Today — RQD Quant Desk Flash. Stretched risk/reward at 40x P/E (22% return on capital) under elevated 10-year interest-rate pressure.
The Roarable RQD Score is 51, grade D, labeled "Roarable Sell — Underperform / Distribution Warning" per the Roarable RQD rating. The five pillars are:
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.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $506.9M | $117.5M | $133.9M | N/A | $39.8M | $1198.1M | $230.1M |
| FY 2024 | $340.9M | $9.2M | $17.2M | N/A | $-142.4M | $289.7M | $167.9M |
| FY 2023 | $209.5M | $-49.4M | $-47.9M | N/A | $-42.8M | N/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.
Per the butterfly supply-chain graph, the supply_chain field is NONE, there are no butterfly links, and there are no proprietary signals.
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
Seeking Alpha report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Trefis report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Yahoo! Finance Canada report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Trefis report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance UK report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Figure Technology Solutions Inc. (FIGR) market action, institutional positioning, and fundamental catalysts.
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.
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.
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.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).