olivLaw · US equity research
Figure Technology Solutions, Inc. FIGR
Loan Brokers · SIC 6163 · Vertical: Nondepository credit (SIC 616x)
Figure Technology Solutions is a blockchain-based capital marketplace that automates the origination, funding and trading of loans, with a focus on HELOC home equity credit. The company turned profitable in 2025 and is expanding through the Kiavi acquisition and growing volume on Figure Connect.
At the close of 05 Nov 2026, Figure Technology Solutions, Inc. (FIGR) stock was 20.90 USD (−9.21% on the day), with P/E 22.5 on diluted EPS of 0.93 USD over the last 12 months, beta 2.81, 52-week range 20.90–73.91 USD. Latest reported quarter (Q2 2026): revenue of 225.6 m USD (+112.7% YoY), net income of 87.4 m USD (+192.1% YoY), diluted EPS 0.35 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 32.5
- weak (30–45)
- Bollinger (20, 2)
- 19.75 – 29.17
- in the lower half of the band · %B 0.12 · band width 38.5%
- SMA 50 / 200
- 29.70 / 33.34
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -2.19 / -2.20
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −23.6% | −5.9% | −17.6 pp | — |
| 3 months | −26.9% | −4.6% | −22.3 pp | — |
| 6 months | −44.3% | +0.2% | −44.5 pp | — |
| Year to date | −48.8% | +7.4% | −56.2 pp | — |
| 1 year | −46.0% | +8.2% | −54.2 pp | −48.3% |
| 3 years | unavailable | +68.4% | unavailable | −15.5% |
| 5 years | unavailable | +56.5% | unavailable | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 101.0 m | 83.9 m | 84.5 m | 106.1 m | 156.4 m | 159.9 m | 167.0 m | 225.6 m |
| Research & development | 16.1 m | 16.3 m | 17.4 m | 16.0 m | 15.9 m | 15.6 m | 15.6 m | 15.6 m |
| Operating income | 26.1 m | -804.0 k | 8.1 m | 27.7 m | 52.7 m | 29.0 m | 41.9 m | 77.7 m |
| Pre-tax income | 28.7 m | 6.3 m | 617.0 k | 33.4 m | 58.4 m | 21.3 m | 38.1 m | 83.0 m |
| Income tax | 1.3 m | 389.0 k | 1.2 m | 3.4 m | -31.5 m | 6.3 m | -6.9 m | -4.4 m |
| Net income | 27.3 m | 5.5 m | -820.0 k | 29.9 m | 89.6 m | 15.2 m | 44.9 m | 87.4 m |
| Diluted EPS | 0.09 | 0.07 ≈ | -0.01 | 0.08 | 0.34 | 0.06 ≈ | 0.18 | 0.35 |
| Operating cash flow | — | 87.4 m | -140.3 m | 216.4 m ≈ | -26.8 m ≈ | 13.3 m | -37.8 m | -35.2 m ≈ |
| Share repurchases | — | — | 0 | 0 ≈ | — | — | 9.7 m | 0 ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 0 percentile of its own 4-quarter history (min 33.1, median 63.8, max 87.1; quarters with earnings only).
Fiscal years
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 209.5 m | 340.9 m | 506.9 m |
| Revenue YoY | unavailable | +62.7% | +48.7% |
| Net income | -47.9 m | 17.2 m | 133.9 m |
| Net income YoY | unavailable | unavailable | +677.6% |
| Diluted EPS | -0.93 | 0.00 | 0.44 |
| Diluted EPS YoY | unavailable | unavailable | unavailable |
| net % | -22.9% | 5.0% | 26.4% |
| Free cash flow | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 1.2 bn USD
- Financial debt
- 230.1 m USD
- Net debt
- -968.0 m USD
- Equity
- 1.2 bn USD
- Total assets
- 2.3 bn USD
- Debt / equity
- 0.19x
- Current ratio
- 2.20x
- ROE
- 16.7%
- ROA
- 7.7%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Revenue | 209.5 m | 340.9 m | 506.9 m | SEC (XBRL)· 16 Mar 2026verified |
| Research & development | 49.2 m | 62.7 m | 64.9 m | SEC (XBRL)· 16 Mar 2026verified |
| Operating income | -49.4 m | 9.2 m | 117.5 m | SEC (XBRL)· 16 Mar 2026verified |
| Pre-tax income | -52.3 m | 22.1 m | 113.7 m | SEC (XBRL)· 16 Mar 2026verified |
| Income tax | 102.0 k | 2.2 m | -20.6 m | SEC (XBRL)· 16 Mar 2026verified |
| Net income | -47.9 m | 17.2 m | 133.9 m | SEC (XBRL)· 16 Mar 2026verified |
| Diluted EPS | -0.93 | 0.00 | 0.44 | SEC (XBRL)· 16 Mar 2026verified |
| Weighted average diluted shares | 51.3 m | 72.6 m | 141.8 m | SEC (XBRL)· 16 Mar 2026verified |
Balance sheet · USD
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Cash | 175.8 m | 289.7 m | 1.2 bn | SEC (XBRL)· 16 Mar 2026verified |
| Receivables | — | 21.0 m | 52.0 m | SEC (XBRL)· 16 Mar 2026verified |
| Current assets | — | 854.7 m | 1.9 bn | SEC (XBRL)· 16 Mar 2026verified |
| Total assets | — | 1.2 bn | 2.3 bn | SEC (XBRL)· 16 Mar 2026verified |
| Accounts payable | — | 37.2 m | 29.5 m | SEC (XBRL)· 16 Mar 2026verified |
| Short-term debt | — | 305.3 m | — | SEC (XBRL)· 13 Nov 2025verified |
| Long-term debt | — | 167.9 m | 230.1 m | SEC (XBRL)· 16 Mar 2026verified |
| Current liabilities | — | 625.5 m | 846.0 m | SEC (XBRL)· 16 Mar 2026verified |
| Total liabilities | — | 796.2 m | 1.1 bn | SEC (XBRL)· 16 Mar 2026verified |
| Equity | 222.4 m | 363.4 m | 1.2 bn | SEC (XBRL)· 16 Mar 2026verified |
Cash flow · USD
| Line | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|
| Operating cash flow | -33.4 m | -127.0 m | 62.6 m | SEC (XBRL)· 16 Mar 2026verified |
| Investing cash flow | -17.6 m | -37.4 m | -61.3 m | SEC (XBRL)· 16 Mar 2026verified |
| Financing cash flow | 65.8 m | 336.1 m | 918.0 m | SEC (XBRL)· 16 Mar 2026verified |
| Share repurchases | 0 | 1.0 m | 0 | SEC (XBRL)· 16 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- indicators available: 4 of at least 6
- score weight coverage: 31.2% of at least 60%
A scoring methodology on indicators and valuation, not investment advice.
Closing price
05 Nov 2026Source: olivLaw, closing series
Market cap: unavailable
Key indicators
Coverage and freshness
Score by group
31% · Insufficient data
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 2.70 – 10.99 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · input data missing
- Peers: EV/EBITDAunavailable · input data missing
- Peers: P/E2.70 – 10.99 (Mid 6.43)4 companies used · median multiple 6.9x · quartiles 2.9x – 11.8xFINV, ONIT, PFSI, TREE
- Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: indicators available: 4 of at least 6; score weight coverage: 31.2% of at least 60%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | 58.0% | 100 (on a fixed band) | 33% |
| Net margin · Quality | 33.5% | 75 (vs peers) | 20% |
| FCF conversion · Quality | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | 1.9x | 88 (on a fixed band) | 13% |
| P/E (TTM) · Valuation | 22.5x | 34 (on a fixed band) | 33% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial88/100 · 1/3 factors with a value
- Growth· partialunavailable · 0/2 factors with a value
- Quality91/100 · 2/3 factors with a value
- Returns· partialunavailable · 0/2 factors with a value
- Valuation· partial34/100 · 1/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
FIGURE TECHNOLOGY SOLUTIONS, INC. (FIGR). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: revenue 506.9 m USD in 2025; YoY growth 48.7%; net margin 33.5%; ROE 16.8%.
The estimated value range is 2.70–10.99 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 6.43 USD, the price of 20.90 USD leaves a potential of -69.2% (value / price − 1) and a margin of safety of -224.9% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
Insufficient data for a verdict (indicators available: 4 of at least 6; score weight coverage: 31.2% of at least 60%).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROIC: 58.0%
- Net margin: 33.5%
- Current ratio: 1.9x
What contradicts it
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): FCF conversion, Revenue CAGR 3Y, EPS CAGR 3Y, Net debt / EBITDA, Interest coverage, EV/EBITDA, FCF yield, Shareholder yield (distributions), Payout ratio (FCF).
Versus the vertical median
Nondepository credit (SIC 616x) · same industry group (3-digit SIC) · compared with 8 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| PFSIPennyMac Financial Services, Inc. | 3.5 bn | 15.1 | 5.6% | 640.7% | −25.2% | −50% / −14% |
| FOAFinance Of America Companies Inc. | 803.7 m | — | -0.1% | -0.1% | +26.1% | −46% / +40% |
| TREELendingTree, Inc. | 543.8 m | 3.1 | 82.8% | 14.3% | +24.1% | −32% / +119% |
| BETRBetter Home & Finance Holding Company | 360.1 m | — | -267.7% | -112.6% | +52.0% | −61% / −17% |
| ONITOnity Group Inc. | 263.3 m | 2.3 | 23.0% | 11.1% | +9.3% | −28% / +25% |
| UWMCUWM Holdings Corp | 168.1 m | — | -2.7% | -1.0% | +18.2% | −72% / −70% |
| BLNEBeeline Holdings, Inc. | 20.0 m | — | -41.1% | -215.3% | +600.0% | −70% / −95% |
| FINVFinVolution Group | — | 10.7 | 16.3% | 2,679.2% | +3.9% | −42% / −35% |
| FIGRFigure Technology Solutions, Inc. | — | 22.5 | 16.8% | 33.5% | +48.7% | −46% / unavailable |
1- and 3-year price returns: for FIGR from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Figure Technology Solutions is a blockchain-based capital marketplace that automates the origination, funding and trading of loans, with a focus on HELOC home equity credit. The company turned profitable in 2025 and is expanding through the Kiavi acquisition and growing volume on Figure Connect.
SWOT
Strengths
- The blockchain platform automates origination and reduces the time and cost of processing loans, giving an efficiency advantage over legacy systems 1.
- The company holds a broad portfolio of lending, servicing and money transmitter licences that it says competitors cannot easily replicate 1.
- The partner network and Figure Connect create network effects, and the business became profitable in 2025 1.
Weaknesses
- Revenue is concentrated in the HELOC product, so the company is highly exposed to swings in that market 1.
- Partners have no long-term contractual financial commitments and can stop using the platform without material termination charges 1.
- The company has a history of losses and a relatively short operating track record 1.
Opportunities
- Expansion into investor real estate lending through Kiavi and growth in Figure Connect could diversify revenue sources 23.
- The OPEN network and blockchain-based equity trading could open new services for issuers and investors 2.
- Democratized Prime could attract more lenders if users recognise the benefits of the model 1.
Risks
- Dependence on HELOCshigh
Most revenue comes from the HELOC product, so a fall in demand in this market would directly affect results 1.
- Kiavi integrationmedium
The acquisition depends on closing conditions, a pre-closing restructuring and government licences, and integration could prove harder than expected 2.
- New debtmedium
The issuance of senior notes at a high coupon adds interest expense, and sensitivity to credit conditions could increase 2.
- Regulation and licensingmedium
Lending, servicing and digital asset activity is subject to complex rules, and shifting enforcement priorities could add costs 3.
- Internal controlslow
The company states it must remediate previously identified material weaknesses, which could weigh on investor confidence 3.
Investment thesis
What would need to be true (bull case)
- If loan volume and Figure Connect keep growing, fee revenue could become a larger part of the business and support profitability 13.
- The blockchain platform's cost and speed advantage could attract new partners and strengthen its position in the HELOC market 1.
- Expansion into new products such as YLDS and OPEN could create additional revenue and liquidity sources 12.
What would break the thesis
- Heavy reliance on HELOCs leaves the company exposed to changes in the housing market and interest rates 1.
- The Kiavi acquisition and new debt could raise financial risk if integration or results fall short of expectations 2.
- Digital asset markets are volatile, and competition from stablecoin issuers and exchanges could limit growth 1.
What to watch
- Third-quarter results including the Kiavi contributionQ3 2026
- Consumer Loan Marketplace volume and Figure Connect after Kiavi is includedQ3 2026
- Completion of the Kiavi integration and closing conditions2026
- Adoption of the OPEN network and trading of Blockchain Stocknext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Figure builds blockchain-based capital market infrastructure that replaces legacy loan approval and transaction processing. Its Loan Origination System (LOS) cuts the cost of producing a loan to approximately 717 USD per loan in fiscal 2025, compared with a mortgage industry average of 11,109 USD 1. The company reported net income of 134.3 million USD for 2025 1.
Revenue comes from fees paid by partners that use the LOS and Figure Connect, from volume-based fees, and from origination, gain-on-sale and servicing revenue. In 2025, about 71% of net revenue came from LOS-related sources, while Figure Connect and newer products grew faster 1.
The company has launched Figure Connect, Democratized Prime and YLDS, an SEC-registered interest-bearing stablecoin, and in February 2026 it launched the OPEN network for issuing and trading equity on blockchain 12. The Kiavi acquisition, announced in June 2026, extends the business to investors who buy, renovate and resell residential properties 2.
Segments
Market context
The filing describes the consumer credit market as about 2 trillion USD and the cryptocurrency and digital asset market as about 3 trillion USD 1. The HELOC market is supported by rising home equity balances, and banks reduced their focus on the product in 2023 1.
Tokenization of real-world assets and stablecoins is becoming a distinct market category, with US regulation still changing. The company says it leads real-world asset tokenization, but that position depends on how the regulatory framework develops 3.
Trends
- Rising consumer loan volumetailwind
Consumer loan volume grew strongly in recent quarters, supporting fee and volume revenue. If this pace is sustained, it could support revenue growth from Figure Connect.
- Supportive regulatory sentiment for digital assetsmixed
Regulatory sentiment toward cryptocurrencies has become more favorable in the US, which could accelerate adoption of YLDS and the digital asset platform, but it also attracts new competitors 1.
- Interest rate and housing market sensitivityheadwind
Activity depends on interest rates and home values. The company expects the impact of rates on its business to decrease, but higher funding costs could reduce originations.
- Kiavi integrationmixed
The Kiavi acquisition adds origination volume, but integration and closing conditions, including regulatory licences, could delay the benefits the company has announced 23.
Competitive position
The company competes with originators' proprietary systems, third-party digital origination vendors, and both depository and non-depository lenders. It says no competitor offers an equivalent platform, but warns that well-resourced new entrants from financial technology could emerge 1.
In digital assets, the main rivals are centralized crypto exchanges, while for stablecoins they are other issuers and money market products. The company notes rising competitive tension as new players enter 1.
- Other loan origination technology providers
Firms that help financial institutions digitize loan origination and sale, including newer vendors focused on lending software.
- Centralized cryptocurrency exchanges
Main rivals to Figure Exchange, expanding into bundled services that capture more of the value chain.
- Stablecoin issuers
Compete with YLDS, and their entry raises competitive pressure in the stablecoin segment.
- Depository and non-depository mortgage and consumer lenders
Offer consumer loans and HELOCs, some of which may be priced more competitively than Figure's products.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
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News & filings
In the press
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- Senior PKK figure says Turkey’s peace process is ‘frozen,’ blames gov’t inactionTurkish Minute (TR, EN, exil) · 29 Oct 2026 · EN
- Billionaire Samueli Family Strikes 9-Figure Deal for TeamLab Museum in AnaheimBloomberg Markets · 29 Oct 2026 · EN
- Ong Teng Cheong 'stress-tested' EP scheme, showed that establishment figure can act independently: JayakumarCNA (Channel NewsAsia) · 28 Oct 2026 · EN
- Guardian and ITN have ‘duty to public and sources’ to publish sexual allegations against well-known figure, court hearsThe Guardian World · 28 Oct 2026 · EN
- Meta Earnings Per Share Were $3 . 83 but the Real Figure Tells a Surprising StorySurge — GDELT DOC · 22 Oct 2026 · RO
- Möbius Aromatic Figure-Eight Knotted Three-Dimensional Covalent Organic FrameworksJournal of the American Chemical Society · 22 Oct 2026 · EN
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- NOVUS secures eight-figure funding to take its electric Lightbike from Germany to CaliforniaTech.eu · 19 Oct 2026 · EN
- JUST IN - Rwandan opposition figure found beheaded in Uganda: Uganda police READ…Telegram — Insider Paper (EN, defense leaks) · 19 Oct 2026 · EN
- Russian figure skater Kamila Valieva reportedly returns to coach Eteri TutberidzeMeduza English (independent RU/exile) · 19 Oct 2026 · EN
- Youll figure it out : Trump defends Russia sanctions waiver as Republicans , Democrats criticise decisionSurge — GDELT DOC · 18 Oct 2026 · RO
- No. of deepfake sex videos up for review exceeds last year's figure in 8 monthsYonhap News (KR, EN) · 17 Oct 2026 · EN
- Pro - Cruz PAC launches seven - figure Spanish - language ad buy attacking TalaricoSurge — GDELT DOC · 17 Oct 2026 · RO
- Voto Latino reveals 6-figure Texas investment alongside Talarico, Hinojosa eventThe Hill · 16 Oct 2026 · EN
- Six-figure payout for senior civil servant sacked over Peter Mandelson vettingThe Guardian World · 16 Oct 2026 · EN
- Graffiti artist honours Spain’s housing rights figure ‘Maricarmen’Al Jazeera English · 10 Oct 2026 · EN
- Retail trade turnover during 8M 2026 above last-year figure — Russian Industry MinistryTASS (RU, EN) · 08 Oct 2026 · EN
SEC filings
- Current report07 Oct 2026Results of operations · Financial statements and exhibits
- Current report01 Sept 2026Acquisition or disposition of assets
- Quarterly report14 Aug 2026
- Current report13 Aug 2026Results of operations · Financial statements and exhibits
- Current report14 Jul 2026Material agreement · Creation of a direct financial obligation · Financial statements and exhibits
- Current report10 Jul 2026Other events · Financial statements and exhibits
- Current report07 Jul 2026Results of operations · Financial statements and exhibits
- Current report06 Jul 2026Other events · Financial statements and exhibits
- Current report10 Jun 2026Material agreement · Financial statements and exhibits
- Current report10 Jun 2026Shareholder vote
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Figure Technology Solutions, Inc. · 16 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Figure Technology Solutions, Inc. · 14 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Figure Technology Solutions, Inc. · 07 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.