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FIGR

Figure SolutionsB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 net revenue grew 113% year over year to $226 million, while Figure Connect reached 65% of marketplace volume. Sustained volume growth, partner activity and successful Kiavi integration could support further operating leverage.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +19.5.
What can break
Kiavi integration may underdeliver while Figure bears financing costs on $600 million of 8.5% senior notes. [#8-K-2026-09-01]
Momentum
5
Value
46
Sentiment
82
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $43.00 · Bear $20.00Analysis 2026-09-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-09-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $49.82
Why
Momentum5 · Δ7d -5.0
Value46 · Δ7d +0.2
Sentiment82 · Δ7d +19.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +19.5.

Contradictions & invalidation

  • • Kiavi integration may underdeliver while Figure bears financing costs on $600 million of 8.5% senior notes. [#8-K-2026-09-01]
  • • Loan performance, access to funding and loan buyers, housing-market conditions, and digital-asset regulation remain material operating risks. SEC Q2 earnings exhibit
  • • The lower Q2 net take rate, credit and funding sensitivity, and the cost and execution risk of debt-funded Kiavi integration could weaken returns despite rising transaction volume.

Catalyst clock

2026-10-06

Q3 marketplace volume against guidance

Lead driver: Sentiment · See AI snapshot
Momentum
5
8% active weight
Current posture
7d trendFlat
Δ7d
-5.0
Δ21d
-41.0
Value
46
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+1.3
Sentiment
82
45% active weight
Current posture
7d trendImproving
Δ7d
+19.5
Δ21d
+17.4
Why this grade

Composite grade B. Momentum 5.3 / Value 46.1 / Sentiment 81.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-09-29. Scenario method

B+
Bull case
25%
Probability
Target price
$43.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$20.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$5.2B
Beta
-
Shares Out
224.38M
P/E (TTM) · Derived
80.9
P/S (TTM)
-
P/FCF (TTM) · Derived
-0.60
Rev YoY
+80.7%
EPS YoY
+911.7%
Gross Margin
+82.7%
Op Margin
+42.1%
Net Debt
-$417.09M
Current Ratio
1.40
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data