FIGR

Figure SolutionsC

Nasdaq / Financial Services

At close

2026-07-21

Current thesis

The checked primary source supports a real earnings step-up: revenue nearly doubled, margins expanded sharply, Consumer Loan Marketplace volume more than doubled, and management issued a specific Q2 volume guide above Q1 run-rate [#8-K-2026-05-12].

Posture

Mixed

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -9.6.

What can break

Loans held for sale were $504M at quarter-end, so market volatility or weaker liquidity could pressure funding, margins, or balance-sheet optics if loan turnover slows [#8-K-2026-05-12].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $46.00 · Bull $54.00 · Bear $32.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-14 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $49.56

Why

Momentum20 · Δ7d +11.1

Value46 · Δ7d -0.0

Sentiment79 · Δ7d -9.6

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+11.1

Δ21d

+18.0

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

+1.0

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-9.6

Δ21d

-9.8

Why this grade

Composite grade C. Momentum 19.8 / Value 45.6 / Sentiment 78.9

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$6.94B

Beta

Shares Out

220.52M

P/E (TTM) · Derived

109.8

P/S (TTM)

P/FCF (TTM)

Rev YoY

+62.1%

EPS YoY

+583.7%

Gross Margin

+82.6%

Op Margin

Net Debt

-$417.09M

Current Ratio

1.47

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology