FIGR

Figure SolutionsC

Nasdaq / Financial Services

At close

2026-07-22

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 -8.5.

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 2026-07-22

Fundamentals

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

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

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

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $49.56

Why

Momentum19 · Δ7d +5.8

Value46 · Δ7d +0.3

Sentiment83 · Δ7d -8.5

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

+5.8

Δ21d

+12.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+1.4

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-8.5

Δ21d

-4.7

Why this grade

Composite grade C. Momentum 19.5 / Value 45.8 / Sentiment 82.8

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 2026-07-22 • Updated nightlySource: Internal modelMethodology