Stocks · Financial Services · Financial - Capital Markets
Figure Technology Solutions, Inc. Class A Common Stock FIGR
$28.53 -0.04% Close, Oct 2, 2026 · NASDAQ · Market cap $5.21B
Weak trendExpensive vs sectorHigh risk
Next earnings report: Nov 12, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 19.7% in a year.
- The stock is 61% below its highest close of the past year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 17%
- Gross marginTop 7%
- Operating marginTop 16%
- Cash conversion (OCF / net income)Bottom 2%
- Accruals (lower is better)Bottom 1%
- Net debt / EBITDA (lower is better)Top 32%
- Interest coverTop 21%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 29%
- Free-cash-flow yieldBottom 2%
- EBITDA / enterprise valueBottom 43%
- Sales / enterprise valueBottom 17%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 15%
- 6-month returnBottom 6%
- 1-year return vs S&P 500Bottom 13%
- Distance from 52-week highBottom 3%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 11%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 8%
- Upside to consensus price targetTop 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 5%
- Maximum drawdown, 3 yearsBottom 9%
- Beta vs S&P 500 (lower is better)Bottom 4%
- Net debt / EBITDA (lower is better)Top 32%
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Gross margin | 87.0% | — | Top 7% | |
| Operating margin | 38.4% | — | Top 16% | |
| Net margin | 33.2% | — | — | |
| Free-cash-flow margin | -565.3% | — | — | |
| Return on invested capital | 9.1% | — | Top 17% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -2.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 141.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 7.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.13×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -13.08%
- Shareholder yield
- -13.08%
- Share count change, 1 year
- +19.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 14, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 2 of 4
- Average EPS surprise, last 4
- +26.4%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 2 of 4
Analysts
- Consensus price target
- $65.00
- Target vs current price
- +127.8%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 86%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 13, 2026 | +52.6% | +3.9% | +20.1% | +19.2% | — |
| May 11, 2026 | -3.3% | +3.6% | +15.0% | -26.0% | -23.7% |
| Feb 26, 2026 | -53.8% | -1.8% | -12.0% | -10.0% | -0.8% |
| Nov 13, 2025 | +110.3% | -7.3% | -0.3% | +12.7% | +4.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 13, 2026 | $0.37 | $0.24 | +52.6% | $218.4M |
| May 11, 2026 | $0.18 | $0.19 | -3.3% | $167.0M |
| Feb 26, 2026 | $0.06 | $0.13 | -53.8% | $157.6M |
| Nov 13, 2025 | $0.34 | $0.16 | +110.3% | $156.4M |
| Sep 2, 2025 | $0.07 | — | — | $111.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 37.5× | — | — | Bottom 29% |
| P/E (forward) | 24.6× | — | — | — |
| EV / EBITDA | 19.1× | — | — | Bottom 43% |
| EV / Sales | 7.36× | — | — | Bottom 17% |
| Free-cash-flow yield | -77.39% | — | — | Bottom 2% |
| Earnings yield | 2.66% | — | — | Bottom 29% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- +3.9%
- 200-day average slope (20 days)
- -1.1%
- Distance from 50-day average
- -12.8%
- Distance from 200-day average
- -21.8%
- RSI (14)
- 35.9
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 80.0%
- Beta vs S&P 500 (2 years, weekly)
- 1.93
- Correlation with S&P 500
- 0.23
- Current drawdown from 1-year high
- -61.4%
- Maximum drawdown, 3 years
- -66.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 16, 2026 | Jul 31, 2026 | -66.3% | 134 days | Not yet recovered |
| Oct 8, 2025 | Nov 25, 2025 | -31.4% | 34 days | 26 days (Jan 5, 2026) |
| Sep 19, 2025 | Sep 30, 2025 | -19.1% | 7 days | 6 days (Oct 8, 2025) |
| Jan 8, 2026 | Jan 12, 2026 | -10.6% | 2 days | 3 days (Jan 15, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.21B
- P/E (TTM)
- 37.5
- EPS, diluted (TTM)
- $0.76
- Revenue (TTM)
- $713.3M
- 52-week range
- $24.11 – $78.00
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Revenue | $166.9M | $279.3M | $457.2M |
| Gross profit | $148.2M | $257.7M | $359.6M |
| Operating income | -$49.4M | $9.2M | $166.2M |
| Net income | -$47.9M | $17.2M | $133.9M |
| EPS (diluted) | -$0.12 | $0.04 | $0.44 |
| Q1 2024 | Q2 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.1M | $62.2M | $55.4M | $95.1M | $134.9M | $223.2M | $167.0M | $188.2M |
| Net income | -$29.9M | $14.3M | -$820,000 | $29.9M | $89.6M | $15.2M | $44.9M | $87.4M |
| EPS (diluted) | -$0.07 | $0.03 | -$0.00 | $0.07 | $0.17 | $0.06 | $0.18 | $0.35 |
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Operating cash flow | -$28.9M | -$136.0M | $62.6M |
| Capital expenditure | -$17.3M | -$16.6M | -$20.6M |
| Free cash flow | -$46.1M | -$152.6M | $41.9M |
| Dividends paid | -$345,000 | -$2.8M | $0 |
| Net share buybacks | $0 | -$1.0M | $667.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.44B
- Total assets
- $3.02B
- Total liabilities
- $1.60B
- Total debt
- $1.47B
- Net debt
- $36.9M
- Shareholders’ equity
- $1.41B
As of Jun 30, 2026 (filed Aug 14, 2026).
Short interest
- Shares sold short
- 13,772,923
- Days to cover
- 3.26
- Change vs previous report
- +21.1%
FINRA short interest, settlement date Sep 15, 2026.