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FIGR · NASDAQ · Financial - Capital Markets

Figure

Connects loan origination, capital distribution, and blockchain-based digital-asset markets.

$36.01

After-hours close−0.02 (−0.06%)

At close$36.03(−5.23%)

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Profile

Figure Technology Solutions, Inc. Class A Common StockFIGRFinancials

A technology-enabled loan-origination system is paired with Figure Connect, a marketplace that links originators with capital-markets partners. The platform also operates blockchain-based digital-asset and credit exchange products, including interest-bearing stablecoin deposits.

Technology-enabled loan origination is paired with Figure Connect, a distribution marketplace that provides access to capital-markets partners. Together, this Technology Offering connects consumer-credit origination, funding, and loan distribution through a single system.

Blockchain technology also underpins an exchange for digital assets and credit. Products include interest-bearing stablecoin deposits, extending the platform beyond its core consumer-loan marketplace and into tokenized market activity.

Formed through the recombination of the loan marketplace with Figure Markets, the current structure combines consumer-credit distribution with a digital-asset and credit exchange. The business is shaped by the use of blockchain-based products to promote efficiency and liquidity in financial markets.

Company facts

CEOMichael Tannenbaum

ListedSep 12, 2025

ExchangeNASDAQ

HeadquartersReno, NV

CountryUnited States

Employees602

CIK0002064124

ISINUS3493811034

Key statistics

Market cap$6.58B

EPS (ttm)$0.7600

P/E (ttm)47.43

ROE18.6%

P/B5.60

P/S9.23

Dividend yield—

Beta2.90vs XLF 0.49

Year to date −17.6% · Average volume (30d) 4.0M

Analysts

Price target, next 12 months$60.00+66.4%Median of 7 analysts · vs the Aug 28 close

ConsensusBuy6 of 7 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $36.05

High$65.00+80.3%

Median$60.00+66.4%

Low$55.00+52.6%

11 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Jul 15, 2026	Piper Sandler	Reiterate	Overweight	$75	$65
Mar 10, 2026	Mizuho Securities	Target		$65	$55
Feb 13, 2026	Goldman Sachs	Target		$57	$49
Feb 5, 2026	Goldman Sachs	Target		$66	$57
Jan 20, 2026	Goldman Sachs	Target		$50	$66

Earnings

EPS

Estimate$0.32

ReportedDue Nov 12, 2026

Revenue

Estimate$244.9M

ReportedDue Nov 12, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 13, 2026Q2 FY26	$0.24	$0.37	+52.6%	$208.2M	$218.4M	+4.9%	+3.91%
May 11, 2026Q1 FY26	$0.18	$0.18	0.0%	$159.5M	$167.0M	+4.7%	+1.36%
Feb 26, 2026Q4 FY25	$0.13	$0.06	−53.8%	$155.2M	$157.6M	+1.5%	−25.73%
Nov 13, 2025Q3 FY25	$0.16	$0.34	+110.3%	$119.4M	$156.4M	+31.0%	+16.33%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$55.4M	$95.1M	$134.9M	$223.2M	$167.0M	$188.2M
Gross profit	$48.9M	$88.5M	$126.2M	$198.0M	$145.6M	$150.8M
Operating income	$8.1M	$27.7M	$52.7M	$65.0M	$58.8M	$97.1M
Net income	−$820.0K	$29.9M	$89.6M	$15.2M	$44.9M	$87.4M
Diluted EPS	−$0.00	$0.07	$0.17	$0.06	$0.18	$0.35
Gross margin	88.3%	93.1%	93.5%	88.7%	87.2%	80.1%
Operating margin	14.6%	29.2%	39.1%	29.1%	35.2%	51.6%

Fiscal years (4-quarter sums)FY25 $508.6M

Balance sheet, Jun 30, 2026Cash & short-term investments $1.44B · Total debt $1.47B · Total assets $3.02B · Shareholders' equity $1.41B

Dividends

No dividends on record.

Ownership

Institutions 66.20%120.90M sharesInsiders 18.99%34.68M sharesOther 14.81%27.04M shares

Shares outstanding 182.62M · Float 118.53M · 64.9% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Michael Scott Cagney	53.70M	24.20%	13G	Nov 7, 2025
Michael Scott Cagney · director, 10 percent owner:	15.22M	8.34%	Form 4	Aug 12, 2026
JPMorgan Chase & Co	11.27M	6.17%	13F	Aug 12, 2026
Ribbit Management Company, LLC	11.25M	6.16%	13F	Aug 14, 2026
Ribbit Capital IV, L.P.	11.25M	6.40%	13G	Nov 14, 2025

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 24, 2026	Minchung Kgil	officer: Chief Financial Officer	−8,000	$38.69
Aug 14, 2026	David Todd Stevens	officer: Chief Capital Officer	−47,650	$31.38
Aug 12, 2026	Minchung Kgil	officer: Chief Financial Officer	−4,000	$30.03
Jul 24, 2026	Minchung Kgil	officer: Chief Financial Officer	−4,000	$28.13
Jun 30, 2026	Minchung Kgil	officer: Chief Financial Officer	−4,000	$30.03