FIGURE TECHNOLOGY SOLUTIONS INC (FIGR)
NASDAQFinancialsFinancial - Capital MarketsSnapshot 2026-09-04
$35.96-0.69%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Capital MarketsSnapshot 2026-09-04
QuarterlyIQ Insights · FIGR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 116.0% |
| Our one-year growth estimate | diamond | 42.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 247 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 73.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 27 industry peers · Company calendar date is not available
FIGR — capital allocation — Forward Looking Statements Certain information contained or incorporated by r…
Dated 2026-07-14
Forward Looking Statements Certain information contained or incorporated by reference in this Current Report on Form 8-K constitutes forward-looking statements for purposes of the safe harbor provisions under the Private Securities Litigation Reform Act of 1995. Forward-looking statements include statements concerning plans, objectives, goals, strategies, expectations, intentions, projections, developments, future events, performance, underlying assumptions and other statements that are other…
Why it matters: A drop in revenue growth could impact FIGR's performance and investor sentiment.
Worry ifSector revenue growth drops below its median for the first time in three years.
Less concerning ifSector revenue growth remains stable or improves above the median.
Why it matters: Guidance for Q3 volume between $4.8 billion and $5.2 billion shows growth expectations. This will indicate if the strong growth trend continues.
Supportive ifQ3 Consumer Loan Marketplace volume is over $5.2 billion.
Worry ifQ3 Consumer Loan Marketplace volume is under $4.8 billion.
Why it matters: The debt issuance is a key capital allocation move. Its impact on cash flow will be important.
Watch forFunds from the debt issuance will go to growth projects.
Also watch forHigher debt servicing costs are affecting profits.
Why it matters: Changes in $YLDS circulation may show shifts in demand for Figure's products.
Watch for$YLDS in circulation goes up from $556 million.
Also watch for$YLDS in circulation fell below $556 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$344 on $10,000 · ±3.4% | How much price usually moves either way. |
| Bad day | $943 loss on $10,000 · 9.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $6,630 loss on $10,000 · 66.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Successful issuance will fund the Kiavi Acquisition. It will also help growth plans.
Supportive ifThe notes are issued and funds are received by July 14, 2026.
Worry ifThe issuance is delayed or fails to close as planned.
Why it matters: How the company uses these funds will impact its growth strategy and financial health.
Watch forThe company says it is using net proceeds well for the Kiavi acquisition.
Also watch forFunds are not used as planned. This shows possible financial mismanagement.
Why it matters: The acquisition will expand Figure's platform and product offerings. This is key for future growth.
Supportive ifThe acquisition of Kiavi is completed as planned by the end of Q3 2026.
Worry ifThe acquisition is delayed or canceled. This may mean there are problems with operations.
Why it matters: Growth in this area is important for Figure's performance. It shows market demand.
Watch forConsumer Loan Marketplace volume grows year-over-year by more than 100% in Q3 2026.
Also watch forVolume growth falls below 100% year-over-year in Q3 2026.
Why it matters: Better efficiency can help make more money. Investors want to see cost control and growth.
Watch forOperational costs as a part of Consumer Loan Marketplace volume go down more in Q3 2026.
Also watch forOperational costs increase as a percentage of volume in Q3 2026.