Figure Technology Solutions (NASDAQ:FIGR) Shares Gap Down After Earnings Miss

Figure Technology Solutions, Inc. (NASDAQ:FIGR) gapped down before the market opened on Friday following a dissappointing earnings announcement. The stock had previously closed at $34.04, but opened at $30.89. Figure Technology Solutions shares last traded at $28.35, with a volume of 4,319,057 shares traded.

The company reported $0.06 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.13 by ($0.07). The business had revenue of $157.63 million during the quarter, compared to the consensus estimate of $158.00 million. The company’s revenue for the quarter was up 90.7% compared to the same quarter last year.

Figure Technology Solutions News Roundup

Here are the key news stories impacting Figure Technology Solutions this week:

• Positive Sentiment: Strategic partnership to enter auto lending expands addressable market and Figure Connect use cases — Agora Data deal brings AI-driven auto finance assets to Figure’s tokenized marketplace, opening a pathway into a large consumer-credit market. Figure Announces Strategic Partnership with Agora Data
• Positive Sentiment: Agora Data + Figure jointly launching the first blockchain-based auto-loan platform signals expansion of tokenized real‑world assets beyond mortgages and HELOCs, supporting future origination and securitization volume growth. Agora Data and Figure Launch Auto‑Loan Platform
• Positive Sentiment: Board authorized a $200 million share repurchase program — a direct capital-return lever that can support the stock if management executes repurchases. Q4 Results & Repurchase Program
• Positive Sentiment: Technology validation — Figure completed the world’s first fully on‑chain equity trade with BitGo, reinforcing its blockchain-native differentiation that investors who value innovation may reward. On‑Chain Equity Trade with BitGo
• Neutral Sentiment: Q4 revenue grew ~90.7% year-over-year to $157.6M, demonstrating strong top-line momentum even as profitability metrics missed estimates; investors will parse quality of growth versus margins. Q4 Earnings Report
• Neutral Sentiment: Analyst and investor commentary is mixed: bullish writeups highlight expanding loan types and tokenization roadmap into auto loans, which could be multi‑year catalysts. Seeking Alpha Buy Thesis
• Positive Sentiment: Options flow shows heavy call buying, indicating speculative or institutional bullish positioning ahead of/after the print. High Call Option Volume
• Negative Sentiment: EPS missed consensus ($0.06 vs $0.13 expected), which is the primary near‑term driver of downward pressure as investors re‑weigh profit conversion and near‑term margins. Earnings Miss Coverage
• Negative Sentiment: Needham cut its 12‑month price target from $71 to $55 (still a Buy) — a reduced analyst upside view that can temper momentum and lead some holders to trim positions. Needham Price Target Cut

Analyst Ratings Changes

Several research analysts have commented on the stock. Sanford C. Bernstein upped their target price on shares of Figure Technology Solutions from $54.00 to $72.00 and gave the stock an “outperform” rating in a research report on Tuesday, January 13th. Keefe, Bruyette & Woods reduced their price target on Figure Technology Solutions from $62.00 to $55.00 and set an “outperform” rating for the company in a research report on Friday. Needham & Company LLC decreased their price target on Figure Technology Solutions from $71.00 to $55.00 and set a “buy” rating for the company in a research note on Friday. Zacks Research cut shares of Figure Technology Solutions from a “strong-buy” rating to a “hold” rating in a research note on Wednesday, February 4th. Finally, Weiss Ratings cut shares of Figure Technology Solutions from a “hold (c-)” rating to a “sell (d+)” rating in a research note on Wednesday, February 11th. One investment analyst has rated the stock with a Strong Buy rating, six have issued a Buy rating, two have assigned a Hold rating and two have assigned a Sell rating to the stock. Based on data from MarketBeat.com, Figure Technology Solutions has a consensus rating of “Moderate Buy” and a consensus target price of $56.63.

Insider Buying and Selling at Figure Technology Solutions

In related news, Director June Ou sold 200,058 shares of Figure Technology Solutions stock in a transaction on Wednesday, December 10th. The stock was sold at an average price of $39.40, for a total value of $7,882,285.20. The sale was disclosed in a legal filing with the SEC, which is available through this hyperlink. Also, Director David K. Chao bought 4,000 shares of Figure Technology Solutions stock in a transaction dated Friday, December 5th. The shares were bought at an average cost of $38.26 per share, with a total value of $153,040.00. Following the completion of the acquisition, the director owned 4,000 shares of the company’s stock, valued at $153,040. The trade was a ∞ increase in their ownership of the stock. Additional details regarding this purchase are available in the official SEC disclosure. Over the last quarter, insiders sold 723,136 shares of company stock worth $27,113,723.

Hedge Funds Weigh In On Figure Technology Solutions

Hedge funds and other institutional investors have recently added to or reduced their stakes in the company. Global Retirement Partners LLC acquired a new stake in Figure Technology Solutions during the 4th quarter worth about $25,000. Strs Ohio purchased a new stake in shares of Figure Technology Solutions in the fourth quarter worth approximately $34,000. MetLife Investment Management LLC acquired a new stake in shares of Figure Technology Solutions during the fourth quarter worth approximately $35,000. Flagship Harbor Advisors LLC purchased a new position in Figure Technology Solutions during the fourth quarter valued at approximately $40,000. Finally, Johnson Financial Group Inc. purchased a new stake in Figure Technology Solutions in the 4th quarter worth approximately $41,000.

Figure Technology Solutions Stock Performance

The firm’s 50 day simple moving average is $48.35. The company has a current ratio of 2.26, a quick ratio of 2.26 and a debt-to-equity ratio of 0.17. The company has a market capitalization of $4.81 billion and a P/E ratio of 80.32.

About Figure Technology Solutions

Figure is building the future of capital markets using blockchain-based technology. Figure’s proprietary technology powers next-generation lending, trading and investing activities in areas such as consumer credit and digital assets. Our application of the blockchain ledger allows us to better serve our end-customers, improve speed and efficiency, and enhance standardization and liquidity. Using our technology, we continue to develop dynamic, vertically-integrated marketplaces across the approximately $2 trillion consumer credit market and the rapidly growing approximately $4 trillion cryptocurrency and digital asset market.