Figure CFO exercises options for 20,746 shares at $4.82

The CFO exercised stock options to acquire 20,746 FIGR Class A shares, increasing her direct equity stake without a reported trading plan.

Rhea-AI Filing Summary

Figure Technology Solutions, Inc. (FIGR) Chief Financial Officer Minchung Kgil exercised stock options on September 11, 2026 to acquire 20,746 shares of Class A Common Stock at an exercise price of $4.82 per share. The exercise reduced a stock option position by 20,746 options, leaving 654,254 options outstanding and increased direct common stock holdings to 481,067 shares. No Rule 10b5-1 trading plan is reported for these transactions.

Insider Trade Summary

20,746 shares exercised/converted

Exercise 2 txns

Insider Kgil Minchung

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Exercise	Stock Option F1	20,746	$0.00	$0.00
Exercise	Class A Common Stock	20,746	$4.82	$100K

Holdings After Transaction: Stock Option — 654,254 contracts (Direct); Class A Common Stock — 481,067 shares (Direct)

Footnotes (1)

1. F1. The option vests with respect to one quarter of the underlying shares on December 2, 2025, and with respect to the remaining shares in 36 monthly installments thereafter.

Key Figures

Options Exercised: 20,746 options Exercise Price: $4.82 per share Shares Acquired: 20,746 shares +3 more

6 metrics

Options Exercised 20,746 options Stock option exercise on September 11, 2026

Exercise Price $4.82 per share Exercise price for 20,746 options into Class A Common Stock

Shares Acquired 20,746 shares Class A Common Stock received from option exercise on September 11, 2026

Shares Held After Transaction 481,067 shares Direct Class A Common Stock holdings of CFO after the transaction

Options Held After Transaction 654,254 options Remaining stock options following the September 11, 2026 exercise

Vesting Start December 2, 2025 One quarter of option shares vest on this date; remainder monthly thereafter

Key Terms

Stock Option, Class A Common Stock, Exercise or conversion of derivative security

3 terms

Stock Option financial

"The option vests with respect to one quarter of the underlying shares"

A stock option is a contract that gives you the right to buy or sell a company's stock at a specific price within a certain time frame. People use them to potentially make money if the stock's price moves favorably or to protect against losses. It's like holding a coupon that can be used to buy or sell stock at a set price later on.

Class A Common Stock financial

"underlying security title: Class A Common Stock"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

Exercise or conversion of derivative security financial

"transaction code description: Exercise or conversion of derivative security"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did FIGR’s CFO Minchung Kgil report in this Form 4?

The filing reports that the CFO exercised stock options for 20,746 shares of Figure Technology Solutions, Inc. Class A Common Stock on September 11, 2026, at an exercise price of $4.82 per share, increasing her direct share ownership.

How many FIGR shares does the CFO hold after this transaction?

After the September 11, 2026 option exercise, the CFO holds 481,067 shares of Figure Technology Solutions, Inc. Class A Common Stock directly.

How many stock options does the FIGR CFO still hold after the exercise?

Following the reported exercise of 20,746 options, the CFO holds 654,254 stock options on Figure Technology Solutions, Inc., according to the post-transaction derivative holdings line.

What was the exercise price of the FIGR stock options exercised by the CFO?

The CFO exercised stock options for 20,746 shares of Class A Common Stock at an exercise price of $4.82 per share on September 11, 2026.

Was a Rule 10b5-1 trading plan used for this FIGR Form 4 transaction?

No. The filing indicates no Rule 10b5-1 trading plan was reported in connection with the September 11, 2026 option exercise and related share acquisition.

What is the vesting schedule of the FIGR stock options involved in this Form 4?

A footnote states the option vests for one quarter of the underlying shares on December 2, 2025, with the remaining shares vesting in 36 monthly installments thereafter.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/15/2026 - 04:50 PM Accepted by SEC EDGAR 09/15/2026 - 04:49 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Kgil Minchung

(Last) (First) (Middle)

C/O FIGURE TECHNOLOGY SOLUTIONS, INC.

100 WEST LIBERTY STREET, SUITE 600

(Street)

RENO NEVADA 89501

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Figure Technology Solutions, Inc. [ FIGR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/11/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	09/11/2026		M		20,746	A	$4.82	481,067	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option	$4.82	09/11/2026		M			20,746	(1)	12/02/2034	Class A Common Stock	20,746	$0	654,254	D

Explanation of Responses:

1. The option vests with respect to one quarter of the underlying shares on December 2, 2025, and with respect to the remaining shares in 36 monthly installments thereafter.

	/s/ Macrina Kgil	09/15/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)