Figure Technology Solutions reported Q4 revenue of $159.9M (vs. $83.9M year-ago) and GAAP net income of $15.1M with EPS $0.06, below analysts' expected $0.18 on $157.7M revenue. Consumer Loan Marketplace volume rose to $2.7B from $1.2B. Full-year revenue was $506.9M and net income $134.3M. The company authorized a $200M share-repurchase program. Shares fell about 20% to $27.12 after the release; the article notes this volatility in the context of recent crypto-linked IPO activity.

Revenue modestly exceeded the $157.7M estimate at $159.9M, while EPS missed materially ($0.06 vs. $0.18 expected); the company announced a $200M buyback and shares dropped ~20% to $27.12. These are concrete, market-moving earnings facts that explain the stock selloff.