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Figure Technology Solutions, In (FIGR) Stock Analysis

Range Bound setup

Buy WaitVALUE-TRAP 1/5Moderate Confidence

Financial Services · Capital Markets

Wait — supporting gate not met yet. Price is at or below entry $35.34 but weak momentum still blocks BUY_NOW. Key risks: Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%).

Figure Technology Solutions is a blockchain-based lending platform facilitating $8.3B in HELOC originations in 2025 through 307 active partners using its Loan Origination System recorded on Provenance Blockchain, generating $134.3M net income. HELOCs represent over 98% of loan... Read more

$35.31+33.3% A.UpsideScore 5.9/10#12 of 40 Capital Markets
QualityF-score7 / 9FCF yield0.98%
Entry $35.34(Ma50 Sticky)Stop $29.08Target $46.98(analyst − 13%)A.R:R 2.2:1Setup A.R:R 4.8:1
Analyst target$54.00+52.9%8 analysts
$46.98our TP
$35.31price
$54.00mean
$75

Wait — supporting gate not met yet. Price is at or below entry $35.34 but weak momentum still blocks BUY_NOW. Key risks: Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%). Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 5.9/10, moderate confidence.

Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.

Val5.3Qual7.5Grw10.0Mom2.0Sent6.7Ins3.5Peer4.3Tech4.5Risk4.75.9OVERALL

Recent Developments — Figure Technology Solutions, In

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
V7 quality resilience bonus: +0.2 (Q=7.5 in RISK_OFF)
Sector modifier (Financial Services): +1.0
Positive news sentiment (+0.67)
Risks
Concentration risk — Product: HELOCs
Concentration risk — Customer: top 10 partners (56.0%)
Leverage penalty (D/E 1.0): -0.5

Key Metrics

P/E (TTM)44.2
P/E (Fwd)26.3
Mkt Cap$8.0B
EV/EBITDA—
Profit Mgn35.2%
ROE21.7%
Rev Growth119.2%
Beta—
DividendNone
Rating analysts15

Quality Signals

Piotroski F7/9MoatWideCompounder✓

Options Flow

P/C0.29bullish
IV93%elevated
Max Pain$18-49.0% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHProductHELOCs
    10-K Item 1: 'HELOCs comprised over 98% of our total loan originations'
  • HIGHCustomertop 10 partners56%
    10-K Item 1A: 'Our top 10 partners contributed 56% and 52% of our origination volume for the years ended December 31, 2025 and 2024, respectively'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Volume
0.0
Obv
1.0
Rsi
4.5
Ma Position
4.5
Volume distribution (falling OBV)
GatesMomentum 2.0<4.5A.R:R 2.2 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
51 · Neutral
↓ 20D MA↑ 50D MA↓ 200D MASupport $31.33Resistance $44.67

Price Targets

$29
$35
$47
A.Upside+33.1%
A.R:R2.2:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! NEWS_MOD=+1: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Momentum score 2.0/10 — below 4.5 minimum

Earnings

We could not retrieve earnings history for FIGR.
The company may be recently listed, pre-revenue, or its beat/miss record wasn't available from our source this run. Earnings signals feed the Growth and Catalyst score dimensions — absence here doesn't affect other dimensions.

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FIGR stock a buy right now?

Wait — supporting gate not met yet. Price is at or below entry $35.34 but weak momentum still blocks BUY_NOW. Key risks: Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%). Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $46.98 (+33.1%), stop $29.08 (−21.4%), Setup A.R:R 4.8:1. Score 5.9/10, moderate confidence.

What is the FIGR stock price target?

Take-profit target: $46.98 (+33.3% upside). Target $46.98 (+33.1%), stop $29.08 (−21.4%), Setup A.R:R 4.8:1. Stop-loss: $29.08.

What are the risks of investing in FIGR?

Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%); Leverage penalty (D/E 1.0): -0.5.

Is FIGR overvalued or undervalued?

Figure Technology Solutions, In trades at a P/E of 44.2 (forward 26.3). TrendMatrix value score: 5.3/10. Verdict: Buy (Wait for Entry).

What do analysts say about FIGR?

15 analysts cover FIGR with a consensus score of 3.9/5. Average price target: $54.

What does Figure Technology Solutions, In do?Figure Technology Solutions is a blockchain-based lending platform facilitating $8.3B in HELOC originations in 2025...

Figure Technology Solutions is a blockchain-based lending platform facilitating $8.3B in HELOC originations in 2025 through 307 active partners using its Loan Origination System recorded on Provenance Blockchain, generating $134.3M net income. HELOCs represent over 98% of loan originations; the top 10 partners contribute 56% of origination volume.

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