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FIGRFigure Technology Solutions, InHold6.2·$28.09-0.21%
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Figure Technology Solutions, In (FIGR) Stock Analysis

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Capital Markets

Hold if already holding. Not a fresh buy at $28.09, but acceptable to hold if already in. Reasons: 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

$28.09+71.8% A.UpsideScore 6.2/10#10 of 40 Capital Markets
QualityF-score7 / 9FCF yield1.27%
Stop $25.97Target $47.97(analyst − 13%)A.R:R 4.8:1
Analyst target$55.14+96.3%7 analysts
$47.97our TP
$28.09price
$55.14mean
$75

Hold if already holding. Not a fresh buy at $28.09, but acceptable to hold if already in. Reasons: Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 60d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-14
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Aug 13, 202660d to earnings· next earnings call

Thesis

Rewards
High-quality business
Strong growth profile
Wide economic moat
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)34.1
P/E (Fwd)20.1
Mkt Cap$6.2B
EV/EBITDA
Profit Mgn35.2%
ROE21.7%
Rev Growth119.2%
Beta
DividendNone
Rating analysts15

Quality Signals

Piotroski F7/9MoatWideCompounder

Options Flow

P/C0.99neutral
IV92%elevated
Max Pain$55+95.8% 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.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.

Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.

No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.

Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Volume
1.7
Ma Position
2.5
Rsi
3.0
Obv
10.0
Capitulation risk (RSI 26, below 200MA)Volume accumulation (rising OBV)
GatesMomentum 3.4<4.5A.R:R 4.8 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 60d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
26 · Oversold
20D MA 50D MA 200D MASupport $26.55Resistance $44.67

Price Targets

$26
$48
A.Upside+70.8%
A.R:R4.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! momentum at 3.4 (below the engine's 4.5 threshold)

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-08-13 (60d)

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?

Hold if already holding. Not a fresh buy at $28.09, but acceptable to hold if already in. Reasons: Concentration risk — Product: HELOCs; Concentration risk — Customer: top 10 partners (56.0%). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $47.97 (+70.8%), stop $25.97 (−8.2%), A.R:R 4.8:1. Score 6.2/10, moderate confidence.

What is the FIGR stock price target?

Take-profit target: $47.97 (+71.8% upside). Target $47.97 (+70.8%), stop $25.97 (−8.2%), A.R:R 4.8:1. Stop-loss: $25.97.

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 34.1 (forward 20.1). TrendMatrix value score: 6.2/10. Verdict: Hold.

What do analysts say about FIGR?

15 analysts cover FIGR with a consensus score of 3.9/5. Average price target: $55.

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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