FIGR Stock Analysis: Buy, Sell, or Hold?
FIGR - Figure Technology Solutions, Inc. Class A Common Stock
$24.91
-0.90 (-3.49%)
▼
5d:
-9.71%
30d:
-23.75%
90d:
-29.03%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 13, 2026
9d
Smart Money Accumulation
None View Scanner →
Strength: 6.7/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FIGR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: FIGR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.76
Based on 8.0% avg growth
INTRINSIC VALUE TODAY
$31.52
21.0% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 24.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FIGR is currently trading at $24.91, which is considered oversold relative to its 30-day fair value range of $27.02 to $31.92. From a valuation perspective, the stock is trading at a discount (Forward PE: 17.7) compared to its historical average (24.6). Remarkably, the market is currently pricing in an annual earnings decline of 10.5% over the next few years. This pessimistic expectation contrasts with the company's recent 277.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FIGR is in a downtrend. The price is currently testing key support at $24.28. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.5% recently.
Market Sentiment: FIGR has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $51.00 (+104.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FIGR is in a downtrend. The price is currently testing key support at $24.28. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.5% recently.
Market Sentiment: FIGR has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $51.00 (+104.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$27.02 -
$31.92
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
Protect Your Profits
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View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.5%)
- BULLISH: Trading 104.7% below Wall St target ($51.00)
- CAUTION: 5-day price weakness (-9.7%) - monitor closely
Trading Range Analysis
30-Day Trading Range
$27.02 -
$31.92
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$24.28
Resistance Level
$33.49
Current Trend
Downtrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
17.67
Wall Street Target
$51.00
(+104.7%)
Revenue Growth (YoY)
119.2%
Earnings Growth (YoY)
277.8%
Profit Margin
35.2%
Valuation Discount vs History
-10.5% cheaper
PE vs Historical
17.7 vs 24.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-10.5%
(market-implied from PE analysis)
1-Year Target
$22.42
(-10%)
2-Year Target
$20.18
(-19%)
3-Year Target
$18.16
(-27%)
3-Yr Target (if PE normalizes)
(PE: 18→25)
$25.29
(+2%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 11.9%)
$40.96
(+64%)
Base:
(SPY PE: 17.7, Growth: 11.9%)
$34.91
(+40%)
Bear:
(PE: 15.0, Growth: 11.9%)
$29.67
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (30x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 30.36 | Current EPS (TTM): $0.85
Bull Case
$47.10
(+89%)
Analyst growth 65.9%, PE expands to 33.4
Base Case
$42.81
(+72%)
Market implied 65.9%, PE stable at 30.4
Bear Case
$17.55
(-30%)
Severe decline -20.0%, PE contracts to 25.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 17.7 to 24.6
Stabilization Target:
$34.69
(+39.2%)
PE Expansion Potential:
+39.2%
Share & Embed Analysis
Last updated: August 02, 2026 9:26 PM ET
Data refreshes hourly during market hours. Next update: 10:26 PM
Data refreshes hourly during market hours. Next update: 10:26 PM
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Technical Signals Check
Is FIGR showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
Sells
Net
INSIDERS SELLING
Recent Transactions
Michael Scott Cagney
SELL
67840 shares
2026-04-15
June Ou
SELL
67840 shares
2026-04-15
David Todd Stevens
SELL
49708 shares
2026-03-19
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