FIGR Stock Analysis: Buy, Sell, or Hold?
FIGR - Figure Technology Solutions, Inc. Class A Common Stock
$39.10
3.04 (8.43%)
▲
5d:
+24.4%
30d:
+33.72%
90d:
+13.73%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 13, 2026
0d
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Aug 7, 2026 at $28.62 · last confirmed Aug 20, 2026
Strength: 6.6/10
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR BETTER ENTRY: FIGR is 16.4% above its trading range ($33.60). Market expects 3.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
⏸️ WAIT FOR BETTER ENTRY: FIGR is 16.4% above its trading range ($33.60). Market expects 3.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.66
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$31.45
Trading above historical range
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 24.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FIGR is currently trading at $39.10, which is considered extended relative to its 30-day fair value range of $26.78 to $33.60. From a valuation perspective, the stock is trading at a premium (Forward PE: 26.7) compared to its historical average (24.2). At these levels, the market is pricing in 3.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FIGR is in a downtrend. The price is approaching resistance at $39.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 8.4% recently.
Market Sentiment: FIGR scores 5/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $51.57 (+31.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FIGR is in a downtrend. The price is approaching resistance at $39.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 8.4% recently.
Market Sentiment: FIGR scores 5/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $51.57 (+31.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$26.78 -
$33.60
Company Quality Score
31/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
24.8%
Protect Your Profits
FIGR is technically overbought (RSI 71). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price significantly overextended (+16.4% above its trading range)
- BEARISH: Weak technical setup (5/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+8.4%)
- BULLISH: Trading 31.9% below Wall St target ($51.57)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
- WARNING: Composite score 31/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$26.78 -
$33.60
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$27.55
Resistance Level
$39.68
Current Trend
Downtrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
26.66
Wall Street Target
$51.57
(+31.9%)
Revenue Growth (YoY)
120.8%
Earnings Growth (YoY)
337.5%
Profit Margin
38.3%
Valuation Premium vs History
+3.2% premium
PE vs Historical
26.7 vs 24.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$40.35
(+3%)
2-Year Target
$41.64
(+7%)
3-Year Target
$42.97
(+10%)
3-Yr Target (if PE normalizes)
(PE: 27→24)
PE COMPRESSION
$39.01
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 26.7, Growth: 10.8%)
$53.24
(+36%)
Base:
(SPY PE: 20.1, Growth: 10.8%)
$40.08
(+3%)
Bear:
(PE: 17.1, Growth: 10.8%)
$34.07
(-13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (37x PE), but valuation improves significantly next year (27x PE) as earnings recover.
Trailing PE: 37.22 | Current EPS (TTM): $0.99
Bull Case
$60.05
(+54%)
Analyst growth 48.2%, PE expands to 40.9
Base Case
$54.59
(+40%)
Market implied 48.2%, PE stable at 37.2
Bear Case
$25.06
(-36%)
Severe decline -20.0%, PE contracts to 31.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 1:29 AM ET
Data refreshes hourly during market hours. Next update: 2:29 AM
Data refreshes hourly during market hours. Next update: 2:29 AM
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Technical Signals Check
Is FIGR showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
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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