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FIGR Should I Buy

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Intellectia

Should You Buy Figure Technology Solutions Inc (FIGR) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Hold
Latest Price
36.670
1 Day change
2.63%
52 Week Range
78.000
Analysis Updated At
2026/04/17
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Figure Technology Solutions Inc (FIGR) is not a strong buy at the moment for a beginner investor with a long-term strategy. The stock shows mixed signals, with no significant positive catalysts, neutral technical indicators, and a lack of strong trading sentiment. Additionally, analysts have conflicting views, and the company's financial performance shows no significant growth momentum. Holding off on investing in this stock might be prudent given the current data.

Technical Analysis

The MACD is positive at 0.589, indicating mild bullish momentum, but it is contracting. The RSI is neutral at 61.567, suggesting no overbought or oversold conditions. Moving averages are converging, showing no clear trend. Key resistance levels are at $36.383 and $38.056, while support levels are at $30.966 and $29.293. Overall, the technical indicators are neutral, providing no strong buy signal.

Options Data

Bullish
Open Interest Put-Call Ratio
Bearish
Option Volume Put-Call Ratio

The options data suggests a bearish sentiment as the option volume put-call ratio is 1.53, indicating higher put volume compared to call volume. However, the open interest put-call ratio of 0.51 suggests more call interest than put interest, which is slightly bullish. Implied volatility is high at 95.65, indicating uncertainty.

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
7
Buy
6

Positive Catalysts

  • Goldman Sachs recently raised the price target to $44 and maintains a Buy rating, citing strong March and Q1 preliminary operating data and long-term growth potential. Expanding partnerships and product development are also highlighted as positive factors.

Neutral/Negative Catalysts

  • Morpheus Research has issued a highly critical report, questioning the company's blockchain claims and suggesting it is primarily a HELOC lender with aggressive underwriting and mounting competition. Insider and hedge fund trading trends are neutral, and there is no recent news or significant congress trading data to support positive momentum. Analysts have also been lowering price targets consistently.

Financial Performance

In Q4 2025, revenue was flat year-over-year at $159.91M. Net income increased slightly to $23.03M, and EPS rose 12.5% to $0.09. However, gross margin remained stagnant at 0%. The financial performance shows no significant growth trends, which is concerning for a long-term investment.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analyst ratings are mixed. While firms like Goldman Sachs and Bernstein maintain Buy or Outperform ratings with higher price targets, others like Morpheus Research and BofA have issued critical views or downgraded the stock. Price targets have been consistently revised downward, reflecting cautious sentiment.

Wall Street analysts forecast FIGR stock price to rise
7 Analyst Rating
Wall Street analysts forecast FIGR stock price to rise
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 35.730
sliders
Low
50
Averages
54.67
High
62
Current: 35.730
sliders
Low
50
Averages
54.67
High
62
Morpheus Research
Morpheus Research
maintain
AI Analysis
2026-04-16
New
Reason
Morpheus Research
Morpheus Research
Price Target
AI Analysis
2026-04-16
New
maintain
Reason
Morpheus Research believes time is up for blockchain-themed stock promotion Figure Technology, "whose claims of DeFi disruption fall apart under scrutiny. In our eyes, the market will soon re-rate $FIGR for what it is: an undifferentiated HELOC lender with aggressive underwriting & mounting competition." Furthermore, it believes "the evidence justifies a short position in shares of Figure." In a recently published report, Morpheus says, "Our 4-month investigation reveals that Figure is little more than a risky home equity lender masquerading as a blockchain innovator. Its blockchain initiatives, including Figure Connect, Democratized Prime, YLDS, OPEN, and Figure Markets appear to have stalled or are propped up by Figure itself. The company's closely affiliated 'Provenance Blockchain' bears hallmarks of centralization antithetical to the DeFi movement."
Goldman Sachs
Buy
maintain
$42 -> $44
2026-04-06
Reason
Goldman Sachs
Price Target
$42 -> $44
2026-04-06
maintain
Buy
Reason
Goldman Sachs raised the firm's price target on Figure Technology to $44 from $42 and keeps a Buy rating on the shares. The company reported sequentially stronger March and Q1 preliminary operating data as consumer loan marketplace volume improved, the analyst tells investors in a research note. The firm adds it remains constructive on the longer-term growth of Figure's core business and expects volumes to continue building from the robust March levels, supported by strong origination partner growth over the past year, expanding partnerships and product development, as well as a seasonally improving HELOC origination backdrop.
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