Figure Technology Solutions Inc (FIGR) saw its stock price drop by 8.34% as it crossed below the 5-day SMA, indicating a bearish trend despite the broader market's positive performance with the Nasdaq-100 up 0.55% and the S&P 500 up 0.50%.
The decline in FIGR's stock can be attributed to sector rotation, as the company faced significant options trading activity that included a high volume of put options, reflecting investor concerns about potential risks. This comes in the context of a broader market that is generally optimistic, with other stocks experiencing gains, which may have led to a shift in investor focus away from FIGR.
This movement suggests that while the overall market sentiment remains strong, specific concerns regarding FIGR's future performance are causing investors to reassess their positions, leading to the recent price drop.
Wall Street analysts forecast FIGR stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FIGR is 54.67 USD with a low forecast of 50.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
Wall Street analysts forecast FIGR stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FIGR is 54.67 USD with a low forecast of 50.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 67.915
Low
50.00
Averages
54.67
High
62.00
Current: 67.915
Low
50.00
Averages
54.67
High
62.00
Goldman Sachs
Buy
maintain
$58 -> $66
2026-01-20
Reason
Goldman Sachs
Price Target
$58 -> $66
AI Analysis
2026-01-20
maintain
Buy
Reason
Goldman Sachs raised the firm's price target on Figure to $66 from $58 and keeps a Buy rating on the shares. Select earnings estimates for investment banks, brokers, and crypto-related names have been slightly adjusted based on final Dealogic data, showing Q4 M&A fees up 8% on average, along with revenue net pull-forward analysis, and updated to reflect 1Q26 crypto market trends, the analyst tells investors in a research note.
Mizuho
Outperform
upgrade
$56 -> $65
2026-01-16
Reason
Mizuho
Price Target
$56 -> $65
2026-01-16
upgrade
Outperform
Reason
Mizuho raised the firm's price target on Figure to $65 from $56 and keeps an Outperform rating on the shares. The firm adjusted targets in the financial technology, payments, crypto and IT services group as part of its 2026 outlook. The firm says fintech and payments enter 2026 "with major political, macro, and product catalysts." Rate caps may ultimately benefit networks and buy now pay later players, as credit-to-BNPL shifts drive incremental debit volume, the analyst tells investors in a research note.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for FIGR
Unlock Now
Keefe Bruyette
Ryan Tomasello
maintain
$52 -> $62
2026-01-08
Reason
Keefe Bruyette
Ryan Tomasello
Price Target
$52 -> $62
2026-01-08
maintain
Reason
Keefe Bruyette analyst Ryan Tomasello raised the firm's price target on Figure to $62 from $52 and keeps an Outperform rating on the shares.
BofA
Craig Siegenthaler
Neutral
downgrade
$47 -> $43
2025-12-10
Reason
BofA
Craig Siegenthaler
Price Target
$47 -> $43
2025-12-10
downgrade
Neutral
Reason
BofA analyst Craig Siegenthaler lowered the firm's price target on Figure to $43 from $47 and keeps a Neutral rating on the shares. Looking ahead to 2026, the firm now favors the alternative asset managers to online brokers due to what it sees as a better valuation and positioning setup combined with a stronger macro backdrop, the analyst tells investors in a note on the brokers, asset managers and exchanges group.
About FIGR
Figure Technology Solutions Inc., formerly FT Intermediate, Inc., is a blockchain-native capital marketplace that connects origination, funding, and secondary market activity. It operates and manages its business through FT Intermediate, Inc. (FTI) and Figure Markets Holdings, Inc. (Markets). The Company's proprietary technology enables next generation lending, trading and investing activities in areas, such as consumer credit and digital assets. Its application of the blockchain ledger allows it to serve its end-customers, improve speed and efficiency, and enhance standardization and liquidity. Its products include Figure HELOC, DSCR Loan, Cash-Out Refinance, Crypto-Backed Loan, Blog, Testimonials, and Repayment Assistance. It utilizes blockchain technology to develop an exchange for digital assets and credit, with new product offerings including providing interest-bearing stablecoin deposits. Its Figure HELOCs offer investors a diversified and risk-adjusted return on the market.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
