Should You Buy Figure Technology Solutions Inc (FIGR) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Hold
Latest Price
60.690
1 Day change
-10.64%
52 Week Range
78.000
Analysis Updated At
2026/01/28
Not a good buy right now for a beginner long-term investor. FIGR just jumped to ~$68.20 (+8.18% on the day) and is now trading ABOVE the latest raised Wall Street price targets ($62–$66 range), meaning near-term upside looks limited versus downside if momentum cools ahead of earnings (Feb 12). The long-term trend is still constructive, but the current entry price is stretched after a sharp move.
Technical Analysis
Price/Trend: Bullish structure with moving averages aligned positively (SMA_5 > SMA_20 > SMA_200), indicating an established uptrend.
Momentum: RSI(6) ~63.8 is bullish but close to "crowded" territory (not overbought yet, but not cheap). MACD histogram is slightly negative (-0.0293) but contracting, suggesting bearish momentum is fading and the uptrend can continue—however, it also implies the stock may be in a short consolidation phase after the pop.
Levels: Pivot/support sits around ~66.14; the stock is above that at ~68.20. A loss of the pivot would make ~57.23 the next key support zone. Upside resistance is ~75.05 (R1).
Pattern-based near-term odds: Similar-pattern stats imply a slightly negative bias next day/month (60% chance of ~-0.9% next day; ~-1.26% next month), which aligns with “post-spike digestion” risk.
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): no signal on given stock today.
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Options Data
Bullish
Open Interest Put-Call Ratio
Bearish
Option Volume Put-Call Ratio
Sentiment read: Open interest put/call of 0.65 is positioning-bullish (more calls outstanding than puts), but the volume put/call of 1.28 is short-term cautious/bearish (today’s flow favored puts), consistent with traders hedging after a sharp rally.
Volatility: Implied vol (30D) ~92% vs historical vol ~99.5% = volatility remains very elevated; option volume is extremely hot (today vs 30D avg ~170%), which often appears around big moves and into catalysts (earnings upcoming). Net: options market looks long-term optimistic but near-term defensive.
Technical Summary
Sell
4
Buy
8
Positive Catalysts
1) Wall Street tone has been improving with multiple target raises and Buy/Outperform ratings, supporting sentiment.
2) Sector/news backdrop is constructive for crypto/fintech infrastructure themes (tokenized securities/24-7 trading narrative) which can lift peers/adjacent names.
3) Upcoming earnings on 2026-02-12 (after hours) can act as a catalyst if results/guide beat expectations.
Neutral/Negative Catalysts
1) Valuation/price extension risk: the stock (~$68) is already above the newest major price targets ($65–$66), limiting “easy” upside near-term.
2) Options flow today is put-heavy (volume P/C 1.28), implying hedging or caution after the spike.
3) Earnings risk: with elevated implied volatility and a recent surge, any miss or softer guidance can trigger a fast pullback.
Financial Performance
Latest reported quarter: 2025/Q3. Revenue $156.365M, Net Income $89.576M, EPS $0.69. The provided dataset shows 0.00% YoY growth for revenue, net income, and EPS (i.e., no visible YoY growth in the snapshot), which makes the recent rally look more sentiment/multiple-driven than clearly growth-driven from this specific snapshot.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: Analysts have generally been getting more bullish since the Q3 report, with a string of price-target increases (roughly from the low-$40s/$50s in Nov–Dec 2025 up to $62–$66 in Jan 2026). Goldman (Buy) raised to $66; Mizuho (Outperform) to $65; Keefe Bruyette (Outperform) to $62. BofA remains Neutral (previously lowered to $43 in Dec, later raised to $47 in Nov notes), highlighting valuation concerns.
Wall Street pros: strong KPIs/scalability narrative and platform expansion (Figure Connect) with multiple firms reiterating positive ratings.
Wall Street cons: at least one major firm points to "full" valuation; and with the stock now above the latest targets, upside may be capped unless fundamentals re-accelerate.
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 USD and a high forecast of 62 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 USD and a high forecast of 62 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
Averages
54.67
High
62
Current: 67.915
Low
50
Averages
54.67
High
62
Goldman Sachs
Buy
maintain
$58 -> $66
AI Analysis
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
