Figure Reports January Consumer Loan Marketplace Volume at $816M, Down 6% YoY
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4d ago
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Should l Buy FIGR?
Figure reports January Consumer Loan Marketplace Volume $816M, down 6% y/y
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Analyst Views on FIGR
Wall Street analysts forecast FIGR stock price to rise 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
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 39.940
Low
50.00
Averages
54.67
High
62.00
Current: 39.940
Low
50.00
Averages
54.67
High
62.00
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.
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- Rising Borrower Demand: Borrower demand hit $288 million in January 2026, reflecting a 17% increase from December 2025, showcasing strong market appetite for loan products that could drive future revenue growth.
- Increased Lender Supply: Available lender supply rose to $263 million in January 2026, a 23% increase from the previous month, suggesting improved market liquidity that can help meet borrower demand and enhance trading activity.
- Matched Offers Balance Growth: The matched offers balance reached $253 million in January 2026, up 23% from December 2025, which not only enhances the platform's attractiveness but may also stimulate more lending activity, further solidifying the company's market position.
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- Galaxy Digital Plummets: Galaxy Digital (GLXY) saw its stock plunge 30% over five sessions ending February 6 after reporting a wider-than-expected loss for Q4 2025, which not only undermines investor confidence but may also negatively impact sentiment in the digital asset sector.
- Figure Technology Solutions Decline: The blockchain lending platform (FIGR) tumbled 27% during the same week due to disappointing earnings, raising concerns about its future profitability and prompting investors to reassess its business model.
- PayPal's Disappointing Update: PayPal Holdings (PYPL) experienced a 23% drop following a disappointing quarterly update, reflecting challenges in the competitive payments market and potentially affecting its future market share and growth prospects.
- Other Financial Stocks Struggle: Several financial stocks, including IREN (down 22%) and FactSet Research Systems (down 19%), suffered significant losses amid a broader selloff in enterprise software stocks, indicating a waning confidence in the fintech sector.
See More
Figure Technology Solutions Reports January 2025 Operating Data
- Consumer Loan Marketplace Performance: In January 2026, the consumer loan marketplace volume reached $816 million, a 6% decrease from December 2025 but a 115% increase year-over-year, indicating the company's resilience and growth potential amid market fluctuations.
- Rising Borrower Demand: Borrower demand hit $288 million in January 2026, reflecting a 17% increase from December 2025, showcasing strong market appetite for loan products that could drive future revenue growth.
- Increased Lender Supply: Available lender supply rose to $263 million in January 2026, a 23% increase from the previous month, suggesting improved market liquidity that can help meet borrower demand and enhance trading activity.
- Matched Offers Balance Growth: The matched offers balance reached $253 million in January 2026, up 23% from December 2025, which not only enhances the platform's attractiveness but may also stimulate more lending activity, further solidifying the company's market position.
See More
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- Gold Price Surge: SPDR Gold Shares (GLD) surged over 6%, surpassing $4,950 per ounce, marking its strongest trading day since November 2008, primarily due to easing concerns over tighter Federal Reserve policies.
- Silver's Strong Rebound: Silver prices climbed nearly 9% to $86, recovering from a more than 30% plunge over the previous two sessions, indicating a resurgence in demand for precious metals that may attract more investors.
- Energy Market Reaction: Crude oil rose 1.8% to $63 a barrel after U.S. forces shot down an Iranian drone near a Navy aircraft carrier, reflecting the impact of geopolitical tensions on energy markets.
- Tech Stocks Underperform: The iShares Expanded Tech-Software Sector ETF fell 4.8%, marking its fifth consecutive daily decline, indicating waning market confidence in technology stocks, particularly in the software sector.
See More
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- Pressure on Precious Metals: Gold prices extended Friday's decline, sliding over 4% to $4,670 per ounce, while silver plummeted 8% to $77.88, indicating ongoing pressure in the precious metals market as investors reassess the Federal Reserve's policy outlook.
- Positive Economic Data: The ISM Manufacturing PMI unexpectedly surged to a three-year high, signaling renewed momentum in factory activity and boosting market confidence in economic recovery, despite the Bureau of Labor Statistics delaying the release of January's jobs report due to the partial government shutdown.
- Energy Market Volatility: Natural gas prices plunged 25% on milder weather forecasts, while crude oil dropped over 5% as the U.S. administration prepared for nuclear deal talks with Iranian officials, highlighting the impact of geopolitical factors on energy markets.
See More
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- Strong Stock Performance: On its first trading day, BitGo's stock opened at $22.43 per share, reflecting strong market demand for its crypto custody services and enhancing the company's influence in the digital asset space.
- NYSE Tokenized Securities Platform: The New York Stock Exchange announced the development of a tokenized securities trading platform aimed at enabling 24/7 trading and instant settlement, intending to modernize market infrastructure by integrating blockchain technology with traditional securities trading.
- Strategic Bitcoin Acquisition: Strategy reported acquiring 22,305 bitcoins for approximately $2.125B between January 12 and January 19, demonstrating its proactive positioning in the cryptocurrency market, now holding 709,715 bitcoins with a total investment of about $53.92B.
See More
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- Contained Inflation Pressures: The Personal Consumption Expenditures price index rose 2.8% year-over-year, with core PCE steady, suggesting that inflation remains manageable, which enhances market confidence in the Federal Reserve's policies and may help maintain a low interest rate environment.
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