Should I Buy FIGR? FIGR 2026 Analysis

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

Conclusion

Hold

Latest Price

41.270

1 Day change

3.33%

52 Week Range

78.000

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient entry: price is in a sharp downtrend, has slipped below the first key support (S1 ~44.12), and momentum is still deteriorating.
Near-term odds skew bearish (pattern-based model: ~-7% next week, ~-15.7% next month), so buying now is more likely to mean sitting through further downside before any rebound.
Intellectia Proprietary Trading Signals
- AI Stock Picker: No signal on given stock today.
- SwingMax: No signal on given stock recently.

Technical Analysis

Trend/Momentum: Bearish. MACD histogram is negative (-3.146) and expanding lower, signaling increasing downside momentum.
RSI: RSI(6) ~20.1 indicates deeply oversold conditions (bounce potential exists), but oversold can persist during strong downtrends.
Moving averages: Converging MAs suggests indecision after a large move, but not yet a confirmed reversal.
Key levels: Price ~~43 is below S1 (~~44.12). Next notable support is S2 (~36.79). Resistance/pivot is far overhead (Pivot ~55.96), implying a lot of work to recover.
Practical read: This looks like “falling knife” territory—technically weak until it reclaims ~44–45 and stabilizes.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Positioning vs flow: Open interest P/C = 0.79 (more calls outstanding = longer-term bullish tilt), but volume P/C = 1.98 (today’s trading skewed heavily to puts = near-term bearish/hedging sentiment).
Activity: Volume is elevated (today vs 30-day avg ~156.6%), and open interest is also elevated (today vs 30-day avg ~133.6%) → sentiment is active and cautious.
Volatility: IV30 ~108% vs HV ~125.8% (IV below realized), suggesting options are not outrageously expensive versus recent realized moves, but overall volatility is extremely high.
Takeaway: Options market is signaling near-term fear/hedging, not a clean “risk-on” setup for an immediate buy.

Technical Summary

Sell

Buy

Positive Catalysts

on 2026-02-12 after hours can be a catalyst if results/guide surprise positively.

Neutral/Negative Catalysts

with worsening MACD momentum raises risk of a move toward S2 (~36.79).
on 2026-02-03, explicitly calling valuation gap too wide after a large run since IPO.

Financial Performance

Latest reported quarter provided: 2025/Q3.
Revenue: $156.365M, reported as flat YoY (0.00% YoY in snapshot).
Net income: $89.576M, reported as flat YoY (0.00% YoY in snapshot).
EPS: $0.69, reported as flat YoY (0.00% YoY in snapshot).
Interpretation: The snapshot shows profitability but no visible growth acceleration in the provided YoY fields; the next real catalyst for growth confirmation is the upcoming QDEC 2025 earnings (Est EPS 0.18) on 2026-02-12.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Targets were raised into late-2025/Jan-2026 by multiple firms (Goldman, Mizuho, KBW), then a sharp sentiment check arrived with BofA downgrade to Underperform (PT $42) on 2026-02-03.
Bull case (Wall St pros): Platform leadership in real-world asset tokenization/on-chain credit; expansion into additional asset classes; some analysts model strong multi-year growth and high margins (Texas Capital highlights 20%+ revenue growth and ~60% EBITDA margin by 2028).
Bear case (Wall St cons): Valuation concerns after a large post-IPO run; recent downgrade suggests upside may be priced in; insider selling mentioned; near-term price action is breaking down, which can overpower fundamentals short-term.
Bottom line on Street view: Mixed-to-bullish long-term, but near-term caution is rising due to valuation and current tape.

7 Analyst Rating

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 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: 39.940

Low

Averages

54.67

High

Current: 39.940

Low

Averages

54.67

High

Goldman Sachs

Buy

downgrade

$66 -> $57

AI Analysis

2026-02-05

New

Reason

Goldman Sachs

Price Target

$66 -> $57

AI Analysis

2026-02-05

New

downgrade

Buy

Reason

Goldman Sachs lowered the firm's price target on Figure to $57 from $66 and keeps a Buy rating on the shares. Figure reported slightly weaker January operating data, but Goldman remains constructive on the long-term growth of its core business, the analyst tells investors in a research note.

BofA

Craig Siegenthaler

Neutral -> Underperform

downgrade

$43 -> $42

2026-02-03

New

Reason

BofA

Craig Siegenthaler

Price Target

$43 -> $42

2026-02-03

New

downgrade

Neutral -> Underperform

Reason

BofA analyst Craig Siegenthaler downgraded Figure (FIGR) to Underperform from Neutral with a price target of $42, down from $43. The stock has returned 109% in the five months since its IPO, while Coinbase (COIN) is down 41% since Figure's IPO, notes the analyst, who calls the valuation gap "too wide." Short interest is low at 2% and there also was insider selling activity in Q4, the analyst also noted.

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FIGR Should I Buy

FIGR Should I Buy

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

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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