Figure Technology Solutions, Inc. Class A Common Stock (FIGR) - Stock Analysis
Last updated: Jan 13, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Figure Technology Solutions shows compelling short-term IPO-driven momentum with a 40–44% surge post-Nasdaq debut, strong operational growth, and positive technical indicators. Growth in blockchain-enabled fintech volumes and strategic investor enthusiasm position FIGR as a hot idea with high upside potential balanced by volatility and macro-policy risks.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: • Strong liquidity • Margin expansion • Negative free‑cash‑flow FIGR's liquidity and leverage materially improved (cash $1,161.7m, current ratio 2.26, debt/equity 0.84) and operating margins expanded sharply, but net income is aided by a tax benefit, free cash flow remains negative, and the stock trades at a large premium to tangible book.
Price Behavior
Key Price Behavior Insights: • Strong uptrend • Accelerated breakout • Short-term overbought Support Level: $40–$45 Resistance Level: $45 (previous), recent high $58.08 Over the last month FIGR rallied sharply from about $38 to $58, decisively breaking $45 resistance with accelerated gains (from $43.74 to $58.08) that signal strong momentum but elevated short-term overbought/pullback risk.
Sentiment & News
Key News Insights: • High EBITDA margin • Loan volume growth • Analyst/institutional optimism Figure Technology Solutions (FIGR) showed strong late‑2025/early‑2026 momentum—55.4% adj. EBITDA, >$2.4B loans, analyst "Moderate Buy" consensus and rising institutional interest amid blockchain tailwinds.
AI Summary
FIGR has meaningfully de‑risked its balance sheet and re‑rated into a capital‑light, blockchain‑native marketplace with materially higher reported margins and liquidity, but those gains are concentrated in a few quarters and driven partly by one‑offs and financing rather than sustained free cash flow. Investors should require consecutive quarters of positive FCF and clear, repeatable revenue from tokenized RWA products (YLDS/partner integrations) before trusting the elevated valuation, because a loss of market access or reversal of one‑time benefits would trigger sharp downside.
Description
Figure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform and provides a suite of blockchain solutions that support lending, secondary market trading and investment activity within consumer finance marketplaces. The company was founded in 2018, is based in Reno, Nevada, and changed its name from FT Intermediate, Inc. in August 2025.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Oct 6 | Oct 13 | FIGR | Figure Technology Solutions, Inc. Class A Common S... | Figure Technology Solutions shows compelling short-term IPO-driven momentum with a 40–44% surge post-Nasdaq debut, strong operational growth, and positive technical indicators. Growth in blockchain-enabled fintech volumes and strategic investor enthusiasm position FIGR as a hot idea with high upside potential balanced by volatility and macro-policy risks. | Closed | +0.9% |