FIGR Stock Analysis: Buy, Sell, or Hold?
FIGR - Figure Technology Solutions, Inc. Class A Common Stock
$32.89
-1.06 (-3.12%)
▼
5d:
+5.38%
30d:
+15.53%
90d:
-21.09%
BUY
MODERATE Confidence
Analysis Updated: Apr 1, 2026 12:00 AM ET
Earnings: May 15, 2026
Smart Money Accumulation
FIGR is down 4.1% this week, but smart money is accumulating calls. Top strike: $40 2026-05-15 with 3,097 OI. Call ratio: 68% View Scanner →
Strength: 3.8/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FIGR shows positive signals but monitor for confirmation. Market pricing in 1.3% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FIGR shows positive signals but monitor for confirmation. Market pricing in 1.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$56.49
Based on 12.6% avg growth
INTRINSIC VALUE TODAY
$35.08
6.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FIGR is currently trading at $32.89, which is considered fair relative to its 30-day fair value range of $29.80 to $35.57. The stock's valuation (Forward PE: 26.2) is in line with its historical norms (27.2). Remarkably, the market is currently pricing in an annual earnings decline of 1.3% over the next few years. This pessimistic expectation contrasts with the company's recent 277.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FIGR is showing sideways momentum. Immediate support is located at $30.32, while resistance sits at $34.93. Short-term momentum is weak, with the stock down 3.1% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $53.50 (+62.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FIGR is showing sideways momentum. Immediate support is located at $30.32, while resistance sits at $34.93. Short-term momentum is weak, with the stock down 3.1% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $53.50 (+62.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$29.80 -
$35.57
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.1%)
- BULLISH: Trading 62.7% below Wall St target ($53.50)
Fair Price Analysis
30-Day Fair Range
$29.80 -
$35.57
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$30.32
Resistance Level
$34.93
Current Trend
Sideways
Technical data as of
Apr 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
26.16
Wall Street Target
$53.50
(+62.7%)
Revenue Growth (YoY)
99.1%
Earnings Growth (YoY)
277.8%
Profit Margin
31.0%
Valuation Discount vs History
-1.3% cheaper
PE vs Historical
26.2 vs 27.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.3%
(market-implied from PE analysis)
1-Year Target
$32.46
(-1%)
2-Year Target
$32.04
(-3%)
3-Year Target
$31.62
(-4%)
3-Yr Target (if PE normalizes)
(PE: 26→27)
$32.89
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 26.2, Growth: 21.2%)
$58.56
(+78%)
Base:
(SPY PE: 22.4, Growth: 21.2%)
$50.04
(+52%)
Bear:
(PE: 19.0, Growth: 21.2%)
$42.54
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (78x PE), but valuation improves significantly next year (26x PE) as earnings recover.
Trailing PE: 77.93 | Current EPS (TTM): $0.44
Bull Case
$75.44
(+127%)
Analyst growth 100.0%, PE expands to 85.7
Base Case
$68.58
(+107%)
Market implied 100.0%, PE stable at 77.9
Bear Case
$23.32
(-30%)
Severe decline -20.0%, PE contracts to 66.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 26.2 to 27.2
Stabilization Target:
$34.20
(+4.0%)
PE Expansion Potential:
+4.0%
Share & Embed Analysis
Last updated: April 02, 2026 3:57 AM ET
Data refreshes hourly during market hours. Next update: 4:57 AM
Data refreshes hourly during market hours. Next update: 4:57 AM
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Technical Signals Check
Is FIGR showing a specific setup today?
Insider Activity (6 Months)
1
Buys
17
Sells
Net
INSIDERS SELLING
Recent Transactions
Sachin Chand Jaitly
SELL
216713 shares
2026-03-10
David Todd Stevens
SELL
26057 shares
2026-02-18
June Ou
SELL
200058 shares
2025-12-10
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Advanced FIGR Option Strategies
Professional options setups generated by AI based on today's FIGR price and gamma walls.