FIGR Stock Analysis: Buy, Sell, or Hold?
FIGR - Figure Technology Solutions, Inc. Class A Common Stock
$30.71
-0.29 (-0.94%)
▼
5d:
-7.53%
30d:
+21.48%
90d:
-30.28%
HOLD
LOW Confidence
Analysis Updated: Mar 30, 2026 12:00 AM ET
Earnings: May 15, 2026
Smart Money Accumulation
FIGR is down 6.1% this week, but smart money is accumulating calls. Top strike: $45 2026-05-15 with 2,379 OI. Call ratio: 81% View Scanner →
Strength: 6.2/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FIGR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: FIGR shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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
12.4% 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 $30.71, which is considered slightly low relative to its 30-day fair value range of $29.56 to $35.46. From a valuation perspective, the stock is trading at a discount (Forward PE: 24.6) compared to its historical average (27.5). Remarkably, the market is currently pricing in an annual earnings decline of 3.6% 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. The price is currently testing key support at $30.34. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $54.12 (+74.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FIGR is showing sideways momentum. The price is currently testing key support at $30.34. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $54.12 (+74.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$29.56 -
$35.46
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding FIGR? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 74.6% below Wall St target ($54.12)
- CAUTION: Recommendation downgraded due to -7.5% 5-day decline
Fair Price Analysis
30-Day Fair Range
$29.56 -
$35.46
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$30.34
Resistance Level
$36.06
Current Trend
Sideways
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
24.65
Wall Street Target
$54.13
(+74.6%)
Revenue Growth (YoY)
99.1%
Earnings Growth (YoY)
277.8%
Profit Margin
31.0%
Valuation Discount vs History
-3.6% cheaper
PE vs Historical
24.7 vs 27.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.6%
(market-implied from PE analysis)
1-Year Target
$29.88
(-4%)
2-Year Target
$28.81
(-7%)
3-Year Target
$27.77
(-10%)
3-Yr Target (if PE normalizes)
(PE: 25→28)
$30.98
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 24.7, Growth: 21.2%)
$55.20
(+78%)
Base:
(SPY PE: 22.4, Growth: 21.2%)
$50.16
(+62%)
Bear:
(PE: 19.0, Growth: 21.2%)
$42.63
(+38%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (78x PE), but valuation improves significantly next year (25x 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 24.7 to 27.5
Stabilization Target:
$34.58
(+11.6%)
PE Expansion Potential:
+11.6%
Share & Embed Analysis
Last updated: March 30, 2026 4:25 PM ET
Data refreshes hourly during market hours. Next update: 5:25 PM
Data refreshes hourly during market hours. Next update: 5:25 PM
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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.