Figure Technology Solutions Inc Cl A (FIGR)
NASDAQ (NGS) NASDAQ (NGS) Primary 
XMEX 
Wall Street Analysts Believe Figure Technology (FIGR) Could Rally 47.56%: Here's is How to Trade
The average of price targets set by Wall Street analysts indicates a potential upside of 47.6% in Figure Technology (FIGR). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
Figure Technology: Marketplace Keeps Expanding Aggressively
Figure Technology remains a "Buy" as loan marketplace volumes doubled year-over-year, despite a 20% YTD share price decline. Q1 loan volumes reached $2.90 billion, up 113% y/y, with March volumes showing robust sequential and annual growth. Expansion into first-lien mortgages, auto finance, and small business loans leverages FIGR's blockchain platform for broader monetization.
Figure: A Buy As Loan Types Increase
Figure Technology Solutions has experienced a sharp post-IPO decline, yet I reiterate a buy rating based on its differentiated blockchain innovation. FIGR is expanding beyond HELOCs into first-lien mortgages, with Q4 first-lien volumes up 3x y/y to $506 million, now 19% of originations. The 2026 roadmap includes entry into the $1.6 trillion auto lending market via Agora Data, leveraging Figure Connect to tokenize and securitize auto loans.
Figure Technology Solutions, Inc. (FIGR) Q4 2025 Earnings Call Transcript
Figure Technology Solutions, Inc. (FIGR) Q4 2025 Earnings Call Transcript
Figure Technology slides after BofA downgrade flags stretched valuation
Figure Technology Solutions (NASDAQ:FIGR) shares fell about 17% on Tuesday after Bank of America downgraded the fintech firm, saying the stock's strong post-IPO rally has left much of its future growth already priced in. The brokerage cut its rating on Figure Technology to “underperform” from “neutral” and trimmed its price objective to $42 from $43.
Figure: A Compelling Rally As Loan Volumes Accelerate
Figure Technologies remains a buy as strong Q4 operating data signals accelerating growth and robust momentum. Consumer loan marketplace volumes surged 131% y/y to $2.71B in Q4, setting up for a likely revenue beat. YLDS stablecoin issuance exploded, growing 198% month-on-month in December, positioning FIGR for outsized 2026 revenue gains.
What's Happening With FIGR Stock?
Figure Technology Solutions stock (NASDAQ: FIGR) has jumped over 46% year-to-date in early 2026, fueled by impressive preliminary Q4 2025 results, optimistic analyst upgrades, and groundbreaking advancements in blockchain-based financial infrastructure. The stock's momentum further intensified this week after the company launched its On-Chain Public Equity Network (OPEN) on January 15 – a blockchain platform that facilitates direct stock lending without the involvement of traditional intermediaries.
Figure Technology Solutions: Still Has Plenty Of Upside Left
Figure Technology Solutions earns a reiterated Buy as Figure Connect drives rapid margin expansion and accelerates adoption. FIGR's capital-light model boosts Q3 2025 adj. EBITDA margin to 55.4%, with loan volume surging to $2.4B since June 2024. The addressable market expands as FIGR's HELOCs capture refinancing demand, reducing reliance on housing cycles.
Does Figure Technology (FIGR) Have the Potential to Rally 31.7% as Wall Street Analysts Expect?
The mean of analysts' price targets for Figure Technology (FIGR) points to a 31.7% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
Figure Technology Solutions, Inc. (FIGR) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
Figure Technology Solutions, Inc. (FIGR) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
Figure: A Fintech Disruptor With Venture-Scale Upside
Figure Technology Solutions, Inc. is rated Buy with a $53 price target, implying 33% upside over 12 months. FIGR leads the tokenized private credit market, posting 81% revenue growth and 75% adjusted EBITDA growth year-over-year. Despite trading at a premium (61x FY2025 earnings), FIGR's dominant market share, rapid growth, and capital-light model justify valuation.
