FIGR · NASDAQ · STOCK
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Analysis
$28.53
52W $24.11 – $78.00
49/100
$5.21B
25.9
-0.02
Is FIGR Bullish or Bearish?
Mixed.
Innellis AI committee rates Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Watch with a composite score of 49/100
, based on 6 analysts with 33% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +10.52 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -9.48 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 18.6% shows genuine earnings power backing the valuation — Value
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- P/E of 27.0 is moderate-to-rich — Value
- Price-to-book of 7.1x prices in significant intangible value — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
49/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 96%
of 211 Financial Services peers
Value Analyst
neutral
54
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 18.6% shows genuine earnings power backing the valuation
− P/E of 27.0 is moderate-to-rich
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
47
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 41.7% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
61
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 48.5 to 49.5.
- New bearish signals: 2 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 41->47 (+6).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
37.6
Neutral
MACD Histogram
-0.407
Bearish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$25.49
Resistance
$35.15
Bollinger %B
0.29
Inside Bands
Price vs Moving Averages
EMA 9
$28.77
Below
EMA 21
$30.70
Below
EMA 50
$31.98
Below
EMA 200
$33.99
Below
Fundamental Analysis
Valuation
70
Growth
60
Profitability
78
Financial Health
86
Cash Flow
15
Valuation
P/E Ratio
25.9×
P/B Ratio
4.43×
PEG Ratio
0.02
Dividend Yield
0.00%
52W High
$78.00
52W Low
$24.11
Quality & Growth
ROE
1089.3%
ROA
577.6%
Gross Margin
8698.7%
Operating Margin
3836.6%
Revenue Growth YoY
—
Debt / Equity
1.04
AI Fundamental Assessment
P/E ratio of 25.9 (moderate relative to a 15-40x range); Price-to-book of 4.4x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.9%; Return on assets of 5.8%; Net margin of 33.2%; Gross margin of 87.0%; Current ratio of 2.07 (healthy short-term liquidity); Debt-to-equity of 1.04; Free cash flow per share is negative (-18.38); Most recent quarter beat estimates by 41.3%; EPS growth decelerating (+200.0% -> +94.4% QoQ); Analyst estimates rising over recent quarters
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