FIGR · NASDAQ · STOCK
Figure Technology Solutions, Inc. Class A Common Stock
$27.84
52W $24.11 – $78.00
64/100
$5.08B
35.7
-0.02
Is FIGR Bullish or Bearish?
Bullish.
Innellis AI committee rates Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Buy with a composite score of 64/100
, based on 5 analysts with 60% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.16 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.84 from today. The band boundary is 60.0, 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
Positive signals support the current rating — news sentiment is positive (+0.67 across 3 articles, 14d). The committee sees sufficient evidence to maintain the constructive view.
Bull & Bear Case
Bull Case
- ROE of 17.6% shows genuine earnings power backing the valuation — Value
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.67 across 3 articles, 14d) — News
Bear Case
- P/E of 35.4 is moderate-to-rich — Value
- Price-to-book of 7.1x prices in significant intangible value — Value
- Price structure making lower highs and lower lows — Technical
- Trend and market structure agree -- coherent bearish picture — Technical
- Bollinger bandwidth of 26.2% signals elevated volatility — Risk
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 August 11, 2026
Overall Committee Score
64/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 46%
of 209 Financial Services peers
Value Analyst
neutral
54
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 17.6% shows genuine earnings power backing the valuation
− P/E of 35.4 is moderate-to-rich
Technical Analyst
neutral
56
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
neutral
52
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− Bollinger bandwidth of 26.2% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
79
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.67 across 3 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
47.2
Neutral
MACD Histogram
0.183
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Lh Ll
Support
$25.49
Resistance
$35.15
Bollinger %B
0.42
Inside Bands
Price vs Moving Averages
EMA 9
$28.05
Below
EMA 21
$28.46
Below
EMA 50
$29.90
Below
EMA 200
$34.27
Below
Fundamental Analysis
Valuation
56
Profitability
78
Financial Health
87
Cash Flow
15
Valuation
P/E Ratio
35.7×
P/B Ratio
4.68×
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
9001.4%
Operating Margin
3293.5%
Revenue Growth YoY
—
Debt / Equity
1.02
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 35.7 (rich relative to a 15-40x range); Price-to-book of 4.7x; 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 29.0%; Gross margin of 90.0%; Current ratio of 2.10 (healthy short-term liquidity); Debt-to-equity of 1.02; Free cash flow per share is negative (-17.26); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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