FIGR · NASDAQ · STOCK
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Analysis
$35.94
52W $24.11 – $78.00
53/100
$6.57B
32.7
-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 53/100
, based on 5 analysts with 40% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.21 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 — -12.79 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 — vix regime is low -- calm backdrop supports risk-taking. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- News sentiment is positive (+0.25 across 4 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 39.6% 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 September 06, 2026
Overall Committee Score
53/100
Agreement
40%
Analysts
5
Conviction
Contested
Sector Rank
Top 96%
of 211 Financial Services peers
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
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 39.6% signals elevated volatility
Macro Analyst
bullish
80
/ 100 · Low 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
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 4 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 53.0 to 52.8.
- Committee agreement increased modestly from 33% to 40%.
- Bullish support removed: 1 signal(s) disappeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Value Analyst abstained (was neutral at 54).
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
52.6
Neutral
MACD Histogram
-0.316
Bearish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$32.87
Resistance
$42.22
Bollinger %B
0.57
Inside Bands
Price vs Moving Averages
EMA 9
$35.72
Above
EMA 21
$34.64
Above
EMA 50
$32.98
Above
EMA 200
$34.53
Above
Fundamental Analysis
Valuation
56
Growth
60
Profitability
78
Financial Health
86
Cash Flow
15
Valuation
P/E Ratio
32.7×
P/B Ratio
5.58×
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 32.7 (rich relative to a 15-40x range); Price-to-book of 5.6x; 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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