Figure Technology Solutions Inc. Reports Strong Preliminary Q4 2025 Results, Analysts Boost Target

Figure Technology Solutions Inc. (NASDAQ: FIGR) released preliminary financial data for its fourth quarter of 2025 and operating figures for December on January 12, 2026. The company’s earnings per share (EPS) for the quarter amounted to $0.34, surpassing consensus estimates of $0.16 by $0.18. Revenue for the same period was reported at $156.03 million, indicating a robust performance in a sector that remains sensitive to broader market conditions.

Market Reaction

The announcement was quickly followed by a surge in the stock’s price. On January 10, 2026, FIGR’s shares rose 33 %, marking the most significant gain among financial stocks that week. This upward momentum attracted the attention of several investment banks, many of which revised their price targets upward.

  • Keefe, Bruyette & Woods increased its target to $62.00 from $52.00, signaling a potential upside of 6.75 % from the current trading price.
  • Mizuho lifted its target from $47.00 to $56.00 and maintained an “outperform” rating.
  • Piper Sandler raised its target from $50.00 to $55.00 and moved its recommendation to “overweight.”
  • Goldman Sachs and Sanford C. Bernstein have also maintained “buy” and “outperform” ratings, respectively, with target prices of $48.00 and $54.00.

Collectively, the consensus rating across analysts now stands at “Moderate Buy,” with an average target price of $51.63.

Financial Strength

The company’s balance sheet remains solid. As of the latest reporting, Figure Technology Solutions has a debt‑to‑equity ratio of 0.17, a current ratio of 2.26, and a quick ratio of 2.26, underscoring its liquidity and capacity to manage short‑term obligations. The market capitalization is $12.5 billion, with a price‑to‑earnings ratio of 63.98. The share price has trended upward from a 52‑week low of $30.01 to a high of $59.40; it closed at $58.08 on January 8, 2026.

Insider Activity

Despite the positive earnings report, insider selling continues. Director Michael Scott Cagney sold 500,000 shares at an average price of $36.22, reducing his stake by 7.27 %. CFO Minchung Kgil also divested 100,000 shares at $35.09. These transactions reflect routine portfolio management rather than a loss of confidence, given the company’s strong fundamentals and analyst support.

Outlook

With earnings exceeding expectations and a series of upward revisions to price targets, investors are watching FIGR closely for further guidance. The company’s operating data for December, still pending final confirmation, is expected to reinforce the upward trend. Market participants anticipate that a sustained earnings beat, coupled with a healthy balance sheet, could propel the stock toward its 52‑week high and potentially justify the recent analyst optimism.