Figure (FIGR) Stock Price Prediction 2025, 2026 And 2030: Will It Explode After IPO?

Last updated: 09/15/2025 09:27

Major Takeaway:

Figure Technology Solutions made a strong public debut on September 11, with shares closing at 24.44% above their initial public offering (IPO) price of $25, after raising $787.5 million in one of the year’s most closely watched financial technology offerings.
Figure’s debut follows other notable fintech IPOs this year and reflects broader investor confidence in companies that have demonstrated practical applications of emerging technologies rather than purely speculative ventures.
The successful debut comes amid growing institutional interest in blockchain applications beyond cryptocurrency trading. With strong first-day trading and a commanding position in tokenisation, Figure has positioned itself as a leader in the next wave of fintech innovation.

Figure Technologies, the blockchain-driven lending company, is making great buzz as its shares surged 24.4% on its Nasdaq debut, closing at $31.11 after touching $37.08 intraday. With speculation around the investment potential of Figure growing, both traders and long-term investors are asking: What will Figure stock be worth? Is FIGR stock a good investment for 2025?

This article provides an in-depth analysis of Figure company, including its IPO journey, a FIGR stock price prediction for 2025, 2026 and 2030, a future outlook, and key valuation metrics, to help investors decide whether this high-growth tech stock is right for their portfolio.

Table of Contents

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What is Figure: A Quick Overview

Figure was co-founded in 2018 by technology entrepreneur Mike Cagney. It operates a blockchain-native platform for lending, trading, and investing in consumer credit and digital assets. The company’s business model targets multiple financial sectors, including lending, capital markets and banking services, all of which are integrated with distributed ledger technology.

The company has focused its infrastructure on the home equity line of credit (HELOC) market, a sector where it has established a differentiated presence. Figure originates loans directly for borrowers and also provides partner-branded solutions for mortgage originators, servicers, banks and credit unions, enabling them to use its technology for loan origination and distribution. A key competitive advantage is Figure’s ability to fund home equity loans in just 10 days—significantly faster than the industry average of 42 days.

The company has processed over $50 billion in blockchain transactions and funded more than $17 billion in loans through its platform. Figure has also expanded into investment management and banking services through acquisitions and partnerships, thereby strengthening its ecosystem. Its approach aims to disrupt traditional finance by increasing transparency and reducing friction in financial transactions. The company reported $375 million in sales for the 12 months ended June 30, 2025, reflecting strong growth and expansion in its operations.

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Figure IPO: A Full Review of Its IPO Journey

In July, there are reports that crypto-linked company Figure Technology Solutions, Inc. was preparing to go public in the fall. In mid-August, Figure filed for its Nasdaq IPO under the ticker FIGR, signaling its formal market entry.

In its U.S. IPO paperwork, Figure revealed a promising rebound from a prior loss, reporting profits of $29 million in the first half of 2025—a shift from a $13 million loss in the same period the previous year. Meanwhile, its revenue surged by around 22%, reaching $191 million.

On 2 September, Figure Technology Solutions, Inc. announced the launch of its IPO of 26.3 million shares of Class A common stock, aiming to raise $526 million. On the same day, the blockchain lender announced that it was targeting a valuation of up to $4.13 billion in its IPO, becoming the latest crypto firm to capitalize on revived investor interest in new listings.

According to the IPO filing details, 18% of the shares offered will be classified as secondary shares, meaning they are being sold by existing shareholders rather than the company itself. Specifically, certain selling shareholders plan to sell 4.85 million of the 26.3 million shares being offered. The company will not receive proceeds from these secondary shares.

Additionally, the underwriters have been granted a 30-day option to purchase up to 3.95 million additional shares, which could increase the total offering size beyond the initial target of $500 million.

Goldman Sachs, Jefferies, BofA Securities, Société Générale, Keefe, Bruyette & Woods and Mizuho Securities are the joint bookrunners for the offering, which is expected to be priced during the week beginning 8 September 2025.

The FIGR IPO price is expected to range from $18 to $20 per share. Figure also plans to grant the underwriters a 30-day option to purchase an additional 3.9 million shares at the IPO price minus underwriting discounts and commissions.

Figure Technology Solutions had a successful public debut on September 11, becoming one of the year’s most closely watched fintech offerings. The blockchain-based lending platform opened at $36 per share on the Nasdaq — a 44% premium to its offering price — before settling at $31.11 at close of trading. This gave Figure a market capitalisation of around $6.6 billion, demonstrating continued investor appetite for the company.

After-hours trading saw shares pull back slightly to $30.45, down 2.12% from the closing price, though still maintaining significant gains from the IPO price.

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What’s the Significance of Figure IPO?

Figure’s decision to pursue a public listing comes at a time when the IPO market is showing renewed momentum, particularly in the fintech and technology sectors. Renewed regulatory clarity and strong inflows into crypto-focused exchange-traded funds have accelerated institutional adoption of digital assets, while successful debuts by crypto exchange Bullish and stablecoin issuer Circle have encouraged other firms like Figure to go public.

With its blockchain-driven infrastructure and emphasis on consumer credit, the company sits at the crossroads of financial services and digital innovation—two areas that have drawn heightened investor attention in recent months. While IPOs have traditionally been subject to volatility, current market conditions appear more supportive, with several major fintech firms preparing or launching their own listings.

For Figure Technology Solutions, the offering marks a pivotal milestone in its growth trajectory. Figure Technology Solutions has grown rapidly since its founding and now operates on a global scale. The company’s ability to integrate blockchain into traditional lending and financial services has allowed it to expand into new markets while maintaining a focus on technological innovation and scalability.

The IPO represents Figure’s bid to become what Cagney described as part of Web3’s “Magnificent Seven” of defining companies. The public listing will provide Figure with the additional capital needed to expand its blockchain infrastructure and pursue its vision of transitioning the debt, equity and commodities markets onto the blockchain.

CEO Mike Cagney, who joined the company as an early investor before taking the helm in 2024, positioned the IPO as validation of blockchain’s practical applications in finance rather than theoretical potential. “We’re not just going public to raise capital — we’re going public to show the world what’s possible,” Cagney stated in connection with the listing.

“This isn’t the finish line. It’s a step toward building a company that can help define the future of finance,” Cagney said in a statement.

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Figure (FIGR) Stock Price Prediction 2025, 2026 and 2030

Given the growing interest in AI and blockchain assets, Figure could attract strong demand if it demonstrates robust growth metrics and a clear path to profitability. However, volatility in tech stocks and regulatory uncertainties may affect its initial pricing.

Below are data-driven, scenario-based price forecasts for Figure Technology Solutions, Inc. (FIGR) that combine the stock’s listing performance, public financials, and broader market dynamics. Each year contains two short analytical paragraphs

Figure (FIGR) Stock Price Prediction 2025

Figure’s IPO, priced at $25 per share, opened sharply higher on 11 September 2025 (intraday prints near $36) before settling with a strong debut close around $31.11. This initial surge reflected significant investor demand for crypto-related fintechs, the increased size of the IPO, and robust bookbuilding driven by major underwriters and substantial anchor interest. The implied post-listing market cap from early trading was in the billions of dollars, and press coverage emphasised the company’s recent profitability and rapid growth in home equity line of credit (HELOC) origination as the main factors driving investor interest.

For the remainder of 2025, the price is likely to be influenced by post-IPO dynamics, such as lock-up expiries, short-term buyers taking profits, and the market digesting the company’s H1 financials. If HELOC growth continues and positive guidance pushes institutional demand, FIGR stock could reach $55.00 amid bullish sentiment. However, if selling pressure and broader market weakness dominate, FIGR stock could slump to $18.00.

Figure (FIGR) Stock Price Prediction 2026

In terms of 2026, the price of FIGR will depend on the company’s ability to convert IPO proceeds into sustained growth by increasing HELOC origination, expanding marketplace liquidity and demonstrating repeatable profitability. If FIGR executes its marketplace vision and its technology continues to materially reduce loan processing times (a core product claim), the stock’s valuation could increase as investors reward consistent earnings growth. Conversely, any slowdown in mortgage or refinancing demand, regulatory headwinds for crypto-linked business lines or failure to meet targets would cause the valuation to fall significantly.

Assuming strong marketplace adoption and margin improvement driven by favourable investor sentiment towards fintech/crypto infrastructure companies, the maximum price target for FIGR stock could be $95. Conversely, if growth disappoints and macro tightness persists, FIGR stock could fall to $14 in a bear market.

Figure (FIGR) Stock Price Prediction 2030

By 2030, FIGR’s valuation will reflect its success in becoming a durable, technology-driven alternative in the consumer lending and digital asset gateway sectors. In a positive structural scenario, FIGR will leverage its blockchain and marketplace stack to generate recurring fee income, expand its product range to include secondary trading and tokenised assets, and secure enterprise partnerships. This will create a recurring revenue base and support a higher earnings multiple. However, in a negative structural case, competition from incumbent banks, regulatory restrictions on certain digital asset products or an inability to scale up profitably could leave the company as a niche player with limited scope for growth.

In conclusion, if FIGR establishes itself as a leader in its niche by 2030, captures sustained market share, and maintains financial stability, its stock could appreciate significantly, potentially reaching a peak price of $200. However, under a bearish scenario, FIGR stock could fall to a minimum price of $20 in the event of underperformance and competitive or regulatory pressure.

The table below summarizes our price projections for the Figure (FIGR) stock price in 2025, 2026 and 2030.

Year	Low Case	Base Case	Bull Case
2025	$18.00	$33.00	$55.00
2026	$14.00	$45.00	$95.00
2030	$20.00	$110.00	$200.00

Note: These are not investment recommendations — they are structured outlooks that identify key upside drivers and downside risks you should monitor.

Should You Buy FIGR Stock After IPO?

Investing in FIGR stock post-IPO involves evaluating both opportunities and risks. As for whether FIGR stock is a good investment, it is important to consider the benefits and risks of investing in it:

Benefits to Consider	Risks to Weigh
Figure operates in high-growth fintech and blockchain segments, which have long-term disruptive potential.	Fintech remains a competitive arena—Figure’s ability to sustain growth amidst rivals and macro uncertainty remains to be proven.
Profitable growth and distinctive tech advantage—especially in home equity lending—could reward patient investors.	Market enthusiasm could drive short-term overvaluation; studies show IPOs with high pre-launch hype often underperform in the long term.
Listing may increase visibility and liquidity, potentially drawing broader institutional interest.	Long-term performance may face pressure as regulatory challenges related to blockchain technology could also pose hurdles.

It is advisable to monitor the market’s response immediately after the IPO, and to consider waiting until the lock-up period has expired before making any significant investment decisions. When investing in newly public companies, diversification and risk tolerance should be the guiding principles.

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Conclusion

Backed by profitability, revenue growth, and operational innovation, Figure Technologies is set for a high-profile Nasdaq debut. Figure’s debut follows other notable fintech IPOs this year and reflects broader investor confidence in companies that have demonstrated practical applications of emerging technologies rather than purely speculative ventures. The Figure IPO is certainly a landmark event in crypto finance, generating excitement and caution in equal measure.

While short-term gains may result from underpricing and hype, long-term returns will hinge on Figure’s capacity to scale operations, achieve profitability, and maintain regulatory compliance. For investors with a strategic outlook, FIGR stock could provide a valuable entry point into the regulated crypto ecosystem, provided they carefully evaluate the company’s fundamentals, market risks and broader sector dynamics.

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