Key Stats for FIGR Stock
- Price Change for FIGR stock: +21.2%
- $FIGR Share Price as of March 10: $40
- 52-Week High: $78
- $FIGR Stock Price Target: $88
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What Happened?
Figure Technology Solutions (FIGR) stock jumped 21.2% on March 10, closing at $40 after investors breathed a collective sigh of relief. The company’s IPO lock-up agreement expired that day, allowing insiders and early investors to sell up to 185 million shares. But the feared flood of selling never came.
Instead, the stock soared. The lock-up expiration covered 147 million shares of Class A common stock, nearly 38 million shares of Class B, plus restricted stock units, stock options, and warrants tied to Figure’s September 2025 IPO at $25 per share. That IPO raised $788 million, and the stock initially climbed as high as $78 before pulling back in recent weeks on concerns about dilution.
Market watchers had braced for downward pressure. Insiders had sold about 589,000 shares worth $22 million in the 90 days leading up to the lock-up expiration. Chief Capital Officer David Todd Stevens sold shares in late February, and CFO Minchung Kgil sold nearly 33,000 shares in December at $35 each.
Yet on March 10, when the lock-up lifted, selling didn’t materialize. Instead, FIGR stock presented at the Cantor Global Technology & Industrial Growth Conference that morning, with Stevens highlighting the company’s blockchain-native capital marketplace and its growing ecosystem of 307 partners.
The timing couldn’t have been better. Figure had just reported blowout Q4 2025 results on February 26, showing consumer loan marketplace volume of $2.7 billion, up 131% year over year, and full-year 2025 volume of $8.4 billion, up 63%. Adjusted EBITDA hit $81 million in Q4 alone, with a margin of 51.6%, and the company announced a $200 million share repurchase program.
So instead of a lock-up selloff, investors saw a stock that had already weathered a secondary offering in mid-February, absorbed the data-breach headlines, and still delivered strong numbers. The 21% pop suggested the market was done pricing in the bad news and ready to focus on the fundamentals.
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What the Market Is Telling Us About FIGR Stock
The 21% surge in Figure stock tells a clear story: investors are betting the worst is behind the company. FIGR’s lock-up expiration was one of the most-watched events for the stock in March, because it represented a potential turning point.
Lock-ups often trigger volatility as supply floods the market, but in this case, the absence of selling became the story. Management had already diluted shareholders with a 4.4 million-share secondary offering at $32 in mid-February, so the incremental risk from the lock-up was less than it appeared.
Meanwhile, Figure’s business kept accelerating. Q4 marketplace volume of $2.7 billion more than doubled from the prior year, driven by Figure Connect, the company’s consumer credit marketplace that connects loan originators with institutional buyers. The platform accounted for 54% of Q4 volume, up from nearly zero a year earlier, and management said the net take rate improved to 3.8%, 40 basis points higher than last year.
By walking away from the fear around lock-up dilution, Figure investors showed confidence in the company’s growth trajectory. The stock still has a strong blockchain infrastructure moat through its Provenance blockchain, a fast-growing loan marketplace expected to add auto finance volume through the new Agora Data partnership, and 30% revenue growth forecast for the next two years.
Analysts raised their targets after the Q4 print, with Sanford C. Bernstein lifting its price objective to $72 in January. The $55 consensus target implies 39% upside from the March 10 close, framing Figure as a high-growth fintech story rather than a traditional lender.
The market rewarded that view by ignoring the lock-up overhang and focusing on the buyback, the margin expansion, and the blockchain infrastructure that differentiates Figure from peers like Upstart and LendingClub.
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Should You Invest in Figure Technology Solutions, Inc.?
The only way to really know is to look at the numbers yourself. TIKR gives you free access to the same institutional-quality financial data that professional analysts use to answer exactly that question.
Pull up FIGR, and you’ll see years of historical financials, what Wall Street analysts expect for revenue and earnings in the quarters ahead, how valuation multiples have moved over time, and whether price targets are trending up or down.
You can build a free watchlist to track FIGR alongside every other stock on your radar. No credit card required. Just the data you need to decide for yourself.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
