To The Moon

Stablecoin issuer Figure Technologies increased the size and raised the price range of its initial public offering first mentioned on Tue, 9 Sep 2025 as retail investors bid up crypto-related stocks, confirming a Reuters report. The company revised its IPO at a price range of $20 to $22 a share – up from its previous range of $18 to $20 a share. It also raised the number of shares to 31.5 million from around 26 million. Initial FIGR's IPO would have raised as much as $526 million and valued the company at $4.1 billion. With revision and based on top end of new pricing range, Figure's IPO will raise roughly $693 million and value the company at $4.66 billion. IPO’s proceeds will fund (i) corporate growth, (ii) working capital, and (iii) potential acquisitions, further amplifying its scalability. This comes as FIGR’s market debut reflects (a) the company’s operational momentum and (b) broader industry’s shift toward AI-enhanced financial infrastructure. Figure Technologies started trading on the Nasdaq on Thu, 11 Sep 2025, under ticker $Figure Technology Solutions(FIGR)$. The Trump Government. The Trump administration's embrace of the crypto industry has prompted investors to pour money into digital assets, with recent successful debuts of : Stablecoin issuer $Circle Internet Corp.(CRCL)$ - IPO on 5 Jun 2025. Crypto exchange $Bullish(BLSH)$ - IPO on 13 Aug 2025. Crypto exchange $Gemini Space Station, Inc.(GEMI)$ - IPO on 12 Sep 2025. Not A Newbie. Co-founded in 2018 by technology entrepreneur Mike Cagney, FIGR operates a blockchain-native platform and is engaged with financial activities like: Lending. Trading. Investing in consumer credit & digital assets. Operations Advantages. (1) Platform. Figure’s blockchain technology is a key differentiator. By leveraging distributed ledger systems, the company funds home equity loans in just 10 days vs industry standards of 42 days and in the process, reduced per-loan costs by hundreds of dollars. The efficiency has enabled FIGR to become the top non-bank home equity line of credit (HELOC) lender, funding over $12.5 billion in home equity loans. Such operational advantages position FIGR to capture market share in a sector projected to grow alongside AI adoption. (2) Realtime Outreach. Another plus (+) that FIGR brings is its ability to leverage on technology to redefine entire value chains. Figure’s integration of Cotality’s API & CLIP™ technology exemplifies this trend: Real-time property data access accelerates loan processing and reduces risk. AI-driven underwriting models enhance decision-making accuracy. FIGR innovative use of technology aligns with broader industry shifts toward hyper-personalization and operational automation. For example, 72% of financial leaders now use AI in operations, with 64% relying on it for fraud detection As AI evolves from automation to prescriptive analytics, FIGR’s platform is well-positioned to capitalize on this trajectory. Speed Bumps. Despite all the positives mentioned above, it is not a bed of roses ahead. Possible speedbumps may include: Regulatory scrutiny, particularly under frameworks like the EU’s Digital Operational Resilience Act (DORA), could impact AI deployment. Additionally, FIGR’s reliance on blockchain technology, while innovative, may face scalability hurdles in a crowded market. FIGR Financials. It swung to a profit of $29 million for the 6 months ended 30 Jun 2025, versus a loss of $13 million YoY. This profitability, combined with a 2021 valuation of $3.2 billion (prior to the IPO), signals robust investor confidence in its business model. The joint lead bookrunning managers for FIGR's IPO are: $Goldman Sachs(GS)$. Jefferies Financial Group Inc (JEF)$. Bank of America Securities. More Good News. Billionaire investor Stanley Druckenmiller's Duquesne Family Office has indicated interest in buying up to $50 million worth of shares from Figure's offering. My viewpoints: (mine only) The thing about reading posts about upcoming IPO and its company’s profile is, almost all articles take on positive slant, with nary a mention about its potential downsides. Just for the record: Before 30 Jun 2025, FIGR was not consistently profitable. For FY 2023, it reported a net loss of -$47.9 million. For H1 2024, FIGR still reported loss. It was only by FY 2024. that company reported a net income of $17.2 million. This also marked the ‘turning’ point for the company. Like they say, the rest is history. When it comes to FIGR, is it worth investing ? Put in another way, the question is whether FIGR’s (1) AI-driven innovations and (2) operational efficiency — covered above, have helped to justify its valuation. FIGR’s 22% revenue growth, profitability, and blockchain-based infrastructure provide a solid foundation. But we all know that the AI fintech sector is highly competitive, with major banks and startups vying for dominance. FIGR’s success depends on its ability to maintain technological leadership while scaling profitably. Agree ? Remember to check out my other posts. (See below). Help to Repost ok, Thanks. Must Read: Click on below titles to access. Repost to share, Like as encouragement ok. Thanks. C3.ai poor earnings is a win for PLTR ? Mon, 15 September. Idea post. What's next after Jobs, Inflation & Q2 earnings? Mon, 15 September. Idea post. Will NVDA's bet on HON's quantum Pay Off ? Fri, 12 September. Pick post. Do you think FIGR is a “Buy” after reading my post ? Do you think knowing that investment guru Druckenmiller is interested is a good “Buy” signal? If you find this post interesting, give it wings! ️ Repost and share the insights ? 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