Crypto Lender Figure Shares Jump 6% After Bernstein Raises Price Target► https://t.co/fZLRgATxvH https://t.co/fZLRgATxvH ...

Blockchain lender Figure Technologies (FIGR) has “tremendous growth headroom” according to analysts at investment firm Bernstein, earning it an “outperform” rating and a new price target of $54 per share.  The new price target hints at more than 30% upside based on Monday’s opening FIGR trading price of $41.02. Shares of FIGR were up 6.4% since trading began, now changing hands at $42.76.  “Figure’s technology stack brings the liquidity of blockchain capital markets to consumer loans, transforming a ‘balanc ...

Bernstein initiated coverage of Figure (FIGR) with an outperform rating and a $54 price target, calling it a leader in bringing blockchain to credit markets, the broker said in a Monday report. The stock was 2% higher in early trade, around $41.10. Bernstein said Figure is doing for lending what stablecoins did for payments, tokenizing traditional assets to make markets faster and more efficient. With roughly 75% of the $17 billion tokenized private credit market, Figure is the clear frontrunner, acco ...

Core Insights - Figure Technology Solutions is projected to see a 34% increase in share price, reaching $54, as analysts at Bernstein highlight its leadership in the blockchain-based lending market [1][4] - The overall sentiment in the crypto sector is positive, with venture capital investments rising by 70% to over $17 billion this year [1] - Figure's initial public offering on Nasdaq, supported by major Wall Street firms, signifies a shift towards mainstream acceptance of blockchain finance [3] Company Overview - Figure is recognized as the first scaled business model for tokenized credit, potentially becoming a dominant player in the $2 trillion consumer lending market [4] - The company has tokenized approximately $17 billion in private credit, holding a 75% market share in that segment [5] - Founded by former SoFi CEO Mike Cagney, Figure collaborates with major financial institutions like KKR, Apollo, and Blackstone [5] Financial Projections - Bernstein forecasts Figure's revenues to more than double from $341 million in 2024 to $754 million by 2027, driven by its capital-light model [5] - Key earnings metrics are expected to quadruple to $427 million, with profit margins increasing from 30% to 57% [5] Market Impact - Figure Connect, the company's blockchain marketplace, allows banks and credit investors to trade loans directly, reducing costs by over 90% and settlement times from days to minutes [6] - Analysts describe Figure as building the foundational infrastructure for blockchain-based capital markets, positioning it as a key player in the trillion-dollar tokenization trend [6]

Core Insights - The article addresses the challenges faced by individuals with low credit scores seeking loans in emergency situations [1][2] Group 1: Loan Options - Secured personal loans are recommended as they use an asset as collateral, improving chances of qualification but carrying the risk of asset loss [4] - Credit unions may offer unsecured loans or payday alternative loans (PALs) with lower rates compared to payday lenders, though availability varies [5] Group 2: Alternatives to High-Cost Loans - High-interest payday loans are discouraged due to aggressive debt collection tactics and potential for debt cycles [6] - Local or national charitable organizations and community action agencies can provide essential support, including interest-free loans and grants for eligible individuals [6][7]

Core Insights - As of Q2 2025, Americans have accumulated a total of $257 billion in personal loan debt, indicating a significant financial burden on consumers [1] Group 1: Strategies for Paying Off Personal Loans - Changing the timing of loan installments to coincide with income deposits can help borrowers avoid spending that money elsewhere, making it easier to stick to repayment plans [3] - Setting up automatic payments, even for small amounts like $25 or $50, can lead to significant progress in loan repayment without relying on personal discipline [4] - Addressing subscription services that are underutilized can free up $60 to $100 monthly, which can be redirected towards loan payments, thus saving on interest and accelerating debt clearance [5] Group 2: Additional Income and Mindset Shifts - Utilizing side income from freelance work or short-term gigs exclusively for loan repayment can substantially reduce the repayment timeline, with an example of $300 extra per month having a significant impact [6] - Reframing the perception of interest savings as a guaranteed return on investment can motivate borrowers to prioritize debt repayment, as paying off a 9% interest debt is akin to earning a 9% return [7]

Core Insights - Personal loans can be a viable solution for unexpected financial emergencies, providing quick access to cash when needed [2] Group 1: Uses of Personal Loans - Consolidating high-interest debt can be effectively managed through personal loans, which offer lower fixed rates compared to credit cards [3] - Personal loans can facilitate mandatory relocations for work, providing necessary funds for initial expenses when savings are insufficient [4] - They can also cover extensive out-of-pocket medical expenses, helping individuals avoid high-interest medical credit cards and ensuring timely care [5][6]

Core Insights - Growth stocks are currently leading the market, with the S&P 500 up 14% and the Nasdaq-100 up 17% this year [2] - Three notable growth stocks to consider are Shopify, On, and Upstart [2] Group 1: Shopify - Shopify is a significant player in e-commerce, providing services rather than selling products directly to consumers [3] - The company holds over 12% market share in U.S. e-commerce, positioning itself as a competitor to Amazon [4] - E-commerce growth offers organic opportunities for Shopify, with international sales tripling since 2020 [5][6] - In Q2, Shopify's revenue grew 31% year-over-year, and operating income increased by 21% with a 9% margin [7] - Shopify's stock has risen 77% over the past year, indicating strong market confidence [7] Group 2: On - On is a rising brand in athletic wear with significant growth potential due to low brand penetration globally [8] - In Q2, total sales increased by 38% year-over-year, with apparel sales up 76% and accessories up 143% [9][10] - The company has doubled its brand penetration in the U.S. over the past year and maintains the highest gross margin in the industry at 61.5% [10] - On is expanding its product line and has engaged in successful collaborations, indicating a bright future [11] Group 3: Upstart - Upstart operates an AI-driven lending platform that assesses credit risk using extensive data, aiming to approve more loans without increasing risk [12] - The company reported over 100% revenue growth in Q2 and achieved its first net profit since 2022, with a GAAP net income of $5.6 million [13] - Upstart's stock is currently trading at a price-to-sales ratio of 6 and a forward P/E ratio of 23, suggesting an attractive valuation [13] - The company is better positioned now to navigate economic challenges and is launching more products for growth opportunities [14]

Ethereum Ecosystem Overview - Apps on Ethereum host approximately 355 billion USD in user assets [1] - ETH trades at roughly 144% of its ecosystem TVL (Total Value Locked) [1] Top Sectors & Apps by TVL - Top 5 sectors include stablecoins, lending, liquid staking, DEXs (Decentralized Exchanges), and RWAs (Real-World Assets) [1] - Leading apps by TVL are Tether, Aave, Circle, Lido, and EigenLayer [1]

Core Insights - Time Finance has partnered with verifi to launch a virtual asset inspection platform called "self-certifi" aimed at facilitating virtual inspections for SMEs and brokers [1][2] - The digital solution is expected to reduce reliance on physical inspections, thereby saving time and costs [1][2] - This initiative is part of Time Finance's digital enhancement strategy to refine processes, elevate customer experience, and minimize risk [2] Financial Performance - Time Finance reported a profit before tax (PBT) of £7.9 million for the financial year ending May 31, 2025, representing a 34% increase from the previous year's £5.9 million [3] - The company's lending book value increased by 8%, reaching £217.4 million, while deal origination rose by 5% to £96.5 million [3] Industry Impact - The partnership with verifi is expected to improve asset inspection activities across Time Finance's growing SME lending portfolio [4] - Verifi's platform aims to enhance asset inspections in the UK asset-based lending industry, emphasizing a commitment to continuous improvement [4]