FIGURE TECHNOLOGY SOLUT-CL A (FIGR) Stock Fundamental Analysis

NASDAQ:FIGR • US3493811034

29.12 USD
-3.81 (-11.57%)
At close: Feb 20, 2026
29.13 USD
+0.01 (+0.03%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FIGR scores 4 out of 10 in our fundamental rating. FIGR was compared to 54 industry peers in the Consumer Finance industry. While FIGR seems to be doing ok healthwise, there are quite some concerns on its profitability. FIGR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • FIGR had positive earnings in the past year.
FIGR Yearly Net Income VS EBIT VS OCF VS FCFFIGR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 0 50M -50M -100M -150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 6.30%, FIGR is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • With a Return On Equity value of 11.64%, FIGR perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
  • The Return On Invested Capital of FIGR (12.98%) is better than 85.19% of its industry peers.
Industry RankSector Rank
ROA 6.3%
ROE 11.64%
ROIC 12.98%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FIGR Yearly ROA, ROE, ROICFIGR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 0 10 -10 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 19.76%, FIGR is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
  • FIGR has a Operating Margin of 28.87%. This is in the better half of the industry: FIGR outperforms 77.78% of its industry peers.
Industry RankSector Rank
OM 28.87%
PM (TTM) 19.76%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FIGR Yearly Profit, Operating, Gross MarginsFIGR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 0 10 -10 20 -20

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6

2. Health

2.1 Basic Checks

  • FIGR has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, FIGR has about the same amount of shares outstanding.
  • Compared to 1 year ago, FIGR has an improved debt to assets ratio.
FIGR Yearly Shares OutstandingFIGR Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 50M 100M 150M 200M
FIGR Yearly Total Debt VS Total AssetsFIGR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • FIGR has an Altman-Z score of 5.31. This indicates that FIGR is financially healthy and has little risk of bankruptcy at the moment.
  • FIGR's Altman-Z score of 5.31 is amongst the best of the industry. FIGR outperforms 96.30% of its industry peers.
  • FIGR has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.17, FIGR belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z 5.31
ROIC/WACC1.45
WACC8.97%
FIGR Yearly LT Debt VS Equity VS FCFFIGR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 2.26 indicates that FIGR has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.26, FIGR is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
  • FIGR has a Quick Ratio of 2.26. This indicates that FIGR is financially healthy and has no problem in meeting its short term obligations.
  • FIGR has a better Quick ratio (2.26) than 77.78% of its industry peers.
Industry RankSector Rank
Current Ratio 2.26
Quick Ratio 2.26
FIGR Yearly Current Assets VS Current LiabilitesFIGR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 200M 400M 600M 800M

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5

3. Growth

3.1 Past

  • FIGR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 135.93%, which is quite impressive.
  • FIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 62.68%.
EPS 1Y (TTM)135.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)62.68%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • FIGR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 143.93% yearly.
  • FIGR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.35% yearly.
EPS Next Y812.73%
EPS Next 2Y240.93%
EPS Next 3Y143.93%
EPS Next 5YN/A
Revenue Next Year51.63%
Revenue Next 2Y43.17%
Revenue Next 3Y35.35%
Revenue Next 5YN/A

3.3 Evolution

FIGR Yearly Revenue VS EstimatesFIGR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 200M 400M 600M 800M
FIGR Yearly EPS VS EstimatesFIGR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 32.00, which means the current valuation is very expensive for FIGR.
  • Based on the Price/Earnings ratio, FIGR is valued more expensive than 81.48% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. FIGR is around the same levels.
  • With a Price/Forward Earnings ratio of 30.33, FIGR can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, FIGR is valued a bit more expensive than the industry average as 74.07% of the companies are valued more cheaply.
  • FIGR's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 32
Fwd PE 30.33
FIGR Price Earnings VS Forward Price EarningsFIGR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • FIGR's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 28.8
FIGR Per share dataFIGR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FIGR's earnings are expected to grow with 143.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y240.93%
EPS Next 3Y143.93%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for FIGR!.
Industry RankSector Rank
Dividend Yield 0%

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FIGURE TECHNOLOGY SOLUT-CL A

NASDAQ:FIGR (2/20/2026, 8:00:01 PM)

After market: 29.13 +0.01 (+0.03%)

29.12

-3.81 (-11.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)02-26
Inst Owners48.05%
Inst Owner Change9.21%
Ins Owners4.25%
Ins Owner Change-29.53%
Market Cap6.23B
Revenue(TTM)687.84M
Net Income(TTM)135.91M
Analysts80
Price Target65.96 (126.51%)
Short Float %8.92%
Short Ratio4.25
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)13.42%
Min Revenue beat(2)-1.98%
Max Revenue beat(2)28.81%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)29.66%
PT rev (3m)33.73%
EPS NQ rev (1m)5.14%
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.1%
EPS NY rev (3m)53.41%
Revenue NQ rev (1m)4.06%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.93%
Revenue NY rev (3m)16.86%
Valuation
Industry RankSector Rank
PE 32
Fwd PE 30.33
P/S 9.06
P/FCF N/A
P/OCF N/A
P/B 5.34
P/tB 5.34
EV/EBITDA 28.8
EPS(TTM)0.91
EY3.13%
EPS(NY)0.96
Fwd EY3.3%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.21
BVpS5.46
TBVpS5.46
PEG (NY)0.04
PEG (5Y)N/A
Graham Number10.57
Profitability
Industry RankSector Rank
ROA 6.3%
ROE 11.64%
ROCE 14.4%
ROIC 12.98%
ROICexc 100.23%
ROICexgc 100.23%
OM 28.87%
PM (TTM) 19.76%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA 0.92
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.26
Quick Ratio 2.26
Altman-Z 5.31
F-ScoreN/A
WACC8.97%
ROIC/WACC1.45
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)135.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y812.73%
EPS Next 2Y240.93%
EPS Next 3Y143.93%
EPS Next 5YN/A
Revenue 1Y (TTM)62.68%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year51.63%
Revenue Next 2Y43.17%
Revenue Next 3Y35.35%
Revenue Next 5YN/A
EBIT growth 1Y31293.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year215%
EBIT Next 3Y84.91%
EBIT Next 5YN/A
FCF growth 1Y-282.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-371.16%
OCF growth 3YN/A
OCF growth 5YN/A

FIGURE TECHNOLOGY SOLUT-CL A / FIGR FAQ

What is the ChartMill fundamental rating of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FIGR.


Can you provide the valuation status for FIGURE TECHNOLOGY SOLUT-CL A?

ChartMill assigns a valuation rating of 3 / 10 to FIGURE TECHNOLOGY SOLUT-CL A (FIGR). This can be considered as Overvalued.


What is the profitability of FIGR stock?

FIGURE TECHNOLOGY SOLUT-CL A (FIGR) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for FIGR stock?

The Price/Earnings (PE) ratio for FIGURE TECHNOLOGY SOLUT-CL A (FIGR) is 32 and the Price/Book (PB) ratio is 5.34.


What is the financial health of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) stock?

The financial health rating of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) is 6 / 10.