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

USA - Nasdaq - NASDAQ:FIGR - US3493811034 - Common Stock

34.8 USD
-0.81 (-2.27%)
Last: 11/21/2025, 8:00:01 PM
34.74 USD
-0.06 (-0.17%)
After Hours: 11/21/2025, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, FIGR scores 3 out of 10 in our fundamental rating. FIGR was compared to 55 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

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2

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

FIGR has a worse Return On Assets (1.35%) than 61.82% of its industry peers.
FIGR has a worse Return On Equity (4.35%) than 70.91% of its industry peers.
Looking at the Return On Invested Capital, with a value of 11.55%, FIGR belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
Industry RankSector Rank
ROA 1.35%
ROE 4.35%
ROIC 11.55%
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

The Profit Margin of FIGR (5.05%) is worse than 65.45% of its industry peers.
With a decent Operating Margin value of 21.78%, FIGR is doing good in the industry, outperforming 78.18% of the companies in the same industry.
Industry RankSector Rank
OM 21.78%
PM (TTM) 5.05%
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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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FIGR is still creating some value.
FIGR has about the same amout of shares outstanding than it did 1 year ago.
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

An Altman-Z score of 5.43 indicates that FIGR is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 5.43, FIGR belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
FIGR has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.44, FIGR is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF N/A
Altman-Z 5.43
ROIC/WACC1.08
WACC10.7%
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

FIGR has a Current Ratio of 1.33. This is a normal value and indicates that FIGR is financially healthy and should not expect problems in meeting its short term obligations.
FIGR has a Current ratio of 1.33. This is in the better half of the industry: FIGR outperforms 61.82% of its industry peers.
FIGR has a Quick Ratio of 1.33. This is a normal value and indicates that FIGR is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of FIGR (1.33) is better than 61.82% of its industry peers.
Industry RankSector Rank
Current Ratio 1.33
Quick Ratio 1.33
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

The Earnings Per Share has grown by an impressive 135.93% over the past year.
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 122.96% yearly.
FIGR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.21% yearly.
EPS Next Y494.96%
EPS Next 2Y198.13%
EPS Next 3Y122.96%
EPS Next 5YN/A
Revenue Next Year29.76%
Revenue Next 2Y27.52%
Revenue Next 3Y26.21%
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
FIGR Yearly EPS VS EstimatesFIGR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 435.00, FIGR can be considered very expensive at the moment.
81.82% of the companies in the same industry are cheaper than FIGR, based on the Price/Earnings ratio.
FIGR is valuated expensively when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 47.40, which means the current valuation is very expensive for FIGR.
Based on the Price/Forward Earnings ratio, FIGR is valued a bit more expensive than 74.55% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FIGR to the average of the S&P500 Index (34.42), we can say FIGR is valued slightly more expensively.
Industry RankSector Rank
PE 435
Fwd PE 47.4
FIGR Price Earnings VS Forward Price EarningsFIGR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

4.2 Price Multiples

FIGR's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. FIGR is more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 79.89
FIGR Per share dataFIGR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

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.
A more expensive valuation may be justified as FIGR's earnings are expected to grow with 122.96% in the coming years.
PEG (NY)0.88
PEG (5Y)N/A
EPS Next 2Y198.13%
EPS Next 3Y122.96%

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0

5. Dividend

5.1 Amount

FIGR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FIGURE TECHNOLOGY SOLUT-CL A

NASDAQ:FIGR (11/21/2025, 8:00:01 PM)

After market: 34.74 -0.06 (-0.17%)

34.8

-0.81 (-2.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners20.31%
Inst Owner ChangeN/A
Ins Owners9.62%
Ins Owner Change-16.65%
Market Cap7.42B
Revenue(TTM)340.88M
Net Income(TTM)17.21M
Analysts81.54
Price Target49.32 (41.72%)
Short Float %2.85%
Short Ratio2.67
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 435
Fwd PE 47.4
P/S 21.77
P/FCF N/A
P/OCF N/A
P/B 18.74
P/tB 18.74
EV/EBITDA 79.89
EPS(TTM)0.08
EY0.23%
EPS(NY)0.73
Fwd EY2.11%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.6
BVpS1.86
TBVpS1.86
PEG (NY)0.88
PEG (5Y)N/A
Graham Number1.83
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 4.35%
ROCE 12.82%
ROIC 11.55%
ROICexc 70.99%
ROICexgc 70.99%
OM 21.78%
PM (TTM) 5.05%
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 Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF N/A
Debt/EBITDA 1.9
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.33
Quick Ratio 1.33
Altman-Z 5.43
F-ScoreN/A
WACC10.7%
ROIC/WACC1.08
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 Y494.96%
EPS Next 2Y198.13%
EPS Next 3Y122.96%
EPS Next 5YN/A
Revenue 1Y (TTM)62.68%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year29.76%
Revenue Next 2Y27.52%
Revenue Next 3Y26.21%
Revenue Next 5YN/A
EBIT growth 1Y31293.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
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 3 / 10 to FIGR.


What is the valuation status of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) stock?

ChartMill assigns a valuation rating of 2 / 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 2 / 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 435 and the Price/Book (PB) ratio is 18.74.


How financially healthy is FIGURE TECHNOLOGY SOLUT-CL A?

The financial health rating of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) is 5 / 10.