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

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

41.16 USD
-0.89 (-2.12%)
Last: 12/12/2025, 8:00:00 PM
40.6 USD
-0.56 (-1.36%)
After Hours: 12/12/2025, 8:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FIGR. 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. While showing a medium growth rate, FIGR is valued expensive at the moment.


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

Looking at the Return On Assets, with a value of 1.35%, FIGR is doing worse than 61.82% of the companies in the same industry.
FIGR has a Return On Equity of 4.35%. This is in the lower half of the industry: FIGR underperforms 70.91% of its industry peers.
With an excellent Return On Invested Capital value of 11.55%, FIGR belongs to the best 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

With a Profit Margin value of 5.05%, FIGR is not doing good in the industry: 65.45% of the companies in the same industry are doing better.
FIGR has a better Operating Margin (21.78%) than 78.18% of its industry peers.
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

FIGR has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for FIGR remains at a similar level compared to 1 year ago.
FIGR has a better debt/assets ratio than last year.
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 6.37. This indicates that FIGR is financially healthy and has little risk of bankruptcy at the moment.
FIGR has a better Altman-Z score (6.37) than 96.36% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that FIGR is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.44, FIGR is doing good in the industry, outperforming 78.18% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF N/A
Altman-Z 6.37
ROIC/WACC1.14
WACC10.14%
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 1.33 indicates that FIGR should not have too much problems paying its short term obligations.
The Current ratio of FIGR (1.33) is comparable to the rest of the industry.
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.
Looking at the Quick ratio, with a value of 1.33, FIGR is in line with its industry, outperforming 60.00% of the companies in the same industry.
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.
The Revenue has grown by 62.68% in the past year. This is a very strong growth!
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

Based on estimates for the next years, FIGR will show a very strong growth in Earnings Per Share. The EPS will grow by 131.91% on average per year.
Based on estimates for the next years, FIGR will show a very strong growth in Revenue. The Revenue will grow by 32.56% on average per year.
EPS Next Y720.12%
EPS Next 2Y226.13%
EPS Next 3Y131.91%
EPS Next 5YN/A
Revenue Next Year45.72%
Revenue Next 2Y40.77%
Revenue Next 3Y32.56%
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 1

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 514.50, which means the current valuation is very expensive for FIGR.
81.82% of the companies in the same industry are cheaper than FIGR, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.56. FIGR is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 46.85, the valuation of FIGR can be described as expensive.
74.55% of the companies in the same industry are cheaper than FIGR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FIGR to the average of the S&P500 Index (23.79), we can say FIGR is valued expensively.
Industry RankSector Rank
PE 514.5
Fwd PE 46.85
FIGR Price Earnings VS Forward Price EarningsFIGR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400 500

4.2 Price Multiples

60.00% of the companies in the same industry are cheaper than FIGR, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 95.07
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 131.91% in the coming years.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y226.13%
EPS Next 3Y131.91%

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0

5. Dividend

5.1 Amount

FIGR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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FIGURE TECHNOLOGY SOLUT-CL A

NASDAQ:FIGR (12/12/2025, 8:00:00 PM)

After market: 40.6 -0.56 (-1.36%)

41.16

-0.89 (-2.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)N/A N/A
Inst Owners20.31%
Inst Owner ChangeN/A
Ins Owners9.62%
Ins Owner Change-29.53%
Market Cap8.81B
Revenue(TTM)340.88M
Net Income(TTM)17.21M
Analysts80
Price Target51.38 (24.83%)
Short Float %2.87%
Short Ratio1.89
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)0
Avg Revenue beat(2)-1.96%
Min Revenue beat(2)-1.98%
Max Revenue beat(2)-1.95%
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)4.17%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)37.85%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)12.3%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 514.5
Fwd PE 46.85
P/S 25.84
P/FCF N/A
P/OCF N/A
P/B 22.25
P/tB 22.25
EV/EBITDA 95.07
EPS(TTM)0.08
EY0.19%
EPS(NY)0.88
Fwd EY2.13%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.59
BVpS1.85
TBVpS1.85
PEG (NY)0.71
PEG (5Y)N/A
Graham Number1.82
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 6.37
F-ScoreN/A
WACC10.14%
ROIC/WACC1.14
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 Y720.12%
EPS Next 2Y226.13%
EPS Next 3Y131.91%
EPS Next 5YN/A
Revenue 1Y (TTM)62.68%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year45.72%
Revenue Next 2Y40.77%
Revenue Next 3Y32.56%
Revenue Next 5YN/A
EBIT growth 1Y31293.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year189.64%
EBIT Next 3Y78.39%
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 514.5 and the Price/Book (PB) ratio is 22.25.


How financially healthy is FIGURE TECHNOLOGY SOLUT-CL A?

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