FIGURE TECHNOLOGY SOLUT-CL A (FIGR) Fundamental Analysis & Valuation

NASDAQ:FIGR • US3493811034

Current stock price

33.38 USD
-0.96 (-2.8%)
Last:

This FIGR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FIGR Profitability Analysis

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

  • The Return On Assets of FIGR (6.30%) is better than 75.93% of its industry peers.
  • With a Return On Equity value of 11.64%, FIGR perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
  • The Return On Invested Capital of FIGR (12.98%) is better than 83.33% 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 75.93% of the companies in the same industry.
  • FIGR has a better Operating Margin (28.87%) than 75.93% 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. FIGR Health Analysis

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.
  • Compared to 1 year ago, FIGR has about the same amount of shares outstanding.
  • 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

  • An Altman-Z score of 5.53 indicates that FIGR is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of FIGR (5.53) is better than 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.
  • With an excellent Debt to Equity ratio value of 0.17, FIGR belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z 5.53
ROIC/WACC1.42
WACC9.17%
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.
  • With a decent Current ratio value of 2.26, FIGR is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • A Quick Ratio of 2.26 indicates that FIGR has no problem at all paying its short term obligations.
  • FIGR's Quick ratio of 2.26 is fine compared to the rest of the industry. FIGR outperforms 75.93% 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. FIGR Growth Analysis

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.
  • 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 109.00% on average per year.
  • The Revenue is expected to grow by 33.17% on average over the next years. This is a very strong growth
EPS Next Y806.55%
EPS Next 2Y237.97%
EPS Next 3Y142.65%
EPS Next 5Y109%
Revenue Next Year52.54%
Revenue Next 2Y45.7%
Revenue Next 3Y37.94%
Revenue Next 5Y33.17%

3.3 Evolution

FIGR Yearly Revenue VS EstimatesFIGR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
FIGR Yearly EPS VS EstimatesFIGR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 0.5 1 1.5

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2

4. FIGR Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 36.68, the valuation of FIGR can be described as expensive.
  • Based on the Price/Earnings ratio, FIGR is valued expensively inside the industry as 83.33% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 26.91. FIGR is valued slightly more expensive when compared to this.
  • FIGR is valuated quite expensively with a Price/Forward Earnings ratio of 35.38.
  • Based on the Price/Forward Earnings ratio, FIGR is valued a bit more expensive than 75.93% of the companies in the same industry.
  • FIGR's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 23.69.
Industry RankSector Rank
PE 36.68
Fwd PE 35.38
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 30.49
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

  • FIGR's 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 142.65% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y237.97%
EPS Next 3Y142.65%

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0

5. FIGR Dividend Analysis

5.1 Amount

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

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FIGR Fundamentals: All Metrics, Ratios and Statistics

FIGURE TECHNOLOGY SOLUT-CL A

NASDAQ:FIGR (4/9/2026, 3:48:01 PM)

33.38

-0.96 (-2.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)N/A
Inst Owners55.55%
Inst Owner Change0%
Ins Owners5.05%
Ins Owner Change-22.46%
Market Cap7.20B
Revenue(TTM)687.84M
Net Income(TTM)135.91M
Analysts78.67
Price Target55.99 (67.74%)
Short Float %9.76%
Short Ratio2.68
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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)-12.41%
PT rev (3m)10.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.88%
EPS NY rev (1m)0%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.13%
Valuation
Industry RankSector Rank
PE 36.68
Fwd PE 35.38
P/S 10.47
P/FCF N/A
P/OCF N/A
P/B 6.17
P/tB 6.17
EV/EBITDA 30.49
EPS(TTM)0.91
EY2.73%
EPS(NY)0.94
Fwd EY2.83%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.19
BVpS5.41
TBVpS5.41
PEG (NY)0.05
PEG (5Y)N/A
Graham Number10.53
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 5.53
F-ScoreN/A
WACC9.17%
ROIC/WACC1.42
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 Y806.55%
EPS Next 2Y237.97%
EPS Next 3Y142.65%
EPS Next 5Y109%
Revenue 1Y (TTM)62.68%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year52.54%
Revenue Next 2Y45.7%
Revenue Next 3Y37.94%
Revenue Next 5Y33.17%
EBIT growth 1Y31293.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year213.84%
EBIT Next 3Y86.74%
EBIT Next 5Y63.24%
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 Fundamental Analysis 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 2 / 10 to FIGURE TECHNOLOGY SOLUT-CL A (FIGR). This can be considered as Overvalued.


How profitable is FIGURE TECHNOLOGY SOLUT-CL A (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 36.68 and the Price/Book (PB) ratio is 6.17.


Can you provide the expected EPS growth for FIGR stock?

The Earnings per Share (EPS) of FIGURE TECHNOLOGY SOLUT-CL A (FIGR) is expected to grow by 806.55% in the next year.