60.56 USD
-7.36 (-10.84%)
FIGR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. The financial health of FIGR is average, but there are quite some concerns on its profitability. FIGR is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year FIGR was profitable.
1.2 Ratios
- FIGR has a Return On Assets of 6.30%. This is in the better half of the industry: FIGR outperforms 75.47% of its industry peers.
- FIGR's Return On Equity of 11.64% is in line compared to the rest of the industry. FIGR outperforms 47.17% of its industry peers.
- FIGR has a Return On Invested Capital of 12.98%. This is amongst the best in the industry. FIGR outperforms 84.91% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- FIGR has a better Profit Margin (19.76%) than 73.58% of its industry peers.
- FIGR has a better Operating Margin (28.87%) than 77.36% of its industry peers.
| Industry Rank | Sector 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
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.
2.2 Solvency
- FIGR has an Altman-Z score of 9.85. This indicates that FIGR is financially healthy and has little risk of bankruptcy at the moment.
- FIGR has a better Altman-Z score (9.85) than 98.11% of its industry peers.
- A Debt/Equity ratio of 0.17 indicates that FIGR is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.17, FIGR belongs to the top of the industry, outperforming 84.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 9.85 |
ROIC/WACC1.44
WACC8.99%
2.3 Liquidity
- A Current Ratio of 2.26 indicates that FIGR has no problem at all paying its short term obligations.
- FIGR's Current ratio of 2.26 is fine compared to the rest of the industry. FIGR outperforms 75.47% of its industry peers.
- 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 Quick ratio of 2.26. This is in the better half of the industry: FIGR outperforms 75.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.26 | ||
| Quick Ratio | 2.26 |
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.
- 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 145.14% 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 35.43% on average per year.
EPS Next Y821.38%
EPS Next 2Y242.77%
EPS Next 3Y145.14%
EPS Next 5YN/A
Revenue Next Year51.49%
Revenue Next 2Y43.29%
Revenue Next 3Y35.43%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 66.55 indicates a quite expensive valuation of FIGR.
- 83.02% 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 28.60. FIGR is valued rather expensively when compared to this.
- Based on the Price/Forward Earnings ratio of 62.40, the valuation of FIGR can be described as expensive.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FIGR indicates a slightly more expensive valuation: FIGR is more expensive than 75.47% of the companies listed in the same industry.
- FIGR is valuated expensively when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.55 | ||
| Fwd PE | 62.4 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, FIGR is valued a bit more expensive than 64.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 63.51 |
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 145.14% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y242.77%
EPS Next 3Y145.14%
5. Dividend
5.1 Amount
- No dividends for FIGR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 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 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 66.55 and the Price/Book (PB) ratio is 11.1.
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.