Logo image of FIGR

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

USA - NASDAQ:FIGR - US3493811034 - Common Stock

39.19 USD
-3.05 (-7.22%)
Last: 11/18/2025, 5:03:41 PM
38.8 USD
-0.39 (-1%)
After Hours: 11/18/2025, 5:03:41 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. FIGR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FIGR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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 Return On Assets of 1.35%. This is in the lower half of the industry: FIGR underperforms 63.64% of its industry peers.
With a Return On Equity value of 4.35%, FIGR is not doing good in the industry: 70.91% of the companies in the same industry are doing better.
FIGR's Return On Invested Capital of 11.55% is amongst the best of the industry. FIGR outperforms 83.64% of its industry peers.
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

Looking at the Profit Margin, with a value of 5.05%, FIGR is doing worse than 67.27% of the companies in the same industry.
FIGR's Operating Margin of 21.78% is fine compared to the rest of the industry. FIGR outperforms 70.91% 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

More info and screens

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.
FIGR has about the same amout of shares outstanding than it did 1 year ago.
The debt/assets ratio for FIGR has been reduced compared to a year ago.
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 6.51 indicates that FIGR is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 6.51, 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 6.51
ROIC/WACC1.07
WACC10.78%
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 (1.33) which is in line with 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.
FIGR has a Quick ratio of 1.33. This is comparable to the rest of the industry: FIGR outperforms 54.55% 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

More info and screens

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.
Looking at the last year, FIGR shows a very strong growth in Revenue. 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

The Earnings Per Share is expected to grow by 122.96% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 26.21% on average over the next years. This is a very strong growth
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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 489.87, the valuation of FIGR can be described as expensive.
81.82% of the companies in the same industry are cheaper than FIGR, based on the Price/Earnings ratio.
FIGR's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.56.
Based on the Price/Forward Earnings ratio of 53.38, 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 74.55% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FIGR to the average of the S&P500 Index (34.62), we can say FIGR is valued expensively.
Industry RankSector Rank
PE 489.87
Fwd PE 53.38
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

Based on the Enterprise Value to EBITDA ratio, FIGR is valued a bit more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 97.26
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.
FIGR's earnings are expected to grow with 122.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y198.13%
EPS Next 3Y122.96%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for FIGR!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

FIGURE TECHNOLOGY SOLUT-CL A

NASDAQ:FIGR (11/18/2025, 5:03:41 PM)

After market: 38.8 -0.39 (-1%)

39.19

-3.05 (-7.22%)

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-8.25%
Market Cap8.36B
Revenue(TTM)340.88M
Net Income(TTM)17.21M
Analysts81.54
Price Target49.32 (25.85%)
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 489.87
Fwd PE 53.38
P/S 24.52
P/FCF N/A
P/OCF N/A
P/B 21.11
P/tB 21.11
EV/EBITDA 97.26
EPS(TTM)0.08
EY0.2%
EPS(NY)0.73
Fwd EY1.87%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.6
BVpS1.86
TBVpS1.86
PEG (NY)0.99
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 6.51
F-ScoreN/A
WACC10.78%
ROIC/WACC1.07
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 489.87 and the Price/Book (PB) ratio is 21.11.


How financially healthy is FIGURE TECHNOLOGY SOLUT-CL A?

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