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

NASDAQ:FIGR • US3493811034

Current stock price

33.18 USD
-0.09 (-0.27%)
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.
  • In the past year FIGR had a positive cash flow from operations.
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 2025 0 100M -100M

1.2 Ratios

  • The Return On Assets of FIGR (4.14%) is better than 64.81% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.81%, FIGR is doing worse than 66.67% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 10.19%, FIGR is doing good in the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
ROA 4.14%
ROE 7.81%
ROIC 10.19%
ROA(3y)-1.03%
ROA(5y)N/A
ROE(3y)-4.06%
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 2025 0 10 -10 -20

1.3 Margins

  • FIGR's Profit Margin of 18.93% is fine compared to the rest of the industry. FIGR outperforms 75.93% of its industry peers.
  • The Operating Margin of FIGR (32.83%) is better than 83.33% of its industry peers.
Industry RankSector Rank
OM 32.83%
PM (TTM) 18.93%
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 2025 0 10 -10 20 -20 30

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7

2. FIGR Health Analysis

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 has been increased compared to 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 2025 50M 100M 150M 200M
FIGR Yearly Total Debt VS Total AssetsFIGR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • An Altman-Z score of 4.90 indicates that FIGR is not in any danger for bankruptcy at the moment.
  • FIGR's Altman-Z score of 4.90 is amongst the best of the industry. FIGR outperforms 96.30% of its industry peers.
  • The Debt to FCF ratio of FIGR is 15.40, which is on the high side as it means it would take FIGR, 15.40 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 15.40, FIGR perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
  • A Debt/Equity ratio of 0.19 indicates that FIGR is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.19, FIGR belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 15.4
Altman-Z 4.9
ROIC/WACC1.13
WACC9.04%
FIGR Yearly LT Debt VS Equity VS FCFFIGR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 2025 0 500M 1B

2.3 Liquidity

  • FIGR has a Current Ratio of 2.20. This indicates that FIGR is financially healthy and has no problem in meeting its short term obligations.
  • With a decent Current ratio value of 2.20, FIGR is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • A Quick Ratio of 2.20 indicates that FIGR has no problem at all paying its short term obligations.
  • FIGR has a better Quick ratio (2.20) than 72.22% of its industry peers.
Industry RankSector Rank
Current Ratio 2.2
Quick Ratio 2.2
FIGR Yearly Current Assets VS Current LiabilitesFIGR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 500M 1B 1.5B

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5

3. FIGR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 429.54% over the past year.
  • FIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.69%.
EPS 1Y (TTM)429.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%8.11%
Revenue 1Y (TTM)48.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-53.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 27.73% on average over the next years. This is a very strong growth
  • FIGR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.51% yearly.
EPS Next Y15.1%
EPS Next 2Y24.39%
EPS Next 3Y27.73%
EPS Next 5YN/A
Revenue Next Year40.61%
Revenue Next 2Y32.18%
Revenue Next 3Y27.51%
Revenue Next 5YN/A

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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1

4. FIGR Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 58.21, 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.
  • FIGR is valuated expensively when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • FIGR is valuated quite expensively with a Price/Forward Earnings ratio of 38.50.
  • Based on the Price/Forward Earnings ratio, FIGR is valued a bit more expensive than the industry average as 75.93% of the companies are valued more cheaply.
  • FIGR is valuated expensively when we compare the Price/Forward Earnings ratio to 21.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 58.21
Fwd PE 38.5
FIGR Price Earnings VS Forward Price EarningsFIGR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as FIGR.
  • Based on the Price/Free Cash Flow ratio, FIGR is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 201.45
EV/EBITDA 35.45
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • A more expensive valuation may be justified as FIGR's earnings are expected to grow with 27.73% in the coming years.
PEG (NY)3.85
PEG (5Y)N/A
EPS Next 2Y24.39%
EPS Next 3Y27.73%

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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 (4/30/2026, 11:00:06 AM)

33.18

-0.09 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength59.01
Industry Growth96.89
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners55.5%
Inst Owner Change3.45%
Ins Owners4.95%
Ins Owner Change-22.46%
Market Cap7.29B
Revenue(TTM)506.87M
Net Income(TTM)95.93M
Analysts78.67
Price Target55.65 (67.72%)
Short Float %6.87%
Short Ratio2.03
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)1
Avg EPS beat(2)22.21%
Min EPS beat(2)-58.57%
Max EPS beat(2)103%
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)2
Avg Revenue beat(2)16.19%
Min Revenue beat(2)3.56%
Max Revenue beat(2)28.81%
Revenue beat(4)2
Avg Revenue beat(4)7.11%
Min Revenue beat(4)-1.98%
Max Revenue beat(4)28.81%
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)-12.94%
PT rev (3m)-0.13%
EPS NQ rev (1m)-2.18%
EPS NQ rev (3m)1.1%
EPS NY rev (1m)-8.65%
EPS NY rev (3m)-11.19%
Revenue NQ rev (1m)2.4%
Revenue NQ rev (3m)7.53%
Revenue NY rev (1m)2.79%
Revenue NY rev (3m)4.47%
Valuation
Industry RankSector Rank
PE 58.21
Fwd PE 38.5
P/S 14.38
P/FCF 201.45
P/OCF 116.5
P/B 5.93
P/tB 5.93
EV/EBITDA 35.45
EPS(TTM)0.57
EY1.72%
EPS(NY)0.86
Fwd EY2.6%
FCF(TTM)0.16
FCFY0.5%
OCF(TTM)0.28
OCFY0.86%
SpS2.31
BVpS5.59
TBVpS5.59
PEG (NY)3.85
PEG (5Y)N/A
Graham Number8.46974 (-74.47%)
Profitability
Industry RankSector Rank
ROA 4.14%
ROE 7.81%
ROCE 11.31%
ROIC 10.19%
ROICexc 84.83%
ROICexgc 84.83%
OM 32.83%
PM (TTM) 18.93%
GM N/A
FCFM 7.14%
ROA(3y)-1.03%
ROA(5y)N/A
ROE(3y)-4.06%
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-Score6
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 15.4
Debt/EBITDA 1.26
Cap/Depr 162.32%
Cap/Sales 5.21%
Interest Coverage 3.34
Cash Conversion 34.26%
Profit Quality 37.72%
Current Ratio 2.2
Quick Ratio 2.2
Altman-Z 4.9
F-Score6
WACC9.04%
ROIC/WACC1.13
Cap/Depr(3y)169.76%
Cap/Depr(5y)N/A
Cap/Sales(3y)8.86%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)429.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%8.11%
EPS Next Y15.1%
EPS Next 2Y24.39%
EPS Next 3Y27.73%
EPS Next 5YN/A
Revenue 1Y (TTM)48.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-53.09%
Revenue Next Year40.61%
Revenue Next 2Y32.18%
Revenue Next 3Y27.51%
Revenue Next 5YN/A
EBIT growth 1Y124.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year161.79%
EBIT Next 3Y55.22%
EBIT Next 5YN/A
FCF growth 1Y120.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y146%
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 1 / 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 58.21 and the Price/Book (PB) ratio is 5.93.


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 15.1% in the next year.