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

NASDAQ:FIGR • US3493811034

Current stock price

33.08 USD
-0.6 (-1.78%)
At close:
33 USD
-0.08 (-0.24%)
After Hours:

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

  • FIGR has a better Return On Assets (6.30%) than 74.07% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.64%, FIGR is in line with its industry, outperforming 42.59% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 12.98%, FIGR belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
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

  • With a decent Profit Margin value of 19.76%, FIGR is doing good in the industry, outperforming 74.07% of the companies in the same industry.
  • FIGR's Operating Margin of 28.87% is fine compared to the rest of the industry. FIGR outperforms 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FIGR 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

  • FIGR has an Altman-Z score of 5.45. This indicates that FIGR is financially healthy and has little risk of bankruptcy at the moment.
  • FIGR has a better Altman-Z score (5.45) 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.
  • FIGR has a better Debt to Equity ratio (0.17) than 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z 5.45
ROIC/WACC1.43
WACC9.11%
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.
  • FIGR has a better Current ratio (2.26) than 75.93% of its industry peers.
  • A Quick Ratio of 2.26 indicates that FIGR has no problem at all paying its short term obligations.
  • With a decent Quick ratio value of 2.26, FIGR is doing good in the industry, outperforming 75.93% of the companies in the same industry.
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

  • The Earnings Per Share has grown by an impressive 135.93% over the past year.
  • 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 109.00% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, FIGR will show a very strong growth in Revenue. The Revenue will grow by 31.39% on average per year.
EPS Next Y806.55%
EPS Next 2Y237.97%
EPS Next 3Y142.65%
EPS Next 5Y109%
Revenue Next Year52.54%
Revenue Next 2Y44.48%
Revenue Next 3Y36.17%
Revenue Next 5Y31.39%

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 36.35, the valuation of FIGR can be described as expensive.
  • 83.33% of the companies in the same industry are cheaper than FIGR, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, FIGR is valued a bit more expensive.
  • Based on the Price/Forward Earnings ratio of 35.06, 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 74.07% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. FIGR is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 36.35
Fwd PE 35.06
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as FIGR.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 29.83
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 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 (3/19/2026, 8:00:00 PM)

After market: 33 -0.08 (-0.24%)

33.08

-0.6 (-1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)N/A
Inst Owners55.55%
Inst Owner Change33%
Ins Owners5.05%
Ins Owner Change-22.24%
Market Cap7.14B
Revenue(TTM)687.84M
Net Income(TTM)135.91M
Analysts78.67
Price Target63.92 (93.23%)
Short Float %9.44%
Short Ratio2.58
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)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)-3.09%
PT rev (3m)24.4%
EPS NQ rev (1m)-19.45%
EPS NQ rev (3m)-13.94%
EPS NY rev (1m)-0.68%
EPS NY rev (3m)10.54%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)9.82%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)4.68%
Valuation
Industry RankSector Rank
PE 36.35
Fwd PE 35.06
P/S 10.38
P/FCF N/A
P/OCF N/A
P/B 6.11
P/tB 6.11
EV/EBITDA 29.83
EPS(TTM)0.91
EY2.75%
EPS(NY)0.94
Fwd EY2.85%
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 5.45
F-ScoreN/A
WACC9.11%
ROIC/WACC1.43
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 2Y44.48%
Revenue Next 3Y36.17%
Revenue Next 5Y31.39%
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.


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 36.35 and the Price/Book (PB) ratio is 6.11.


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.