Figure Technology Solutions FIGR
United StatesFinancial Services · Capital MarketsUSD
53.00 USD (+91.5%)
8 analysts
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Figure Technology Solutions is a financial services company offering technology and capital solutions for the mortgage and lending sector, combining digital platforms with proprietary financing.
Key points
from its scores- ✓Strong growth10.0
- ✓High-quality business9.1
- ✓Very solid balance sheet8.3
- ✕Little or no dividend1.4
- ✕Poor share-price trend1.8
AI analysis
bottom line, main risk, context and newsQuality and growth are outstanding, but the demanding valuation and weak momentum limit short-term upside potential.
Figure Technology Solutions shows exceptional fundamentals: ROE of 26.12%, operating and net margins above 35%, and revenue growth of 120.80%, although its valuation (P/E 29.76) and negative momentum (-17.47%) suggest the market already discounts much of the expectations.
The main risk is the sustainability of growth: with a 337.50% increase in earnings, any slowdown in the mortgage sector or in the adoption of its platform could trigger a severe correction in a stock trading at a high P/E.
Context and risks
No relevant recent news and no material exposure to current macro factors: the company operates in financial services with a solid balance sheet (ROE 26.12%), without significant debt exposure to the rate hike, and its activity does not depend on commodities or conflict maritime routes.
Is Figure Technology Solutions stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 127% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 29.8 | 13.7 | +117% |
| Price / book | 4.4 | 1.9 | +136% |
| Price / sales | 10.0 | 3.5 | +191% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 3.4 out of 10 (median for Financial Services: 5.2).
Average analyst target: 53.00 USD, +91.5% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 9.1 (sector 8.8), Growth 10.0 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 29.8
- Forward P/E
- 14.8
- Price / book
- 4.4
- Price / sales
- 10.0
- PEG
- 0.42
- Market cap
- 6.2B USD
- Enterprise value
- 6.2B USD
Profitability
- ROE
- 26.1%
- ROA
- 5.1%
- ROIC (approx.)
- 7.6%
- Gross margin
- 100.0%
- Operating margin
- 35.5%
- Net margin
- 38.3%
- Free cash flow
- −254.0M USD
- FCF yield
- −4.1%
Solvency
- Total debt
- 1.5B USD
- Net debt
- 36.9M USD
- Cash
- 1.4B USD
- Debt / equity
- 104.34
- Current ratio
- 1.86
- Quick ratio
- 1.19
Growth
- Revenue growth
- +120.8%
- Earnings growth
- +337.5%
- EPS (TTM)
- 0.93 USD
- EPS (forward)
- 1.87 USD
Dividend
- Dividend yield
- 0.0%
- Payout
- 0.0%
Risk and market
- Analyst consensus
- Buy (8)
- Target price
- 53.00 USD
- 52-week range
- 24.11 – 78.00
Recent news
All FIGR news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Figure Technology Solutions
Is Figure Technology Solutions stock cheap or expensive?
On P/E and Price / book, it trades 127% above the Financial Services median on average. Valuation score: 3.4 out of 10 (median for Financial Services: 5.2). Average analyst target: 53.00 USD, +91.5% versus the price. This is not investment advice.
What score does Figure Technology Solutions get on MeridIAn Screener?
It scores 5.8 out of 10, rank 1,152 of 2,130 (better than 43% of the companies analysed). Its strongest category is Growth (10.0) and its weakest, Dividend (1.4). Analysis of 08/10/2026.
What is Figure Technology Solutions's P/E ratio?
Its P/E is 29.8: the share price equals 29.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 14.8.
How much is Figure Technology Solutions worth on the stock market?
Its market capitalisation is 6.2B USD.
Does Figure Technology Solutions pay a dividend?
It pays no dividend, or almost none.
How has Figure Technology Solutions stock performed over the last year?
It has fallen 34.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 24.11 and 78.00 USD. Past performance does not guarantee future results.
What do analysts think of Figure Technology Solutions?
8 analysts cover it; their average recommendation is “Buy” and their average target is 53.00 USD (+91.5% versus the price). It is an estimate, not market data.