Figure Technology Solutions, Inc.
FIGR
Analytical Summary
Figure Technology Solutions, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.
3-Year Financial Trajectory
AnnualBullish Indicators
- Operating Margin (%)Operating Margin (%) is in the top quartile
- Profit Margin (%)Profit Margin (%) is in the top quartile
Bearish Risks
- No bearish risks detected.
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|
| Revenue Growth YoY (%) |
48.7%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+712%)
|
62.7%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+945%)
|
— |
| EPS Growth YoY (%) | — |
100.0%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— |
| Net Income Growth YoY (%) |
677.6%
Excellent
Excellent
Year-over-year change in net income |
N/M | — |
| FCF Growth YoY (%) | N/M |
-200.5%
Weak
Weak
Year-over-year change in free cash flow |
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|
| Operating Margin (%) (%) |
23.2%
Good
↑
Good
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-7%)
|
2.7%
Weak
Weak
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-89%)
|
-23.6%
Weak
Weak
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-194%)
|
| Effective Tax Rate (%) (%) |
-18.1%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
9.9%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.2%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
| Profit Margin (%) (%) |
26.4%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+20%)
|
5.0%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-77%)
|
-22.9%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-204%)
|
| FCF Margin (%) (%) |
12.3%
Fair
↑
Fair
Improving
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-37.3%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-15.9%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
| FCF / Net Income (x) |
0.47x
Weak
↑
Weak
Improving
Free cash flow relative to reported net income
Optimal:
> 1x
|
-7.38x
Weak
Weak
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.70x
Weak
Weak
Free cash flow relative to reported net income
Optimal:
> 1x
|
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|
| Return on Invested Capital (%) |
7.8%
Fair
Fair
Return earned on debt + equity capital invested
Optimal:
> 10%
|
1.0%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
— |
| Return on Capital (%) (%) |
5.1%
Caution
Caution
Operating profit relative to total assets
Optimal:
> 10%
|
0.8%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— |
| Return on Common Equity (%) (%) |
10.9%
Fair
Fair
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-9%)
|
4.8%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-60%)
|
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|
| Debt to Equity (x) |
0.45x
Good
Good
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-62%)
|
1.33x
Caution
Caution
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Above avg (+11%)
|
— |
| Interest Coverage (x) |
2.36x
Caution
↑
Caution
Improving
Operating income divided by interest expense
Optimal:
> 5x
|
0.17x
Weak
Weak
Operating income divided by interest expense
Optimal:
> 5x
|
-1.10x
Weak
Weak
Operating income divided by interest expense
Optimal:
> 5x
|
| Net Debt (USD) | $-640.90M | $183.51M | — |
| Debt / EBITDA (x) |
4.74x
Weak
Weak
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
51.24x
Weak
Weak
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
— |
Secondary lens
Benchmark Lens
Compare FIGR against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare FIGR against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for FIGR
Operating Margin (%) is in the top quartile
Profit Margin (%) is in the top quartile
No bearish signals detected
Percentile Rankings
How FIGR compares to all companies
Peer Comparison
FIGR vs similar peers
Compare FIGR with peers
Stack FIGR against similar companies across every metric on this page.
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