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Figure Technology Solutions, Inc.

FIGR

$20.89 ▼ -2.11 (-9.17%) at close

3 Visible periods

28 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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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.

Market Cap $2.4B

Dividend Yield —

Revenue Growth 48.7% ↘

Op. Margin 23.2% ↗

ROIC 7.8% ↗

FCF / Share $0.55 ↗

Trailing P/E 38.7x

Price / Book 2.0x

FCF Yield 2.6%

Debt / Equity 0.45

info Valuation on last close. End-of-day price, Nov 5, 2026.

3-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$506.87M

↑ +48.7% —

Net Income Profit after all expenses

$133.86M

↑ +677.6% —

Operating Margin Operating profit as % of sales

23.2%

↑ +755.9% 79th

FCF / Share Free cash flow per share

$0.55

↑ +128.0% —

Long-Term Debt Long-term obligations

$557.24M

↑ +17.8% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns ↑

Financial Health ↓

Cash Quality ↓

Financial view

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📈 Is growth accelerating? 4 metrics

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	—

💰 Are margins durable? 5 metrics

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

🎯 Is capital allocation efficient? 3 metrics

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%)	—

⚖️ Is the balance sheet risky? 4 metrics

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	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$4.43	$5.24	$4.08
Basic EPS, GAAP (USD)	$0.54	$0.00	$-0.93
Free Cash Flow per Share (USD)	$0.55	$-1.95	$-0.65
Book Value per Share (USD)	$10.74	$5.46	—
Tangible Book Value per Share (USD)	$10.74	$5.46	—
Basic Weighted Avg Shares (shares)	114.44M	65.02M	51.31M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Working Capital (USD)	$1.02B	$229.16M	—
LT Debt (USD)	$557.24M	$473.18M	—
Total Equity (USD)	$1.23B	$355.10M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$506.87M	$340.88M	$209.55M
Net Income, GAAP (USD)	$133.86M	$17.21M	$-47.94M
Operating Cash Flow (USD)	$62.57M	$-127.01M	$-33.35M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 3 years · 8 quarters

Figure Technology Solutions, Inc.

Analytical Summary

3-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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