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Figure Technology Solutions, Inc.

FIGR

$28.61 ▲ +0.01 (+0.03%) at close

6 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 $6.2B

Dividend Yield —

Revenue Growth 97.6% ↗

Op. Margin 25.1% ↗

ROIC 2.3% ↗

FCF / Share $-0.17

Trailing P/E 136.2x

Price / Book 4.8x

FCF Yield —

Debt / Equity 0.67

info Valuation on last close. End-of-day price, Aug 7, 2026.

6-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$167.01M

↑ +97.6% —

Net Income Profit after all expenses

$44.95M

↑ +196.5% —

Operating Margin Operating profit as % of sales

25.1%

↑ +38.4% 79th

FCF / Share Free cash flow per share

$-0.17

↑ +91.4% —

Long-Term Debt Long-term obligations

$867.25M

↑ +55.6% —

trending_up

Bullish Indicators

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

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Revenue Growth YoY (%)	97.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1527%)	90.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1412%)	54.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+813%)	—	—	—
EPS Growth YoY (%)	N/M	—	366.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	N/M	176.8% Excellent Excellent Year-over-year change in net income	227.6% Excellent Excellent Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	91.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Operating Margin (%) (%)	25.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	33.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	9.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-1.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	25.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg
Effective Tax Rate (%) (%)	-18.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-53.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	199.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	26.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	9.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	57.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+160%)	-1.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	6.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	27.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)
FCF Margin (%) (%)	-22.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	-166.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	104.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-0.84x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.88x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	—	171.06x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	15.95x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Return on Invested Capital (%)	2.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.0% Caution Caution Return earned on debt + equity capital invested Optimal: > 10%	—	-0.1% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	7.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	—	1.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Debt to Equity (x)	0.67x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.40x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	—	1.33x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+11%)	—
Interest Coverage (x)	3.03x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.15x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	—	0.75x Weak Weak Operating income divided by interest expense Optimal: > 5x	-0.06x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-597.39M	$-640.90M	$-630.37M	—	$183.51M	—
Debt / EBITDA (x)	20.68x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	19.21x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.85x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	-588.53x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Revenue per Share (USD)	$0.77	—	$1.51	$1.22	—	$1.47
Basic EPS, GAAP (USD)	$0.21	$0.06	$0.42	$-0.01	$0.00	$0.09
Free Cash Flow per Share (USD)	$-0.17	—	—	$-2.02	—	—
Book Value per Share (USD)	$5.95	—	$11.28	—	—	—
Tangible Book Value per Share (USD)	$5.95	—	$11.28	—	—	—
Basic Weighted Avg Shares (shares)	217.28M	—	103.57M	69.40M	—	68.57M

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Working Capital (USD)	$1.05B	$1.02B	$981.55M	—	$229.16M	—
LT Debt (USD)	$867.25M	$557.24M	$466.75M	—	$473.18M	—
Total Equity (USD)	$1.29B	$1.23B	$1.17B	—	$355.10M	—

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Sales/Revenue/Turnover (USD)	$167.01M	$159.91M	$156.37M	$84.51M	$83.86M	$101.01M
Net Income, GAAP (USD)	$44.95M	$15.16M	$89.58M	$-820.00K	$5.48M	$27.34M
Operating Cash Flow (USD)	$-37.82M	$13.27M	—	$-140.27M	$87.35M	—

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Synced 1 week ago 3 years · 6 quarters

Figure Technology Solutions, Inc.

Analytical Summary

6-Year Financial Trajectory

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