8-K Announcements
6Material company update
Apr 3, 2026·SEC
Material company update
Feb 26, 2026·SEC
Material company update
Feb 19, 2026·SEC
Figure Technology Solutions, Inc. Class A Common Stock(FIGR)Earnings, Financials & Key Ratios
FIGR•NASDAQ•Banking & Credit
$37.51
$7.98B mkt cap·454.1× P/E·Price updated May 7, 2026
AboutFigure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities. It serves the consumer finance sector. The company was formerly known as FT Intermediate, Inc. and changed its name to Figure Technology Solutions, Inc. in August 2025. The company was founded in 2018 and is based in Reno, Nevada.Show more
- Net Interest Income-$8M-685.5%
- Total Revenue$279M+67.4%
- Net Income$17M+135.9%
- Return on Equity5.88%+127.3%
- Net Interest Margin-0.71%-347.1%
- Efficiency Ratio88.97%-24.9%
- ROA1.89%+126.1%
- Equity / Assets31.34%-7.0%
- Book Value per Share3.51+63.4%
- Tangible BV/Share3.51+63.4%
- Debt/Equity1.89+1.6%
FIGR Key Insights
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 31.3% equity/assets
- ✓Diversified revenue: 82.7% from non-interest income
✗Weaknesses
- ✗Weak NIM of -0.7%
- ✗High cost structure: 89.0% efficiency ratio
- ✗Trading more than 30% below 52-week high
- ✗Expensive at 10.7x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FIGR Price & Volume
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) stock price & volume — 10-year historical chart
Loading chart...
FIGR Growth Metrics
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years-8.59%
5 Years-8.59%
3 Years-8.59%
Last Year2.35%
FIGR Recent Earnings
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) EPS & revenue vs analyst estimates — last 2 quarters
●Beat EPS 1/2 qtrs (50%)●Beat Revenue 2/2 qtrs (100%)
Q1 2026Latest
Feb 26, 2026EPS
$0.06
Est $0.13
-53.8%
Revenue
$158M
Est $155M
+1.5%
Q4 2025
Nov 13, 2025EPS
$0.34
Est $0.16
+110.3%
Revenue
$156M
Est $119M
+31.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $0.06vs $0.13-53.8% | $158Mvs $155M+1.5% |
| Q4 2025 | Nov 13, 2025 | $0.34vs $0.16+110.3% | $156Mvs $119M+31.0% |
Based on last 2 quarters of dataView full earnings history →
FIGR Peer Comparison
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) competitors in Digital Asset Trading and Infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UWMC | 525.75M | 3.38 | 28.17 | 65.83% | 1.67% | 9.06 | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 10.27% | 2.42 | ||
 PFSI | 4.62B | 88.65 | 9.53 | 173.81% | 12.02% | 5.35 | ||
 RKT | 39.9B | 14.13 | -282.60 | 27.37% | -0.57% | |||
 LDI | 472.39M | 1.41 | -4.70 | 37.59% | -19.61% | 13.05 | ||
 ONIT | 323.04M | 38.31 | 1.79 | -0.24% | 29.91% | 24.17 | ||
 AFRM | 22.44B | 67.36 | 449.07 | 38.8% | 11.95% | 11.17% | 2.56 | |
 UPST | 2.78B | 29.00 | 64.44 | 58.87% | 6.59% | 2.32 |
Compare FIGR vs Peers
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FIGR Income Statement
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Net Interest Income | -1.04M | -8.21M | 14.7M |
| NII Growth % | - | -685.45% | 0% |
| Net Interest Margin % | -0.16% | -0.71% | 0.68% |
| Interest Income | 48.16M | 48.21M | 50.5M |
| Interest Expense | 49.2M | 56.41M | 35.8M |
| Loan Loss Provision | -30.48M | -34.85M | 4.08M |
| Non-Interest Income | 118.74M | 231.1M | 233.18M |
| Non-Interest Income % | 71.15% | 82.74% | 82.2% |
| Total Revenue | 166.89M▲ 0% | 279.31M▲ 67.4% | 283.68M▲ 0% |
| Revenue Growth % | - | 67.36% | 0% |
| Non-Interest Expense | 197.61M | 248.5M | 138.41M |
| Efficiency Ratio | 118.4% | 88.97% | 48.79% |
| Operating Income | -49.44M▲ 0% | 9.23M▲ 118.7% | 105.4M▲ 0% |
| Operating Margin % | -29.62% | 3.31% | 37.15% |
| Operating Income Growth % | - | 118.68% | - |
| Pretax Income | -52.34M▲ 0% | 22.09M▲ 142.2% | 92.33M▲ 0% |
| Pretax Margin % | -31.36% | 7.91% | 32.55% |
| Income Tax | 102K | 2.18M | -26.88M |
| Effective Tax Rate % | -0.19% | 9.85% | -29.11% |
| Net Income | -47.94M▲ 0% | 17.21M▲ 135.9% | 118.7M▲ 0% |
| Net Margin % | -28.72% | 6.16% | 41.84% |
| Net Income Growth % | - | 135.91% | - |
| Net Income (Continuing) | -52.44M | 19.91M | 119.2M |
| EPS (Diluted) | -0.23▲ 0% | 0.08▲ 135.9% | -▲ 0% |
| EPS Growth % | - | 135.91% | - |
| EPS (Basic) | -0.23 | 0.08 | - |
| Diluted Shares Outstanding | 103.57M | 103.57M | 103.57M |
FIGR Balance Sheet
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Cash & Short Term Investments | 122.41M | 365.12M | 1.99B |
| Cash & Due from Banks | 116.55M | 287.26M | 1.1B |
| Short Term Investments | 5.87M | 77.86M | 0 |
| Total Investments | 42.93M | 251.06M | 239.69M |
| Investments Growth % | - | 484.79% | 0% |
| Long-Term Investments | 37.07M | 173.19M | 651M |
| Accounts Receivables | 17.3M | 21M | 46.24M |
| Goodwill & Intangibles | 0 | 0 | 100M |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 100M |
| PP&E (Net) | 0 | 0 | 0 |
| Other Assets | 164.72M | 131.69M | 57.37M |
| Total Current Assets | 458.28M | 854.69M | 1.76B |
| Total Non-Current Assets | 201.79M | 304.89M | 397.06M |
| Total Assets | 660.07M▲ 0% | 1.16B▲ 75.7% | 2.16B▲ 0% |
| Asset Growth % | - | 75.68% | 0% |
| Return on Assets (ROA) | -7.26% | 1.89% | 7.44% |
| Accounts Payable | 20.14M | 37.22M | 55.32M |
| Total Debt | 414.99M | 688.59M | 807.52M |
| Net Debt | 298.44M | 401.33M | -289.6M |
| Long-Term Debt | 25.05M | 167.88M | 197.83M |
| Short-Term Debt | 384.22M | 517.91M | 605.47M |
| Other Liabilities | 0 | 0 | 0 |
| Total Current Liabilities | 406.88M | 625.53M | 778.17M |
| Total Non-Current Liabilities | 30.77M | 170.67M | 202.05M |
| Total Liabilities | 437.64M | 796.2M | 980.23M |
| Total Equity | 222.42M▲ 0% | 363.38M▲ 63.4% | 1.18B▲ 0% |
| Equity Growth % | - | 63.37% | 0% |
| Equity / Assets (Capital Ratio) | 33.7% | 31.34% | 54.55% |
| Return on Equity (ROE) | -21.55% | 5.88% | 18.27% |
| Book Value per Share | 2.15 | 3.51 | 11.36 |
| Tangible BV per Share | 2.15 | 3.51 | 10.39 |
| Common Stock | 1K | 2K | 21K |
| Additional Paid-in Capital | 555.13M | 675.95M | 1.37B |
| Retained Earnings | -338.06M | -320.85M | -202.15M |
| Accumulated OCI | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 |
| Preferred Stock | 1K | 2K | 0 |
FIGR Cash Flow Statement
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) cash flow — operating, investing & free cash flow history
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Cash from Operations | -28.87M | -136.01M | -136.01M |
| Operating CF Growth % | - | -371.16% | 0% |
| Net Income | -52.44M | 19.91M | 118.96M |
| Depreciation & Amortization | 19.38M | 17.11M | 12.38M |
| Deferred Taxes | 0 | 0 | 0 |
| Other Non-Cash Items | -57.47M | -151.58M | -111.56M |
| Working Capital Changes | 48.22M | -60.19M | -1.84B |
| Cash from Investing | -22.11M | -30.86M | 1.87B |
| Purchase of Investments | -817K | -30.1M | -15.54M |
| Sale/Maturity of Investments | 0 | 1000K | 3M |
| Net Investment Activity | -817K | -29.1M | -12.54M |
| Acquisitions | 0 | 0 | 0 |
| Other Investing | -4.03M | -221K | 1.89B |
| Cash from Financing | 65.79M | 336.12M | 788.31M |
| Dividends Paid | -345K | -2.81M | -8K |
| Share Repurchases | 0 | -1M | 0 |
| Stock Issued | 0 | 0 | 671.13M |
| Net Stock Activity | 0 | -1M | 671.13M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K |
| Other Financing | 527K | -273K | 725K |
| Net Change in Cash | 14.81M▲ 0% | 169.25M▲ 1042.6% | 816.68M▲ 0% |
| Exchange Rate Effect | 0 | 0 | -1000K |
| Cash at Beginning | 160.97M | 175.78M | 441.92M |
| Cash at End | 175.78M | 345.03M | 1.16B |
| Interest Paid | 44.83M | 55.11M | 24.43M |
| Income Taxes Paid | 30K | 48K | 0 |
| Free Cash Flow | -46.13M▲ 0% | -152.64M▼ 230.9% | -1.82B▲ 0% |
| FCF Growth % | - | -230.9% | - |
FIGR Banking Ratios
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2024 | TTM |
|---|---|---|
| Return on Equity (ROE) | 5.88% | 18.27% |
| Return on Assets (ROA) | 1.89% | 7.44% |
| Net Interest Margin | -0.71% | 0.68% |
| Efficiency Ratio | 88.97% | 48.79% |
| Equity / Assets | 31.34% | 54.55% |
| Book Value / Share | 3.51 | 11.36 |
| NII Growth | -685.45% | - |
| Dividend Payout | 16.31% | 0.01% |
FIGR SEC Filings & Documents
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) SEC filings — annual & quarterly reports (10-K, 10-Q)
FIGR Frequently Asked Questions
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) grew revenue by 67.4% over the past year. This is strong growth.
Yes, Figure Technology Solutions, Inc. Class A Common Stock (FIGR) is profitable, generating $17.2M in net income for fiscal year 2024 (6.2% net margin).
Dividend & Returns
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has a return on equity (ROE) of 5.9%. This is below average, suggesting room for improvement.
Industry Metrics
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has a net interest margin (NIM) of -0.7%. NIM has been under pressure due to interest rate environment.
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has an efficiency ratio of 89.0%. This is higher than peers, suggesting room for cost optimization.
Explore More FIGR
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates