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Figure Technology Solutions, Inc. Class A Common Stock (FIGR) 10-Year Financial Performance & Capital Metrics

FIGR • • Banking & Credit
Financial ServicesCapital MarketsFinancial Technology & Blockchain ServicesBlockchain Financial Services
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 Equity 5.88% +127.3%
  • Net Interest Margin -0.71% -347.1%
  • Efficiency Ratio 88.97% -24.9%
  • ROA 1.89% +126.1%
  • Equity / Assets 31.34% -7.0%
  • Book Value per Share 1.74 +63.4%
  • Tangible BV/Share 1.74 +63.4%
  • Debt/Equity 1.89 +1.6%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Well capitalized: 31.3% equity/assets
  • ✓Diversified revenue: 82.7% from non-interest income
  • ✓Trading near 52-week high

✗Weaknesses

  • ✗Weak NIM of -0.7%
  • ✗High cost structure: 89.0% efficiency ratio
  • ✗Expensive at 37.3x book value

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y-
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-

EPS CAGR

10Y-
5Y-
3Y-
TTM-

ROCE

10Y Avg-8.59%
5Y Avg-8.59%
3Y Avg-8.59%
Latest2.35%

Peer Comparison

Blockchain Financial Services
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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
FIGRFigure Technology Solutions, Inc. Class A Common Stock11.44B64.96786.4467.36%6.16%5.88%1.89
AMRKA-Mark Precious Metals, Inc.987.99M40.0956.4613.19%0.16%1.06%14.34%1.29
GLXYGalaxy Digital6.15B31.9950.78-7.4%
NCPLNetcapital Inc.5.73M0.73-0.04-82.44%-32.55%-136.8%0.18
MFHMercurity Fintech Holding Inc.351.6M5.09-68.32125.92%-450.1%-57.67%0.32
STRDMicroStrategy Incorporated 10.00% Series A Perpetual Stride Preferred Stock911.76M77.50-6.61%-251.73%13.62%0.40
UCFIWCN Healthy Food Tech Group Corp.0.0935.22%36.96%

Profit & Loss

Dec 2023Dec 2024
Net Interest Income+-1.04M-8.21M
NII Growth %--6.85%
Net Interest Margin %--
Interest Income48.16M48.21M
Interest Expense49.2M56.41M
Loan Loss Provision-30.48M-34.85M
Non-Interest Income+118.74M231.1M
Non-Interest Income %--
Total Revenue+166.89M279.31M
Revenue Growth %-0.67%
Non-Interest Expense197.61M248.5M
Efficiency Ratio--
Operating Income+-49.44M9.23M
Operating Margin %--
Operating Income Growth %-1.19%
Pretax Income+-52.34M22.09M
Pretax Margin %--
Income Tax+102K2.18M
Effective Tax Rate %--
Net Income+-47.94M17.21M
Net Margin %--
Net Income Growth %-1.36%
Net Income (Continuing)-52.44M19.91M
EPS (Diluted)+-0.230.08
EPS Growth %-1.36%
EPS (Basic)-0.230.08
Diluted Shares Outstanding208.52M208.52M

Balance Sheet

Dec 2023Dec 2024
Cash & Short Term Investments+1000K1000K
Cash & Due from Banks116.55M287.26M
Short Term Investments1000K1000K
Total Investments+42.93M251.06M
Investments Growth %-4.85%
Long-Term Investments37.07M173.19M
Accounts Receivables1000K1000K
Goodwill & Intangibles+--
Goodwill00
Intangible Assets00
PP&E (Net)00
Other Assets164.72M131.69M
Total Current Assets458.28M854.69M
Total Non-Current Assets201.79M304.89M
Total Assets+660.07M1.16B
Asset Growth %-0.76%
Return on Assets (ROA)-0.07%0.02%
Accounts Payable20.14M37.22M
Total Debt+414.99M688.59M
Net Debt298.44M401.33M
Long-Term Debt25.05M167.88M
Short-Term Debt384.22M517.91M
Other Liabilities00
Total Current Liabilities406.88M625.53M
Total Non-Current Liabilities30.77M170.67M
Total Liabilities437.64M796.2M
Total Equity+222.42M363.38M
Equity Growth %-0.63%
Equity / Assets (Capital Ratio)--
Return on Equity (ROE)-0.22%0.06%
Book Value per Share1.071.74
Tangible BV per Share--
Common Stock1K2K
Additional Paid-in Capital555.13M675.95M
Retained Earnings-338.06M-320.85M
Accumulated OCI00
Treasury Stock00
Preferred Stock1K2K

Cash Flow

Dec 2023Dec 2024
Cash from Operations+-28.87M-136.01M
Operating CF Growth %--3.71%
Net Income-52.44M19.91M
Depreciation & Amortization19.38M17.11M
Deferred Taxes00
Other Non-Cash Items-57.47M-151.58M
Working Capital Changes48.22M-60.19M
Cash from Investing+-22.11M-30.86M
Purchase of Investments-817K-30.1M
Sale/Maturity of Investments01000K
Net Investment Activity--
Acquisitions00
Other Investing-4.03M-221K
Cash from Financing+65.79M336.12M
Dividends Paid-345K-2.81M
Share Repurchases0-1M
Stock Issued00
Net Stock Activity--
Debt Issuance (Net)1000K1000K
Other Financing527K-273K
Net Change in Cash+14.81M169.25M
Exchange Rate Effect00
Cash at Beginning160.97M175.78M
Cash at End175.78M345.03M
Interest Paid44.83M55.11M
Income Taxes Paid30K48K
Free Cash Flow+-46.13M-152.64M
FCF Growth %--2.31%

Banking Ratios

Metric20232024
Return on Equity (ROE)-21.55%5.88%
Return on Assets (ROA)-7.26%1.89%
Net Interest Margin-0.16%-0.71%
Efficiency Ratio118.4%88.97%
Equity / Assets33.7%31.34%
Book Value / Share1.071.74
NII Growth--685.45%
Dividend Payout-16.31%

Frequently Asked Questions

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.

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