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FIGRFigure Technology Solutions, Inc. Class A Common Stock
$28.54$5.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
FIGR logo

Figure Technology Solutions, Inc. Class A Common Stock

FIGR
NASDAQ · Capital Markets
$28.54
At close - Oct 1, 4:00 PM EDT - USD
Market Cap$5.21B
P/E64.9x
52W High$78.00
Volume4.96M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee-Driven Scalability Confronts HELOC Market Concentration Risk

Figure Technology Solutions presents a compelling, high-growth profile as a fee-driven platform with a 98.1% non-interest income mix, enabling a best-in-class 31.8% efficiency ratio that suggests significant operating leverage. The company's fortress balance s...

GrowthAccelerating
ProfitabilityStrong
ValuationExpensive
TechnicalsWeak
Explore valuation models
MARKET ACTION

FIGR price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

2/5 Beats

EPS beat 2 of last 5 quarters

02

Valuation risk

+160% Peers

P/E is 160% above peer median

03

Market leadership

RS 38 · Lag

Laggard (Underperforming 62% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 12

Market performance

Price History →

Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FIGR-34.75%
S&P 500 (^GSPC)+11.83%
1-Year Return
FIGR-24.54%
S&P 500 (^GSPC)+14.29%
3-Year Return
FIGR-8.26%
S&P 500 (^GSPC)+77.25%
5-Year Return
FIGR-8.26%
S&P 500 (^GSPC)+74.27%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
64.8x
Forward P/EExpansion
24.6x
EV/EBITDA0th %ile
26.8x
FCF YieldCash Flow
0.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
64.8x
92.8x
0th· Low
EV/EBITDA
26.8x
61.7x
0th· Low
Price/FCF
124.3x
276.3x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$7.33-74.3%
Base (Fair)$8.40-70.6%
Bull$9.73-65.9%
$7.33 Bear$8.40 Base$9.73 Bull
Current Market Price: $28.54
Trades at a 239.8% premium to Base DCF ($8.40)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$408M+83.2% YoY
Net income
$134M+677.6% YoY
Free cash flow
$42M+127.5% YoY
Operating margin
40.7%+36.5 pts YoY
ROIC (TTM)7.7%
Avg ROIC 5Y-
ROE (TTM)16.7%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate2/5 (50%)
Revenue Beat Rate4/5 (100%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 13, 2026
$0.37+52.6%
vs $0.24
$218M+4.9%
vs $208M
Q2 2026
May 11, 2026
$0.18-3.3%
vs $0.19
$167M+4.7%
vs $160M
Q1 2026
Feb 26, 2026
$0.06-53.8%
vs $0.13
$158M+1.5%
vs $155M
Q4 2025
Nov 13, 2025
$0.34+110.3%
vs $0.16
$156M+31.0%
vs $119M
Historical baseline: 5 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 21, 2026
Strength Seen in Figure Technology (FIGR): Can Its 5.3% Jump Turn into More Strength?

Figure Technology (FIGR) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might help the stock continue moving higher in the near term.

Defense World·Sep 21, 2026
Analyzing Fiserv (NASDAQ:FISV) and Figure Technology Solutions (NASDAQ:FIGR)

Fiserv (NASDAQ: FISV - Get Free Report) and Figure Technology Solutions (NASDAQ: FIGR - Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, valuation and dividends. Analyst Ratings This is a summary of current

Defense World·Sep 21, 2026
Figure Technology Solutions, Inc. (NASDAQ:FIGR) Receives Average Rating of “Moderate Buy” from Brokerages

Figure Technology Solutions, Inc. (NASDAQ: FIGR - Get Free Report) has earned a consensus rating of "Moderate Buy" from the eleven analysts that are presently covering the company, MarketBeat Ratings reports. One investment analyst has rated the stock with a sell rating, two have assigned a hold rating, six have given a buy rating and two

Defense World·Sep 17, 2026
WINTON GROUP Ltd Sells 49,167 Shares of Figure Technology Solutions, Inc. $FIGR

WINTON GROUP Ltd trimmed its position in Figure Technology Solutions, Inc. (NASDAQ: FIGR) by 78.6% during the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor owned 13,421 shares of the company's stock after selling 49,167 shares during the period. WINTON

Filtered for Figure Technology Solutions, Inc. Class A Common StockMore Headlines
04

Compare before deciding

Benchmark FIGR against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Figure Technology Solutions, Inc. Class A Common Stock (FIGR)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FIGR logoFIGRFigure Technology Solutions, Inc. Class A Common StockCurrent
$28.54$5.21B64.8683.2%32.78%16.73%—
UWMC logoUWMCUWM Holdings Corporation
$1.20$186.66M10.0085.84%-1.41%-2.58%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$61.95$3.22B6.66339.48%13.68%9.14%—
RKT logoRKTRocket Companies, Inc.
$11.97$33.8B-435.2722.99%4.8%2.4%—
LDI logoLDIloanDepot, Inc.
$0.61$205.37M-2.0455.3%-4.75%-18.63%—

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.

Closest Rival

vs UWMC

Most directly comparable listed peer for FIGR.

Scale Benchmark

vs HOOD

Larger-name benchmark to compare FIGR against a more recognizable public peer.

Peer Set

Compare Top 5

vs UWMC, GHLD, PFSI, RKT

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FIGR SEC Filings & Documents

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 13, 2026·SEC

Material company update

Jul 14, 2026·SEC

Material company update

Jul 10, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 16, 2026·SEC

10-Q Quarterly Reports

3
FY 2026

Aug 14, 2026·SEC

FY 2026

May 15, 2026·SEC

FY 2025

Nov 13, 2025·SEC

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FIGR Frequently Asked Questions

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Figure Technology Solutions, Inc. Class A Common Stock growing?

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) grew revenue by 83.2% over the past year. This is strong growth.

Is FIGR profitable?

Yes, Figure Technology Solutions, Inc. Class A Common Stock (FIGR) is profitable, generating $237.1M in net income for fiscal year 2025 (32.8% net margin).

Dividend & Returns
What is FIGR's return on equity?

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has a return on equity (ROE) of 16.7%. This is reasonable for most industries.

Industry Metrics
What is Figure Technology Solutions, Inc. Class A Common Stock's net interest margin?

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.

What is Figure Technology Solutions, Inc. Class A Common Stock's efficiency ratio?

Figure Technology Solutions, Inc. Class A Common Stock (FIGR) has an efficiency ratio of 47.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FIGR back in 2023?

Total return calculator · dividends reinvested · 3+ years of data

See returns →