Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Financial Ratios
3 years of historical data (2023–2025) · Financial Services · Financial - Capital Markets
EV/EBITDA
22.77
↓-61% vs avg
5yr avg: 57.83
30Y Low57.8·High57.8
P/FCF
82.89
↓-55% vs avg
5yr avg: 185.12
30Y Low185.1·High185.1
P/B Ratio
6.54
↓-30% vs avg
5yr avg: 9.36
30Y Low9.4·High9.4
ROE
↑
16.7%
↓+4669% vs avg
5yr avg: 0.4%
30Y Low-22%·High17%
Debt/EBITDA
↓
0.91
↓-93% vs avg
5yr avg: 13.52
30Y Low0.9·High26.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FIGR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Figure Technology Solutions, Inc. Class A Common Stock trades at 64.9x earnings, 30% below its 5-year average of 92.8x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 378%. On a free-cash-flow basis, the stock trades at 82.9x P/FCF, 55% below the 5-year average of 185.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $5.2B | $11.6B | — | — |
| Enterprise Value | $4.2B | $10.5B | — | — |
| P/E Ratio → | 64.89 | 92.82 | — | — |
| P/S Ratio | 11.34 | 25.33 | — | — |
| P/B Ratio | 6.54 | 9.36 | — | — |
| P/FCF | 82.89 | 185.12 | — | — |
| P/OCF | 82.89 | 185.12 | — | — |
P/E links to full P/E history page with 30-year chart
FIGR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Figure Technology Solutions, Inc. Class A Common Stock's enterprise value stands at 22.8x EBITDA, 61% below its 5-year average of 57.8x. The Financial Services sector median is 11.4x, placing the stock at a 100% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | 23.07 | — | — |
| EV / EBITDA | 22.77 | 57.83 | — | — |
| EV / EBIT | 25.00 | 64.90 | — | — |
| EV / FCF | — | 168.61 | — | — |
FIGR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Figure Technology Solutions, Inc. Class A Common Stock earns an operating margin of 36.3%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from -29.6% to 36.3% over the past 3 years, signaling improving operational efficiency. ROE of 16.7% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 10.2% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 78.7% | 78.7% | 92.3% | 88.8% |
| Operating Margin | 36.3% | 36.3% | 3.3% | -29.6% |
| Net Profit Margin | 29.3% | 29.3% | 6.2% | -28.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | 16.7% | 16.7% | 5.9% | -21.6% |
| ROA | 7.7% | 7.7% | 1.9% | -7.3% |
| ROIC | 10.2% | 10.2% | 0.8% | -5.8% |
| ROCE | 16.6% | 16.6% | 2.3% | -19.5% |
FIGR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Figure Technology Solutions, Inc. Class A Common Stock carries a Debt/EBITDA ratio of 0.9x, which is very conservative (79% below the sector average of 4.3x). The company holds a net cash position — cash of $1.2B exceeds total debt of $165M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 3.3x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 1.89 | 1.87 |
| Debt / EBITDA | 0.91 | 0.91 | 26.13 | — |
| Net Debt / Equity | — | -0.83 | 1.10 | 1.34 |
| Net Debt / EBITDA | -5.66 | -5.66 | 15.23 | — |
| Debt / FCF | — | -16.51 | — | — |
| Interest Coverage | 3.33 | 3.33 | 1.39 | -0.06 |
Net cash position: cash ($1.2B) exceeds total debt ($165M)
FIGR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Figure Technology Solutions, Inc. Class A Common Stock's current ratio of 2.20x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.13x to 2.20x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 2.20 | 2.20 | 1.37 | 1.13 |
| Quick Ratio | 2.20 | 2.20 | 1.37 | 1.13 |
| Cash Ratio | 1.42 | 1.42 | 0.46 | 0.29 |
| Asset Turnover | — | 0.20 | 0.24 | 0.25 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
FIGR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Figure Technology Solutions, Inc. Class A Common Stock does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 1.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | — | — | — | — |
| Payout Ratio | — | — | 16.3% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | 1.5% | 1.1% | — | — |
| FCF Yield | 1.2% | 0.5% | — | — |
| Buyback Yield | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — |
| Shares Outstanding | — | $284M | $207M | $207M |
Peer Comparison
Compare FIGR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FIGRYou | $5B | 64.9 | 22.8 | 82.9 | 78.7% | 36.3% | 16.7% | 10.2% | 0.9 |
 UWMC | $345M | 18.5 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 GHLD | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $41B | -524.4 | 42.7 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 LDI | $392M | -3.9 | 22.2 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 ONIT | $309M | 1.7 | 25.7 | — | 94.5% | 55.3% | 33.8% | 2.9% | 25.5 |
 AFRM | $25B | 492.8 | 225.8 | 40.9 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CLST | $67M | 29.3 | 22.4 | 21.5 | 72.8% | 16.3% | 2.5% | 2.0% | 5.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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FIGR — Frequently Asked Questions
Quick answers to the most common questions about buying FIGR stock.
What is Figure Technology Solutions, Inc. Class A Common Stock's P/E ratio?
Figure Technology Solutions, Inc. Class A Common Stock's current P/E ratio is 64.9x. The historical average is 92.8x.
What is Figure Technology Solutions, Inc. Class A Common Stock's EV/EBITDA?
Figure Technology Solutions, Inc. Class A Common Stock's current EV/EBITDA is 22.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 57.8x.
What is Figure Technology Solutions, Inc. Class A Common Stock's ROE?
Figure Technology Solutions, Inc. Class A Common Stock's return on equity (ROE) is 16.7%. The historical average is 0.4%.
Is FIGR stock overvalued?
Based on historical data, Figure Technology Solutions, Inc. Class A Common Stock is trading at a P/E of 64.9x. Compare with industry peers and growth rates for a complete picture.
What are Figure Technology Solutions, Inc. Class A Common Stock's profit margins?
Figure Technology Solutions, Inc. Class A Common Stock has 78.7% gross margin and 36.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Figure Technology Solutions, Inc. Class A Common Stock have?
Figure Technology Solutions, Inc. Class A Common Stock's Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.