Figure Technology Solutions, Inc. Class A Common Stock (FIGR) Financial Ratios
2 years of historical data (2023–2024) · Financial Services · Financial - Capital Markets
EV/EBITDA
318.11
—
5yr avg: N/A
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
10.69
—
5yr avg: N/A
ROE
↑
5.9%
↓+175% vs avg
5yr avg: -7.8%
30Y Low-22%·High6%
Debt/EBITDA
26.13
+0% vs avg
5yr avg: 26.13
30Y Low26.1·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 454.1x earnings, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 3355%.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Market Cap | $8.0B | — | — |
| Enterprise Value | $8.4B | — | — |
| P/E Ratio → | 454.12 | — | — |
| P/S Ratio | 28.57 | — | — |
| P/B Ratio | 10.69 | — | — |
| P/FCF | — | — | — |
| P/OCF | — | — | — |
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 318.1x EBITDA. The Financial Services sector median is 11.5x, placing the stock at a 2674% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| EV / Revenue | — | — | — |
| EV / EBITDA | 318.11 | — | — |
| EV / EBIT | 907.58 | — | — |
| EV / FCF | — | — | — |
FIGR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Figure Technology Solutions, Inc. Class A Common Stock earns an operating margin of 3.3%, below the Financial Services sector average of 21.6%. Operating margins have expanded from -29.6% to 3.3% over the past 3 years, signaling improving operational efficiency. ROE of 5.9% is modest, trailing the sector median of 9.4%. ROIC of 0.8% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Gross Margin | 92.3% | 92.3% | 88.8% |
| Operating Margin | 3.3% | 3.3% | -29.6% |
| Net Profit Margin | 6.2% | 6.2% | -28.7% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| ROE | 5.9% | 5.9% | -21.6% |
| ROA | 1.9% | 1.9% | -7.3% |
| ROIC | 0.8% | 0.8% | -5.8% |
| ROCE | 2.3% | 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 26.1x, which is highly leveraged (531% above the sector average of 4.1x). Net debt stands at $401M ($689M total debt minus $287M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Debt / Equity | 1.89 | 1.89 | 1.87 |
| Debt / EBITDA | 26.13 | 26.13 | — |
| Net Debt / Equity | — | 1.10 | 1.34 |
| Net Debt / EBITDA | 15.23 | 15.23 | — |
| Debt / FCF | — | — | — |
| Interest Coverage | 0.16 | 0.16 | -1.00 |
FIGR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.37x means Figure Technology Solutions, Inc. Class A Common Stock can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 1.13x to 1.37x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Current Ratio | 1.37 | 1.37 | 1.13 |
| Quick Ratio | 1.37 | 1.37 | 1.13 |
| Cash Ratio | 0.46 | 0.46 | 0.29 |
| Asset Turnover | — | 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 returns 0.1% to shareholders annually — split between a 0.1% dividend yield and 0.0% buyback yield. The payout ratio of 16.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 0.2% (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 2024 | FY 2023 |
|---|---|---|---|
| Dividend Yield | 0.1% | — | — |
| Payout Ratio | 16.3% | 16.3% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Earnings Yield | 0.2% | — | — |
| FCF Yield | — | — | — |
| Buyback Yield | 0.0% | — | — |
| Total Shareholder Yield | 0.1% | — | — |
| Shares Outstanding | — | $104M | $104M |
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 | $8B | 454.1 | 318.1 | — | 92.3% | 3.3% | 5.9% | 0.8% | 26.1 |
 UWMC | $526M | 28.2 | 7.7 | — | 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 | $5B | 9.5 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $40B | -282.6 | 41.8 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 LDI | $472M | -4.7 | 22.5 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 ONIT | $323M | 1.8 | 25.7 | — | 94.5% | 55.3% | 33.8% | 2.9% | 25.5 |
 AFRM | $22B | 449.1 | 210.0 | 37.3 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 UPST | $3B | 64.4 | 50.1 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 ICE | $88B | 27.1 | 16.7 | 20.6 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CLST | $66M | 28.9 | 22.0 | 21.2 | 72.8% | 16.3% | 2.5% | 2.0% | 5.9 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
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Start ComparisonFIGR — 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 454.1x. This places it at the 50th percentile of its historical range.
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 318.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
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 5.9%. The historical average is -7.8%.
Is FIGR stock overvalued?
Based on historical data, Figure Technology Solutions, Inc. Class A Common Stock is trading at a P/E of 454.1x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Figure Technology Solutions, Inc. Class A Common Stock's dividend yield?
Figure Technology Solutions, Inc. Class A Common Stock's current dividend yield is 0.07% with a payout ratio of 16.3%.
What are Figure Technology Solutions, Inc. Class A Common Stock's profit margins?
Figure Technology Solutions, Inc. Class A Common Stock has 92.3% gross margin and 3.3% operating margin.
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 26.1x, indicating high leverage. A ratio above 4x may signal elevated financial risk.