Figure Technology Solutions, Inc. Class A Common Stock
Figure Technology Solutions, Inc. Class A Common Stock Fundamental Analysis
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) shows moderate financial fundamentals with a PE ratio of 55.44, profit margin of 26.41%, and ROE of 16.98%. The company generates $0.4B in annual revenue with strong year-over-year growth of 67.36%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FIGR's fundamental strength across five key dimensions:
Efficiency Score
WeakFIGR struggles to generate sufficient returns from assets.
Valuation Score
WeakFIGR trades at a premium to fair value.
Growth Score
ModerateFIGR shows steady but slowing expansion.
Financial Health Score
ExcellentFIGR maintains a strong and stable balance sheet.
Profitability Score
ModerateFIGR maintains healthy but balanced margins.
Key Financial Metrics
Is FIGR Expensive or Cheap?
P/E Ratio
FIGR trades at 55.44 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, FIGR's PEG of 7.35 indicates potential overvaluation.
Price to Book
The market values Figure Technology Solutions, Inc. Class A Common Stock at 6.04 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 34.60 times EBITDA. This signals the market has high growth expectations.
How Well Does FIGR Make Money?
Net Profit Margin
For every $100 in sales, Figure Technology Solutions, Inc. Class A Common Stock keeps $26.41 as profit after all expenses.
Operating Margin
Core operations generate 33.62 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.98 in profit for every $100 of shareholder equity.
ROA
Figure Technology Solutions, Inc. Class A Common Stock generates $5.69 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Figure Technology Solutions, Inc. Class A Common Stock generates limited operating cash flow of $-3.22B, signaling weaker underlying cash strength.
Free Cash Flow
Figure Technology Solutions, Inc. Class A Common Stock generates weak or negative free cash flow of $-3.22B, restricting financial flexibility.
FCF Per Share
Each share generates $-18.17 in free cash annually.
FCF Yield
FIGR converts -63.81% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
55.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
7.35
vs 25 benchmark
P/B Ratio
Price to book value ratio
6.04
vs 25 benchmark
P/S Ratio
Price to sales ratio
12.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.77
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.67
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How FIGR Stacks Against Its Sector Peers
| Metric | FIGR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 55.44 | 18.66 | Worse (Expensive) |
| ROE | 16.98% | 806.00% | Weak |
| Net Margin | 26.41% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.77 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.67 | 662.02 | Neutral |
| ROA | 5.69% | -24409.00% (disorted) | Weak |
FIGR outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Figure Technology Solutions, Inc. Class A Common Stock's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
67.36%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
135.91%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-371.16%
Industry Style: Value, Dividend, Cyclical
Declining