QualityDipStocks / Finance · Consumer finance
Figure Technology Solutions FIGR
Outside our quality screen, so we don’t track its dips. It’s 71% below its 52-week high.
Outside our quality screen, 13% under its Market Value. No fair value estimate for now: our model doesn’t fit it reliably.
Worth knowing
- Down 72% from its 52-week high while revenue grew 89%
- Revenue up 89% in a year, top 3% of the 1820 we measure
From the data on this page, as of the last close. How we pick these
- Fair value est.
- n/a
- Market Value
- $24.93price −13%
- Off 52-wk high
- −71%
- Risk vs market
- Highbeta 2.64
4 bullish · 5 bearish See why
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk low: P/E 27.9×; now: P/E 25.6×.
| Low | Now | |
|---|---|---|
| Price | $21.58Oct 30 | $21.79 |
| P/E | 27.9× | 25.6× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for FIGR: earnings swing too much for a book-value model (return on equity ranged from -20% to 21% across FY2023–2025 and the latest 12 months). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much FIGR moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings much more than the market, and its own price swings are 7.4× the S&P 500’s.
- Beta vs S&P 500
- 2.64
- Volatility
- 94% vs 13% SPY
- Correlation SPY
- 0.36
- Correlation QQQ
- 0.36
Valuation details
MV $24.93
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthSales grew 89% to $709M over the last 12 months vs the 12 months before (SEC filings).
GrowthSales compounded 56% a year from FY2023 to FY2025.
ProfitabilityNet margin of 27%, above the 22% median for the 281 Finance companies we cover.
ValuationTrades 12.6% below its Market Value of $24.93, the average price paid since the Oct 7 filing.
Top bearish points 5 of 5
ValuationP/E of 25.6× vs a 13.6× median for the 291 Finance companies we cover.
ValuationPrice / book of 3.5×, above the 1.7× median for the 296 Finance companies we cover.
QualityDoesn’t pass our quality screen: no positive free cash flow.
RiskSwings hard: beta 2.64 vs the S&P 500 and 94% yearly volatility (SPY 13%).
RiskReports earnings Nov 12 (consensus EPS $0.31): results can move the price sharply and reset Market Value.
All fundamentals
P/E 25.6 · ROE 14% · Sales +89%
Valuation
- P/E
- 25.6×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 6.91×
- Price / book
- 3.47×
- Market cap
- $4.9Blisted
- Enterprise value
- $4.4B
Growth
- Revenue, 12 months
- $709M
- Sales growth, 12 months
- +88.8%vs the 12 months before
- Sales growth, 3 yrs
- +55.5%/yrfrom FY2023
- Diluted EPS, 12 months
- $0.93
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- $191M
- Net income growth
- n/an/m: earnings a year ago near zero
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- 28.4%
- Net margin
- 27.0%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 14%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $1.4B
- Total debt
- $963M
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $10M0.2% of market cap
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- $109M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Figure Technology Solutions’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $-0.2B · Sales +121%
- Free cash flow, 12 months−$0.2B
- Free-cash-flow yield−5.1%
- Return on equity26%
- Sales growth (latest quarter vs year-ago quarter)+121%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $21.79
- 52-wk lowlowest close, 1 year$21.58−1.0%
- PriceMon Nov 2 close$21.79you are here
- Market Valueavg paid since Oct 7$24.93+14.4%
- 52-wk highhighest close, 1 year$73.91+239.2%
Momentum & 52-week range
RSI 32 · 5 days −0.5%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 12
- DateThu Nov 12, before the open
- Consensus EPS$0.31
- Year-ago EPS$0.34
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
FIGR is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Figure Technology Solutions in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Consumer finance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.