Figure Technology Solutions, Inc. Class A (FIGR) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 2.19M
• Price to Earnings (P/E): ―
• Beta (1Y): 2.27
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 530
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): N/A
• Shares Outstanding: 175,348,430
• 10 Day Avg. Volume: 1,353,698
• 30 Day Avg. Volume: 2,191,254
• PEG Ratio: -2.77
• Price to Book (P/B): 18.27
• Price to Sales (P/S): 23.23
• P/FCF Ratio: -42.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $46.72
• Price Target Upside: 25.22% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9
• EPS Forecast (FY): 0.47
• Revenue Forecast (FY): $434.31M

• Rating: 58 Neutral
• Price Target: $39.00 ▲(4.53% Upside)

The overall stock score for Figure Technology Solutions, Inc. Class A is primarily influenced by its financial performance, which shows improvements in profitability but is hindered by high leverage and negative cash flows. Technical analysis indicates a bearish short-term trend, and the lack of valuation metrics adds uncertainty. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding market presence and successful adoption of the company's fintech solutions, enhancing long-term prospects.

Profitability Improvement

Improved profitability reflects effective cost management and operational efficiencies, contributing to sustainable financial health.

Innovative Product Launch

Launching $YLDS on Solana showcases the company's innovation in blockchain technology, potentially expanding its market reach and product offerings.

Negative Factors

High Leverage

High leverage can increase financial risk, potentially impacting the company's ability to invest in growth and manage economic downturns.

Negative Cash Flows

Negative cash flows indicate challenges in liquidity management, which could constrain operational flexibility and investment capacity.

Low EBIT Margin

A low EBIT margin suggests room for improvement in operational efficiency, which is crucial for enhancing profitability and competitive positioning.

Figure Technology Solutions, Inc. Class A Business Overview & Revenue Model

Company Description

Figure Technology Solutions, Inc. Class A (FIGR) is a financial technology company that specializes in providing innovative solutions for the financial services sector, particularly focusing on blockchain technology and its applications in lending and asset management. The company develops proprietary software and platforms that streamline financial transactions, improve operational efficiencies, and enhance security for various stakeholders in the industry, including banks, credit unions, and retail investors.

How the Company Makes Money

Figure Technology Solutions generates revenue through multiple streams, primarily by offering software-as-a-service (SaaS) solutions to financial institutions, which includes licensing fees for its platforms and ongoing maintenance and support services. Additionally, the company earns revenue from transaction fees on financial services facilitated through its technology, such as loans and asset sales. Significant partnerships with established financial institutions and technology providers also enhance its earnings potential by expanding its service offerings and reach within the market.

Figure Technology Solutions, Inc. Class A Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2024	Dec 2023
Income Statement
Total Revenue	150.49M	279.31M	166.89M
Gross Profit	137.44M	257.74M	148.17M
EBITDA	65.39M	95.62M	16.24M
Net Income	29.12M	17.21M	-47.94M
Balance Sheet
Total Assets	1.27B	1.16B	660.07M
Cash, Cash Equivalents and Short-Term Investments	484.96M	365.12M	122.41M
Total Debt	733.70M	688.59M	414.99M
Total Liabilities	868.97M	796.20M	437.64M
Stockholders Equity	395.93M	355.10M	217.07M
Cash Flow
Free Cash Flow	52.34M	-152.64M	-46.13M
Operating Cash Flow	62.21M	-136.01M	-28.87M
Investing Cash Flow	-12.84M	-30.86M	-22.11M
Financing Cash Flow	47.52M	336.12M	65.79M

Figure Technology Solutions, Inc. Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIFR	58 Neutral	$6.87B	―	-9.69%	―	35.41%	-38.08%
FIGR	58 Neutral	―	―	―	―	―	―
BTBT	57 Neutral	$912.87M	―	-11.34%	―	14.65%	-240.80%
BTCS	47 Neutral	$143.20M	―	-62.90%	1.68%	373.29%	-209.98%
MIGI	44 Neutral	$13.65M	―	―	―	-11.36%	64.27%
ABTC	41 Neutral	$4.48B	-3.32	―	―	―	―

Figure Technology Solutions, Inc. Class A Corporate Events

Figure Technology Solutions Completes Successful IPO

On September 12, 2025, Figure Technology Solutions, Inc. successfully completed its initial public offering (IPO) of 36,225,000 shares of Class A Common Stock at $25.00 per share, raising $705.8 million in gross proceeds. This strategic move marks a significant milestone for the company, enhancing its market presence and providing capital for future growth, although the company did not receive proceeds from shares sold by existing stockholders.