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Figure Technology Solutions, Inc. (FIGR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Figure Technology Solutions, Inc.

FIGRMarket cap $6.14BPrice $27.4

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Runs a blockchain-powered lending platform that turns home equity into fast, tradeable loans. Figure has originated billions in HELOCs by cutting out the paperwork banks still take weeks to process.

In Bastion Portfolios?

52W Return-29%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)na–

Revenue Forecast

Rev CAGR (1y)+108%10

Rev CAGR (3y)+49%10

Rev CAGR (5y)+32%10

Earnings Forecast

EPS Growth Y+1+37%9

EPS Growth Y+2+31%9

EPS Growth Y+3+18%8

Quality

Margins

EBIT Margin28%8

Net Income Margin38%10

Free Cash Flow Margin-14%2

Debt

Net Debt/EBITDA-1.810

Efficiency

ROE21%8

ROA11%9

Earnings Stability88

GEAR+STRONG73

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)214

P/E Ratio (Forward 3y)117

P/BV4.34

EV Multiples

EV/EBITDA Fwd134

EV/EBIT Fwd174

Yield

Free Cash Flow Yield0.0%3

Dividend Yieldna–

Momentum

Short term

1 month return-24%1

3 month return-12%3

YTD return-33%1

Mid term

Price vs 52wHigh35%1

1 year return-38%1

Long term

3 year return-12%2

5 year return-12%3

Risk Shield

Price Risk

Beta1.91

Volatility95%1

Free Cash Flow

Free Cash Flow Margin-14%2

Free Cash Flow Yield0.0%3

Quality

ROCE15%9

Earnings Stability88

Net Debt/EBITDA-1.810

02Growth

Is it actually growing, and how fast?

FIGRFigure Technology Solutions

Revenue FY25$432M

GROWTH RATING↗

VERY STRONG91 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+108%10

Revenue, next 3Y, CAGR+49%10

Revenue, next 5Y, CAGR+32%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+37%9

EPS growth, FY27E+31%9

EPS growth, FY28E+18%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 91% of companies worldwide.

Revenue is set to grow 49%/yr over the next 3 years, ahead of most of the market.10/10

Revenue held flat over the last 3 years and is set to grow 49%/yr from here.

The runway holds up: revenue is set to grow 32%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 31%/yr vs revenue 49%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-24%1

3-month return-12%3

YTD return-33%1

MID & LONG-TERM▾SCORE

% of 52-week high35%1

1-year return-38%1

3-year return-12%2

5-year return-12%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-12% over three years and -12% over five), behind 70% of the market.

It's down 38% over the past year, now 65% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-24%), over three months (-12%) and so far this year (-33%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Figure Technology Solutions, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FIGRFigure Technology Solutions

Revenue FY25$432M

GROWTH RATING↗

VERY STRONG91 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+108%10

Revenue, next 3Y, CAGR+49%10

Revenue, next 5Y, CAGR+32%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+37%9

EPS growth, FY27E+31%9

EPS growth, FY28E+18%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 91% of companies worldwide.

Revenue is set to grow 49%/yr over the next 3 years, ahead of most of the market.10/10

Revenue held flat over the last 3 years and is set to grow 49%/yr from here.

The runway holds up: revenue is set to grow 32%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 31%/yr vs revenue 49%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-24%1

3-month return-12%3

YTD return-33%1

MID & LONG-TERM▾SCORE

% of 52-week high35%1

1-year return-38%1

3-year return-12%2

5-year return-12%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-12% over three years and -12% over five), behind 70% of the market.

It's down 38% over the past year, now 65% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-24%), over three months (-12%) and so far this year (-33%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Figure Technology Solutions, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community