Figure Technology Solutions, Inc. Class A (FIGR) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Figure Technology Solutions, Inc. Class A $15.61, price $34.66, upside -55.0%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.
How to read this chart
12‑month range $24.91 – $73.91 · fair‑value band $10.16 – $24.33 · the $34.66 price screens above the $15.61 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 23, 2026.
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Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets.
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Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets. It also provides technology-enabled loan origination system and pairs this system with a distribution marketplace; Figure Connect that provides access to a deep and broad pool of capital markets partners; and develops an exchange for digital assets and credit, which offers interest-bearing stablecoin deposits. The company was formerly known as FT Intermediate, Inc. and changed its name to Figure Technology Solutions, Inc. in August 2025. Figure Technology Solutions, Inc. was founded in 2018 and is based in Reno, Nevada.
Stock analysis
Figure Technology Solutions, Inc. Class A Common Stock (FIGR) currently trades at $34.66, while our model-based Fair Value estimate is $15.61, implying the stock looks roughly 122.0% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $26.61 per share, and 0 of the 11 models we run sit above the $34.66 price.
Bear case: the Asset-Based group reads lowest at $3.32, and 11 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $10.16 (bear) to $24.33 (bull), the price of $34.66 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Figure Technology Solutions, Inc. Class A Common Stock reported revenue of $457M in FY2025 versus $167M in FY2023, a compound +65.5%/yr. Reported net income was $134M in FY2025.
Key figures
Market cap $8.6B · P/E ratio 43.1 · P/S ratio 12.6 · EPS (TTM) $0.8600 · Net margin 29.3% · Return on equity 26.1% · Return on assets (EBIT) 0.2% · Operating margin 35.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 53% below its 52-week high and 39% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at −55%, FIGR screens richer than that median.
Fair Value models
Bear $10.16Fair Value $15.61Bull $24.33
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.6291 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+47.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+27.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +43.8% a year for the price and +24.8% for the forecasts.
Compare Figure Technology Solutions, Inc. Class A Common Stock with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 463 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−55% · Bottom 25%
Profitability
Return on equity (TTM)26% · Top 25%
Return on assets5% · Top 25%
Net margin (TTM)38% · Top 25%
Operating margin (TTM)36% · Above median
Growth and dividend
Revenue growth121% · Top 25%
Balance sheet
Debt / equity0.19× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/E (TTM)43.1× · Priciest 25%
P/B6.99× · Priciest 25%
P/S (TTM)13.88× · Priciest 25%
P/FCF137.3× · Priciest 25%
EV/EBITDA70.7× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 27
FUTURE (revenue growth)100· sector 91
PAST (return on equity)100· sector 30
HEALTH (low debt)91· sector 95
DIVIDEND (yield)0· sector 41
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Figure Technology Solutions, Inc. Class A Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/FIGR
Frequently asked questions
Is Figure Technology Solutions, Inc. Class A (FIGR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $15.61 versus a price of $34.66, about −55% upside (overvalued).
What is the fair value of FIGR?
Our model-based fair value for Figure Technology Solutions, Inc. Class A Common Stock is $15.61 (as of Sep 23, 2026), built from audited fundamentals. The current price: $34.66.
What is the quality score of FIGR?
Figure Technology Solutions, Inc. Class A Common Stock has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Figure Technology Solutions, Inc. Class A (FIGR)?
Our model-based price target is the fair value of $15.61 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario $10.16, optimistic scenario $24.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Figure Technology Solutions, Inc. Class A Common Stock stock forecast for 2026?
Our models put fair value at $15.61, about −55% upside versus a price of $34.66 (overvalued). Cautious scenario $10.16, optimistic scenario $24.33. The calculation is refreshed regularly with new filings.
What is the revenue of Figure Technology Solutions, Inc. Class A (FIGR)?
Figure Technology Solutions, Inc. Class A Common Stock reported trailing-twelve-month revenue of about $619M (latest available figure, as of Sep 23, 2026).
What growth is priced into Figure Technology Solutions, Inc. Class A (FIGR)?
For today's price to be fair in a discounted-cash-flow model, Figure Technology Solutions, Inc. Class A Common Stock would have to grow free cash flow by +47.2 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +65.5 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of FIGR use?
Our models discount Figure Technology Solutions, Inc. Class A Common Stock at 9.7 %: a base by market capitalisation (mid), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Figure Technology Solutions, Inc. Class A Common Stock that is +47.2 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Figure Technology Solutions, Inc. Class A (FIGR) delivered so far?
Over the past 2 years revenue at Figure Technology Solutions, Inc. Class A Common Stock grew +65.5 % a year. The price currently implies +47.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Figure Technology Solutions, Inc. Class A (FIGR) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Figure Technology Solutions, Inc. Class A Common Stock (+47.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Figure Technology Solutions, Inc. Class A (FIGR)?
The free-cash-flow yield on the price is 0.73 %: that much free cash flow Figure Technology Solutions, Inc. Class A Common Stock produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Figure Technology Solutions, Inc. Class A (FIGR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Figure Technology Solutions, Inc. Class A Common Stock it is $15.61 per share (as of Sep 23, 2026), against a price of $34.66. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Figure Technology Solutions, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FIGR trades above its calculated fair value: price $34.66, fair value $15.61, a gap of about −55% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FIGR?
No. The price is what the market pays today ($34.66); the fair value is what the company's own numbers justify ($15.61). For Figure Technology Solutions, Inc. Class A Common Stock the two are $19.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Figure Technology Solutions, Inc. Class A Common Stock worth?
The market values Figure Technology Solutions, Inc. Class A Common Stock at about $8.6B (market capitalisation, as of Sep 23, 2026). Per share that is $34.66; our models calculate a fair value of $15.61 per share.
What do the bullish and bearish scenarios say about FIGR?
Our models span a range for Figure Technology Solutions, Inc. Class A Common Stock: cautious scenario $10.16, base $15.61, optimistic $24.33 per share (as of Sep 23, 2026, price $34.66). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIGR?
Figure Technology Solutions, Inc. Class A Common Stock trades at a price-to-earnings ratio of 43.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.61 is built from several models across several years. Other multiples: P/B 7.0, P/S 13.9, EV/EBITDA 70.7.
How solid is the balance sheet of Figure Technology Solutions, Inc. Class A (FIGR)?
Balance-sheet figures for Figure Technology Solutions, Inc. Class A Common Stock (as of Sep 23, 2026): return on equity 26.1%, debt of 0.19 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is FIGR from its 52-week high?
Figure Technology Solutions, Inc. Class A Common Stock trades at $34.66, about 53% below its 52-week high of $73.91 and 39% above the low of $24.91 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $15.61 is for.
Which stocks are comparable to Figure Technology Solutions, Inc. Class A Common Stock?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Figure Technology Solutions, Inc. Class A Common Stock stock attractive at the current price?
The data as of Sep 23, 2026: price $34.66, calculated fair value $15.61 (−55%), Quality Score 64/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FIGR calculated?
We run Figure Technology Solutions, Inc. Class A Common Stock through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $15.61, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Figure Technology Solutions, Inc. Class A Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Figure Technology Solutions, Inc. Class A (FIGR)?
The closing price on Sep 23, 2026 was $34.66. Our model-based fair value is $15.61, about −55% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Figure Technology Solutions, Inc. Class A Common Stock right now?
The price sits above even our optimistic bull case ($24.33). The favourable scenario is already priced in. Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($10.16 to $24.33) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Figure Technology Solutions, Inc. Class A Common Stock
How large is the market capitalisation of Figure Technology Solutions, Inc. Class A (FIGR)?
The market capitalisation of Figure Technology Solutions, Inc. Class A Common Stock is $8.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Figure Technology Solutions, Inc. Class A (FIGR)?
The price-to-sales ratio of Figure Technology Solutions, Inc. Class A Common Stock is 12.6 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Figure Technology Solutions, Inc. Class A (FIGR)?
Earnings per share at Figure Technology Solutions, Inc. Class A Common Stock are $0.8600 (price ÷ EPS = P/E 43.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Figure Technology Solutions, Inc. Class A (FIGR)?
The net margin of Figure Technology Solutions, Inc. Class A Common Stock is 29.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Figure Technology Solutions, Inc. Class A (FIGR)?
The return on equity (ROE) of Figure Technology Solutions, Inc. Class A Common Stock is 26.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Figure Technology Solutions, Inc. Class A (FIGR)?
On an EBIT basis the return on assets of Figure Technology Solutions, Inc. Class A Common Stock is 0.2% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Figure Technology Solutions, Inc. Class A (FIGR)?
The operating margin of Figure Technology Solutions, Inc. Class A Common Stock is 35.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Figure Technology Solutions, Inc. Class A (FIGR)?
Revenue at Figure Technology Solutions, Inc. Class A Common Stock is growing +121% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Figure Technology Solutions, Inc. Class A (FIGR)?
Earnings per share at Figure Technology Solutions, Inc. Class A Common Stock are growing +338% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Figure Technology Solutions, Inc. Class A (FIGR) hold?
Figure Technology Solutions, Inc. Class A Common Stock holds more cash than debt, $1.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026