Figure Technology Solutions, Inc (FIGR) Fair Value & Analysis
Financial Services · US · Market cap $6.8B
Figure Technology Solutions, Inc
FIGR · US
Fair value as of: Jul 18, 2026
From 11 valuation models · updated 23 days ago
Share price −6.6% over the past month.
A solid business, but screening 63% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($13.24). The favourable scenario is already priced in.
- Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (11 months)
White line = price, green steps = our fair value per fiscal year. As of Jul 18, 2026.
How to read this chart
11‑month range $24.91 – $73.91 · fair‑value band $7.95 – $13.24 · the $28.62 price screens above the $10.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Jul 18, 2026.
Analysis
Figure Technology Solutions, Inc (FIGR) currently trades at $28.62, while our model-based Fair Value estimate is $10.59, implying the stock looks roughly 63.0% overvalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Figure Technology Solutions, Inc generated revenue of $510M at a net margin of 35.2%. Revenue grew 119.2% year over year. It earns a return on equity of 21.7%. The balance sheet holds a net cash position of $1.0B. Fundamentals as of Jul 18, 2026
Our scenario range runs from $7.95 (bear case) to $13.24 (bull case); at $28.62, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 63% below its 52-week high and 14% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 11% fair-value upside, at -63%, FIGR screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: DCF Models ($17.03) versus Asset-Based ($2.90). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 9
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2023 – FY2025 · reported fiscal years
Figure Technology Solutions, Inc reported revenue of $457M in FY2025 versus $167M in FY2023, a compound +65.5%/yr. Reported net income was $134M in FY2025.
FIGR screens 63% overvalued. Compare with Huatai Securities Co →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Figure Technology Solutions Announces Date for Second Quarter 2026 Results
- Figure Technology (FIGR): Stocks Set to Explode in the Next 2 Years
- Here is Why Figure Tech (FIGR) is One of the Best IPO Stocks with Huge Upside Potential
- Figure Technology Solutions Announces Pricing of Private Offering of $600 Million of Senior Notes
Peer Group
Capital Markets · 425 stocks
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.
Valuation Multiples vs Capital Markets median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Huatai Securities Co HTSC | $0.2700 | $0.0400 | -85% |
| Mirae Asset Securities Co 006800 | 38,750 KRW | 31,645 KRW | -18% |
| Meritz Financial Group 138040 | 117,000 KRW | 87,706 KRW | -25% |
| Korea Investment Holdings 071050 | 239,000 KRW | 318,825 KRW | +33% |
| NH Investment & Securities Co 005940 | 31,000 KRW | 37,133 KRW | +20% |
| Samsung Securities Co 016360 | 107,700 KRW | 126,487 KRW | +17% |
| Motilal Oswal Financial Services Limited MOTILALOFS | ₹967.00 | ₹299.65 | -69% |
| Kiwoom Securities Co 039490 | 322,000 KRW | 358,091 KRW | +11% |
| SSI Securities Corporation SSI | 24,250 VND | 28,021 VND | +16% |
| Bolsas y Mercados Argentinos S.A BYMA | 313.75 ARS | 120.22 ARS | -62% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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