Bull Rankings model

Figure Technology Solutions, Inc. (FIGR) stock analysis

Capital Markets. Scored on the same transparent model behind the daily rankings.

★
FIGR
Figure Technology Solutions, Inc. · Capital Markets
54.4Financial strength
$28.54Oct 9 close$6.4B
1Y Target$53.00Analyst consensus · 8 analysts
5Y Target$77.60Compound horizon
10Y Target$115.11Long-dated conviction
Rev+55.7%
A
Revenue +55.7% — hypergrowth, top decile
P/E30.7x
D
P/E 30.7 — most expensive decile in Financial Services (≈95th pctile)
ROE26.1%
A-
ROE 26.1% — a high bar (above 20%)
P/B4.52
D
P/B 4.52 — very expensive relative to book value
Yield0.0%
C
No dividend / yield n/a

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 54.4 / 100
Profitability96.1
Value (P/B)12.0
Income30.0

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
63% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Capital Markets · market cap $6.4b. Down 63% from 52-week high of $78.00 — deep drawdown territory. Revenue growing +56% — in hypergrowth territory. 8 sell-side analysts rate this a Buy with a mean 1-yr target of $53.00 (implying +86% upside).
Moat
Net margin 38% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 26% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Down 63% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 10.3x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Horizon
1-3 yr $53.00 (8-analyst consensus) — fundamentals + valuation re-rating. 5 yr $77.60 at ~22% CAGR — compounding case rests on the competitive position widening. 10 yr $115.11 if current growth sustains into durable earnings power.

Not enough history yet — the model records FIGR's score after each daily run, and the chart appears once a few days have accumulated.

FIGR at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY96VALUE12COVERED INCOME3054.4/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$28.5LOW $24.1HIGH $78Trading near its 52-week low ($24.1–$78).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-35%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+23.0%
90-day change+22.7%
Forward EPS estimate$1.89

Over the last 90 days, what analysts expect FIGR to earn is materially higher (+22.7%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
70
Position size
$1,998
4.0% of portfolio
Stop price
$21.41
25% below $28.54
$ at risk if stopped
$499.45
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Figure Technology Solutions, Inc. (FIGR): score, valuation & FAQ

Figure Technology Solutions, Inc. (FIGR) is a Capital Markets company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Rev (A) and ROE (A-), while P/E (D) and P/B (D) rate weaker.

Is FIGR a good stock to buy?

Bull Rankings grades FIGR on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (A) and ROE (A-). A score is a quantitative screen of Figure Technology Solutions, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade FIGR?

As a bank, insurer or REIT, FIGR isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (A) and ROE (A-) and weakest on P/E (D) and P/B (D).

Is FIGR overvalued or undervalued?

We don't publish a discounted-cash-flow value for FIGR, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. FIGR is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in FIGR?

Down 63% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 10.3x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.

New to these metrics? See the guides and the methodology.

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