FIGR

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Figure Technology Solutions, Inc.

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Key Metrics

Previous Close: $36.85
52-Week Range: $24.11 – $78.00
Market Cap: $8.09B
P/E (TTM): 37.96
EPS (TTM): 0.95
Dividend Yield: —

Advanced Metrics

Price/Book: 6.35
PEG Ratio: —
Return on Equity: 26.12%
Return on Assets: 5.06%
Gross Margin: 100.00%
Operating Margin: 35.52%
Profit Margin: 38.30%
Current Ratio: 1.86
Debt/Equity: 1.04
Total Debt: $1.47B
Free Cash Flow: $-254.03M
Revenue Growth: 120.80%
Earnings Growth: 337.50%
Enterprise Value: $8.31B

FIGR Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Revenue	$166.89M	$278.92M	$434.49M
Cost of Revenue	$18.72M	$21.57M	$29.51M
Gross Profit	$148.17M	$257.36M	$404.98M
Research & Development	$49.15M	$62.66M	$64.92M
Selling, General & Admin	$111.56M	$110.39M	$157.80M
Operating Expenses	$212.92M	$233.66M	$301.86M
Operating Income	-$46.03M	$23.69M	$103.12M
EBITDA	$16.24M	$95.62M	$178.80M
Pretax Income	-$52.34M	$22.09M	$113.67M
Income Tax	$102.00K	$2.18M	-$20.61M
Net Income	-$47.94M	$17.21M	$133.86M
Diluted EPS	-0.23	0.08	0.44
Diluted Shares	208.52M	208.52M	141.80M

FIGR Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Cash & Equivalents	$116.55M	$289.67M	$1.20B
Receivables	$17.30M	$21.00M	$52.02M
Current Assets	$458.28M	$854.69M	$1.86B
Total Assets	$660.07M	$1.16B	$2.32B
Current Liabilities	$406.88M	$625.53M	$846.01M
Long-Term Debt	$25.05M	$167.88M	$230.14M
Total Debt	$414.99M	$688.59M	$945.18M
Total Liabilities	$437.64M	$796.20M	$1.08B
Retained Earnings	-$338.06M	-$320.85M	-$186.99M
Shareholders' Equity	$217.07M	$355.10M	$1.23B
Working Capital	$51.40M	$229.16M	$1.02B
Net Debt	$292.72M	$396.13M	—

FIGR Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Operating Cash Flow	-$33.35M	-$127.01M	$62.57M
Capital Expenditure	-$17.26M	-$16.63M	-$20.65M
Free Cash Flow	-$50.61M	-$143.64M	$41.92M
Depreciation & Amortisation	$19.38M	$17.11M	$16.25M
Stock-Based Compensation	$13.45M	$38.73M	$62.36M
Investing Cash Flow	-$17.62M	-$37.45M	-$61.27M
Financing Cash Flow	$65.79M	$336.12M	$918.04M
Dividends Paid	$0.00	-$2.77M	$0.00
Share Repurchases	$0.00	-$1.00M	$0.00
Net Change in Cash	$14.81M	$171.67M	$919.33M

FIGR Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$67.70M	$96.58M	$134.93M	$142.70M	$141.72M
Cost of Revenue	$6.50M	$6.56M	$8.75M	$7.71M	$8.07M
Gross Profit	$61.20M	$90.03M	$126.18M	$135.00M	$133.65M
Research & Development	$17.42M	$16.02M	$15.91M	$15.57M	$15.61M
Selling, General & Admin	$22.65M	$22.41M	$45.01M	$67.73M	$57.13M
Operating Expenses	$46.75M	$62.14M	$77.97M	$115.35M	$97.56M
Operating Income	$14.45M	$27.88M	$48.21M	$19.65M	$36.09M
EBITDA	$15.53M	$49.86M	$75.11M	$38.29M	$59.70M
Pretax Income	$617.00K	$33.35M	$58.36M	$21.35M	$38.10M
Income Tax	$1.23M	$3.36M	-$31.46M	$6.27M	-$6.95M
Net Income	-$820.00K	$29.94M	$89.58M	$15.16M	$44.95M
Diluted EPS	-0.00	0.14	0.34	0.06	0.18
Diluted Shares	208.52M	208.52M	129.92M	247.81M	248.83M

FIGR Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$332.02M	$395.35M	$1.10B	$1.20B	$1.46B
Receivables	$20.15M	$37.35M	$46.24M	$52.02M	$65.33M
Current Assets	$1.03B	$920.43M	$1.76B	$1.86B	$2.23B
Total Assets	$1.35B	$1.27B	$2.16B	$2.32B	$2.73B
Current Liabilities	$793.67M	$694.20M	$778.17M	$846.01M	$1.17B
Long-Term Debt	$191.67M	$173.73M	$197.83M	$230.14M	$262.22M
Total Debt	$873.95M	$733.70M	$807.52M	$945.18M	$1.32B
Total Liabilities	$985.65M	$868.97M	$980.23M	$1.08B	$1.44B
Retained Earnings	-$321.67M	-$291.73M	-$202.15M	-$186.99M	-$142.05M
Shareholders' Equity	$360.13M	$395.93M	$1.17B	$1.23B	$1.29B
Working Capital	$239.75M	$226.23M	$981.55M	$1.02B	$1.05B
Net Debt	$541.62M	$337.31M	—	—	—

FIGR Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$140.27M	$202.48M	-$12.91M	$13.27M	-$37.82M
Capital Expenditure	-$4.42M	-$5.45M	-$6.21M	-$4.57M	-$6.44M
Free Cash Flow	-$144.69M	$197.03M	-$19.12M	$8.70M	-$44.25M
Depreciation & Amortisation	$3.94M	$4.13M	$4.30M	$3.87M	$4.71M
Stock-Based Compensation	$2.41M	$2.85M	$17.47M	$39.63M	$25.88M
Investing Cash Flow	-$16.13M	$3.29M	-$7.99M	-$40.45M	-$53.59M
Financing Cash Flow	$196.03M	-$148.51M	$740.69M	$129.83M	$361.22M
Dividends Paid	-$81.00K	$73.00K	$8.00K	$0.00	$0.00
Share Repurchases	$0.00	—	—	—	-$9.70M
Net Change in Cash	$39.63M	$57.26M	$719.79M	$102.65M	$269.81M

Market Snapshot

About

Figure Technology Solutions, Inc. is a financial technology company that leverages blockchain technology to provide consumer financial services. The company specializes in home equity lines of credit, personal loans, and student loan refinancing products delivered through a fully digital platform. Figure utilizes the Provenance blockchain to originate, finance, and service loans with improved efficiency and transparency. The company was founded in 2018 by Mike Cagney, former CEO of SoFi, and has originated billions of dollars in loans. Figure also offers blockchain-as-a-service solutions to financial institutions seeking to modernize their lending operations.