FIGR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $28.53
Market Cap $0
P/E (TTM) 30.7
EPS (TTM) $0.93
Revenue (TTM) $709M
ROE 16.9%
Debt/Equity (MRQ) 0.2
52W Range $24–$78

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10-Year Performance Revenue, net income, margins and EPS trends

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Revenue$507M
2023-12-31 → 2025-12-31
EPS$0.44
2023-12-31 → 2025-12-31
Net margin33.5%
2025-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FIGR 5Y avg Peer Median Verdict
P/E (TTM) 30.7 · 16.9 Overvalued
P/S 0.0 · · ·
EV / EBITDA -8.2 · · ·
Price / Cash Flow 0.0 · · ·
EV / Revenue -1.9 · · ·
Price / Tangible Book 0.0 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise 20.3%
Next Report Nov 13, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 13, 2026 $0.35 $0.25 41.3%
March 31, 2026 May 11, 2026 $0.18 $0.19 -4.5%
Dec. 31, 2025 $0.06 $0.14 -58.6%
Sept. 30, 2025 $0.34 $0.17 103.0%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 15
Metric Trend 20252024
Revenue $507M$341M
R&D Expense $65M$63M
SG&A Expense $132M$104M
Operating Expenses $389M$332M
Operating Income $118M$9M
Interest Income $75M$48M
Other Non-op $-4M$13M
Pretax Income $114M$22M
Income Tax $-21M$2M
Net Income $134M$17M
EPS (Basic) $0.54$0.00
EPS (Diluted) $0.44$0.00
Shares (Basic) 114,435,25965,020,119
Shares (Diluted) 141,802,00272,637,457
EBITDA $118M·
Balance Sheet 19
Metric Trend 20252024
Cash & Equivalents $1.20B$290M
Receivables $52M$21M
Other Current Assets $42M$15M
Current Assets $1.86B$855M
Other Non-current Assets $40M$34M
Total Assets $2.32B$1.16B
Accounts Payable $30M$37M
Current Liabilities $846M$626M
Capital Leases $4M$3M
Total Liabilities $1.08B$796M
Long-term Debt $557M$473M
Total Debt $230M·
Common Stock $0$2.0K
Paid-in Capital $1.42B$676M
Retained Earnings $-187M$-321M
Treasury Stock $0·
Stockholders' Equity $1.23B$355M
Liabilities + Equity $2.32B$1.16B
Shares Outstanding 069,300,284
Cash Flow 9
Metric Trend 20252024
Stock-based Comp $62M$39M
Deferred Tax $-26M$0
Operating Cash Flow $63M$-127M
Investing Cash Flow $-61M$-37M
Stock Repurchased $0$1M
Net Stock Activity $0·
Financing Cash Flow $918M$336M
Net Change in Cash $919M$172M
Taxes Paid $10M$48.0K
Profitability 7
Metric Trend 20252024
Operating Margin 23.2%·
Net Margin 26.4%·
Pretax Margin 22.4%·
EBITDA Margin 23.2%·
ROA 7.7%·
ROE 16.9%·
ROIC 9.5%·
Liquidity & Solvency 4
Metric Trend 20252024
Current Ratio 2.2·
Quick Ratio 1.5·
Debt / Equity 0.2·
LT Debt / Equity 0.2·
Efficiency 2
Metric Trend 20252024
Asset Turnover 0.3·
Receivables Turnover 13.9·
Per Share 3
Metric Trend 20252024
Revenue / Share $3.57·
Cash Flow / Share $0.44·
EPS (TTM) $0.44·
Growth Rates 2
Metric Trend 20252024
Revenue YoY 48.7%62.7%
Net Income YoY 677.6%·
Valuation (TTM) 11
Metric Trend 20252024
Revenue TTM $507M·
Net Income TTM $134M·
Market Cap $0·
Enterprise Value $-968M·
P/E 92.8·
P/S 0.0·
P / Tangible Book 0.0·
P / Cash Flow 0.0·
EV / EBITDA -8.2·
EV / Revenue -1.9·
Earnings Yield 1.1%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-31
Revenue $507M $341M $210M
Operating Margin % 23.2% · ·
Net Income $134M $17M $-48M
Diluted EPS $0.44 $0.00 $-0.93

Institutional owners (13F) 335 filers · $3.9B total · As of Sept. 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 335
Value held $3.9B
New positions 79
Exited positions 77
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
79 (-66 vs prior Q) 77 (+33 vs prior Q) 119 (+8 vs prior Q) 91 (+40 vs prior Q) +15.4M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
Ribbit Management Company, LLC $345,585,495 11,253,191 8.87% Shares
JPMORGAN CHASE & CO $305,142,183 11,265,630 7.83% Shares
FMR LLC $297,484,292 9,686,887 7.64% Shares
BlackRock, Inc. $154,341,028 5,025,758 3.96% Shares
FRED ALGER MANAGEMENT, LLC $153,735,857 5,006,052 3.95% Shares
Morgan Creek Capital Management, LLC $136,423,555 4,442,317 3.50% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $131,922,882 4,295,763 3.39% Shares
VANGUARD GROUP INC $121,492,997 2,974,853 3.12% Shares
BIT Capital GmbH $117,686,862 3,832,200 3.02% Shares
VANGUARD CAPITAL MANAGEMENT LLC $116,256,544 3,785,625 2.98% Shares
MORGAN STANLEY $115,072,924 3,747,081 2.95% Shares
CITADEL ADVISORS LLC $109,585,195 3,568,388 2.81% Shares
Orland Properties Ltd $76,775,000 2,500,000 1.97% Shares
ALLIANCEBERNSTEIN L.P. $72,280,670 2,129,033 1.86% Shares
North Peak Capital Management, LLC $70,852,515 2,307,148 1.82% Shares
J Digital 6 LLC $68,391,600 2,227,014 1.76% Shares
Slate Path Capital LP $61,484,491 2,002,100 1.58% Shares
Point72 Asset Management, L.P. $50,912,788 1,657,857 1.31% Shares
INFINITUM ASSET MANAGEMENT, LLC $49,136,000 1,600,000 1.26% Shares
Schonfeld Strategic Advisors LLC $48,576,739 1,581,789 1.25% Shares
VAN ECK ASSOCIATES CORP $48,468,825 1,578,275 1.24% Shares
Pantera Capital Partners LP $47,381,568 1,542,871 1.22% Shares
STATE STREET CORP $46,549,327 1,515,771 1.19% Shares
GILDER GAGNON HOWE & CO LLC $46,201,076 1,504,431 1.19% Shares
JANE STREET GROUP, LLC $45,005,505 1,465,500 1.16% Call option
GEODE CAPITAL MANAGEMENT, LLC $42,272,309 1,376,284 1.09% Shares
UBS Group AG $37,293,150 1,214,365 0.96% Shares
MARSHALL WACE, LLP $34,728,066 1,130,839 0.89% Shares
GOLDMAN SACHS GROUP INC $34,520,682 1,124,086 0.89% Shares
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC $33,813,921 1,101,072 0.87% Shares
AMERICAN CENTURY COMPANIES INC $33,172,161 1,080,173 0.85% Shares
Mithril II GP LP $31,353,304 862,065 0.80% Shares
Toroso Investments, LLC $29,791,473 729,468 0.76% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $29,618,229 964,449 0.76% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $29,450,890 959,000 0.76% Call option
CITADEL ADVISORS LLC $29,195,997 950,700 0.75% Call option
Granahan Investment Management, LLC $25,867,217 842,306 0.66% Shares
JANE STREET GROUP, LLC $25,824,039 840,900 0.66% Put option
SUSQUEHANNA INTERNATIONAL GROUP, LLP $24,187,196 787,600 0.62% Put option
ExodusPoint Capital Management, LP $21,949,543 714,736 0.56% Shares
FEDERATED HERMES, INC. $19,636,711 639,424 0.50% Shares
Invesco Ltd. $18,898,228 615,377 0.49% Shares
EXCHANGE TRADED CONCEPTS, LLC $18,003,154 586,231 0.46% Shares
WIM INVESTMENT MANAGEMENT Ltd $16,960,089 552,266 0.44% Shares
Think Investments LP $16,902,784 550,400 0.43% Shares
Jump Financial, LLC $16,022,666 521,741 0.41% Shares
FIDEURAM - INTESA SANPAOLO PRIVATE BANKING S.P.A. $15,349,319 499,815 0.39% Shares
FIRST TRUST ADVISORS LP $14,945,501 486,669 0.38% Shares
ArrowMark Colorado Holdings LLC $13,474,105 438,753 0.35% Shares
Clear Street Group Inc. $13,263,127 431,883 0.34% Shares

Show all 335 institutional owners →

Company insiders 9 insiders · 3 officers · 7 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Michael Benjamin Tannenbaum Chief Executive Officer July 23, 2026 F 3,045,425 0 21 $-52,145,859
Minchung Kgil Chief Financial Officer Sept. 11, 2026 M 481,067 0 22 $-6,523,878
David Todd Stevens Chief Capital Officer Aug. 14, 2026 M 376,599 0 18 $-10,603,895
June Ou Director Sept. 10, 2026 F 6,132,185 0 20 $-38,238,573
Michael Scott Cagney Director Sept. 10, 2026 F 6,132,185 0 20 $-38,238,573
Lesley Goldwasser Director June 4, 2026 A 12,706 0 0 $0
Sachin Chand Jaitly Director March 10, 2026 S 0 0 4 $-7,289,449
Adam Gilbert Boyden Director March 9, 2026 J 2,840,064 0 0 $0
David K Chao Director Dec. 5, 2025 P 4,000 1 0 $153,040

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 35 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
LFGY · Tidal Trust II 3.32% 121,800 NS July 31, 2026 N-PORT
ULTY · Tidal Trust II 2.73% 812,000 NS July 31, 2026 N-PORT
SMLL · Harbor ETF Trust 0.69% 3,869 NS July 31, 2026 N-PORT
ISCG · iShares Trust 0.18% 45,998 SH Sept. 11, 2026 Daily
JVAL · J.P. Morgan Exchange-Traded Fund Tr… 0.10% 32,933 NS July 31, 2026 N-PORT
BKMC · BNY Mellon ETF Trust 0.10% 25,224 NS July 31, 2026 N-PORT
VBK · VANGUARD INDEX FUNDS 0.08% 1,329,036 SH Aug. 19, 2026 Daily
BBMC · J.P. Morgan Exchange-Traded Fund Tr… 0.08% 63,179 NS July 31, 2026 N-PORT
SMMD · iShares Trust 0.07% 76,130 SH Sept. 11, 2026 Daily
IWP · iShares Trust 0.07% 368,549 SH Sept. 11, 2026 Daily
FBCG · FIDELITY COVINGTON TRUST 0.07% 183,353 NS July 31, 2026 N-PORT
ESML · iShares Trust 0.05% 40,510 SH Sept. 11, 2026 Daily
EQAL · Invesco Exchange-Traded Fund Trust … 0.05% 13,827 SH Oct. 2, 2026 Daily
WSML · iShares Trust 0.04% 7,349 SH Sept. 11, 2026 Daily
VB · VANGUARD INDEX FUNDS 0.04% 2,304,522 SH Aug. 19, 2026 Daily
IWR · iShares Trust 0.04% 583,632 SH Sept. 11, 2026 Daily
IWS · iShares Trust 0.03% 112,916 SH Sept. 11, 2026 Daily
IYW · iShares Trust 0.03% 175,104 SH Sept. 11, 2026 Daily
VXF · VANGUARD INDEX FUNDS 0.01% 374,986 SH Aug. 19, 2026 Daily
VONE · VANGUARD SCOTTSDALE FUNDS 0.01% 23,291 SH Aug. 19, 2026 Daily
VONV · VANGUARD SCOTTSDALE FUNDS 0.01% 45,805 SH Aug. 19, 2026 Daily
VONG · VANGUARD SCOTTSDALE FUNDS 0.01% 104,067 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.01% 11,920 SH Aug. 19, 2026 Daily
VFH · VANGUARD WORLD FUND 0.01% 53,649 SH Aug. 19, 2026 Daily
FNCL · FIDELITY COVINGTON TRUST 0.01% 8,621 NS July 31, 2026 N-PORT
TILT · FlexShares Trust 0.01% 6,952 NS July 31, 2026 N-PORT
IWD · iShares Trust 0.01% 168,658 SH Sept. 11, 2026 Daily
IWB · iShares Trust 0.01% 97,618 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.01% 38,870 SH Sept. 11, 2026 Daily
IWF · iShares Trust 0.01% 240,904 SH Sept. 11, 2026 Daily
ITOT · iShares Trust 0.00% 46,936 SH Sept. 11, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 3,189,997 SH Aug. 19, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0.00% 117,460 SH Aug. 19, 2026 Daily
ISCB · iShares Trust · 6,467 SH Sept. 11, 2026 Daily
SMLF · iShares Trust · 110,336 SH Sept. 11, 2026 Daily

FIGR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 14 analysts BUY
Median target $55.00 +92.8%
3 21.4% Strong Buy
9 64.3% Buy
1 7.1% Hold
1 7.1% Sell
0 0.0% Strong Sell

12-Month Price Target

7 analysts · 2026-09-29

Mean target $55.29 +93.8%

← Below all targets Current price $28.53
Low$45.00 Mean$55.29 High$70.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FIGR $0 92.8 48.7% 26.4% 16.9% ·
SYF $28.95B 9.0 -2.8% 18.7% 21.1% ·
SOFI $33.26B 67.1 23.1% 77.7% 5.5% ·
ALLY $13.97B 19.1 -3.3% 10.8% 5.7% ·
FCFS $7.01B 21.5 8.0% 9.0% 15.3% 50.3%
OMF $7.92B 10.3 8.9% 16.0% 23.3% ·
CACC $4.74B 12.2 7.2% 18.3% 27.5% ·
NNI · 11.3 21.1% 120.9% 12.2% ·
DAVE · · · · · ·
ENVA $3.89B 13.6 18.6% 9.8% 24.3% 58.1%
SLM $5.39B 7.8 7.3% 37.5% 30.9% ·

Latest News Recent headlines mentioning this company

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Source: SEC 10-Q filed Aug 14, 2026