📊 FGRS Key Takeaways
Is Figure Technology Solutions, Inc. (FGRS) a Good Investment?
Figure Technology Solutions demonstrates strong fundamental growth with 48.7% YoY revenue expansion and exceptional profitability margins (26.4% net margin, 23.2% operating margin). The company maintains a solid balance sheet with 2.3B in assets, conservative leverage (0.45x debt/equity), and substantial cash reserves of 1.2B, providing financial flexibility for continued growth in the loan brokerage sector.
Figure Technology Solutions shows strong fundamental momentum, with revenue up 48.7% year over year and net income up 115.8%, while maintaining healthy operating and net margins. The balance sheet is solid, supported by $1.20B of cash, a 2.20x current ratio, and moderate leverage, though the gap between net income and operating cash flow suggests investors should watch earnings-to-cash conversion closely.
Why Buy Figure Technology Solutions, Inc. Stock? FGRS Key Strengths
- Exceptional revenue growth of 48.7% YoY reaching 506.9M demonstrates strong market traction
- Industry-leading net profit margin of 26.4% indicates pricing power and operational efficiency
- Strong balance sheet with 1.2B cash equivalents and healthy 2.20x current ratio provides financial stability
- Conservative debt/equity ratio of 0.45x limits financial risk and provides borrowing capacity for growth
- Positive free cash flow of 62.6M demonstrates the company converts growth into tangible cash generation
- High growth with revenue rising 48.7% YoY and net income rising 115.8% YoY
- Strong profitability profile, including 23.2% operating margin and 26.4% net margin
- Solid financial health with large cash reserves, strong liquidity, and manageable debt at 0.45x debt-to-equity
FGRS Stock Risks: Figure Technology Solutions, Inc. Investment Risks
- Operating cash flow of 62.6M significantly lags net income of 133.9M, raising questions about earnings quality and working capital management
- High net margin of 26.4% may not be sustainable long-term as competition intensifies in loan brokerage sector
- Limited visibility into gross margin and capital expenditure requirements obscures true cost structure
- Modest ROE of 10.9% and ROA of 5.8% relative to growth rates suggest capital efficiency could improve
- Significant insider activity (11 Form 4 filings in 90 days) warrants monitoring for potential shareholder concerns
- Operating cash flow of $62.57M trails net income of $133.86M, which may indicate weaker cash conversion
- Limited disclosure quality in the snapshot, with gross margin and interest coverage unavailable
- Business concentration in loan-related markets may expose results to credit cycle, funding, and regulatory pressure
Key Metrics to Watch
- Operating cash flow trend relative to net income to assess earnings quality
- Sustainability of 26.4% net margin as company scales
- Revenue growth trajectory to confirm if 48.7% YoY is repeatable or beginning to decelerate
- Debt/equity ratio and long-term debt levels as company finances growth initiatives
- ROE improvement potential as the company achieves greater scale
- Operating cash flow relative to net income
- Revenue growth and net margin sustainability
Figure Technology Solutions, Inc. (FGRS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.20x current ratio provides a solid financial cushion.
FGRS Profit Margin, ROE & Profitability Analysis
FGRS vs Finance Sector: How Figure Technology Solutions, Inc. Compares
How Figure Technology Solutions, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Figure Technology Solutions, Inc. Stock Overvalued? FGRS Valuation Analysis 2026
Based on fundamental analysis, Figure Technology Solutions, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Figure Technology Solutions, Inc. Balance Sheet: FGRS Debt, Cash & Liquidity
FGRS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Figure Technology Solutions, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.93 indicates the company is currently unprofitable.
FGRS Revenue Growth, EPS Growth & YoY Performance
FGRS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $101.0M | $11.7M | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Figure Technology Solutions, Inc. Dividends, Buybacks & Capital Allocation
FGRS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Figure Technology Solutions, Inc. (CIK: 0002064124)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FGRS
What is the AI rating for FGRS?
Figure Technology Solutions, Inc. (FGRS) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FGRS's key strengths?
Claude: Exceptional revenue growth of 48.7% YoY reaching 506.9M demonstrates strong market traction. Industry-leading net profit margin of 26.4% indicates pricing power and operational efficiency. ChatGPT: High growth with revenue rising 48.7% YoY and net income rising 115.8% YoY. Strong profitability profile, including 23.2% operating margin and 26.4% net margin.
What are the risks of investing in FGRS?
Claude: Operating cash flow of 62.6M significantly lags net income of 133.9M, raising questions about earnings quality and working capital management. High net margin of 26.4% may not be sustainable long-term as competition intensifies in loan brokerage sector. ChatGPT: Operating cash flow of $62.57M trails net income of $133.86M, which may indicate weaker cash conversion. Limited disclosure quality in the snapshot, with gross margin and interest coverage unavailable.
What is FGRS's revenue and growth?
Figure Technology Solutions, Inc. reported revenue of $506.9M.
Does FGRS pay dividends?
Figure Technology Solutions, Inc. does not currently pay dividends.
Where can I find FGRS SEC filings?
Official SEC filings for Figure Technology Solutions, Inc. (CIK: 0002064124) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FGRS's EPS?
Figure Technology Solutions, Inc. has a diluted EPS of $0.44.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FGRS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Figure Technology Solutions, Inc. has a BUY rating with 76% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FGRS stock overvalued or undervalued?
Valuation metrics for FGRS: ROE of 10.9% (sector avg: 12%), net margin of 26.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FGRS stock in 2026?
Our dual AI analysis gives Figure Technology Solutions, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FGRS's free cash flow?
Figure Technology Solutions, Inc.'s operating cash flow is $62.6M, with capital expenditures of N/A. FCF margin is 12.3%.
How does FGRS compare to other Finance stocks?
Vs Finance sector averages: Net margin 26.4% (avg: 25%), ROE 10.9% (avg: 12%), current ratio 2.20 (avg: 1.2).