Figure Technology Solutions, Inc. Class A Common Stock

FIGR

Financial - Capital Markets · Financial Services

Price

$39.10

+3.04 (+8.43%)

Market Cap

$7.14B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Good

Cash Flow

Weak

Stability

Good

Valuation

Good

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Share count rising — dilution

+36.9% over 2y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 207.1M (2023) → 283.6M (2025)

Winston Score History

The full picture

Figure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities. It serves the consumer finance sector. The company was formerly known as FT Intermediate, Inc. and changed its name to Figure Technology Solutions, Inc. in August 2025. The company was founded in 2018 and is based in Reno, Nevada.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

80.1%

Premium pricing power — 80.1% gross margin

Profit after running costs

Operating Margin

51.6%

Excellent — 51.6% operating margin

Return on the money invested

ROCE

9.5%

Below par — 9.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/4 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

-1700%

Weak — only -1700% of profit becomes cash

Spare cash per sale

FCF Margin

-565.3%

Burning cash (-565.3%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

1.04

Elevated debt (1.04)

Covers its interest

Interest Cover

4.41x

Adequate interest coverage (4.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

35.5x

Pricey — P/E 35.5

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+6.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (35.5 → 29.3)

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Dividends

Not applicable for this business.

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