FIGR · Intrinsic value
Is Figure Technology Solutions, Inc. (FIGR) overvalued or undervalued?
Figure Technology Solutions, Inc. (FIGR) trades at the delayed market price of $25.70 a share. That price already implies revenue growth of 21.9% a year for 5 years. TickerWorth's fair value is $20.03 a share (28% above fair value), as of Oct 19, 2026. It is a model estimate, and every input behind it is sourced below.
Model by Miraaj Patel · generated from SEC filings and market data · Updated Oct 19, 2026 · How these pages are made
Is FIGR overvalued?
- Fair value
- $20.03
- Market price
- $25.70
- Downside to fair value
- 22.1%
- Verdict
- 28% above fair value
Reverse DCF: Today's price implies revenue growth of 21.9% a year for 5 years; our model assumes 16.6% a year on average over the same horizon.
What is FIGR's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in US
Its strongest point: growing quickly. Its weakest: looks expensive on the numbers.
- Value · 15 of 100
Cheaper than 15% of Financial Services companies in US
- Price vs worth · 32 of 100
- Quality · 82 of 100
More profitable than 82% of Financial Services companies in US
- Financial health · 51 of 100
Financially stronger than 51% of Financial Services companies in US
- Growth · 100 of 100
Growing faster than virtually every one of the Financial Services companies in US
- Momentum · 4 of 100
Outperformed 4% of Financial Services companies in US over the past year
Confidence: High confidence · Scored
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FIGR DCF valuation: what the price assumes
At a recent price of $25.70, Figure Technology Solutions, Inc. (FIGR) trades 28% above TickerWorth's blended fair value of $20.03 per share — a discounted-cash-flow model cross-checked against peer multiples and asset value — meaning the market currently prices FIGR overvalued vs our estimate of what the business is intrinsically worth. Our fair value sits below the market, an implied -22.1% move to close the gap if the business performs in line with our assumptions. This is an educational model, not a price target or a recommendation — the value moves with the inputs, which you can test yourself using the WACC slider below.
Read the full reasoning
One of the lenses behind that blended figure is a discounted-cash-flow model, which on its own values FIGR at about $22.46 per share. The rest of this page walks through that DCF — its assumptions, reverse-DCF and discount-rate sensitivity — because it is the auditable anchor of the blend.
The valuation discounts Figure Technology Solutions, Inc.'s projected free cash flows at a weighted-average cost of capital (WACC) of 9.4%, with a long-run terminal growth rate of 2.5%. About 75% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly 21.9% annual revenue growth for FIGR. Our base case instead compounds to about 16.6% a year over the same forecast, so the market is pricing in materially faster growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, FIGR's modeled DCF value ranges from about $17.93 to $32.11 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Figure Technology Solutions, Inc. would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of FIGR's intrinsic value. Figures update as new filings and prices come in.
Every input behind FIGR's DCF
| Input | Value |
|---|---|
| Base-year revenueFIGURE TECHNOLOGY SOLUTIONS, INC. FY2025 10-K (accession 0002064124-26-000009): us-gaap:Revenues, FY2025 full year. | $506,870,000 |
| Base EBIT marginFIGURE TECHNOLOGY SOLUTIONS, INC. FY2025 10-K (accession 0002064124-26-000009): us-gaap:OperatingIncomeLoss 117,527,000 / revenue 506,865,000 = 23.19%, FY2025. | 23.2% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 30% → 24% → 17% → 10% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 1.10 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesFIGURE TECHNOLOGY SOLUTIONS, INC. FY2025 10-K (accession 0002064124-26-000009): WeightedAverageNumberOfDilutedSharesOutstanding = 141,802,002 shares, FY2025. | 142M |
| Market priceDelayed quote · as of 2026-10-19 20:12 UTC | $25.70 |
Change FIGR's assumptions
The discount-rate dial and the editable model
ProChange growth, margin and WACC yourself — Pro (7-day free trial, card required).
What does Figure Technology Solutions, Inc. do?
What does it do?
Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets. It operates in the Capital Markets industry (Financial Services sector), headquartered in United States. The company employs roughly 602 people.
How does it make money?
The business turns $507M in annual revenue into profit. Out of every $100 of sales, about $36 is left as operating profit (operating margin of 35.5%), after a 100% gross margin on the products/services it sells. After all costs, taxes and interest, 38.3% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: carries moderate debt (1.0× equity), comfortably covers its short-term bills (1.9× current ratio), and is currently profitable.
Who at FIGR filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| Kgil Minchung | Chief Financial Officer | Option exercise | $99,995.72 | Form 4 for Kgil Minchung (opens sec.gov in a new tab) | |
| Kgil Minchung | Chief Financial Officer | Shares withheld (tax) | $774,322.70 | Form 4 for Kgil Minchung (opens sec.gov in a new tab) | |
| Kgil Minchung | Chief Financial Officer | Open-market sale | $289,827.00 | Form 4 for Kgil Minchung (opens sec.gov in a new tab) | |
| Kgil Minchung | Chief Financial Officer | Open-market sale | $19,682.00 | Form 4 for Kgil Minchung (opens sec.gov in a new tab) | |
| Stevens David Todd | Chief Capital Officer | Option exercise | $184,514.42 | Form 4 for Stevens David Todd (opens sec.gov in a new tab) | |
| Stevens David Todd | Chief Capital Officer | Open-market sale | $1,274,610.18 | Form 4 for Stevens David Todd (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Common questions
What is FIGR's intrinsic value?
TickerWorth's blended fair value for Figure Technology Solutions, Inc. (FIGR) is $20.03 per share, versus a market price of $25.70 (28% above fair value).
Is FIGR overvalued or undervalued?
On our blended fair value FIGR looks overvalued vs fair value at $25.70. This is an educational estimate, not advice.
What discount rate is used for FIGR?
A WACC of 9.4% and a terminal growth rate of 2.5%.
Is Figure Technology Solutions stock undervalued?
TickerWorth's fair value for Figure Technology Solutions, Inc. (FIGR) is $20.03 against a market price of $25.70. Our read: 28% above fair value. This is a model estimate, not investment advice.
Figure Technology Solutions (FIGR) DCF valuation and fair value
Our fair value for Figure Technology Solutions, Inc. (FIGR) is $20.03, built on a 9.4% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Figure Technology Solutions stock?
Today's price implies revenue growth of 21.9% a year for 5 years; our model assumes 16.6% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $25.70. A model estimate, not investment advice.
Figure Technology Solutions (FIGR) insider trading
The most recent insider filing (SEC Form 4) for Figure Technology Solutions, Inc. (FIGR): Kgil Minchung, Chief Financial Officer, option exercise on 2026-09-11. The latest filings are listed on this page. A disclosure, not a signal to trade.
Stocks below our fair value instead
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.