Figure Technology Solutions, Inc. (FIGR): a likely value trap?

Avoid — this is a richly-priced, rate-sensitive HELOC lender with negative cash flow and constant insider selling, not a mispriced bargain.

⚠ TRAP Fundamentals77/100

Fell 21% in 5 trading day(s) — now $29.33

Why FIGR dropped

No single bombshell explains today's -8.1% drop; instead it coincides with a broader risk-off move as surging bond yields hit rate-sensitive lenders, on top of an already-fading post-IPO story with persistent heavy insider selling.

Fwd P/E 15.7Op margin 35.5%Rev growth 120.8%Debt/equity 104.3%Analyst upside 88.5%

How this scored 77/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 38.3%

✅ Generates cash Free cash flow $-254M

✅ Not drowning in debt Debt/equity 104.3% — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 25/25

Operating margin 35.5% 9/9

Net profit margin 38.3% 8/8

Return on equity 26.1% 8/8

Growth Is it getting bigger, or dying? 25/25

Revenue growth 120.8% 9/9

Earnings growth 337.5% 8/8

Expected profit change 96.8% 8/8

Value Is it cheap right now? 17/25

Forward P/E 15.7 8/10

PEG ratio unknown 2/8

Analyst target upside 88.5% 7/7

Balance sheet Will it survive? 10/25

Debt / equity 104.3% 5/10

Current ratio 1.9 5/8

Free cash flow $-254M 0/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-29. Research only — not financial advice.