Stock fact sheet · data as of
Figure Technology Solutions, Inc. Class A Common Stock (FIGR): fair value, margin of safety and Wheel Score
Financial Services · Financial - Capital Markets · United States · High Growth
Is FIGR undervalued?
FIGR has a margin of safety of 51%: the stock closed at 27.67 on 16 Oct 2026 against a GLS average fair value of 56.88. 3 of the 6 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 6 models disagree widely: EPV gives 12.01 while DCF gives 161.73. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files FIGR under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for FIGR
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 161.73 | +485% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 12.52 | -55% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 61.82 | +123% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 27.02 | -2% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 66.17 | +139% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 12.01 | -57% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 4.21 | -85% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 50.00 | +81% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: FIGR passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 6.2%, ROE 10.9%, ROA 5.8% - with debt at 0.77 times equity and negative free cash flow.
Figure Technology Solutions, Inc. Class A Common Stock pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 6.2% |
|---|---|---|---|
| GLS Moat | 6.3 / 10 | ROE | 10.9% |
| Debt / equity | 0.77 | ROA | 5.8% |
| Free-cash-flow yield | -78.5% | Payout ratio | 0% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 76: Good
FIGR scores 76 out of 100 on the Wheel Score (Good band, 65-79). The score blends the margin of safety (Value, 25/25), Piotroski health (9/20), the GLS moat (9/15), the option premium on offer (14/20) and how easily the stock trades (19/20). Health (9/20) is the part holding the score back.
Implied volatility is 83% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (14 of 20) because volatility this high usually comes with a reason. The option chain is deep: 136,060 contracts of open interest across all expiries, which means tight fills at most strikes.
Volume runs at 5.1M shares a day on a market cap of $5.1B, with a beta of -0.02 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 19 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 51% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 9 / 15 | moat 6.3/10 | |
| Premium | 14 / 20 | implied volatility 83% | |
| Stability | 19 / 20 | 5.1M shares/day, $5.1B cap, beta -0.02 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 12 Nov 2026 (before the open), 27 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Capital Markets
The 12 companies below are the closest to Figure Technology Solutions, Inc. Class A Common Stock by market cap within the Financial - Capital Markets industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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|---|---|---|---|---|---|
| MRX Marex Group Limited | 72.30 | 292.20 | +75% | 83Prime | $5.2B |
| BGC BGC Group, Inc | 11.60 | 9.42 | -23% | 66Good | $5.4B |
| RIOT Riot Platforms, Inc. | 15.10 | - | - | 45Weak | $5.7B |
| WULF TeraWulf Inc. | 11.54 | - | - | 45Weak | $5.8B |
| MKTX MarketAxess Holdings Inc. | 164.54 | 118.33 | -39% | 43Weak | $5.8B |
| GLXY Galaxy Digital | 18.25 | 6,114.23 | +100% | 45Weak | $6.1B |
| MC Moelis & Company | 55.32 | 88.95 | +38% | 83Prime | $4.1B |
| LAZ Lazard Inc | 36.16 | 62.30 | +42% | 82Prime | $4.0B |
| SNEX StoneX Group Inc. | 59.93 | 704.40 | +91% | 82Prime | $7.2B |
| LTSAP Osaic Financial Services, Inc. | 19.50 | 48.03 | +59% | 39No options | $3.5B |
| MARA Marathon Digital Holdings, Inc. | 8.33 | - | - | 45Weak | $3.2B |
| JEF Jefferies Financial Group Inc. | 44.90 | 142.63 | +69% | 87Prime | $8.5B |
⚖ Compare FIGR with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FIGR
Is FIGR undervalued right now?
By the GLS models, yes: at 27.67 the stock is 51% below the average fair value of 56.88 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FIGR and what does it mean?
FIGR scores 76 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for FIGR?
56.88 per share as of 16 Oct 2026 - the simple average of the 6 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Figure Technology Solutions, Inc. Class A Common Stock report earnings next?
The next earnings report is due on 12 Nov 2026 (before the open), 27 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does FIGR have listed options, and how liquid are they?
Yes. The nightly snapshot found 738 listed contracts with 136,060 open interest across all expiries and implied volatility of 83% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.