AlphaMadera's AlphaVal page computes Figure Technology Solutions, Inc. Class A Common Stock's fair value using a multi-method blend (DCF, comparable-multiples, and Graham-style intrinsic value), then compares it to the current market price to flag FIGR as undervalued, fairly valued, or overvalued.

How does AlphaMadera value FIGR?

AlphaVal uses three primary techniques: a five-year discounted-cash-flow projection with terminal multiple, peer-group multiple analysis (P/E, EV/EBITDA, P/S), and Graham's defensive-investor intrinsic-value formula. Inputs come from FIGR's most recent reported fundamentals.

FIGR - Figure Technology Solutions, Inc. Class A Common Stock

Q: What is Figure Technology Solutions, Inc. Class A Common Stock's fair value?

Fair value for FIGR is a model output combining discounted cash flow projections, peer-group multiples, and a Graham number floor. The live AlphaVal page shows the blended fair value alongside each method's individual estimate.

Price: -- -- | CONSENSUS: Buy DETAILS | PRICE TARGET: $62.75 DETAILS

AlphaVal

Deterministic, archetype-aware fair value

Banks, Insurers & Asset Managers 85% confidence

Primary model: P/Tangible Book × ROE Quality

Valuation Signal Overvalued Mild

Trading 8.8% above fair value

Current Price $33.95

Bear Case $18.87 44.4% downside ($18.87 - $33.95) / $33.95 = -44.4% ROTCE 8.2% → 2.08x TBV

Fair Value $31.20 8.1% downside ($31.20 - $33.95) / $33.95 = -8.1% ROTCE 10.9% → 3.45x TBV

Bull Case $36.22 6.7% upside ($36.22 - $33.95) / $33.95 = 6.7% ROTCE 12.5% → 4.00x TBV

Adjust Assumptions

Return on Tangible Equity

10.9%

Cost of Equity

6.0%

Key Value Driver

ROTCE (10.9%) vs. cost of equity (6.0%)

Implied Market Multiple 5.02x

Plain-Language Summary

Our base-case estimate uses P/Tangible Book × ROE Quality. We then blend that result with the average analyst price target of $62.75 from 7 analysts, using a 20% weight on analyst consensus. That produces an estimated intrinsic value of $31.20 per share.

Warnings

⚠ Traditional cash flow models don't work well for banks — lending activity distorts how much cash the business actually generates.

⚠ Common valuation shortcuts don't apply here — for banks, interest payments are a core business cost, not overhead.

ℹ Wall Street's average price target is $62.75 (from 7 analysts). Our estimate is 63% below the consensus -- consider that gap carefully.

Key Risks

Book value quality matters as much as level — check loan loss reserves
Interest rate sensitivity creates non-linear earnings surprises
Insurance reserving is actuarial, not financial — errors emerge slowly