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Try Stocky free →Avoid. FIGR's modest growth compounder score (43/100) and weak leadership alignment (45/100) don't justify a 29× forward multiple, especially given severe concentration risk: top 10 partners drive 56% of originations with no long-term contracts and minimal switching costs. Partner defection poses existential vulnerability.
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Stocky rates FIGR (FIGR) at 36/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. FIGR's modest growth compounder score (43/100) and weak leadership alignment (45/100) don't justify a 29× forward multiple, especially given severe concentration risk: top 10 partners drive 56% of originations with no long-te
FIGR's current Stocky Verdict is 36/100, placing it in the "Avoid" band. This composite combines a 43/100 Compounder score, 55/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for FIGR yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
FIGR scores 55/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
FIGR's Vulnerability Profile scores 17/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to FIGR.
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