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Figure Technology SolutionsFIGR +0.07%15 Debt-to-EBITDA is 5.54 as of Mar. 2026, which is 23% below its 10-year median of 7.20. GuruFocus rates FIGR with a GF Score™ of 15/100. The stock has 3 warning signs investors should review. Among 419 Capital Markets companies, Figure Technology Solutions ranks worse than 76.37% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Figure Technology Solutions's Debt-to-EBITDA or its related term are showing as below:
FIGR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 5.29 Med: 7.2 Max: 25.55
Current: 5.93
During the past 3 years, the highest Debt-to-EBITDA Ratio of Figure Technology Solutions was 25.55. The lowest was 5.29. And the median was 7.20.
FIGR's Debt-to-EBITDA is ranked worse than 76.37% of 419
companies
in the Capital Markets industry
Industry Median: 1.56
vs FIGR: 5.93
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Figure Technology Solutions Debt-to-EBITDA Related Terms
Figure Technology Solutions Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FIGR vs BGC, VIRT, PIPR: Debt-to-EBITDA Comparison
For the Capital Markets subindustry, Figure Technology Solutions's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Figure Technology Solutions Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Figure Technology Solutions's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Figure Technology Solutions's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Figure Technology Solutions (FIGR) has a Debt-to-EBITDA of 5.54 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Figure Technology Solutions. This is 23% below median its historical median of 7.20. Over the past decade, Figure Technology Solutions' Debt-to-EBITDA has ranged from 5.29 to 25.55. According to the industry distribution chart, Figure Technology Solutions ranks #320 out of 419 companies in the Capital Markets industry, placing it in the top 76.4%.
Is Figure Technology Solutions' Debt-to-EBITDA too high?
Figure Technology Solutions' current Debt-to-EBITDA of 5.54 is 23% below median its 10-year median of 7.20. Over the past 10 years, this metric has ranged from a low of 5.29 to a high of 25.55. The Capital Markets industry median Debt-to-EBITDA is 1.56. Figure Technology Solutions' value of 5.54 is 255.1% above this industry median. Based on the distribution chart, Figure Technology Solutions ranks #320 out of 419 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, Figure Technology Solutions has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Figure Technology Solutions' Debt-to-EBITDA compare to BGC and VIRT?
According to the Capital Markets industry distribution chart, Figure Technology Solutions ranks #320 out of 419 companies for Debt-to-EBITDA. This places Figure Technology Solutions in the lower half of its industry. The industry median Debt-to-EBITDA is 1.56. Figure Technology Solutions' value of 5.54 is 255.1% above this benchmark. Historically, Figure Technology Solutions' own Debt-to-EBITDA has ranged from 5.29 to 25.55 over the past decade. While the company's 10-year median is 7.20 vs. the industry median of 1.56, Figure Technology Solutions has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.56, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Figure Technology Solutions's current Debt-to-EBITDA of 5.54 is 255.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Figure Technology Solutions. For the Capital Markets industry, the median Debt-to-EBITDA is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Figure Technology Solutions's current Debt-to-EBITDA is 5.54, which is 23% below median its own 10-year median of 7.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Figure Technology Solutions stock overvalued right now?
Figure Technology Solutions (FIGR) has a current Debt-to-EBITDA of 5.54. The current Debt-to-EBITDA is 5.54, which is 23% below median its 10-year median of 7.20 and 255.1% above the Capital Markets industry median of 1.56. Figure Technology Solutions' overall GF Score™ is 15/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Figure Technology Solutions (FIGR), the current Debt-to-EBITDA is 5.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Figure Technology Solutions Inc is building the future of capital markets with blockchain technology. proprietary technology powers next-generation lending, trading, and investing activities in areas such as consumer credit and digital assets. Its use of the blockchain ledger allows them to serve their end customers, improve speed and efficiency, and enhance standardization and liquidity. The Company operates as a single operating and reportable segment. The company's geographical operations is within the USA, with the majority of revenue from California.
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