WallStSmart

Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vsRobinhood Markets Inc (HOOD)

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Smart Verdict

WallStSmart Research — data-driven comparison

Robinhood Markets Inc generates 721% more annual revenue ($5.08B vs $619.12M). HOOD leads profitability with a 39.0% profit margin vs 38.3%. FIGR trades at a lower P/E of 25.1x. FIGR earns a higher WallStSmart Score of 70/100 (B).

FIGR

Strong Buy

70

out of 100

Grade: B

Growth: 10.0Profit: 8.0Value: 5.3Quality: 5.5
Piotroski: 3/9Altman Z: 1.53

HOOD

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 5.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIGR4 strengths · Avg: 10.0/10
Profit MarginProfitability
38.3%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
35.5%10/10

Strong operational efficiency at 35.5%

Revenue GrowthGrowth
120.8%10/10

Revenue surging 120.8% year-over-year

EPS GrowthGrowth
337.5%10/10

Earnings expanding 337.5% YoY

HOOD4 strengths · Avg: 9.5/10
Profit MarginProfitability
39.0%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
48.1%10/10

Strong operational efficiency at 48.1%

Market CapQuality
$76.53B9/10

Large-cap with strong market position

Return on EquityProfitability
21.9%9/10

Every $100 of equity generates 22 in profit

Areas to Watch

FIGR4 concerns · Avg: 3.5/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Debt/EquityHealth
1.043/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

HOOD4 concerns · Avg: 2.8/10
P/E RatioValuation
39.2x4/10

Premium valuation, high expectations priced in

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-16.4%2/10

Earnings declined 16.4%

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FIGR

The strongest argument for FIGR centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 38.3% and operating margin at 35.5%. Revenue growth of 120.8% demonstrates continued momentum.

Bull Case : HOOD

The strongest argument for HOOD centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 39.0% and operating margin at 48.1%. Revenue growth of 11.8% demonstrates continued momentum.

Bear Case : FIGR

The primary concerns for FIGR are P/E Ratio, Altman Z-Score, Debt/Equity.

Bear Case : HOOD

The primary concerns for HOOD are P/E Ratio, Piotroski F-Score, EPS Growth. Debt-to-equity of 2.40 is elevated, increasing financial risk.

Key Dynamics to Monitor

FIGR profiles as a growth stock while HOOD is a mature play — different risk/reward profiles.

FIGR is growing revenue faster at 120.8% — sustainability is the question.

HOOD generates stronger free cash flow (696M), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FIGR scores higher overall (70/100 vs 62/100), backed by strong 38.3% margins and 120.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Figure Technology Solutions, Inc. Class A Common Stock

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Figure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform. The company is headquartered in Reno, Nevada.

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Robinhood Markets Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Robinhood Markets Inc (HOOD) is a leading fintech company revolutionizing retail investing since 2013 with its innovative, commission-free trading platform. By offering a diverse range of investment products—including stocks, ETFs, options, and cryptocurrencies—Robinhood caters to a broad demographic, particularly engaging younger investors. The company is committed to financial education and inclusivity, further solidified by its unique features like fractional shares and advanced cash management solutions. With a focus on transparency and efficiency, Robinhood is well-positioned as a key player in the evolving digital brokerage landscape.

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