WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Robinhood Markets Inc generates 804% more annual revenue ($4.61B vs $510.35M). HOOD leads profitability with a 41.1% profit margin vs 35.2%. FIGR trades at a lower P/E of 34.1x. FIGR earns a higher WallStSmart Score of 67/100 (B-).

FIGR

Strong Buy

67

out of 100

Grade: B-

Growth: 10.0Profit: 7.5Value: 4.7Quality: 7.0
Piotroski: 3/9Altman Z: 1.53

HOOD

Buy

60

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 3.7Quality: 3.5
Piotroski: 3/9Altman Z: 0.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIGR5 strengths · Avg: 9.4/10
Profit MarginProfitability
35.2%10/10

Keeps 35 of every $100 in revenue as profit

Revenue GrowthGrowth
119.2%10/10

Revenue surging 119.2% year-over-year

EPS GrowthGrowth
277.8%10/10

Earnings expanding 277.8% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
24.9%8/10

Strong operational efficiency at 24.9%

HOOD6 strengths · Avg: 9.0/10
Profit MarginProfitability
41.1%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$88.36B9/10

Large-cap with strong market position

Return on EquityProfitability
20.4%9/10

Every $100 of equity generates 20 in profit

Revenue GrowthGrowth
15.1%8/10

15.1% revenue growth

Free Cash FlowQuality
$1.19B8/10

Generating 1.2B in free cash flow

Areas to Watch

FIGR4 concerns · Avg: 3.3/10
P/E RatioValuation
34.1x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-44.25M2/10

Negative free cash flow — burning cash

HOOD4 concerns · Avg: 3.5/10
Price/BookValuation
9.4x4/10

Trading at 9.4x book value

EPS GrowthGrowth
2.7%4/10

2.7% earnings growth

Debt/EquityHealth
1.443/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : FIGR

The strongest argument for FIGR centers on Profit Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 35.2% and operating margin at 24.9%. Revenue growth of 119.2% 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 41.1% and operating margin at 38.5%. Revenue growth of 15.1% demonstrates continued momentum.

Bear Case : FIGR

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

Bear Case : HOOD

The primary concerns for HOOD are Price/Book, EPS Growth, Debt/Equity. A P/E of 47.6x leaves little room for execution misses.

Key Dynamics to Monitor

FIGR is growing revenue faster at 119.2% — sustainability is the question.

HOOD generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

FIGR scores higher overall (67/100 vs 60/100), backed by strong 35.2% margins and 119.2% 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 pioneering fintech company that has transformed retail investing since its inception in 2013, providing a commission-free trading platform through an intuitive mobile app. Catering to a diverse demographic, Robinhood offers a wide array of investment products—including stocks, ETFs, options, and cryptocurrencies—while fostering financial education and inclusivity. Its innovative features such as fractional shares and robust cash management solutions reinforce its competitive position in the digital brokerage sector, appealing to a new generation of investors seeking transparent and efficient access to the financial markets.

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