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 935% more annual revenue ($4.47B vs $432.06M). HOOD leads profitability with a 42.1% profit margin vs 31.0%. HOOD trades at a lower P/E of 33.7x. FIGR earns a higher WallStSmart Score of 57/100 (C).

FIGR

Buy

57

out of 100

Grade: C

Growth: 8.0Profit: 7.5Value: 3.0Quality: 4.3
Piotroski: 1/9

HOOD

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 8.5Value: 5.7Quality: 5.0
Piotroski: 2/9Altman Z: 0.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FIGRSignificantly Overvalued (-72.0%)

Margin of Safety

-72.0%

Fair Value

$20.59

Current Price

$31.21

$10.62 premium

UndervaluedFair: $20.59Overvalued
HOODSignificantly Overvalued (-439.5%)

Margin of Safety

-439.5%

Fair Value

$13.94

Current Price

$72.54

$58.60 premium

UndervaluedFair: $13.94Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIGR2 strengths · Avg: 10.0/10
Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Revenue GrowthGrowth
99.1%10/10

Revenue surging 99.1% year-over-year

HOOD5 strengths · Avg: 9.2/10
Profit MarginProfitability
42.1%10/10

Keeps 42 of every $100 in revenue as profit

Operating MarginProfitability
46.5%10/10

Strong operational efficiency at 46.5%

Market CapQuality
$62.19B9/10

Large-cap with strong market position

Return on EquityProfitability
22.0%9/10

Every $100 of equity generates 22 in profit

Revenue GrowthGrowth
26.5%8/10

Revenue surging 26.5% year-over-year

Areas to Watch

FIGR4 concerns · Avg: 2.8/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

P/E RatioValuation
75.6x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-2.09B2/10

Negative free cash flow — burning cash

HOOD4 concerns · Avg: 3.0/10
P/E RatioValuation
33.7x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.683/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-34.5%2/10

Earnings declined 34.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : FIGR

The strongest argument for FIGR centers on Profit Margin, Revenue Growth. Profitability is solid with margins at 31.0% and operating margin at 13.1%. Revenue growth of 99.1% 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 42.1% and operating margin at 46.5%. Revenue growth of 26.5% demonstrates continued momentum.

Bear Case : FIGR

The primary concerns for FIGR are EPS Growth, Piotroski F-Score, P/E Ratio. A P/E of 75.6x leaves little room for execution misses.

Bear Case : HOOD

The primary concerns for HOOD are P/E Ratio, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.68 is elevated, increasing financial risk.

Key Dynamics to Monitor

FIGR is growing revenue faster at 99.1% — sustainability is the question.

HOOD generates stronger free cash flow (-939M), providing more financial flexibility.

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

Bottom Line

FIGR scores higher overall (57/100 vs 56/100), backed by strong 31.0% margins and 99.1% revenue growth. Both earn "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 innovator that has revolutionized retail investing by offering a commission-free trading platform since 2013. With its intuitive mobile application, the company enables a diverse range of market participants to access stocks, ETFs, options, and cryptocurrencies, fostering financial literacy and inclusivity. Robinhood's commitment to transparency and product innovation, including features like fractional shares and cash management services, solidifies its role as a significant player in the digital brokerage industry, appealing to a new generation of investors looking for accessible and efficient ways to navigate financial markets.

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