Figure Technology Solutions vs SoFi Technologies
FIGR and SOFI side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FIGR and SOFI compare
SoFi Technologies is the larger company, worth 3.9 times as much as Figure Technology Solutions ($21.0B against $5.4B).
On earnings, Figure Technology Solutions is cheaper: it trades at 25.2× trailing earnings, against 29.6× for SoFi Technologies.
Figure Technology Solutions grew revenue faster over the last twelve months (88.8% versus 5.5% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with 33.5% at Figure Technology Solutions.
SoFi Technologies scores higher on the StockData Score (10 against 6 for Figure Technology Solutions), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FIGR | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $5.4B | $21.0B |
| Share price | $24.19 | $16.27 |
| Change, 1 year | −35.7% | −46.7% |
| Change, 5 years | −96.0% | −20.1% |
| Beta (5Y) | −0.69 | 2.06 |
| Employees | 307 | 6,100 |
| StockData Score | ||
| Total score | 6 | 10 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 3 | 3 |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 25.2× (better) | 29.6× |
| P/S | 7.7× (better) | 34.1× |
| P/B | 3.8× | 1.9× (better) |
| EV/EBITDA | 21.4× | – |
| FCF yield | – | −50.2% |
| Fair value | $10.17 | $14.27 |
| Margin of safety | −138% | −14.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 88.8% (better) | 5.5% |
| Revenue growth, 5Y average | – | 43.1% |
| Net income growth (TTM) | 283% (better) | 15.2% |
| EPS growth (TTM) | 500% (better) | 3.8% |
| Profitability | ||
| Gross margin | – | −20.4% |
| Operating margin | 28.4% | – |
| Net margin | 33.5% | 120% (better) |
| FCF margin | – | −1709% |
| Return on equity | 26.8% (better) | 7.4% |
| Return on invested capital | 52.2% | – |
| Financial health | ||
| Debt / equity | 0.22 (better) | 0.00 |
| Net debt / EBITDA | −5.57 | – |
| Current ratio | 1.86 | – |
| Altman Z-score | 2.90 (better) | 0.23 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | – | −7.5% |
| Shareholder yield | 0.00% (better) | −7.5% |
| Ownership | ||
| Held by institutions | 53.2% | 50.7% |
| Held by insiders | 30.6% | 6.9% |
| Insider net buying, 12 months | −$56.2M | −$7.8M (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | – | 18.6% |
Go deeper
- FIGR stock overview
- FIGR income statement
- FIGR valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.