Figure Technology Solutions vs Upstart
FIGR and UPST side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FIGR and UPST compare
Figure Technology Solutions is the larger company, worth 2.7 times as much as Upstart ($5.4B against $2.0B).
On earnings, Figure Technology Solutions is cheaper: it trades at 25.2× trailing earnings, against 42.0× for Upstart.
Figure Technology Solutions grew revenue faster over the last twelve months (88.8% versus 46.3% for Upstart).
Figure Technology Solutions keeps more of each dollar of sales as profit, with a net margin of 33.5% compared with 4.8% at Upstart.
Upstart scores higher on the StockData Score (12 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 | UPST |
|---|---|---|
| Size and price | ||
| Market cap | $5.4B | $2.0B |
| Share price | $24.19 | $20.56 |
| Change, 1 year | −35.7% | −47.0% |
| Change, 5 years | −96.0% | −90.1% |
| Beta (5Y) | −0.69 | 3.19 |
| Employees | 307 | 1,405 |
| StockData Score | ||
| Total score | 6 | 12 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 1 | 1 |
| Performance score | 3 | 5 (better) |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 25.2× (better) | 42.0× |
| P/S | 7.7× | 1.6× (better) |
| P/B | 3.8× | 2.5× (better) |
| EV/EBITDA | 21.4× | 20.5× (better) |
| FCF yield | – | −14.4% |
| Fair value | $10.17 | $22.63 |
| Margin of safety | −138% | 9.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 88.8% (better) | 46.3% |
| Revenue growth, 5Y average | – | 34.9% |
| Net income growth (TTM) | 283% | – |
| EPS growth (TTM) | 500% | – |
| Profitability | ||
| Operating margin | 28.4% (better) | 4.0% |
| Net margin | 33.5% (better) | 4.8% |
| FCF margin | – | −23.2% |
| Return on equity | 26.8% (better) | 7.9% |
| Return on invested capital | 52.2% (better) | 21.7% |
| Financial health | ||
| Debt / equity | 0.22 (better) | 0.00 |
| Net debt / EBITDA | −5.57 | – |
| Current ratio | 1.86 | – |
| Altman Z-score | 2.90 (better) | 0.80 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 53.2% | 60.0% |
| Held by insiders | 30.6% | 12.3% |
| Insider net buying, 12 months | −$56.2M | $1.1M (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | – | 31.0% |
Go deeper
- FIGR stock overview
- FIGR income statement
- FIGR valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.