WallStSmart

Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vsMorgan Stanley (MS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Morgan Stanley generates 12788% more annual revenue ($79.79B vs $619.12M). FIGR leads profitability with a 38.3% profit margin vs 25.6%. MS trades at a lower P/E of 14.6x. MS earns a higher WallStSmart Score of 72/100 (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

MS

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.38

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

MS5 strengths · Avg: 9.0/10
Market CapQuality
$288.43B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.9%10/10

Strong operational efficiency at 39.9%

Profit MarginProfitability
25.6%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

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

MS2 concerns · Avg: 3.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.382/10

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 : MS

The strongest argument for MS centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 25.6% and operating margin at 39.9%. Revenue growth of 10.8% demonstrates continued momentum.

Bear Case : FIGR

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

Bear Case : MS

The primary concerns for MS are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

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

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

Bottom Line

MS scores higher overall (72/100 vs 70/100), backed by strong 25.6% margins and 10.8% revenue growth. Both earn "Strong Buy" and "Strong 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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Morgan Stanley

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Morgan Stanley is an American multinational investment bank and financial services company headquartered at 1585 Broadway in the Morgan Stanley Building, Midtown Manhattan, New York City.

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