FIGR vs GHLD

For growth investors, Figure Technology Solutions, Inc.

Class A Common Stock (FIGR) is the stronger pick with 67. 4% revenue growth year-over-year, versus 60. 9% for Guild Holdings Company (GHLD). Guild Holdings Company (GHLD) offers the better valuation at 12. 8x trailing P/E (10. 2x forward), making it the more compelling value choice. Analysts rate Figure Technology Solutions, Inc. Class A Common Stock (FIGR) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Guild Holdings Company (GHLD) is the cheapest at 12.

8x versus Figure Technology Solutions, Inc. Class A Common Stock at 454. 1x. On forward P/E, Guild Holdings Company is actually cheaper at 10. 2x.

Over the past 5 years, Guild Holdings Company (GHLD) delivered a total return of +65.

7%, compared to +20. 6% for Figure Technology Solutions, Inc. Class A Common Stock (FIGR). Over 10 years, the gap is even starker: GHLD returned +58. 4% versus FIGR's +20. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Guild Holdings Company (GHLD) is the lower-risk stock at 0.

04β versus Figure Technology Solutions, Inc. Class A Common Stock's 2. 89β — meaning FIGR is approximately 6787% more volatile than GHLD relative to the S&P 500. On balance sheet safety, Figure Technology Solutions, Inc. Class A Common Stock (FIGR) carries a lower debt/equity ratio of 189% versus 2% for Guild Holdings Company — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Figure Technology Solutions, Inc.

Class A Common Stock (FIGR) is pulling ahead at 67. 4% versus 60. 9% for Guild Holdings Company (GHLD). On earnings-per-share growth, the picture is similar: Guild Holdings Company grew EPS 343. 8% year-over-year, compared to 135. 9% for Figure Technology Solutions, Inc. Class A Common Stock. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Guild Holdings Company (GHLD) is the more profitable company, earning 8.

3% net margin versus 6. 2% for Figure Technology Solutions, Inc. Class A Common Stock — meaning it keeps 8. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GHLD leads at 10. 1% versus 3. 3% for FIGR. At the gross margin level — before operating expenses — FIGR leads at 92. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Guild Holdings Company (GHLD) trades at 10.

2x forward P/E versus 40. 5x for Figure Technology Solutions, Inc. Class A Common Stock — 30. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIGR: 67. 3% to $62. 75.

In this comparison, GHLD (2.

5% yield) pays a dividend. FIGR does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Guild Holdings Company (GHLD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

04), 2. 5% yield). Figure Technology Solutions, Inc. Class A Common Stock (FIGR) carries a higher beta of 2. 89 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (GHLD: +58. 4%, FIGR: +20. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

GHLD pays a dividend while FIGR does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.