FIGR vs RKT

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 27. 4% for Rocket Companies, Inc. (RKT). Figure Technology Solutions, Inc. Class A Common Stock (FIGR) offers the better valuation at 454. 1x trailing P/E (39. 9x 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 forward P/E, Rocket Companies, Inc.

is actually cheaper at 21. 3x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Figure Technology Solutions, Inc.

Class A Common Stock (FIGR) delivered a total return of +20. 6%, compared to -11. 9% for Rocket Companies, Inc. (RKT). Over 10 years, the gap is even starker: FIGR returned +21. 0% versus RKT's -13. 5%. 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), Rocket Companies, Inc.

(RKT) is the lower-risk stock at 1. 85β versus Figure Technology Solutions, Inc. Class A Common Stock's 2. 86β — meaning FIGR is approximately 54% more volatile than RKT relative to the S&P 500.

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

Class A Common Stock (FIGR) is pulling ahead at 67. 4% versus 27. 4% for Rocket Companies, Inc. (RKT). On earnings-per-share growth, the picture is similar: Figure Technology Solutions, Inc. Class A Common Stock grew EPS 135. 9% year-over-year, compared to -123. 8% for Rocket Companies, Inc.. 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.

Figure Technology Solutions, Inc.

Class A Common Stock (FIGR) is the more profitable company, earning 6. 2% net margin versus -1. 0% for Rocket Companies, Inc. — meaning it keeps 6. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RKT leads at 8. 7% 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, Rocket Companies, Inc.

(RKT) trades at 21. 3x forward P/E versus 39. 9x for Figure Technology Solutions, Inc. Class A Common Stock — 18. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIGR: 67. 3% to $62. 75.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Rocket Companies, Inc.

(RKT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. Figure Technology Solutions, Inc. Class A Common Stock (FIGR) carries a higher beta of 2. 86 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (RKT: -13. 5%, FIGR: +21. 0%), 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.

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.