COMP <GO>
FIGR vs CACC // EV/EBITDA & P/E VALUATION
Figure Technology Solutions Inc. (NASDAQ) VS. Credit Acceptance Corporation (NASDAQ) • 15-METRIC TALLY: FIGR 5
— CACC 4
▲ EV/EBITDA & P/E VALUATION LEADER: FIGR
LAST: $21.58 (-8.52%) • MKT CAP: $5.29B
valuation
31.6x
LAST: $464.89 (-19.26%) • MKT CAP: $5.98B
valuation
95.0x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FIGR VS. CACC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FIGR | CACC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 21.90% | 0.00% | +21.90 | FIGR | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 31.6x | 95.0x | -63.40 | FIGR | /valuation <GO> |
| Free Cash Flow Yield | 0.75% | 17.62% | -16.87 | CACC | /fcf-yield <GO> |
| Operating Margin | 23.20% | 0.00% | +23.20 | FIGR | /operating-margins <GO> |
| Net Profit Margin | 26.40% | 0.00% | +26.40 | FIGR | /net-margins <GO> |
| Revenue Growth (YoY) | 48.70% | 7.20% | +41.50 | FIGR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.1 | 54.7 | -14.60 | CACC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.00 | 1.02 | -0.02 | CACC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 33.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.29B | $5.98B | -$683.9M | CACC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FIGR REV | CACC REV | FIGR GROSS % | CACC GROSS % | FIGR FCF | CACC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $506.9M | $2.32B | — | — | $39.8M | $1.05B |
| FY 2024 | $340.9M | $2.16B | — | — | -$142.4M | $1.14B |
| FY 2023 | $209.5M | $1.90B | — | — | -$42.8M | $1.12B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FIGR // BETA 1.00
CACC // BETA 1.02