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Sentiment · FY2026 Q2
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| James Yaro | Goldman Sachs | 6 (0%) |
| Dan Dolev | Mizuho Securities | 4 (0%) |
| Ryan Tomasello | KBW | 4 (25%) |
| Patrick Moley | Piper Sandler | 4 (0%) |
| Rob Wildhack | Autonomous Research | 4 (50%) |
| Randy Binner | Texas Capital Securities | 2 (50%) |
| Dan Fannon | Jefferies | 2 (0%) |
| Kyle Peterson | Needham | 2 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Goldman Sachs | 1 | 6 (0%) |
| Autonomous Research | 1 | 4 (50%) |
| KBW | 1 | 4 (25%) |
| Mizuho Securities | 1 |
| 4 (0%) |
| Piper Sandler | 1 | 4 (0%) |
| Jefferies | 1 | 2 (0%) |
| Needham | 1 | 2 (0%) |
| Texas Capital Securities | 1 | 2 (50%) |
Figure Technology Solutions grew consumer loan marketplace volume over 110% year-over-year to approximately $2.9 billion, and adjusted net revenue rose 92% to $167 million with an adjusted EBITDA margin of 50%, versus 33% a year earlier. GAAP operating income of $58.8 million was up 628.82% against a small prior-year base, and GAAP net income was $45 million, including a $7 million option-exercise tax benefit, turning from a near-breakeven year-ago quarter. The capital-light Figure Connect marketplace reached 56% of volume, up from 54%, while the company added a record 80 partners, including regional depository Flagstar Bank. Management introduced its first-ever quarterly guidance, setting Q2 CLM volume at $3.8 billion to $4.1 billion, and net take rate held at 3.8% within the 3.5% to 4% range despite interest-rate volatility. Blockchain-ecosystem products including OPEN, Democratized Prime and YLDS continued to scale, with YLDS and Democratized Prime balances up roughly 80% quarter-over-quarter.
Revenue Growth | Competitive Dynamics | Demand | Margin | Guidance Reliability | Product Launch | Regulation Policy | Credit | |
|---|---|---|---|---|---|---|---|---|
| 2025Q3 | 5 | 6 | ||||||
| 2025Q4 | 5 | 2 | 3 | 1 | ||||
| 2026Q1 | 1 | 2 | 8 | 1 | 2 | 2 | 1 | 1 |
| '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|
| Revenue Growth | 5 | 5 | 1 |
| Competitive Dynamics | 6 | 2 | 2 |
| Demand | 8 | ||
| Margin | 3 | 1 | |
| Guidance Reliability | 1 | 2 | |
| Product Launch | 2 | ||
| Regulation Policy | 1 | ||
| Credit | 1 |
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2025 Q1 | $55M | -9.3% | $-0.00 | +97.2% | 14.6% | -1.5% |
| FY2025 Q2 | $95M | +52.9% | $0.07 | +103.5% | 29.2% | 31.5% |
| FY2025 Q3 | $135M | — | $0.17 | — | 39.1% | 66.4% |
| FY2025 Q4 |
| $223M |
| — |
| $0.06 |
| — |
| 29.1% |
| 6.8% |
| FY2026 Q1 | $167M | +201.4% | $0.18 | — | 35.2% | 26.9% |
| FY2026 Q2 | $188M | +98.0% | $0.35 | +400.0% | 51.6% | 46.5% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
FIGR Figure Technology Solutions, Inc. Class A Common Stock | 9 | +201.4% | |
| CRCL Circle Internet Group | 7 | +20.0% | |
| GS The Goldman Sachs Group, Inc. | 7 | +13.9% | |
| HOOD Robinhood Markets, Inc. | 8 | +15.1% | |
| MS Morgan Stanley | 9 | +18.8% | |
| RIOT Riot Platforms, Inc. | 6 | +3.6% | |
| RJF Raymond James Financial | 7 | +12.4% | |
| SCHW Charles Schwab Corporation | 9 | +9.8% |