Equity Profile

FIGR

Figure Technology Solutions, Inc.

FinancialsConsumer Finance$6.6B

May11Mon

Post-Earnings Recap

ReportedQ1-2026After Close6:36 PM EDT

Figure Technology Solutions, Inc. Misses on EPS, Stock Up 3.56%

Metric	Actual	Expected	Surprise
EPS	$0.18	$0.23	+2.86%
Revenue	—	$159M	—

management commentary, guidance changes, and full analysis available with Pro.

Figure Technology Solutions, Inc. Misses on EPS, Stock Up 3.56%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$0.18	$0.23	+2.86%
Revenue	—	$159M	—

Management Commentary

Tone: Unknown

No transcript is on record, and the analysis is based on numerical results only.

What It Means

Figure Technology Solutions, Inc. reported earnings that missed expectations on EPS, which typically raises concerns about profitability. However, the stock rose by 3.56%, indicating that investors may be optimistic about other aspects of the business or future potential. The lack of revenue data and management commentary leaves some uncertainty about the company's performance and outlook.

Company Snapshot

Figure Technology Solutions, Inc. operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of a company's profitability and will indicate how well FIGR is managing its costs and generating profit.

N/A

Revenue Growth

Revenue growth is essential to assess the company's ability to expand its market share and attract more customers.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Figure Technology Solutions, Inc. operates in the financial sector, focusing on consumer finance. As a company with a market cap of $8 billion, it plays a significant role in providing financial solutions that cater to consumer needs, particularly in an evolving economic landscape influenced by changing consumer spending habits.

Earnings Scorecard·Last 3Q

EPS Beat Streak

EPS Beat Rate

67%

Avg EPS Surprise

+23.40%

Avg Stock Reaction

-1.84%

Last Quarter Recap

In the last quarter, FIGR reported an EPS of $0.06, which was significantly below the expected $0.13, resulting in a negative surprise of 52%. The stock reacted by declining 1.79% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations for FIGR are uncertain due to the lack of analyst estimates and mixed historical performance. Investors will be keen to see if the company can rebound from its recent earnings miss.

Bull Case

The optimistic view hinges on FIGR demonstrating strong revenue growth and improved customer acquisition efficiency, potentially leading to a positive earnings surprise.

Bear Case

Conversely, if FIGR fails to show significant improvement in profitability or revenue growth, it may face further declines in stock price, reflecting ongoing investor skepticism.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS for Q1-2026, and how does it compare to the previous quarter?

Given the significant EPS miss last quarter, investors will closely watch for any signs of recovery or further decline.

What are the current customer acquisition costs, and how do they impact revenue growth?

Understanding the efficiency of customer acquisition will be crucial for assessing FIGR's growth potential and overall financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating FIGR's potential for recovery, especially if it can demonstrate improved customer acquisition strategies that lead to better revenue growth.

Supporting Evidence

The options market is pricing a 14.2% move, suggesting traders expect significant volatility, which may indicate underlying confidence in a rebound.

Insider selling of $4.8 million could be interpreted as a lack of confidence, but it may also reflect personal financial decisions unrelated to company performance.

Key Risk

If EPS comes in below $0.05, it could reinforce negative perceptions and lead to further declines.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will indicate whether FIGR can recover from its previous earnings miss and demonstrate sustainable growth.

Bull Confirmed If

A revenue growth rate exceeding 10% year-over-year would confirm a bullish outlook.

Bear Confirmed If

If EPS falls below $0.05, it would validate concerns about profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±14.2%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant potential move of about 14.2%, indicating that traders expect volatility surrounding the earnings report.

Options are pricing ±14.5% while FIGR has averaged ±4.2% over the last 3 prints — setup is pricing rich.

Detail

ATM IV

1.7%

30d HV

72.3%

Calls (732K)P/C Ratio: 0.31Puts (337K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss setup in Financials

n=30

Fade rate: 8 of 24 (33%)

This setup has occurred 30 times across Financials in the last 2 years. 16 of 24 (67%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 2.0%, with a raw directional average of +0.1% (roughly flat historical bias).

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If FIGR beats expectations, history suggests the stock could see an average one-day move of +4.54%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations but management provides cautious commentary, the stock may react neutrally, reflecting uncertainty.

Miss

Should FIGR miss expectations again, the stock could decline by an average of -1.79%, reinforcing negative sentiment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Details on revenue growth and how it compares to previous quarters.
3Management's outlook on market conditions and consumer spending trends.
4Insights into cost management and profitability improvements.
5Any commentary on competitive positioning within the consumer finance sector.

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Company Snapshot

Figure Technology Solutions, Inc. operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of a company's profitability and will indicate how well FIGR is managing its costs and generating profit.

N/A

Revenue Growth

Revenue growth is essential to assess the company's ability to expand its market share and attract more customers.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 3Q

EPS Beat Streak

EPS Beat Rate

67%

Avg EPS Surprise

+23.40%

Avg Stock Reaction

-1.84%

Last Quarter Recap

In the last quarter, FIGR reported an EPS of $0.06, which was significantly below the expected $0.13, resulting in a negative surprise of 52%. The stock reacted by declining 1.79% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

The optimistic view hinges on FIGR demonstrating strong revenue growth and improved customer acquisition efficiency, potentially leading to a positive earnings surprise.

Bear Case

Conversely, if FIGR fails to show significant improvement in profitability or revenue growth, it may face further declines in stock price, reflecting ongoing investor skepticism.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS for Q1-2026, and how does it compare to the previous quarter?

Given the significant EPS miss last quarter, investors will closely watch for any signs of recovery or further decline.

What are the current customer acquisition costs, and how do they impact revenue growth?

Understanding the efficiency of customer acquisition will be crucial for assessing FIGR's growth potential and overall financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating FIGR's potential for recovery, especially if it can demonstrate improved customer acquisition strategies that lead to better revenue growth.

Supporting Evidence

The options market is pricing a 14.2% move, suggesting traders expect significant volatility, which may indicate underlying confidence in a rebound.

Insider selling of $4.8 million could be interpreted as a lack of confidence, but it may also reflect personal financial decisions unrelated to company performance.

Key Risk

If EPS comes in below $0.05, it could reinforce negative perceptions and lead to further declines.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will indicate whether FIGR can recover from its previous earnings miss and demonstrate sustainable growth.

Bull Confirmed If

A revenue growth rate exceeding 10% year-over-year would confirm a bullish outlook.

Bear Confirmed If

If EPS falls below $0.05, it would validate concerns about profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±14.2%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant potential move of about 14.2%, indicating that traders expect volatility surrounding the earnings report.

Options are pricing ±14.5% while FIGR has averaged ±4.2% over the last 3 prints — setup is pricing rich.

Detail

ATM IV

1.7%

30d HV

72.3%

Calls (732K)P/C Ratio: 0.31Puts (337K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss setup in Financials

n=30

Fade rate: 8 of 24 (33%)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If FIGR beats expectations, history suggests the stock could see an average one-day move of +4.54%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations but management provides cautious commentary, the stock may react neutrally, reflecting uncertainty.

Miss

Should FIGR miss expectations again, the stock could decline by an average of -1.79%, reinforcing negative sentiment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Details on revenue growth and how it compares to previous quarters.
3Management's outlook on market conditions and consumer spending trends.
4Insights into cost management and profitability improvements.
5Any commentary on competitive positioning within the consumer finance sector.