Equity Profile

FIGR

Figure Technology Solutions, Inc.

FinancialsConsumer Finance$7.2B

Aug13Thu

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

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

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$0.35

Revenue

Revenue figures will provide insight into the company's sales performance and overall growth trajectory.

$233M

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

FIGR Q2-2026 Earnings Preview

Context

Company Snapshot

Figure Technology Solutions, Inc. operates in the financial sector, focusing on consumer finance. With a market cap of $7 billion, the company is positioned to benefit from trends in digital finance and consumer lending.

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 Q1-2026, Figure reported an EPS of $0.18, slightly beating expectations. The stock reacted positively, gaining 3.56% the next day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Figure to report steady earnings and revenue this quarter, with a consensus EPS of $0.35 and revenue of $233 million.

Bull Case

If Figure exceeds expectations, it could indicate strong demand for its financial products and services, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet these estimates, it may raise concerns about its growth prospects and market position.

Key Metrics to Watch

EPS

$0.35

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$233M

Revenue figures will provide insight into the company's sales performance and overall growth trajectory.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.35?

A beat on EPS could signal strong operational performance and boost investor confidence.

What is the revenue outlook compared to the consensus of $233 million?

Revenue performance is crucial for assessing the company's growth and market demand.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth driven by new product offerings, which could exceed current expectations.

Supporting Evidence

The company has a history of beating EPS estimates, suggesting stronger operational performance than anticipated.

Options pricing indicates a larger expected move than historical averages, hinting at potential surprises.

Key Risk

If revenue comes in significantly above $233 million, it could shift the narrative towards stronger growth prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to navigate a competitive consumer finance landscape.

Bull Confirmed If

An EPS of $0.40 or higher would confirm strong demand and operational efficiency.

Bear Confirmed If

An EPS below $0.30 would indicate potential issues with growth and profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±31.2% while FIGR has averaged ±4.2% over the last 3 prints — setup is pricing rich.

Detail

ATM IV

0.8%

30d HV

67.4%

Calls (363K)P/C Ratio: 0.86Puts (218K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Figure beats expectations, history suggests the stock could rise, potentially confirming a positive growth outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future growth.

Miss

A miss could lead to a decline, with historical patterns suggesting a drop of around 1.79%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches and their expected impact on revenue.
2Management's commentary on market conditions and consumer demand.
3Insights into cost management and operational efficiency.
4Guidance on future quarters and any changes in strategy.
5Responses to analyst questions regarding competitive positioning.

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Company Snapshot

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

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$0.35

Revenue

Revenue figures will provide insight into the company's sales performance and overall growth trajectory.

$233M

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

FIGR Q2-2026 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 Q1-2026, Figure reported an EPS of $0.18, slightly beating expectations. The stock reacted positively, gaining 3.56% the next day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Figure to report steady earnings and revenue this quarter, with a consensus EPS of $0.35 and revenue of $233 million.

Bull Case

If Figure exceeds expectations, it could indicate strong demand for its financial products and services, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet these estimates, it may raise concerns about its growth prospects and market position.

Key Metrics to Watch

EPS

$0.35

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$233M

Revenue figures will provide insight into the company's sales performance and overall growth trajectory.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.35?

A beat on EPS could signal strong operational performance and boost investor confidence.

What is the revenue outlook compared to the consensus of $233 million?

Revenue performance is crucial for assessing the company's growth and market demand.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth driven by new product offerings, which could exceed current expectations.

Supporting Evidence

The company has a history of beating EPS estimates, suggesting stronger operational performance than anticipated.

Options pricing indicates a larger expected move than historical averages, hinting at potential surprises.

Key Risk

If revenue comes in significantly above $233 million, it could shift the narrative towards stronger growth prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to navigate a competitive consumer finance landscape.

Bull Confirmed If

An EPS of $0.40 or higher would confirm strong demand and operational efficiency.

Bear Confirmed If

An EPS below $0.30 would indicate potential issues with growth and profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±31.2% while FIGR has averaged ±4.2% over the last 3 prints — setup is pricing rich.

Detail

ATM IV

0.8%

30d HV

67.4%

Calls (363K)P/C Ratio: 0.86Puts (218K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Figure beats expectations, history suggests the stock could rise, potentially confirming a positive growth outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future growth.

Miss

A miss could lead to a decline, with historical patterns suggesting a drop of around 1.79%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches and their expected impact on revenue.
2Management's commentary on market conditions and consumer demand.
3Insights into cost management and operational efficiency.
4Guidance on future quarters and any changes in strategy.
5Responses to analyst questions regarding competitive positioning.