Equity Profile

FIGR

Figure Technology Solutions, Inc.

FinancialsConsumer Finance$6.3B

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 solutions....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

N/A

Revenue Growth

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

N/A

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 solutions. With a market cap of $8 billion, the company plays a significant role in providing innovative financial services that cater to evolving consumer needs.

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 Technology Solutions reported an EPS of $0.18, slightly beating estimates. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations are mixed as analysts have no specific estimates available. Investors will be watching closely for any signs of growth or stability.

Bull Case

If the company can demonstrate strong revenue growth and maintain or exceed its EPS from the last quarter, it could signal a positive trend.

Bear Case

Conversely, if the company fails to meet expectations or shows signs of declining revenue, it could lead to a negative reaction in the stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure will be critical in determining whether the company is maintaining its profitability trend or facing challenges.

How does management plan to drive revenue growth in the upcoming quarters?

Understanding management's strategy for growth will be essential for assessing the company's future performance and investor confidence.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth based on recent consumer finance trends, which could positively impact FIGR's performance.

Supporting Evidence

The options market is pricing a 31.25% move, indicating higher volatility expectations than historical averages.

The recent EPS surprise of +2.86% suggests that the company may be on a positive trajectory.

Key Risk

If the EPS comes in below $0.15, it could significantly undermine the positive sentiment around the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether the company can sustain its recent performance or if it will face headwinds.

Bull Confirmed If

An EPS of $0.20 or higher would confirm the bull case, indicating strong profitability.

Bear Confirmed If

An EPS below $0.15 would confirm the bear case, suggesting potential issues with 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, indicating that investors are anticipating 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).

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$4.8M

135,680 sh

2 insiders

Net

$4.8M

Net selling

Most Active Insiders· 6 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If the company beats expectations, history suggests a potential stock increase of around 4.21%, confirming a positive outlook.

In-Line / Cautious

An in-line report could lead to a muted response, as investors await further clarity on future growth strategies.

Miss

If the company misses expectations, the stock could see a decline of approximately 1.79%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches or services that could drive revenue.
2Management's commentary on market conditions and consumer demand.
3Insights into cost management strategies and their impact on profitability.
4Details on customer acquisition and retention metrics.
5Any guidance on future earnings expectations or strategic initiatives.

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Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

N/A

Revenue Growth

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

N/A

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 Technology Solutions reported an EPS of $0.18, slightly beating estimates. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations are mixed as analysts have no specific estimates available. Investors will be watching closely for any signs of growth or stability.

Bull Case

If the company can demonstrate strong revenue growth and maintain or exceed its EPS from the last quarter, it could signal a positive trend.

Bear Case

Conversely, if the company fails to meet expectations or shows signs of declining revenue, it could lead to a negative reaction in the stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure will be critical in determining whether the company is maintaining its profitability trend or facing challenges.

How does management plan to drive revenue growth in the upcoming quarters?

Understanding management's strategy for growth will be essential for assessing the company's future performance and investor confidence.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth based on recent consumer finance trends, which could positively impact FIGR's performance.

Supporting Evidence

The options market is pricing a 31.25% move, indicating higher volatility expectations than historical averages.

The recent EPS surprise of +2.86% suggests that the company may be on a positive trajectory.

Key Risk

If the EPS comes in below $0.15, it could significantly undermine the positive sentiment around the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether the company can sustain its recent performance or if it will face headwinds.

Bull Confirmed If

An EPS of $0.20 or higher would confirm the bull case, indicating strong profitability.

Bear Confirmed If

An EPS below $0.15 would confirm the bear case, suggesting potential issues with 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, indicating that investors are anticipating 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%)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$4.8M

135,680 sh

2 insiders

Net

$4.8M

Net selling

Most Active Insiders· 6 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If the company beats expectations, history suggests a potential stock increase of around 4.21%, confirming a positive outlook.

In-Line / Cautious

An in-line report could lead to a muted response, as investors await further clarity on future growth strategies.

Miss

If the company misses expectations, the stock could see a decline of approximately 1.79%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches or services that could drive revenue.
2Management's commentary on market conditions and consumer demand.
3Insights into cost management strategies and their impact on profitability.
4Details on customer acquisition and retention metrics.
5Any guidance on future earnings expectations or strategic initiatives.