Equity Profile

FIGR

Figure Technology Solutions, Inc.

FinancialsConsumer Finance$6.6B

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 performance this quarter.

N/A

Revenue Growth

Revenue growth will provide insight into how well the company is capturing market share and responding to consumer demand.

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 $7 billion, the company plays a significant role in the evolving landscape of financial technology, which is increasingly influenced by consumer spending trends and digital solutions.

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 the estimate of $0.17. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations for Figure's upcoming earnings are mixed, with no analyst estimates available. Investors are keen to see if the company can maintain its recent positive momentum.

Bull Case

The optimistic view hinges on the potential for strong EPS growth and revenue increases, driven by favorable market conditions and consumer demand.

Bear Case

Conversely, the pessimistic outlook suggests that any negative surprises in earnings or revenue could lead to a significant decline in stock price, especially given the high implied volatility.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

EPS is a crucial measure of profitability and will heavily influence investor sentiment and stock performance.

How does the company expect revenue growth to trend this quarter?

Revenue growth is essential for assessing the company's market position and future prospects, especially in a competitive environment.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth driven by new consumer finance products that could outperform expectations.

Supporting Evidence

The recent positive EPS surprise indicates stronger-than-expected performance.

Options pricing suggests a significant move, which could reflect underlying confidence not captured in analyst estimates.

Key Risk

If revenue growth exceeds expectations, it could challenge the current cautious sentiment in the market.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core thesis revolves around whether Figure can sustain its earnings momentum and revenue growth in a challenging market.

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 support the bear case, suggesting potential struggles in 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 heightened uncertainty or expectations 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 by around 4.21%, confirming strong operational performance.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience a muted reaction as investors reassess growth prospects.

Miss

Should the company miss expectations, history indicates a potential decline of about 1.79%, reflecting disappointment among investors.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches in consumer finance.
2Management's outlook on consumer spending trends.
3Details on cost management strategies and their impact on margins.
4Insights into competitive positioning in the consumer finance sector.
5Any commentary on regulatory changes affecting the industry.

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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 performance this quarter.

N/A

Revenue Growth

Revenue growth will provide insight into how well the company is capturing market share and responding to consumer demand.

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 reported an EPS of $0.18, slightly beating the estimate of $0.17. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations for Figure's upcoming earnings are mixed, with no analyst estimates available. Investors are keen to see if the company can maintain its recent positive momentum.

Bull Case

The optimistic view hinges on the potential for strong EPS growth and revenue increases, driven by favorable market conditions and consumer demand.

Bear Case

Conversely, the pessimistic outlook suggests that any negative surprises in earnings or revenue could lead to a significant decline in stock price, especially given the high implied volatility.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

EPS is a crucial measure of profitability and will heavily influence investor sentiment and stock performance.

How does the company expect revenue growth to trend this quarter?

Revenue growth is essential for assessing the company's market position and future prospects, especially in a competitive environment.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for revenue growth driven by new consumer finance products that could outperform expectations.

Supporting Evidence

The recent positive EPS surprise indicates stronger-than-expected performance.

Options pricing suggests a significant move, which could reflect underlying confidence not captured in analyst estimates.

Key Risk

If revenue growth exceeds expectations, it could challenge the current cautious sentiment in the market.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core thesis revolves around whether Figure can sustain its earnings momentum and revenue growth in a challenging market.

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 support the bear case, suggesting potential struggles in 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 heightened uncertainty or expectations 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 by around 4.21%, confirming strong operational performance.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience a muted reaction as investors reassess growth prospects.

Miss

Should the company miss expectations, history indicates a potential decline of about 1.79%, reflecting disappointment among investors.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product launches in consumer finance.
2Management's outlook on consumer spending trends.
3Details on cost management strategies and their impact on margins.
4Insights into competitive positioning in the consumer finance sector.
5Any commentary on regulatory changes affecting the industry.