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 solutions....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of the company's profitability and will show how well it has performed relative to analyst expectations.

$0.35

Revenue

Revenue figures will provide insight into the company's sales performance and growth trajectory, which is crucial for assessing overall business health.

$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 solutions. With a market cap of $7 billion, the company plays a significant role in providing innovative financial services, which are increasingly important as consumers seek flexible financing options.

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 following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are expecting a steady performance from Figure, with a consensus EPS of $0.35 and revenue of $233 million. The market is keen to see if the company can maintain its growth momentum.

Bull Case

If Figure exceeds the EPS and revenue estimates, it could signal strong operational efficiency and growing market demand, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations, it may raise concerns about its growth prospects, leading to a negative market reaction.

Key Metrics to Watch

EPS

$0.35

Earnings per share is a key indicator of the company's profitability and will show how well it has performed relative to analyst expectations.

Revenue

$233M

Revenue figures will provide insight into the company's sales performance and growth trajectory, which is crucial for assessing overall business health.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed $0.35?

This is crucial as it will indicate whether the company is maintaining its profitability amidst market challenges.

What is the outlook for revenue growth compared to the $233M consensus?

Understanding revenue growth will help gauge the company's ability to attract and retain customers in a competitive landscape.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate the impact of recent consumer trends favoring digital finance solutions, which could drive higher-than-expected revenue growth.

Supporting Evidence

The options market is pricing a 31.25% move, indicating significant expectations that may not align with historical performance.

The company's prior quarter beat suggests a potential for continued positive surprises.

Key Risk

If revenue growth exceeds $250M, it could challenge the current cautious outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect how well Figure is navigating the consumer finance landscape.

Bull Confirmed If

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

Bear Confirmed If

An EPS below $0.30 would raise concerns about profitability and growth potential.

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 anticipation 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, confirming strong demand and operational efficiency.

In-Line / Cautious

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

Miss

If the company misses estimates, the average historical reaction indicates a potential decline in stock value.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new consumer finance products or services.
2Insights into customer acquisition strategies and their effectiveness.
3Management's commentary on competitive pressures in the consumer finance space.
4Details on operational efficiencies and cost management initiatives.
5Guidance on future revenue expectations and market conditions.

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Company Snapshot

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

Key Metrics to Watch

EPS

Earnings per share is a key indicator of the company's profitability and will show how well it has performed relative to analyst expectations.

$0.35

Revenue

Revenue figures will provide insight into the company's sales performance and growth trajectory, which is crucial for assessing overall business health.

$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 following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are expecting a steady performance from Figure, with a consensus EPS of $0.35 and revenue of $233 million. The market is keen to see if the company can maintain its growth momentum.

Bull Case

If Figure exceeds the EPS and revenue estimates, it could signal strong operational efficiency and growing market demand, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations, it may raise concerns about its growth prospects, leading to a negative market reaction.

Key Metrics to Watch

EPS

$0.35

Earnings per share is a key indicator of the company's profitability and will show how well it has performed relative to analyst expectations.

Revenue

$233M

Revenue figures will provide insight into the company's sales performance and growth trajectory, which is crucial for assessing overall business health.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed $0.35?

This is crucial as it will indicate whether the company is maintaining its profitability amidst market challenges.

What is the outlook for revenue growth compared to the $233M consensus?

Understanding revenue growth will help gauge the company's ability to attract and retain customers in a competitive landscape.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate the impact of recent consumer trends favoring digital finance solutions, which could drive higher-than-expected revenue growth.

Supporting Evidence

The options market is pricing a 31.25% move, indicating significant expectations that may not align with historical performance.

The company's prior quarter beat suggests a potential for continued positive surprises.

Key Risk

If revenue growth exceeds $250M, it could challenge the current cautious outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect how well Figure is navigating the consumer finance landscape.

Bull Confirmed If

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

Bear Confirmed If

An EPS below $0.30 would raise concerns about profitability and growth potential.

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 anticipation 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, confirming strong demand and operational efficiency.

In-Line / Cautious

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

Miss

If the company misses estimates, the average historical reaction indicates a potential decline in stock value.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new consumer finance products or services.
2Insights into customer acquisition strategies and their effectiveness.
3Management's commentary on competitive pressures in the consumer finance space.
4Details on operational efficiencies and cost management initiatives.
5Guidance on future revenue expectations and market conditions.