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 a company's profitability and financial health, which investors closely watch.

Expected to be around $0.18.

Revenue Growth

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

Not available.

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 that cater to consumer needs, especially in a rapidly changing economic environment.

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

Management Promises & Guidance

Focus on expanding consumer finance offerings.
Commitment to improving customer experience.

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Figure's upcoming earnings, especially after a slight EPS beat last quarter. However, the lack of revenue guidance raises concerns.

Bull Case

If Figure can continue to beat EPS expectations and show strong revenue growth, it could signal robust demand for its services.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it may lead to a significant sell-off.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $0.18.

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

Revenue Growth

Not available.

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

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

A strong EPS could indicate continued profitability and growth, while a miss could raise red flags.

Will there be any guidance on revenue growth?

Guidance on revenue is crucial for understanding the company's future performance and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for strong EPS growth based on recent consumer finance trends, which could drive better-than-expected results.

Supporting Evidence

The company has a history of surprising on EPS, with a 67% beat rate in recent quarters.

Options pricing suggests a significant move, indicating investor sentiment may be overly cautious.

Key Risk

If EPS comes in above $0.20, it could shift the narrative and validate bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it follows a mixed track record, and investors are keen to see if the company can maintain momentum.

Bull Confirmed If

An EPS of $0.20 or higher would confirm strong performance and investor confidence.

Bear Confirmed If

An EPS below $0.15 would raise concerns about the company's profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant move, indicating that investors 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 around 3.56%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may remain stable but could see cautious trading as investors await further guidance.

Miss

A miss could lead to a decline of around 1.79%, reflecting investor disappointment and concern over future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new consumer finance products being launched.
2Details on customer acquisition strategies and their effectiveness.
3Insights into market trends affecting consumer finance.
4Management's outlook on economic conditions impacting growth.
5Any commentary on competitive positioning in the consumer finance sector.

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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 a company's profitability and financial health, which investors closely watch.

Expected to be around $0.18.

Revenue Growth

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

Not available.

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

Management Promises & Guidance

Focus on expanding consumer finance offerings.
Commitment to improving customer experience.

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Figure's upcoming earnings, especially after a slight EPS beat last quarter. However, the lack of revenue guidance raises concerns.

Bull Case

If Figure can continue to beat EPS expectations and show strong revenue growth, it could signal robust demand for its services.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it may lead to a significant sell-off.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $0.18.

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

Revenue Growth

Not available.

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

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

A strong EPS could indicate continued profitability and growth, while a miss could raise red flags.

Will there be any guidance on revenue growth?

Guidance on revenue is crucial for understanding the company's future performance and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for strong EPS growth based on recent consumer finance trends, which could drive better-than-expected results.

Supporting Evidence

The company has a history of surprising on EPS, with a 67% beat rate in recent quarters.

Options pricing suggests a significant move, indicating investor sentiment may be overly cautious.

Key Risk

If EPS comes in above $0.20, it could shift the narrative and validate bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it follows a mixed track record, and investors are keen to see if the company can maintain momentum.

Bull Confirmed If

An EPS of $0.20 or higher would confirm strong performance and investor confidence.

Bear Confirmed If

An EPS below $0.15 would raise concerns about the company's profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant move, indicating that investors 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 around 3.56%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may remain stable but could see cautious trading as investors await further guidance.

Miss

A miss could lead to a decline of around 1.79%, reflecting investor disappointment and concern over future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new consumer finance products being launched.
2Details on customer acquisition strategies and their effectiveness.
3Insights into market trends affecting consumer finance.
4Management's outlook on economic conditions impacting growth.
5Any commentary on competitive positioning in the consumer finance sector.