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, specifically focusing on consumer finance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and is closely watched by investors.

$0.17

Revenue Growth

Revenue growth will provide insight into the company's ability to expand its market share and attract new customers.

N/A

1 more metrics, 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, specifically focusing on consumer finance. The company is significant as it leverages technology to enhance financial services, which is increasingly important in today's digital economy.

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 estimates by 2.86%. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Continue to focus on improving customer acquisition strategies.
Enhance technology offerings to streamline financial services.
Maintain cost control measures to improve profitability.

Expectations

Wall Street Expectations

Overall, expectations are mixed as the company has shown a tendency to beat EPS estimates but has had varied stock reactions post-earnings.

Bull Case

If Figure can demonstrate strong revenue growth and maintain or improve its EPS, it could lead to a significant stock rally.

Bear Case

Conversely, if the company fails to meet expectations or shows signs of slowing growth, it could lead to a sharp decline in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.17

EPS is a key indicator of a company's profitability and is closely watched by investors.

Revenue Growth

N/A

Revenue growth will provide insight into the company's ability to expand its market share and attract new customers.

Customer Acquisition Costs

N/A

Understanding how much it costs to acquire new customers will help gauge the efficiency of marketing and sales strategies.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter, and how does it compare to the previous quarter's performance?

Given the company's recent history of beating EPS estimates, this will be a crucial indicator of ongoing profitability.

What insights can management provide on customer acquisition costs and revenue growth?

Understanding these metrics will help investors gauge the company's future growth potential and operational efficiency.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the potential for revenue growth driven by new technology offerings, which could significantly boost customer acquisition.

Supporting Evidence

The recent EPS beat indicates stronger-than-expected profitability.

Options pricing suggests a larger move than historical averages, indicating potential for significant market reaction.

Insider selling may reflect a strategic shift rather than a lack of confidence in future growth.

Key Risk

If customer acquisition costs decrease significantly, it could lead to higher revenue growth than currently anticipated.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on the company's ability to maintain profitability and manage growth effectively.

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

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 Figure beats expectations, history suggests the stock could rise around 4.2%, confirming a positive growth outlook.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

Should the company miss expectations, history suggests a potential decline of about 1.8%, raising concerns about future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new technology offerings that could enhance customer experience.
2Details on strategies to reduce customer acquisition costs.
3Management's outlook on revenue growth for the upcoming quarters.
4Insights into competitive positioning within the consumer finance sector.
5Any commentary on market trends affecting consumer finance.

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Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and is closely watched by investors.

$0.17

Revenue Growth

Revenue growth will provide insight into the company's ability to expand its market share and attract new customers.

N/A

1 more metrics, 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 estimates by 2.86%. The stock reacted positively, gaining 3.56% the following day.

Management Promises & Guidance

Continue to focus on improving customer acquisition strategies.
Enhance technology offerings to streamline financial services.
Maintain cost control measures to improve profitability.

Expectations

Wall Street Expectations

Overall, expectations are mixed as the company has shown a tendency to beat EPS estimates but has had varied stock reactions post-earnings.

Bull Case

If Figure can demonstrate strong revenue growth and maintain or improve its EPS, it could lead to a significant stock rally.

Bear Case

Conversely, if the company fails to meet expectations or shows signs of slowing growth, it could lead to a sharp decline in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.17

EPS is a key indicator of a company's profitability and is closely watched by investors.

Revenue Growth

N/A

Revenue growth will provide insight into the company's ability to expand its market share and attract new customers.

Customer Acquisition Costs

N/A

Understanding how much it costs to acquire new customers will help gauge the efficiency of marketing and sales strategies.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter, and how does it compare to the previous quarter's performance?

Given the company's recent history of beating EPS estimates, this will be a crucial indicator of ongoing profitability.

What insights can management provide on customer acquisition costs and revenue growth?

Understanding these metrics will help investors gauge the company's future growth potential and operational efficiency.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the potential for revenue growth driven by new technology offerings, which could significantly boost customer acquisition.

Supporting Evidence

The recent EPS beat indicates stronger-than-expected profitability.

Options pricing suggests a larger move than historical averages, indicating potential for significant market reaction.

Insider selling may reflect a strategic shift rather than a lack of confidence in future growth.

Key Risk

If customer acquisition costs decrease significantly, it could lead to higher revenue growth than currently anticipated.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on the company's ability to maintain profitability and manage growth effectively.

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

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 Figure beats expectations, history suggests the stock could rise around 4.2%, confirming a positive growth outlook.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

Should the company miss expectations, history suggests a potential decline of about 1.8%, raising concerns about future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new technology offerings that could enhance customer experience.
2Details on strategies to reduce customer acquisition costs.
3Management's outlook on revenue growth for the upcoming quarters.
4Insights into competitive positioning within the consumer finance sector.
5Any commentary on market trends affecting consumer finance.