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....

Key Metrics to Watch

Earnings Per Share (EPS)

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

N/A

Revenue Growth

Revenue growth reflects the company's ability to expand its customer base and increase sales, crucial for investor confidence.

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. With a market cap of $7 billion, the company plays a significant role in providing innovative financial solutions, which are increasingly important as consumer spending patterns evolve.

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

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 company continuing to beat EPS expectations, which could signal robust demand for its financial products.

Bear Case

On the flip side, if the company fails to meet expectations or shows signs of slowing growth, it could lead to a negative reaction from investors.

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?

Given the mixed performance in past quarters, a strong EPS could reinforce investor confidence, while a weak showing could raise concerns.

What is the company's outlook on revenue growth moving forward?

Revenue growth is critical for assessing the company's future prospects and overall health, especially in a competitive market.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for strong EPS growth due to improving consumer finance trends that could drive demand for Figure's services.

Supporting Evidence

The company's recent EPS beat suggests underlying strength that may not be fully reflected in current estimates.

Options pricing indicates a high expected move, suggesting that traders anticipate significant news or changes in sentiment.

Key Risk

If EPS comes in significantly above expectations, it could shift the narrative and lead to a re-evaluation of the company's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will be pivotal in determining whether Figure can sustain its growth trajectory amidst market uncertainties.

Bull Confirmed If

If EPS exceeds $0.18 with strong revenue growth, it would confirm the bullish outlook.

Bear Confirmed If

A significant drop in EPS or negative revenue growth would support the bearish case.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant move, suggesting that traders 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)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Figure beats expectations, history suggests the stock could see a positive reaction, potentially confirming a strong growth narrative.

In-Line / Cautious

If results are in line but management's commentary is cautious, the stock may remain volatile as investors reassess their outlook.

Miss

A miss on earnings could lead to a decline, with history indicating an average drop of around 1.79% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on consumer demand trends in financial services.
2Management's commentary on competitive positioning and market share.
3Insights into cost management and profitability strategies.
4Future guidance on revenue expectations for the next quarter.
5Any new product launches or innovations that could impact growth.

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Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

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

N/A

Revenue Growth

Revenue growth reflects the company's ability to expand its customer base and increase sales, crucial for investor confidence.

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 expectations. 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 company continuing to beat EPS expectations, which could signal robust demand for its financial products.

Bear Case

On the flip side, if the company fails to meet expectations or shows signs of slowing growth, it could lead to a negative reaction from investors.

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?

Given the mixed performance in past quarters, a strong EPS could reinforce investor confidence, while a weak showing could raise concerns.

What is the company's outlook on revenue growth moving forward?

Revenue growth is critical for assessing the company's future prospects and overall health, especially in a competitive market.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for strong EPS growth due to improving consumer finance trends that could drive demand for Figure's services.

Supporting Evidence

The company's recent EPS beat suggests underlying strength that may not be fully reflected in current estimates.

Options pricing indicates a high expected move, suggesting that traders anticipate significant news or changes in sentiment.

Key Risk

If EPS comes in significantly above expectations, it could shift the narrative and lead to a re-evaluation of the company's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will be pivotal in determining whether Figure can sustain its growth trajectory amidst market uncertainties.

Bull Confirmed If

If EPS exceeds $0.18 with strong revenue growth, it would confirm the bullish outlook.

Bear Confirmed If

A significant drop in EPS or negative revenue growth would support the bearish case.

Pre-Earnings Positioning

Options Market

Implied Move

±31.25%

Historical Avg

±4.2%

Pricing rich

The options market is pricing in a significant move, suggesting that traders 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)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Figure beats expectations, history suggests the stock could see a positive reaction, potentially confirming a strong growth narrative.

In-Line / Cautious

If results are in line but management's commentary is cautious, the stock may remain volatile as investors reassess their outlook.

Miss

A miss on earnings could lead to a decline, with history indicating an average drop of around 1.79% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on consumer demand trends in financial services.
2Management's commentary on competitive positioning and market share.
3Insights into cost management and profitability strategies.
4Future guidance on revenue expectations for the next quarter.
5Any new product launches or innovations that could impact growth.