Symbols

PGY

Pagaya Technologies·NASDAQ

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PGY fundamentals

PGY Q4 2025 Earnings

Pagaya Technologies (PGY) released its earnings on Feb 9, 2026: revenue was 334.81M (YoY +19.83%), missed estimates; EPS was 0.36 (YoY +111.25%), beat estimates.

Revenue / YoY

334.81M

+19.83%

EPS / YoY

0.36

+111.25%

Report date

Feb 9, 2026

PGY Earnings Call Summary for Q4,2025

2025 Financial Triumph: $1.3B revenue (+26%), $81M GAAP net income, and $371M EBITDA, marking 4Q GAAP profitability.
Risk-Adjusted Growth: Reduced Q4 volume by $100-150M to avoid tail risks, guiding 2026 to $100-150M GAAP net income.
Strategic Expansion: New partners (Achieve, GLS) and product diversification (direct marketing engine) drive sustainable growth.
Funding Resilience: $2.9B ABS issuance in Q4, with $3B revolving capacity, despite broader market volatility.

Earnings

EPS

Revenue

Revenue & Expenses

PGY has released its 2025 Q4 earnings report, with revenue of 334.81M, reflecting a YoY change of 19.83%, and net profit of 29.04M, showing a YoY change of 111.29%. The Sankey diagram below clearly presents PGY's revenue sources and cost distribution.

Key Indicators

Pagaya Technologies (PGY) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Pagaya Technologies (PGY)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Pagaya Technologies (PGY)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Pagaya Technologies (PGY)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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