PGY
Pagaya Technologies·NASDAQ
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PGY fundamentals
During Q4 2025, Pagaya Technologies (PGY) reported revenue of 334.81M, a YoY change of 19.83%. Net income was 29.04M, a YoY change of 111.29%. Click to view the full income statement and explore the company's earnings performance.
Income Statement
Q1,2021 | Q2,2021 | Q3,2021 | Q4,2021 | Q1,2022 | Q2,2022 | Q3,2022 | Q4,2022 | Q1,2023 | Q2,2023 | Q3,2023 | Q4,2023 | Q1,2024 | Q2,2024 | Q3,2024 | Q4,2024 | Q1,2025 | Q2,2025 | Q3,2025 | Q4,2025 | TTM |
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Start Date | Jan 1, 2021 | Apr 1, 2021 | Jul 1, 2021 | Oct 1, 2021 | Jan 1, 2022 | Apr 1, 2022 | Jul 1, 2022 | Oct 1, 2022 | Jan 1, 2023 | Apr 1, 2023 | Jul 1, 2023 | Oct 1, 2023 | Jan 1, 2024 | Apr 1, 2024 | Jul 1, 2024 | Oct 1, 2024 | Jan 1, 2025 | Apr 1, 2025 | Jul 1, 2025 | Oct 1, 2025 | -- |
End Date | Mar 31, 2021 | Jun 30, 2021 | Sep 30, 2021 | Dec 31, 2021 | Mar 31, 2022 | Jun 30, 2022 | Sep 30, 2022 | Dec 31, 2022 | Mar 31, 2023 | Jun 30, 2023 | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | -- |
Fiscal Year-End | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | -- |
Revenue | -- -- | 99.09M -- | 136.59M -- | 154.73M -- | 170.53M -- | 181.55M +83.22% | 203.96M +49.32% | 192.89M +24.66% | 186.64M +9.44% | 195.61M +7.75% | 211.76M +3.83% | 218.04M +13.04% | 245.28M +31.42% | 250.34M +27.98% | 257.23M +21.48% | 279.39M +28.14% | 289.99M +18.23% | 326.40M +30.38% | 350.17M +36.13% | 334.81M +19.83% | 1.30B -- |
Sales and Services Revenue | -- -- | 92.18M -- | 128.15M -- | 144.26M -- | 158.32M -- | 163.30M +77.16% | 185.61M +44.84% | 178.17M +23.51% | 175.25M +10.69% | 185.69M +13.71% | 201.45M +8.53% | 210.43M +18.10% | 237.00M +35.23% | 242.59M +30.65% | 249.28M +23.75% | 275.67M +31.00% | 282.70M +19.28% | 317.71M +30.97% | 339.89M +36.35% | 321.04M +16.46% | 1.26B -- |
Financing Services Revenue | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 39.24M -- | -- -- | -- -- | -- -- | 27.70M -29.41% | -- -- | -- -- | -- -- | 40.02M +44.48% | -- -- |
Other Revenue | -- -- | 6.91M -- | 8.44M -- | -18.25M -- | 12.21M -- | 18.25M +164.03% | 18.34M +117.28% | -48.80M -167.32% | 11.38M -6.76% | 9.93M -45.60% | -- -- | -- -- | -- -- | -- -- | 7.95M -- | -23.97M -- | -- -- | -- -- | 10.28M +29.27% | -26.25M -9.49% | -- -- |
Cost of Revenue | -- -- | 62.59M -- | 81.73M -- | 78.45M -- | 92.28M -- | 104.98M +67.72% | 129.12M +57.98% | 124.71M +58.97% | 125.06M +35.52% | 120.61M +14.89% | 128.79M -0.25% | 134.48M +7.84% | 144.88M +15.85% | 145.60M +20.72% | 148.97M +15.66% | 158.20M +17.64% | 167.08M +15.32% | 191.47M +31.50% | 200.57M +34.65% | 190.05M +20.13% | 749.17M -- |
Cost of Goods and Services | -- -- | -- -- | -- -- | 232.32M -- | -- -- | -- -- | -- -- | 451.08M +94.16% | -- -- | -- -- | 128.79M -- | 134.48M -70.19% | 144.88M -- | 145.60M -- | 148.97M +15.66% | 158.20M +17.64% | 167.08M +15.32% | 191.47M +31.50% | 200.57M +34.65% | 190.05M +20.13% | 749.17M -- |
Gross Profit | -- -- | 36.50M -- | 54.86M -- | 75.19M -- | 78.25M -- | 76.57M +109.79% | 74.84M +36.42% | 4.67M -93.79% | 61.58M -21.31% | 75.00M -2.05% | 72.66M -2.92% | 115.18M +2368.03% | 92.12M +49.60% | 96.99M +29.32% | 108.27M +49.02% | 121.19M +5.22% | 115.62M +25.51% | 126.25M +30.16% | 149.59M +38.17% | 144.76M +19.45% | 536.22M -- |
Operating Expenses | 92.74K -- | 26.13M -- | 40.05M -- | 106.10M -- | 88.27M +95079.87% | 227.19M +769.54% | 139.01M +247.06% | 94.88M -10.57% | 86.56M -1.94% | 85.24M -62.48% | 82.80M -40.43% | 72.91M -23.15% | 92.70M +7.10% | 99.72M +16.99% | 85.89M +3.72% | 89.45M +22.69% | 75.22M -18.86% | 78.46M -21.31% | 69.63M -18.92% | 65.05M -27.28% | 288.36M -- |
Selling, General and Administrative Expenses | -- -- | 17.57M -- | 28.12M -- | 91.23M -- | 64.64M -- | 162.08M +822.71% | 100.37M +256.91% | 71.32M -21.82% | 65.43M +1.22% | 67.57M -58.31% | 64.76M -35.47% | 55.36M -22.38% | 73.33M +12.07% | 77.78M +15.10% | 69.23M +6.90% | 70.85M +27.98% | 55.78M -23.93% | 60.01M -22.85% | 51.40M -25.76% | 45.97M -35.12% | 213.15M -- |
Selling and Marketing Expenses | -- -- | -- -- | -- -- | 49.63M -- | -- -- | -- -- | -- -- | 104.20M +109.97% | -- -- | -- -- | 11.34M -- | 9.58M -90.81% | 10.26M -- | 13.33M -- | 11.44M +0.89% | 15.38M +60.57% | 9.59M -6.46% | 19.66M +47.48% | 14.45M +26.34% | 9.88M -35.72% | 53.59M -- |
General and Administrative Expenses | -- -- | -- -- | -- -- | 132.24M -- | -- -- | -- -- | -- -- | 294.21M +122.49% | -- -- | -- -- | 53.42M -- | 45.78M -84.44% | 63.07M -- | 64.45M -- | 57.79M +8.17% | 55.47M +21.16% | 46.18M -26.77% | 40.35M -37.39% | 36.94M -36.07% | 36.08M -34.95% | 159.56M -- |
Research and Development Expenses | -- -- | 8.56M -- | 11.93M -- | 14.87M -- | 23.63M -- | 65.11M +660.45% | 38.64M +223.86% | 23.55M +58.43% | 21.13M -10.56% | 17.66M -72.87% | 18.04M -53.32% | 17.55M -25.49% | 19.38M -8.29% | 21.93M +24.19% | 16.66M -7.67% | 18.60M +5.99% | 19.44M +0.33% | 18.45M -15.87% | 18.24M +9.49% | 19.08M +2.56% | 75.21M -- |
Other Operating Expenses | 92.74K -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Operating Income | -92.74K -- | 10.37M -- | 14.80M -- | -30.91M -- | -10.01M -10696.24% | -150.62M -1552.50% | -64.17M -533.45% | -90.21M -191.87% | -24.98M -149.46% | -10.24M +93.20% | -10.15M +84.19% | 42.27M +146.86% | -582.00K +97.67% | -2.72M +73.40% | 22.38M +320.58% | 31.74M -24.92% | 40.40M +7041.58% | 47.78M +1854.87% | 79.96M +257.21% | 79.72M +151.16% | 247.86M -- |
Non-Operating Income (Loss) | 7.39M -- | -9.20M -- | -32.77M -- | 24.42M -- | 313.00K -95.77% | 6.30M +168.49% | 3.23M +109.87% | 28.80M +17.92% | -66.98M -21499.36% | -16.89M -368.17% | -36.95M -1242.90% | -57.25M -298.81% | -26.08M +61.07% | -65.44M -287.36% | -108.14M -192.66% | -272.28M -375.57% | -40.45M -55.11% | -26.24M +59.90% | -71.89M +33.52% | -57.65M +78.83% | -196.23M -- |
Income (Loss) from Affiliates | -- -- | -- -- | -- -- | -155.00K -- | -- -- | -- -- | -- -- | 5.76M +3813.55% | -- -- | -- -- | -65.00K -- | -656.00K -111.40% | 528.00K -- | -443.00K -- | -- -- | -- -- | -391.00K -174.05% | -2.06M -363.88% | -- -- | -- -- | -- -- |
Gain (Loss) on Other Investment | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -131.31M -- | -- -- | -- -- | -77.59M -- | -250.15M -90.50% | -- -- | -- -- | -19.56M +74.80% | -44.20M +82.33% | -- -- |
Other Non-Operating Income (Loss) | 7.38M -- | -9.20M -- | -32.77M -- | -4.30M -- | 313.00K -95.76% | 6.30M +168.49% | 3.23M +109.87% | -34.72M -707.33% | -66.98M -21499.36% | -16.89M -368.17% | -47.26M -1561.80% | 105.68M +404.43% | -34.35M +48.72% | -73.19M -333.23% | -30.55M +35.37% | -22.13M -120.94% | -47.73M -38.96% | -34.93M +52.28% | -52.34M -71.35% | -13.45M +39.23% | -148.45M -- |
Net Interest Expense | -10.64K -- | -- -- | -- -- | -28.88M -- | -- -- | -- -- | -- -- | -57.76M -100.01% | -- -- | -- -- | -10.38M -- | 30.96M +153.61% | -7.74M -- | -8.19M -- | -- -- | -- -- | -7.68M +0.88% | -10.74M -31.08% | -- -- | -- -- | -- -- |
Interest Income | 10.64K -- | -- -- | -- -- | 28.88M -- | -- -- | -- -- | -- -- | 57.76M +100.01% | -- -- | -- -- | 10.38M -- | -30.96M -153.61% | 7.74M -- | 8.19M -- | -- -- | -- -- | 7.68M -0.88% | 10.74M +31.08% | -- -- | -- -- | -- -- |
Pretax Income From Continuing Operations | 7.30M -- | 1.17M -- | -17.96M -- | -6.49M -- | -9.70M -232.83% | -144.32M -12414.33% | -60.94M -239.25% | -61.41M -846.84% | -91.96M -848.10% | -27.13M +81.20% | -47.10M +22.71% | -14.98M +75.61% | -26.66M +71.01% | -68.17M -151.23% | -85.75M -82.08% | -240.54M -1505.64% | -48.00K +99.82% | 21.54M +131.60% | 8.06M +109.40% | 22.07M +109.17% | 51.63M -- |
Income Tax Expense | -- -- | 1.63M -- | 3.62M -- | -3.54M -- | -186.00K -- | 19.73M +1112.35% | 6.07M +67.36% | -9.20M -159.85% | 6.67M +3684.41% | 5.01M -74.62% | -1.16M -119.09% | 5.06M +154.93% | 5.00M -24.96% | 14.51M +189.89% | -11.52M -895.16% | 16.59M +228.03% | -2.54M -150.77% | 4.98M -65.70% | -15.21M -31.99% | -6.97M -142.04% | -19.75M -- |
Current Income Tax | -- -- | -- -- | -- -- | 11.23M -- | -- -- | -- -- | -- -- | 10.17M -9.43% | -- -- | -- -- | -- -- | 17.19M +69.07% | -- -- | -- -- | -- -- | 24.49M +42.46% | -- -- | -- -- | -- -- | -19.56M -179.84% | -- -- |
Deferred Income Tax | -- -- | -- -- | -- -- | -3.35M -- | -- -- | -- -- | -- -- | 6.23M +285.75% | -- -- | -- -- | -- -- | -1.62M -126.05% | -- -- | -- -- | -- -- | 82.00K +105.05% | -- -- | -- -- | -- -- | -189.00K -330.49% | -- -- |
Net Income | 7.30M -- | -455.00K -- | -21.59M -- | -2.94M -- | -9.51M -230.28% | -164.05M -35954.73% | -67.00M -210.39% | -52.21M -1673.37% | -98.62M -936.72% | -32.14M +80.41% | -45.94M +31.44% | -20.04M +61.62% | -31.66M +67.90% | -82.68M -157.25% | -74.23M -61.58% | -257.13M -1183.26% | 2.49M +107.87% | 16.56M +120.03% | 23.27M +131.35% | 29.04M +111.29% | 71.37M -- |
Net Income Attributable to Minority Interests | -- -- | 5.42M -- | 6.57M -- | 7.51M -- | 8.76M -- | 11.21M +106.92% | 7.79M +18.49% | -18.21M -342.41% | -37.65M -529.87% | -842.00K -107.51% | -24.19M -410.70% | -5.62M +69.14% | -10.44M +72.28% | -7.89M -837.53% | -6.75M +72.07% | -19.20M -241.77% | -5.40M +48.26% | -92.00K +98.83% | 728.00K +110.78% | -5.25M +72.64% | -10.02M -- |
Net Income Attributable to Owners of the Company | 7.30M -- | -5.87M -- | -28.16M -- | -10.46M -- | -18.27M -350.23% | -175.26M -2883.69% | -74.79M -165.61% | -34.00M -225.15% | -60.97M -233.69% | -31.30M +82.14% | -21.75M +70.92% | -14.42M +57.59% | -21.22M +65.19% | -74.78M -138.95% | -67.48M -210.21% | -237.92M -1550.17% | 7.89M +137.19% | 16.66M +122.27% | 22.55M +133.41% | 34.30M +114.41% | 81.39M -- |
Preferred Stock Dividends | -- -- | -- -- | 3.15M -- | -13.49M -- | 5.98M -- | -- -- | -- -- | -12.21M +9.55% | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 0 -- | 0 -- | -- -- | -- -- | 1.26M -- | -2.80M -- | -- -- |
Other Adjustments | -- -- | -- -- | -- -- | 19.56M -- | -- -- | -- -- | -- -- | 12.21M -37.60% | -- -- | -- -- | -- -- | -- -- | 0 -- | 0 -- | -- -- | -- -- | 489.00K -- | 1.02M -- | -- -- | 4.11M -- | -- -- |
Net Income Attributable to Common Stockholders | 7.30M -- | -5.87M -- | -31.31M -- | -16.52M -- | -24.26M -432.19% | -175.26M -2883.69% | -74.79M -138.87% | -34.00M -105.80% | -60.97M -151.36% | -31.30M +82.14% | -21.75M +70.92% | -14.42M +57.59% | -21.22M +65.19% | -74.78M -138.95% | -67.48M -210.21% | -237.92M -1550.17% | 7.40M +134.89% | 15.64M +120.91% | 21.29M +131.55% | 32.99M +113.87% | 77.32M -- |
Other Comprehensive Income | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 15.79M -- | 7.04M -- | 5.08M -- | -19.91M -- | -21.53M -236.34% | -45.56M -747.66% | -19.18M -477.24% | 73.52M +469.22% | -15.78M +26.69% | -5.71M +87.47% | -13.09M +31.76% | -6.19M -108.42% | -40.77M -- |
Total Comprehensive Income | -- -- | -- -- | -- -- | -- -- | -9.51M -- | -- -- | -- -- | -- -- | -82.83M -770.71% | -25.10M -- | -40.86M -- | -39.95M -- | -53.19M +35.78% | -128.24M -410.84% | -93.41M -128.63% | -183.61M -359.60% | -13.29M +75.01% | 10.86M +108.46% | 10.19M +110.90% | 22.85M +112.45% | 30.60M -- |
Total Comprehensive Income Attributable to Minority Interests | -- -- | -- -- | -- -- | 21.63M -- | -- -- | -- -- | -- -- | 8.14M -62.37% | -21.31M -- | 2.97M -- | -21.13M -- | -21.99M -370.21% | -7.25M +66.00% | -6.69M -325.04% | -6.55M +68.99% | -24.63M -12.00% | -5.30M +26.82% | -105.00K +98.43% | -135.00K +97.94% | -8.42M +65.83% | -13.96M -- |
Total Comprehensive Income Attributable to Owners of the Company | -- -- | -- -- | -- -- | -91.15M -- | -9.51M -- | -- -- | -- -- | -303.03M -232.45% | -61.52M -546.66% | -28.07M -- | -19.73M -- | -17.96M +94.07% | -45.95M +25.31% | -121.56M -332.97% | -86.86M -340.23% | -158.98M -785.23% | -7.99M +82.61% | 10.96M +109.02% | 10.32M +111.88% | 31.27M +119.67% | 44.56M -- |
Basic EPS | 0.44 -- | -0.01 -- | -0.16 -- | -0.08 -- | -0.12 -127.27% | -0.71 -7000.00% | -0.11 +31.25% | -0.05 +37.50% | -1.03 -758.33% | -0.53 +25.35% | -0.36 -227.27% | -0.02 +60.00% | -0.33 +67.96% | -1.04 -96.23% | -0.93 -158.33% | -3.22 -16000.00% | 0.1 +130.30% | 0.2 +119.23% | 0.27 +129.03% | 0.4 +112.42% | 0.97 -- |
Basic EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -0.36 -- | -- -- | -0.33 -- | -1.04 -- | -0.93 -158.33% | -- -- | 0.1 +130.30% | 0.2 +119.23% | 0.27 +129.03% | -- -- | -- -- |
Diluted EPS | 0.44 -- | -0.01 -- | -0.16 -- | -0.08 -- | -0.12 -127.27% | -0.71 -7000.00% | -0.11 +31.25% | -0.05 +37.50% | -1.03 -758.33% | -0.53 +25.35% | -0.36 -227.27% | -- -- | -0.33 +67.96% | -1.04 -96.23% | -0.93 -158.33% | -- -- | 0.1 +130.30% | 0.2 +119.23% | 0.23 +124.73% | -- -- | -- -- |
Diluted EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -0.36 -- | -- -- | -0.33 -- | -1.04 -- | -0.93 -158.33% | -- -- | 0.1 +130.30% | 0.2 +119.23% | 0.23 +124.73% | -- -- | -- -- |
You can ask Aime
Did Pagaya Technologies beat or miss consensus estimates last quarter?What is Pagaya Technologies's latest dividend and current dividend yield?What is the market's earnings forecast for Pagaya Technologies next quarter?What is Pagaya Technologies's gross profit margin?What does Pagaya Technologies do and what are its main business segments?What is the revenue and EPS growth rate for Pagaya Technologies year over year?What guidance did Pagaya Technologies's management provide for the next earnings period?What factors drove the changes in Pagaya Technologies's revenue and profit?
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