PGY
Pagaya Technologies·NASDAQ
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PGY fundamentals
Pagaya Technologies (PGY) released its earnings on Nov 10, 2025: revenue was 350.16M (YoY +36.25%), beat estimates; EPS was 1.02 (YoY +131.82%), beat estimates.
Revenue / YoY
350.16M
+36.25%
EPS / YoY
1.02
+131.82%
Report date
Nov 10, 2025
PGY Earnings Call Summary for Q3,2025
- Record Growth: Network volume $2.8B (+19% YoY), FRLPC $139M (+39% YoY), 31 partners on platform.
- Strong Profitability: GAAP net income $23M, 3rd straight profitable quarter; EBITDA $107M (+91% YoY).
- Credit Stability: Personal loans loss rates 35-40% below 2021 peaks; auto loans 50-65% below 2022 levels.
- Partnership Surge: 8 new partners in pipeline, highest ever onboarding queue; 30% of partners using multiproducts.
- Funding Diversification: 60% ABS, 40% forward flows; $500M senior notes reduce cost of capital by 200bps.
EPS
Revenue
Revenue & Expenses
PGY has released its 2025 Q3 earnings report, with revenue of 350.17M, reflecting a YoY change of 36.13%, and net profit of 23.27M, showing a YoY change of 131.35%. 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.
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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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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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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Where does Pagaya Technologies (PGY) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Pagaya Technologies (PGY) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is Pagaya Technologies's gross profit margin?What factors drove the changes in Pagaya Technologies's revenue and profit?What is the market's earnings forecast for Pagaya Technologies next quarter?What does Pagaya Technologies do and what are its main business segments?What is Pagaya Technologies's latest dividend and current dividend yield?What guidance did Pagaya Technologies's management provide for the next earnings period?What were the key takeaways from Pagaya Technologies's earnings call?What is the revenue and EPS growth rate for Pagaya Technologies year over year?
