Pagaya Technologies Ltd. (PGY) Q4 2025 Earnings Call Transcript

Pagaya Technologies Ltd. (PGY) Q4 2025 Earnings Call Transcript

Seeking Alpha • 2 hours ago

Pagaya Reports Fourth Quarter and Full Year Ended 2025 Results

NEW YORK & TEL AVIV, Israel--(BUSINESS WIRE)--Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”, the “Company” or “we”), a global technology company delivering artificial intelligence infrastructure for the financial ecosystem, today announced financial results for the fourth quarter and full year ended 2025. For additional information, view Pagaya's fourth quarter 2025 letter to shareholders here. “Our fourth quarter and full-year results demonstrate, again, the benefits of years of work to pos.

Business Wire • 8 hours ago

Pagaya: Likely Q4 Beat To Drive A Re-Rating Beyond Deep-Value Levels

I expect Pagaya to beat analysts' revenue and EPS estimates when it reports Q4 earnings on February 9th. PGY's estimated network volume growth and operating leverage could help offset a potential sequential CNL rate expansion, in light of the higher NCOs reported by SoFi and Ally during Q4. I expect Pagaya to report YoY revenue and EPS growth of 25% and 138%, respectively, in FY 2026, driven by accelerated onboarding of 8 new partners and take rate expansion.

Seeking Alpha • Feb 6, 2026

Can Pagaya Scale Faster Using Its AI-Led Credit Platform?

PGY hits a 2025 inflection, with profitable quarters, a capital-light ABS model and a growing partner network driving scale.

Zacks Investment Research • Feb 6, 2026

KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2026-R1 and Pagaya AI Debt Trust 2026-R1

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to eight classes of notes issued by Pagaya AI Debt Grantor Trust 2026-R1 and Pagaya AI Debt Trust 2026-R1 (collectively “PAID 2026-R1”), an unsecured consumer loan ABS transaction. PAID 2026-R1 has initial hard credit enhancement levels of 47.00% for the Class A Notes to 5.85% for the Class E Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class E Notes), cash reserve accounts funded at cl.

Business Wire • Feb 5, 2026

Pagaya Launches 2026 Capital Markets Activity with $800M Consumer Loan ABS

NEW YORK--(BUSINESS WIRE)--Pagaya Technologies LTD. (NASDAQ: PGY) ("Pagaya" or “the Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of a $800 million AAA rated, personal loan ABS transaction (PAID 2026-1). A total of 32 unique investors participated in the personal loan securitization, with the majority returning from prior transactions. PAID 2026-1 garnered significant investor demand, allowing a 33% upsize.

Business Wire • Feb 4, 2026

Pagaya Technologies: Investor Misunderstanding Has Created A Launchpad

Pagaya Technologies Ltd. is deeply undervalued following a 44.6% selloff despite robust growth. PGY's business model is misunderstood; it is asset-light, B2B, and not as exposed to credit market cycles. Strong catalysts include expanding partnerships, rapid onboarding, and diversification into auto and POS lending, driving network volume and margin expansion.

Seeking Alpha • Feb 4, 2026

Should You Buy, Hold or Sell Pagaya Stock Ahead of Q4 Earnings?

PGY reports Q4 results on Feb. 9 as revenue growth, guidance and rising expenses shape whether investors should buy, hold or stay cautious.

Zacks Investment Research • Feb 3, 2026

Pagaya Technologies Ltd. (PGY) Rises Higher Than Market: Key Facts

Pagaya Technologies Ltd. (PGY) concluded the recent trading session at $19.73, signifying a +1.75% move from its prior day's close.

Zacks Investment Research • Feb 3, 2026

PGY vs. OMF: Which Stock Wins the Consumer Credit Battle?

Can Pagaya's AI-powered, capital-light platform outshine a traditional non-prime rival like OneMain on growth potential? Let us find out.

Zacks Investment Research • Jan 30, 2026