{"filings":[{"id":96531,"accession_number":"0001883085-26-000027","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","5.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q1 GAAP net income $25M; CFO transition announced; FY guidance raised","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $25M (up $17M YoY), revenue $318M (+10%), Adjusted EBITDA $94M (+18%).","Network volume $2.6B (+9% YoY); FY GAAP net income guidance raised to $110-160M.","CFO Evangelos Perros steps down June 15; Chief Strategy Officer Jonathan Dobres named successor.","Onboarded 4 new partners YTD (Upstart, GLS, Sezzle, Flex Pay).","First AAA Fitch rating on $368M PAID resecuritization; $2.1B ABS funding raised in Q1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":317944000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110522,"accession_number":"0001883085-26-000010","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2026-02-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q4 GAAP net income $34M record; FY25 net income $81M; FY26 guidance issued","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025: GAAP net income $34M (up $272M YoY), adj. EBITDA $98M (+53%), revenue $335M (+20%), network volume $2.7B (+3%).","FY 2025: GAAP net income $81M (up $483M YoY), adj. EBITDA $371M (+76%), revenue $1.3B (+26%), network volume $10.5B (+9%).","Inaugural POS forward flow with Sound Point ($720M) and $350M PAID revolving ABS with 26North (up to $700M capacity).","Onboarded 3 new partners (Achieve, GLS, major BNPL provider); cut tail-risk tiers to limit credit exposure.","Q1'26 guidance: volume $2.5-2.7B, adj. EBITDA $80-95M, GAAP net income $15-35M. FY'26 guidance: volume $11.25-13B, adj. EBITDA $410-460M, net income $100-150M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":1301360000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110521,"accession_number":"0001883085-26-000004","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2026-01-13T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Pagaya repurchases $6.9M of 8.875% Senior Notes due 2030 at discount","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Repurchased ~$6.9M principal of 8.875% Senior Notes due 2030 since Dec 26, 2025 in open market.","Funded from balance sheet cash; cited significant discount to par as attractive use of capital.","Company may pursue additional limited open-market repurchases depending on market conditions and liquidity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127131,"accession_number":"0001883085-25-000204","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-12-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pagaya files S-3SAR to register warrant shares; recasts balance sheet","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["On Dec 5, 2025, Pagaya expects to file Form S-3SAR to register Class A shares for exercise of outstanding warrants from 2022 IPO.","Registration is not a new offering; fulfills obligations under a Registration Rights Agreement.","Exhibit 99.1 presents retrospective unclassified balance sheet for FY2024 and FY2023 (from 2024 10-K).","Filing does not update for any developments or risks since the 2024 10-K filed March 12, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127130,"accession_number":"0001883085-25-000191","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q3 net income $23M; raises FY25 guidance across all metrics","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $23M (vs guidance $10-20M), up $90M YoY; revenue $350M, up 36%.","Adjusted EBITDA $107M (up 91% YoY, vs guidance $90-100M); network volume $2.8B (+19%).","Raised $500M corporate debt with three credit ratings; expanded revolver to $132M at lower rate.","Inaugural $500M auto forward flow with Castlelake; second $300M POSH ABS closed in Nov.","FY25 guidance raised: rev $1.30-1.325B, adj EBITDA $372-382M, GAAP net income $72-82M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":966552000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127129,"accession_number":"0001883085-25-000187","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-10-02T23:59:59+00:00","items":["1.01","1.02","2.03","8.01","9.01"],"status":"ready","headline":"Pagaya expands revolver to $132M, slashes rate by 400 bps to SOFR+350","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $132M senior secured revolver replaces prior $58M facility; maturity October 2028.","Interest rate cut ~35%: from SOFR+750 to SOFR+350, below recent 8.875% bond coupon.","Backed by new lenders Wells Fargo, Citizens, TD Bank, Texas Capital; existing lenders increased commitments.","Facility cost of debt materially lower; CFO says strengthens balance sheet and positions for all cycles."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143924,"accession_number":"0001883085-25-000166","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya reports record Q2 net income $17M, raises FY2025 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record GAAP net income of $17M (up $91M YoY); adjusted EBITDA $86M (+72% YoY); revenue $326M (+30% YoY).","Q3 outlook: network volume $2.75B-$2.95B, revenue $330M-$350M, adjusted EBITDA $90M-$100M.","Raised FY2025 guidance: revenue $1.25B-$1.325B, adjusted EBITDA $345M-$370M, GAAP net income $55M-$75M.","Issued $500M senior unsecured notes at 8.875% due 2030; ~$40M annualized cash savings from refinancing.","First AAA-rated Auto ABS ($300M) and inaugural AAA-rated POSH ABS with $1B+ capacity over 12 months."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":616387000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.88,"calibrated_materiality_score":0.88,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143923,"accession_number":"0001883085-25-000157","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-07-28T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Pagaya closes upsized $500M 8.875% senior unsecured notes; 5x oversubscribed","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M 8.875% senior unsecured notes due 2030 closed; upsized from original offering size.","Net proceeds used to refinance existing higher-cost term loan and secured borrowings; cost of debt lowered ~200 bps.","Expects ~$40M annual cash flow savings: $30M reduced amortization and $12M interest expense reduction.","One of first fintechs to access high-yield unsecured debt markets; rated by S&P, Moody's, Fitch.","Generally flat net leverage maintained despite the refinancing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143922,"accession_number":"0001883085-25-000155","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pagaya prices upsized $500M 8.875% senior unsecured notes due 2030 to refinance debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering upsized to $500M from $450M; net proceeds est. ~$491M after discounts and expenses.","8.875% coupon payable semi-annually; notes mature August 1, 2030.","Proceeds to repay all existing credit facilities and ~$100M of secured borrowings; remainder for general corporate purposes.","Notes fully and unconditionally guaranteed on a senior unsecured basis by Pagaya and its guarantor subsidiaries.","Settlement scheduled for July 28, 2025, subject to customary closing conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143921,"accession_number":"0001883085-25-000151","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pagaya subsidiary to offer $450M unsecured senior notes due 2030 for refinancing","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Pagaya US intends to offer $450M unsecured senior notes due 2030 in a private offering.","Proceeds to repay all amounts outstanding under existing credit facilities and $75M of secured borrowings.","Notes to be guaranteed on a senior unsecured basis by Pagaya and certain subsidiaries.","Remaining proceeds used for general corporate purposes and related fees and expenses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143920,"accession_number":"0001883085-25-000140","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Pagaya prelim Q2 beats across all metrics; Net Income ~$17M vs $0-10M guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q2 revenue ~$326M, Network Volume ~$2.6B; both exceed top end of prior guidance.","GAAP Net Income estimated ~$17M, significantly above $0-10M range; Adjusted EBITDA ~$86M (upper end).","Company reiterates no equity or equity-linked issuance planned; focusing on balance sheet optimization.","As of Dec 31, 2025, Pagaya loses EGC status, becomes large accelerated filer; Section 16 applies Jan 1, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":616387000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162201,"accession_number":"0001883085-25-000100","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-06-11T23:59:59+00:00","items":[],"status":"ready","headline":"Pagaya shareholders re-elect all five director nominees at June 9 AGM","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Gal Krubiner, Avital Pardo, Yahav Yulzari, Alison Davis, Asheet Mehta each elected with >145M votes for.","Re-appointment of independent auditor (PricewaterhouseCoopers) approved with 158.2M for, 52K against.","Advisory say-on-pay proposal passed: 141.2M for, 5.1M against.","Framework for 2025 bonuses for CEO Gal Krubiner and other management directors approved.","All proposals carried with large majorities; no broker non-votes exceeded 11.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162200,"accession_number":"0001883085-25-000080","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q1 GAAP net income $8M, record EBITDA $80M; raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income of $8M, up $29M YoY, ahead of ($20M) to breakeven outlook; first profitable quarter.","Record adjusted EBITDA $80M (+100% YoY), record total revenue $290M (+18%).","Network volume $2.4B flat YoY (missed guidance due to SFR pullback); personal loan + auto ex-SFR grew 26%.","FRLPC $116M (+26%); FRLPC margin 4.8% (+100bps); core opEx/FRLPC at record low 38%.","Raises FY25 guidance: GAAP NI $10-45M, Adj. EBITDA $290-330M, Revenue $1.175-1.3B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":289989000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180201,"accession_number":"0001883085-25-000042","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Pagaya Technologies updates investor FAQs; no material changes disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Updated FAQs posted on Pagaya's investor relations website on March 3, 2025.","No specific changes or financial figures provided in the filing.","This is a routine Regulation FD disclosure without material content."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180200,"accession_number":"0001883085-25-000035","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2025-02-13T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Pagaya guides to GAAP profitability in Q2 2025; Q4 revenue $279M, EBITDA $64M beat","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 network volume $2.6B (high-end guidance), +9% YoY; full-year $9.7B +17%.","Q4 revenue $279M (above outlook $257-272M), +28% YoY; record FRLPC $117M, 4.5% of volume.","Q4 adjusted EBITDA $64M (above outlook $49-59M), +88% YoY; GAAP net loss $238M on non-cash impairments.","Investment portfolio marked down $156M; company says 2021-2023 vintages no longer material.","Guides to GAAP net income profitability in Q2 2025; FY25 GAAP net income ($10M)-$40M."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":1032248000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196998,"accession_number":"0001883085-24-000205","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Pagaya appoints two new independent directors; two directors resign","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Asheet Mehta (ex-McKinsey) and Alison Davis (ex-CFO Barclays Global Investors) join board as independent directors.","Both appointments effective December 19, 2024; they will receive standard non-employee director compensation.","Mircea Ungureanu and Nicole Torraco resign from board; no disagreement cited.","Torraco will remain on Advisory Board; Ungureanu served six years including transition from private to public company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196997,"accession_number":"0001883085-24-000202","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-12-12T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Pagaya shareholders approve board declassification and founder threshold amendment at AGM","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders approved phased declassification of board of directors (157.2M for, 46K against).","Amendment to executive employment provisions approved (110.6M for, 234K against).","Founder ownership threshold to avoid Class B-to-A conversion approved (19.4M for, 10.1M against).","Three Class II directors elected: Avi Zeevi, Dan Petrozzo, Tami Rosen.","Non-binding advisory vote on executive compensation approved (156.8M for), with future frequency set at 1 year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196996,"accession_number":"0001883085-24-000195","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-12-04T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Pagaya appoints Cory Vieira as Chief Accounting Officer effective Dec 2, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Cory Vieira appointed CAO effective Dec 2, 2024; previously CAO at BHG Financial (3 yrs), American Express (10 yrs), GE Capital, PwC.","Annual base salary $375,000; 2024 cash bonus at least $150,000 (subject to clawback if resigns within 1 year or terminated for cause).","One-time cash bonus of $20,000; equity grant to be determined by Compensation Committee.","Eligible for company's benefit plans; no family relationships or reportable transactions with officers/directors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196995,"accession_number":"0001883085-24-000180","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q3 revenue $257M (+21% YoY); adj EBITDA record $56M; net loss $67M; FY guidance updated","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Network volume $2.4B (+11% YoY), in line with outlook of $2.3B-$2.5B.","Record total revenue $257M (+21% YoY); FRLPC $100M record (4.3% of network volume).","Adjusted EBITDA record $56M (margin 21.8%), up from $28M YoY; GAAP operating income $22M.","Net loss attributable $67M vs $22M YoY, impacted by non-cash fair value adjustments and SBC.","FY24 outlook: network volume $9.5B-$9.7B; total revenue $1.01B-$1.025B; adj EBITDA $195M-$205M."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":752854000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196994,"accession_number":"0001883085-24-000173","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["3.02","8.01","9.01"],"status":"ready","headline":"Pagaya completes Theorem acquisition; issues up to 505,602 shares; expects 2025 accretion","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired 100% of Theorem Technology; combined credit fund platform exceeds $3B in AUM.","Initial consideration: up to 505,602 Pagaya Class A ordinary shares; potential contingent shares due in 2025.","Acquisition expected to be accretive in 2025; diversifies funding sources and improves capital efficiency.","Theorem founder Hugh Edmundson joins Pagaya team; fund investors gain access to Pagaya's 31-lender network.","Transaction strengthens Pagaya's AI-driven lending platform and institutional demand for consumer credit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196993,"accession_number":"0001883085-24-000147","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-10-01T23:59:59+00:00","items":["1.01","1.02","3.02","8.01"],"status":"ready","headline":"Pagaya issues $160M 6.125% exchangeable notes due 2029; refinances higher-cost debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $160M aggregate principal of 6.125% Exchangeable Senior Notes due 2029.","Net proceeds ~$128.1M (or $146.5M if option exercised fully) to repay higher-cost debt.","Expects to reduce cash interest expense by ~$30M and become cash flow positive annualized.","Exchange price of ~$13.99/share, representing ~45% premium over last reported sale price of $9.65.","Terminated B. Riley ordinary shares purchase agreement; B. Riley confirmed no securities held."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213279,"accession_number":"0001883085-24-000140","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-09-25T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Pagaya unit offers $125M exchangeable notes due 2029, plus $100M term loan, targeting ~$30M annual interest savings","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Pagaya US Holding Co. priced $125M in Exchangeable Senior Notes due 2029; underwriters have 13-day option for additional $18.75M.","Company obtained $100M incremental term loan due 2029; combined proceeds to refinance high-cost secured borrowings.","Refinancing expected to reduce annual cash interest expense by approximately $30 million.","Upon completion, Pagaya expects to be total cash flow positive on an annualized basis.","Notes are senior unsecured, guaranteed by Pagaya; interest rate and exchange terms to be set at pricing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213278,"accession_number":"0001883085-24-000122","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-09-16T23:59:59+00:00","items":["3.02"],"status":"ready","headline":"Pagaya grants warrants to Castlelake as consideration for forward flow funding","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to 1.2275% of fully diluted shares per month; maximum 2.5% on commitment upsizing.","Warrants have exercise price of $0.01 per share, 10-year term, immediately exercisable.","Issued in connection with Castlelake's monthly minimum funding of loans under forward flow arrangement.","Exempt from registration under Section 4(a)(2) of Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213277,"accession_number":"0001883085-24-000119","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-09-16T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Pagaya principal accounting officer Scott Bower resigns, Nam Woo Kim named interim","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Scott Bower resigns as principal accounting officer effective Sept 20, 2024 for a new opportunity, no disagreement with the Company.","Pagaya has launched a search for a successor and engaged a leading executive recruiting firm.","Nam Woo Kim, VP of Accounting and Financial Reporting, will serve as interim principal accounting officer.","Kim joined Pagaya in 2022; previously Director of SEC reporting at Blade and held roles at Prudential Financial; CPA and CFA charterholder.","No family relationships or transactions requiring disclosure; Kim's employment terms unchanged in interim role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213276,"accession_number":"0001883085-24-000086","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-08-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q2 revenue $250M record, adj. EBITDA $50M; raises full-year outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record total revenue $250M (+28% YoY), record FRLPC $97M (+49% YoY), record adj. EBITDA $50M (+194% YoY).","Network volume $2.3B (+19% YoY); FRLPC margin 4.2% (up 84 bps), target raised to 3.5-4.5%.","Signed $1B forward flow with Castlelake, new enterprise partnerships (OneMain, top 5 bank), AAA rating on ABS.","Full-year outlook raised: revenue $975M-$1,050M, adj. EBITDA $180M-$210M; on track for cash flow positive in 2025.","GAAP operating income $5M positive; adjusted net income $7M positive; core opex cut by $25M annualized."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":495620000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213275,"accession_number":"0001883085-24-000085","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-08-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pagaya and Castlelake agree on forward flow for up to $1B consumer loan purchases","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Castlelake to purchase up to $1 billion in consumer loans originated on Pagaya network, subject to terms and conditions.","Initial 12-month term with potential extension; loans acquired monthly after closing conditions satisfied.","Expands Pagaya's funding diversification beyond its ABS program; drives capital efficiency with minimal own capital use.","CFO says this is a core element of financial strategy; Castlelake partner notes attractive risk-adjusted exposure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213274,"accession_number":"0001628280-24-033358","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pagaya agrees to buy Theorem Technology, adds $3B in fund capital, expected close Q4 2024","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Pagaya to acquire 100% of Theorem Technology, a consumer credit funds manager, for undisclosed terms.","Combined fund management business expected to exceed $3 billion in capital; acquisition to close Q4 2024.","Acquisition expected to be accretive in 2025; provides Pagaya with funding diversification and capital efficiency.","Theorem's investors gain access to credit assets from Pagaya's network of 30 lenders with $180B quarterly application volume."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":232444,"accession_number":"0001628280-24-026963","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-06-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pagaya raises FY24 adj. EBITDA guidance to $160-200M, cites $25M cost savings","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Workforce reduction and other initiatives expected to reduce annual core operating expenses by ~$25M.","FY2024 Adjusted EBITDA guidance raised by $10M to $160M-$200M from prior $150M-$190M.","Full-year 2024 network volume and total revenue and other income outlook unchanged.","A portion of cost savings will be reinvested into key growth areas.","Full impact of cost savings expected to be realized in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":232443,"accession_number":"0001883085-24-000076","cik":1883085,"company_name":"Pagaya Technologies Ltd.","ticker":"PGY","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Pagaya Q1: record volume $2.42B, revenue $245M, adj. EBITDA $40M; POS partner Elavon","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Network volume $2.42B (+31% YoY), total revenue $245M (+31% YoY), both above guidance ranges.","Adjusted EBITDA record $40M (exceeded guidance $32-38M); GAAP operating income $8M, third consecutive positive quarter.","FRLPC $92M (+84% YoY), margin 3.8% (highest in 8 quarters); personal loan FRLPC margin 6.0%.","Raised $1.9B in funding across 5 transactions; added 18 new funding partners; executed $50M whole-loan sale with 1% risk retention.","Onboarding Elavon (US Bank subsidiary) for POS channel, set to go live in 2H2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":245276000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1131187060.194175,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}