secwatch / observer

8-K filed November 10, 2025, 6:59 PM ET ticker PGY CIK 0001883085

earnings confidence high sentiment positive materiality 0.85

Pagaya Q3 net income $23M; raises FY25 guidance across all metrics

Pagaya Technologies Ltd.

2025-Q3 EPS reported $0.55 revenue$966,552,000

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.

item 2.02 item 7.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001883085-25-000191
form_type: 8-K
ticker: PGY
cik: 0001883085
company_name: Pagaya Technologies Ltd.
filed_at: 2025-11-10T23:59:59+00:00
discovered_at: 2026-05-14T18:02:40.976254+00:00
generated_at: 2026-05-16T22:38:28.245651+00:00
sec_items: ["2.02", "7.01", "9.01"]
event_type: earnings
sentiment: positive
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0001883085-25-000191
json_url: https://secwatch.observer/filing/0001883085-25-000191.json
markdown_url: https://secwatch.observer/filing/0001883085-25-000191.md
text_url: https://secwatch.observer/filing/0001883085-25-000191.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1883085/000188308525000191/0001883085-25-000191-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1883085/000188308525000191/pgy-20251110.htm
generated_by_model: deepseek-v4-flash:cloud@v2
review_status: machine_generated
human_reviewed: false
corrected: false
correction_note: null
correction_timestamp: null
superseded_by: null

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