secwatch / observer

8-K filed February 9, 2026, 6:59 PM ET ticker PGY CIK 0001883085

earnings confidence high sentiment positive materiality 0.85

Pagaya Q4 GAAP net income $34M record; FY25 net income $81M; FY26 guidance issued

Pagaya Technologies Ltd.

2025-FY EPS reported $0.93 revenue$1,301,360,000

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.

item 2.02 item 7.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001883085-26-000010
form_type: 8-K
ticker: PGY
cik: 0001883085
company_name: Pagaya Technologies Ltd.
filed_at: 2026-02-09T23:59:59+00:00
discovered_at: 2026-05-14T18:02:36.671480+00:00
generated_at: 2026-05-16T03:56:50.256084+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/0001883085-26-000010
json_url: https://secwatch.observer/filing/0001883085-26-000010.json
markdown_url: https://secwatch.observer/filing/0001883085-26-000010.md
text_url: https://secwatch.observer/filing/0001883085-26-000010.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1883085/000188308526000010/0001883085-26-000010-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1883085/000188308526000010/pgy-20260209.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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