---
schema_version: "secwatch.filing_event.v1"
accession: "0001883085-26-000052"
form_type: "8-K"
ticker: "PGY"
cik: "0001883085"
company_name: "Pagaya Technologies Ltd."
filed_at: "2026-07-30T11:04:03+00:00"
generated_at: "2026-07-30T11:05:31.550620+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Pagaya Q2 2026: Record net income $45M, revenue $387M, raises full-year guidance

## Summary
- Record GAAP net income of $45M (up $29M YoY); EPS $0.49; revenue $387M (+19% YoY).
- Record network volume $3.5B (+33% YoY); Auto annualized run-rate $4.8B.
- Record adjusted EBITDA $124M (+43% YoY); margin 32%.
- Raised full-year GAAP net income guidance to $155M-$180M.
- Record ABS funding of $3.7B across 6 transactions; investor network grew to 174.

## SEC filing metadata
- accession: 0001883085-26-000052
- form_type: 8-K
- ticker: PGY
- cik: 0001883085
- company_name: Pagaya Technologies Ltd.
- filed_at: 2026-07-30T11:04:03+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1883085/000188308526000052/0001883085-26-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1883085/000188308526000052/pgy-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001883085-26-000052
- JSON: https://secwatch.observer/filing/0001883085-26-000052.json
- Plain text: https://secwatch.observer/filing/0001883085-26-000052.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.