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Pagaya Technologies Ltd (PGY)
NASDAQ:PGY
Earnings Data
Report Date
Nov 06, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.21Last Year’s EPS
-0.93Same Quarter Last Year
Strong Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Pagaya demonstrated strong financial and operational performance, achieving record revenue and net income, coupled with successful strategic initiatives like the corporate bond issuance. Despite some caution regarding macroeconomic conditions and one-time costs impacting future guidance, the company's growth and diversification efforts are robust.Company Guidance
Record-Breaking Financial Performance
Pagaya reported its second consecutive quarter of positive GAAP net income at a record high of $17 million and total revenues of $326 million, both record achievements. Adjusted EBITDA was $86 million, reflecting strong operational performance.
Successful Corporate Bond Issuance
Pagaya successfully raised $500 million through its first corporate bond issuance, reducing the cost of debt from approximately 11% to 9% and providing $12 million in expected annualized interest savings.
Growth in Diversified Segments
30% of originations now come from point-of-sale and auto lending, up from 9% a year ago. The company also expanded its forward flow capacity with Castlelake by $5 billion since the end of 2024.
Strong Funding and Credit Performance
Issued $2.3 billion in ABS program across 6 transactions, maintaining AAA ratings on personal loan ABS, and closed its first AAA-rated auto ABS transaction.
PGY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PGY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Aug 07, 2025 | $31.36 | $30.62 | -2.36% |
May 07, 2025 | $11.49 | $11.25 | -2.09% |
Feb 13, 2025 | $11.78 | $14.64 | +24.28% |
Nov 12, 2024 | $16.89 | $10.88 | -35.58% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Pagaya Technologies Ltd (PGY) report earnings?
Pagaya Technologies Ltd (PGY) is schdueled to report earning on Nov 06, 2025, Before Open (Confirmed).
What is Pagaya Technologies Ltd (PGY) earnings time?
Pagaya Technologies Ltd (PGY) earnings time is at Nov 06, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PGY EPS forecast?
PGY EPS forecast for the fiscal quarter 2025 (Q3) is 0.21.
