Pagaya Technologies Ltd. (PGY)

NASDAQ: PGY · Real-Time Price · USD

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18.64

+1.99 (11.95%)

At close: Feb 6, 2026, 4:00 PM EST

19.60

+0.96 (5.18%)

After-hours: Feb 6, 2026, 7:59 PM EST

Pagaya Technologies Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Revenue	1,216	1,005	772.81	685.41	445.87	91.74
Other Revenue	29.97	27.7	39.24	63.51	28.72	7.27
Revenue	1,246	1,032	812.05	748.93	474.59	99.01
Revenue Growth (YoY)	28.33%	27.12%	8.43%	57.81%	379.33%	173.95%
Cost of Revenue	717.33	597.65	508.94	451.08	232.32	49.09
Gross Profit	528.62	434.6	303.11	297.84	242.26	49.93
Selling, General & Admin	233.93	287.09	253.12	398.42	181.86	16.34
Research & Development	74.74	76.57	74.38	150.93	66.21	12.33
Operating Expenses	308.67	363.66	327.51	549.35	248.07	28.67
Operating Income	219.95	70.94	-24.4	-251.51	-5.81	21.25
Other Non Operating Income (Expenses)	-486.65	-481.86	-156.77	-24.87	-55.84	-0.06
EBT Excluding Unusual Items	-266.7	-410.92	-181.17	-276.37	-61.65	21.2
Merger & Restructuring Charges	-4.1	-4.1	-	-	-	-
Other Unusual Items	-31.36	-6.1	-	-	-	-
Pretax Income	-210.99	-421.12	-181.17	-276.37	-61.65	21.2
Income Tax Expense	3.81	24.58	15.57	16.4	7.88	1.28
Earnings From Continuing Operations	-214.8	-445.7	-196.74	-292.77	-69.52	19.92
Minority Interest in Earnings	23.97	44.29	68.3	-9.55	-21.63	-5.45
Net Income	-190.83	-401.41	-128.44	-302.32	-91.15	14.47
Preferred Dividends & Other Adjustments	2.8	-	-	12.21	43.17	9.56
Net Income to Common	-193.63	-401.41	-128.44	-314.53	-134.32	4.91
Shares Outstanding (Basic)	76	71	60	38	16	16
Shares Outstanding (Diluted)	76	71	60	38	16	17
Shares Change (YoY)	13.23%	18.06%	56.95%	135.03%	-5.61%	8.22%
EPS (Basic)	-2.53	-5.66	-2.14	-8.22	-8.25	0.31
EPS (Diluted)	-2.53	-5.66	-2.14	-8.22	-8.25	0.27
Free Cash Flow	190.65	48.78	-10.61	-62.41	43.19	3.16
Free Cash Flow Per Share	2.49	0.69	-0.18	-1.63	2.65	0.18
Gross Margin	42.43%	42.10%	37.33%	39.77%	51.05%	50.42%
Operating Margin	17.65%	6.87%	-3.00%	-33.58%	-1.22%	21.47%
Profit Margin	-15.54%	-38.89%	-15.82%	-42.00%	-28.30%	4.96%
Free Cash Flow Margin	15.30%	4.73%	-1.31%	-8.33%	9.10%	3.19%
EBITDA	253.28	99.69	-5.27	-245.21	-4.99	21.54
EBITDA Margin	20.33%	9.66%	-0.65%	-32.74%	-1.05%	21.76%
D&A For EBITDA	33.33	28.75	19.13	6.29	0.82	0.29
EBIT	219.95	70.94	-24.4	-251.51	-5.81	21.25
EBIT Margin	17.65%	6.87%	-3.00%	-33.58%	-1.22%	21.47%
Effective Tax Rate	-	-	-	-	-	6.02%
Revenue as Reported	1,246	1,032	812.05	748.93	474.59	99.01

Updated Nov 10, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q