NASDAQ$PGY
Pagaya Technologies Ltd · Q3 2025 earnings
Q3 2025 earnings · · Before market open · Investor relations
Briefing
Pagaya reported Q3 2025 revenue from fees of $339.9M with net income attributable to Pagaya of $22.5M.
Third-quarter revenue from fees and total revenue and other income rose 36% to roughly $350 million on higher network volume and interest income. Net income attributable to Pagaya was $22.5 million versus a $67.5 million loss a year ago as credit performance and scale improved.
- Q3 revenue from fees $339.9M.
- Net income attributable to Pagaya $22.5M.
- AI credit and lending network volumes expanded.
- Funding partners and ABS market access remain key enablers.
Headline financials
Revenue & EPS history
Pagaya · Revenue · Quarterly
$350M
Forward guidance
Management discusses Pagaya Technologies's outlook, capital deployment, and key risks as disclosed in the earnings materials and periodic report.
Tailwinds
- Pagaya Technologies cited progress on strategic priorities in the quarterly filing.
- Liquidity and balance sheet support continued operations and investment.
Headwinds
- Macro, competitive, and regulatory factors may affect near-term results.
- R&D, credit, or project timing can create quarter-to-quarter volatility.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
-0.4%
Avg return
Earnings day
-2.8%
Avg return
5 days after
-8.5%
Avg return
30 days after
45%
9 / 20 earnings
Positive
+24.3%
Q4 2024
Best reaction
-39.7%
Q3 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +3.3% | -8.9% | -1.8% | |
| Q4 2025 | -23.9% | -33.3% | -38.4% | |
| Q3 2025 | +12.7% | -2.2% | +1.0% | |
| Q1 2025 | -2.4% | +33.6% | +52.4% | |
| Q4 2024 | +24.3% | +43.9% | -10.4% | |
| Q3 2024 | -39.7% | -47.8% | -43.9% | |
| Q2 2024 | -21.5% | -18.8% | -18.7% | |
| Q1 2024 | +20.8% | +16.8% | +17.6% | |
| Q4 2023 | +15.4% | +15.4% | -34.4% | |
| Q3 2023 | +9.3% | +4.7% | +14.0% | |
| Q2 2023 | +9.1% | -9.5% | -7.4% | |
| Q1 2023 | -7.2% | -4.6% | +25.8% | |
| Q4 2020 | -2.6% | -9.3% | -3.1% | |
| Q4 2021 | -2.6% | -9.3% | -3.1% | |
| Q4 2022 | -3.7% | -8.2% | -26.1% | |
| Q3 2022 | +10.2% | +0.0% | -42.5% | |
| Q2 2022 | -9.0% | -17.6% | -51.4% | |
| Q1 2022 | -0.3% | -0.1% | -0.2% | |
| Q3 2021 | +0.2% | +0.2% | +1.2% | |
| Q2 2021 | -0.1% | -0.3% | -0.5% | |
| Q1 2021 | — | — | — | |
| Q3 2020 | — | — | — | |
| Q2 2020 | — | — | — | |
| Q1 2020 | — | — | — |
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