Pagaya Technologies Ltd. develops AI-driven product solutions for the financial ecosystem, using machine learning, a data network, proprietary API integrations and capital solutions to support consumer credit products for partners, their customers and investors. Its recurring developments include lender and marketplace partnerships, embedded decisioning tools, personal loan and point-of-sale financing integrations, and updates on product adoption across its partner network.
Pagaya news also covers quarterly financial results, capital markets activity and asset-backed securitization transactions tied to personal loan, auto and point-of-sale programs. Additional company updates include investor events, senior leadership changes and disclosures related to funding strategy and disciplined risk management.
Pagaya (NASDAQ: PGY) reported strong Q4 and full-year 2025 results with record profitability and continued volume growth. Q4 GAAP net income was $34M; Q4 revenue $335M; Q4 network volume $2.7B. For FY2025, GAAP net income was $81M, revenue $1.3B, and network volume $10.5B. Management cited improved FRLPC, operating leverage, new forward flow agreements across asset classes, and raised ABS capacity to support growth. Guidance: Q1 2026 network volume $2.5B–$2.7B; FY2026 network volume $11.25B–$13B and revenue $1.4B–$1.575B.
Pagaya (NASDAQ: PGY) closed a $800 million AAA-rated personal loan ABS (PAID 2026-1), its 85th ABS transaction and largest securitization since November 2024.
The deal was upsized 33% from an initial $600 million target, attracted 32 investors (mostly returning participants), and follows $34.5 billion issued across Pagaya’s ABS program since 2018.
Pagaya (NASDAQ: PGY) announced a new forward flow agreement with Sound Point Capital for the purchase of up to $720 million of point-of-sale (POS) loans sourced through Pagaya’s platform. This is Pagaya’s inaugural POS forward flow transaction and follows the May 2025 launch of its AAA-rated POS revolving ABS shelf, POSH. Pagaya said it has raised more than $3 billion in prospective funding capacity since the POS program launch and partners with 30+ lending partners across personal loans, auto loans, and POS. The deal aims to scale repeatable private capital solutions alongside Pagaya’s public ABS program.
Pagaya (NASDAQ: PGY) closed PAID 2025-REV1, an inaugural $350 million revolving asset-backed securitization backed by consumer personal loans originated on Pagaya’s network.
The deal, completed with affiliates of 26North, features a 24-month revolving period that allows reinvestment as loans are repaid and establishes up to ~$700 million of flexible funding capacity over the life of the transaction. The structure is targeted to insurance capital and asset managers and is intended to supplement Pagaya’s public ABS platform and support onboarding of new lending partners across Personal Loan, Auto Loan, and Point of Sale Loan segments in 2026.
Pagaya (NASDAQ:PGY) said its management team will participate in multiple investor conferences in early 2026, giving investors opportunities to hear updates and management commentary.
- Needham Growth Conference — January 14, 2026, New York, NY
- Bank of America Financial Services Conference — February 10-11, 2026, Miami, FL
- Citizens JMP Technology Conference — March 3, 2026, San Francisco, CA
- Morgan Stanley TMT Conference — March 4-5, 2026, San Francisco, CA
Pagaya (NASDAQ: PGY) will release its fourth quarter and full year 2025 earnings on February 9, 2026. A conference call to discuss the results is scheduled the same day at 8:30 a.m. ET / 3:30 p.m. IST. Registration and live webcast details will be posted on Pagaya's investor website at investor.pagaya.com. A webcast replay will be available on the investor site after the call.
Achieve and Pagaya (NASDAQ: PGY) announced a partnership dated Dec 17, 2025 to expand consumer access to personal loans via Achieve's platform. Achieve will integrate Pagaya's AI-powered underwriting and data network to broaden credit access while serving as end-to-end servicer for the loans.
The collaboration will initially focus on personal-loan decisioning via Pagaya's API and consumer data set, with plans to explore prescreening, affiliate marketing, and additional lending products over time. Achieve highlights its recent adoption of FICO Score 10 T for richer borrower insights.
Pagaya (NASDAQ: PGY) closed PAID 2025-8, a $500 million AAA-rated personal loan asset-backed securitization, marking the eighth fully-prefunded PAID deal of 2025.
The transaction brings Pagaya's year-to-date personal loan ABS funding to approximately $5.4 billion and is the 19th deal across all asset classes. To date in 2025, 74 unique investors participated in the PAID platform and the company reports over 150 institutional investors across its programs.
Since 2018 Pagaya has completed 83 securitizations raising more than $34 billion to fund loans; the company currently funds just over $10 billion in loans and says it has seen a reduction in its cost of capital while broadening investor diversification.
Pagaya (NASDAQ: PGY) closed RPM 2025-6, a $400 million auto asset-backed securitization, marking another execution in its repeatable Auto ABS program.
Year to date the company has completed 18 ABS transactions totaling $7.6 billion across personal loans, auto, and point-of-sale, the largest annual ABS issuance in Pagaya’s history; management says pricing and investor demand supported the deal.
Pagaya (NYSE:PGY) said its management team will participate in two investor conferences in December 2025.
- UBS Technology Conference — Dec 3-4, 2025 in Scottsdale, AZ.
- Jefferies Specialty Finance Crossover Conference — Dec 11, 2025 in New York, NY.
No financial results or presentation times were disclosed in the announcement.