Welcome to our dedicated page for Pagaya Technologies Ltd. SEC filings (Ticker: PGY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Pagaya Technologies Ltd. (NASDAQ: PGY) files a range of documents with the U.S. Securities and Exchange Commission that shed light on its AI-driven financial technology business, funding structure, and capital markets activity. As an Israel-incorporated company with offices in New York and Tel Aviv, Pagaya uses its SEC filings to report material events, financing transactions, and periodic financial results related to its role in the consumer credit and residential real estate markets.
On this page, investors can review Pagaya’s current and historical SEC filings, including Form 8-K reports that describe significant developments such as earnings releases, refinancings of revolving credit facilities, and the issuance of senior notes. Recent 8-K filings detail a senior secured revolving credit facility, the terms of Pagaya US Holding Company LLC’s senior notes due 2030, and the use of proceeds to refinance existing borrowings and support general corporate purposes.
Pagaya’s periodic reports, including annual reports on Form 10-K and quarterly reports on Form 10-Q, provide more extensive information on its financial performance, non-GAAP metrics such as Fee Revenue Less Production Costs, Adjusted Net Income, and Adjusted EBITDA, and its activities in asset-backed securitization (ABS) programs across personal loans, auto loans, and point-of-sale assets. These filings also describe the company’s risk factors, capital structure, and the role of its AI-driven credit infrastructure within the broader financial ecosystem.
In addition, investors can use this page to access insider and capital markets-related filings, such as those related to warrants to purchase Class A ordinary shares (PGYWW) and other securities. Stock Titan’s tools surface Pagaya’s filings as they become available from EDGAR and provide AI-powered summaries to help readers quickly understand key terms, covenants, and implications of complex documents, including credit agreements, indentures, and securitization-related disclosures.
Pagaya Technologies Ltd. reported that since December 26, 2025 it has repurchased approximately $6.9 million in aggregate principal amount of its outstanding 8.875% Senior Notes due 2030 through several open market transactions. The company funded these repurchases with cash on its balance sheet and viewed buying the notes at a significant discount to their par value as an attractive use of capital within its broader capital allocation strategy.
Pagaya stated it may from time to time make additional open market purchases or other liability management transactions, which would be limited in size and depend on market conditions, its liquidity needs and other factors.
Pagaya Technologies Ltd.'s President reported insider transactions on 12/12/2025. The officer acquired 23,750 Class A ordinary shares at $0 upon vesting of restricted stock units and sold 568 shares at $22.35 to satisfy tax withholding obligations arising from the vesting of a compensatory award. After these moves, the President directly owns 133,922 Class A ordinary shares and 118,750 restricted stock units that will vest over two years in eight equal quarterly installments starting on June 12, 2025.
Pagaya Technologies Ltd. Chief Financial Officer, a reporting person and officer of the company, reported equity compensation activity on 12/12/2025. A restricted stock unit award was settled, delivering 20,625 Class A ordinary shares at an exercise price of $0, which became directly owned.
On the same date, the officer sold 11,592 Class A ordinary shares at $22.35 per share to satisfy tax withholding obligations arising exclusively from the vesting of the compensatory award. After these transactions, the officer directly beneficially owned 87,196 Class A ordinary shares. The RSU grant is scheduled to vest over two years in eight equal quarterly installments starting on June 12, 2025.
Pagaya Technologies Ltd. reported an insider stock transaction by its Chief Development Officer and director. On 12/12/2025, 15,625 Class A ordinary shares were acquired at $0 upon the settlement of restricted stock units, and 8,064 shares were sold at $22.35 to satisfy tax withholding obligations arising exclusively from the vesting of this compensatory award. After these transactions, the insider directly owned 45,105 Class A ordinary shares and held 78,125 restricted stock units that vest over two years in eight equal quarterly installments beginning 06/12/2025.
Pagaya Technologies Ltd. reported an insider equity award for a non-employee director. On 12/10/2025, the director acquired 11,446 Class A Ordinary Shares in the form of restricted stock units at a price of $0 as an annual equity grant approved by shareholders. Each RSU represents a right to receive one Class A share and will vest over one year, with 25% scheduled on January 1, April 1, July 1 and October 1, 2026. Following this grant, the director beneficially owns 30,196 Class A Ordinary Shares directly.
Pagaya Technologies Ltd. reported that one of its directors received an annual equity award in the form of 11,446 restricted stock units (RSUs) for Class A Ordinary Shares on 12/10/2025. Each RSU represents a contingent right to receive one Class A Ordinary Share.
The RSUs vest over one year, with 25% of the grant vesting on each of January 1, 2026, April 1, 2026, July 1, 2026 and October 1, 2026. Following this grant, the director beneficially owns 160,461 Class A Ordinary Shares, held directly. The award is described as the annual equity grant for non-employee directors that was approved by shareholders.
Pagaya Technologies Ltd. reported an equity award to one of its directors. On 12/10/2025, the director was granted 11,446 restricted stock units (RSUs), with each RSU representing a contingent right to receive one Class A Ordinary Share.
The RSU grant vests over one year, with 25% scheduled to vest on each of January 1, 2026, April 1, 2026, July 1, 2026 and October 1, 2026. Following this transaction, 30,196 Class A Ordinary Shares were reported as beneficially owned indirectly through Fifth Era LLC. The award is described as the annual equity grant for non-employee directors, previously approved by shareholders and outlined under "Non-Employee Director Compensation" in the company’s April 30, 2025 proxy statement.
Pagaya Technologies Ltd. reported that one of its directors received an annual equity grant of 11,446 restricted stock units on December 10, 2025. Each RSU represents a contingent right to receive one Class A ordinary share, and the award was granted at a price of $0.
The RSUs vest over one year, with 25% scheduled to vest on each of January 1, 2026, April 1, 2026, July 1, 2026 and October 1, 2026. The grant reflects the annual compensation program for non-employee directors that shareholders previously approved and that is described in the company’s April 30, 2025 proxy statement under “Non-Employee Director Compensation.”
Pagaya Technologies Ltd. reported that one of its directors received an annual equity grant of 11,446 restricted stock units (RSUs), each representing one Class A ordinary share. The RSUs were awarded at no cash cost to the director and will vest over one year, with 25% vesting on each of January 1, 2026, April 1, 2026, July 1, 2026 and October 1, 2026. After this grant, the director beneficially owns 252,360 Class A ordinary shares. The award is described as the annual equity grant for non-employee directors that was previously approved by shareholders.
Pagaya Technologies (PGY) reported a profitable Q3 2025, with total revenue and other income of $350.2 million, up from $257.2 million a year ago. Operating income rose to $80.0 million from $22.4 million, and net income attributable to the company reached $22.5 million versus a prior loss, for diluted EPS of $0.23. Revenue from fees grew to $339.9 million from $249.3 million, led by Network AI fees of $304.6 million and contract fees of $35.3 million.
Results reflect strong fee growth and controlled operating costs, partly offset by a $19.6 million loss on investments in loans and securities and a $25.0 million loss from extinguishment of debt. Year to date, the company generated $158.8 million in operating cash flow and $47.1 million in net income.
On the balance sheet, cash was $218.3 million and total assets were $1.46 billion. Long-term debt increased to $487.8 million after issuing $500 million Senior Notes due 2030 at 8.875% and repaying prior facilities. A new $132 million revolving credit facility began on October 1, 2025 with lower pricing. Pagaya will become a large accelerated filer for the 2025 Form 10-K and will be subject to auditor attestation under SOX 404(b).
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