Pagaya Technologies Ltd. SEC filings document the company’s operating results, Regulation FD communications, capital structure and material corporate events. Its 8-K filings include quarterly and annual earnings releases, shareholder letters, executive officer transition disclosures, and securities information for its Class A ordinary shares and warrants to purchase Class A ordinary shares.
The filing record also covers financing and liability-management matters, including senior notes, note repurchases, revolving credit facility agreements and related subsidiary guarantees. These disclosures describe Pagaya’s debt instruments, material agreements, governance changes, risk-related statements and funding arrangements for an AI-driven financial technology business.
Pagaya Technologies Ltd. (PGY) reported third-quarter 2026 total revenue and other income of $390 million, up 12% year over year, and GAAP net income attributable to Pagaya shareholders of $50 million, up $27 million. Adjusted EBITDA, a non-GAAP measure, was $130 million, up 22%, while network volume reached $3.6 billion, up 29%. Operating income was $113 million, up 41%.
FRLPC, a non-GAAP measure, was $146 million, up 5%, while FRLPC as a share of network volume fell 91 basis points to 4.1%; Pagaya attributed the contraction to higher benchmark rates. Pagaya raised full-year 2026 GAAP net income guidance to $162 million-$182 million. It closed three structures expected to add over $2 billion of committed capital over the next 24 months, onboarded Citizens Financial Group and First National Bank of Omaha, and raised $3 billion in ABS securitizations during the quarter.
Tami Rosen, a director of Pagaya Technologies Ltd. (PGY), exercised 9,363 options on October 19, 2026, at an exercise price of $10.68 per share to acquire 9,363 Class A Ordinary Shares. After the transaction, she directly held 22,777 Class A Ordinary Shares; the reported post-transaction option balance was 194,085 options. The options became fully vested and exercisable on February 28, 2024.
Pagaya Technologies Ltd. (PGY) director Tami Rosen sold 1,986 Class A Ordinary Shares on October 2, 2026, at $17.83 per share. The sale was to satisfy tax liability arising exclusively from vesting of a compensatory award. She directly held 13,414 shares after the sale. No Rule 10b5-1 plan is reported.
Pagaya Technologies Ltd. (PGY) presented historical characteristics of borrowers and loans facilitated through its network, with personal and auto portfolio tables organized by quarterly vintage from Q1 2021 through Q2 2026. The presentation states that its data are as of July 2026.
For personal loans, the Q2 2026 table reports a 20.13% weighted average coupon, $11,459 weighted average loan size, a weighted average credit score of 662 and weighted average annual income of $124,538. The overview rounds these measures to approximately 20%, approximately $11,000, 662 and approximately $125,000, respectively.
For auto loans, the Q2 2026 table reports a 17.73% weighted average coupon, a weighted average credit score of 594, weighted average loan-to-value of 124% and weighted average annual income of $88,012; the overview lists an average loan size of $37,000. The historical auto table also tracks original term, debt-to-income and payment-to-income ratios, vehicle mileage and vehicle age.
Pagaya Technologies Ltd. Chief Accounting Officer Cory Vieira reported a sale of 2,170 Class A ordinary shares on September 28, 2026, at $17.04 per share; the sale was necessary to satisfy tax withholding obligations arising exclusively from vesting of a compensatory award. On September 25, he converted 3,572 restricted stock units into 3,572 Class A ordinary shares, with a reported post-transaction position of 21,427 restricted stock units. The units were part of a grant of 28,571 restricted stock units on April 1, 2026, vesting in eight equal quarterly installments beginning June 25, 2026. No Rule 10b5-1 plan is reported.
Pagaya Technologies Ltd. President Sanjiv Das sold 14,300 Class A ordinary shares at $17.04 per share on September 28, 2026. On September 25, he converted 25,000 restricted stock units into 25,000 Class A ordinary shares. The reported post-transaction RSU position was 150,000.
Pagaya Technologies Ltd. (PGY) Chief Financial Officer Jonathan Dobres sold 590 Class A ordinary shares on September 28, 2026, at $17.04 per share; the sale was necessary to satisfy tax withholding obligations arising exclusively from vesting a compensatory award. On September 25, 2026, 1,116 restricted stock units were converted into 1,116 Class A ordinary shares, leaving 6,696 restricted stock units.
Pagaya Technologies Ltd. (PGY) director Rosen Tami reported selling 8,504 Class A Ordinary Shares on September 18, 2026 in an open-market or private transaction at a weighted average price of $20.3843 per share, under a Rule 10b5-1 trading plan.
After this sale, Tami directly holds 15,400 Class A Ordinary Shares. The reported price reflects multiple trades executed at prices ranging from $20.24 to $20.68 per share.
Pagaya Technologies Ltd. (PGY) received a notice that director Tami Rosen intends to sell up to 8,504 shares of Pagaya common stock under Rule 144 through Morgan Stanley Smith Barney LLC, with an approximate sale date of September 18, 2026. These shares relate to Restricted Stock Units acquired from the issuer on September 12, 2026. Pagaya common stock outstanding was reported as 72,137,266 shares for this notice. Over the prior three months, Rosen reported sales of Pagaya common totaling 7,121 shares for $143,915.41 on September 12, 2026, 1,265 shares for $29,183.55 on September 3, 2026, and 28,181 shares for $619,370.47 on August 3, 2026, plus a 10b5-1 sale of 9,944 shares for $151,131.90 on June 22, 2026.
Pagaya Technologies Ltd. (PGY) Chief Financial Officer Jonathan Dobres reported equity-compensation activity and a small sale of Class A Ordinary Shares. On September 15, 2026, 4,375 restricted stock units vested and were settled into 4,375 Class A shares, part of a July 1, 2026 grant of 34,995 RSUs scheduled to vest in eight equal quarterly installments beginning September 15, 2026, leaving 30,620 RSUs outstanding. On September 17, 2026, he sold 2,183 shares at $21.04 per share to satisfy tax withholding obligations arising exclusively from the vesting of this compensatory award. No Rule 10b5-1 trading plan is reported.