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 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).
Pagaya Technologies Ltd. (PGY) filed a Form 8-K announcing its quarterly results for the period ended September 30, 2025. The company issued a press release and a shareholder letter on November 10, 2025, detailing its performance and updates.
These materials were furnished as Exhibits 99.1 and 99.2 and are not deemed “filed” for purposes of the Exchange Act. The filing covers Class A Ordinary Shares (PGY) and warrants (PGYWW) listed on NASDAQ.
Pagaya Technologies Ltd. (PGY) reported an insider equity transaction by its President. On 10/16/2025, 22,916 Class A Ordinary Shares were acquired at $0 via RSU vesting (code M), and 12,816 shares were sold at $27.4 (code S) the same day. Following these transactions, 110,740 shares were beneficially owned directly.
The sale was made to satisfy tax withholding obligations from the vesting of a compensatory award. The underlying grant totals 183,333 RSUs: 1/4 vested on April 16, 2024, with the remainder vesting in six equal quarterly installments beginning July 16, 2024.
Pagaya Technologies (PGY) reported an insider transaction by its Chief Development Officer and Director. On 10/13/2025, the insider exercised an incentive stock option (code M) to acquire 9,363 Class A ordinary shares at an exercise price of $10.68 per share.
Following the transaction, the insider directly owned 37,544 Class A ordinary shares and held 222,267 derivative securities beneficially. The option was disclosed as fully vested and exercisable on February 29, 2024.
Sanjiv Das, listed as an officer (President) of Pagaya Technologies Ltd. (PGY), reported transactions dated 10/01/2025. On that date 8,538 restricted stock units (RSUs) vested and were treated as acquired at $0 under a compensatory award. To cover tax withholding from the vesting, 4,783 Class A ordinary shares were sold at $30.20 each. After these entries, the filing shows beneficial ownership of 100,640 Class A shares and 8,538 underlying shares from the RSUs. The filer states the sale was made solely to satisfy tax withholding obligations arising from the vesting.
Pagaya Technologies Ltd. (PGY) Form 4 shows that Tami Rosen, identified as a Director and Chief Development Officer, sold 15,026 Class A ordinary shares on 10/01/2025 at a weighted average price of $30.7345 per share under a 10b5-1 plan. After the transactions, the filing reports she beneficially owns 28,181 Class A shares.
The filing notes the sale occurred in multiple transactions with prices ranging from $29.90 to $32.62 and that the reporting person will provide details of per-price amounts on request. The Form 4 was signed by an attorney-in-fact on 10/03/2025.
Pagaya Technologies insider Evangelos Perros, the company's Chief Financial Officer, reported transactions dated 10/01/2025. 22,766 restricted stock units vested and were reported as acquired with a zero per‑share price for tax/compensation reporting purposes, and 12,754 Class A ordinary shares were sold at $30.20 per share to satisfy tax withholding obligations triggered by the vesting. After these transactions, the filing reports beneficial ownership of 113,828 Class A ordinary shares.
The filing explains the sale was solely to cover tax withholding from the compensatory vesting. The restricted stock unit grant totals 273,224 units with a specified vesting schedule: 1/6 vested on 8/1/2024 and 1/6 on 1/1/2025, with the remaining 2/3 vesting in equal quarterly installments through 1/1/2027.
Pagaya Technologies entered into a new senior secured revolving credit agreement providing an initial committed amount of $132 million to support the company’s liquidity. The Revolving Credit Facility matures on October 2, 2028 and allows voluntary prepayments without penalty subject to notice and minimums, although prepayments of SOFR loans may incur breakage costs. Interest is payable at the company’s option at a base rate plus a 2.50% margin (with a 1.00% floor) or at an adjusted term SOFR plus a 3.50% margin (with a 1.00% floor). An unused-commitment fee accrues at 0.25% annually. The obligations are guaranteed by certain wholly-owned subsidiaries and are secured by a first priority lien on substantially all assets, subject to customary exceptions. The agreement contains customary negative and affirmative covenants, a maximum first-lien leverage ratio, a minimum fixed charge coverage ratio, and events of default including change of control and bankruptcy. A press release announcing the refinancing is filed as Exhibit 99.1.