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Visual21 Nov 2025
Data center suppliers
Pagaya Technologies (PGY) investor relations material
Pagaya Technologies Stephens Annual Investment Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Stephens Annual Investment Conference summary18 Nov, 2025
Business overview and model
Provides AI/ML-based credit decisioning tools for lending partners, focusing on personal loans, auto, and POS.
Operates as a B2B white-label solution, integrating with 31 lending partners and 155 institutional investors.
Earns fees primarily from lending partners, with 80% of revenue from technology usage.
No direct consumer brand or customer acquisition costs, leveraging partners' growth for expansion.
Differentiates through scale, data, and high barriers to entry for competitors.
Financial performance and growth
Achieved third consecutive quarter of GAAP net income, annualizing at $110 million.
Application flow grew 12% and funded volume increased 6% quarter-over-quarter.
Fee revenue rose 10%, adjusted EBITDA up 24%, and net income up 35% in the last quarter.
Growth strategy targets consistent 20% annual growth, driven by new and existing partners and product expansion.
Eight new partners are onboarding, expected to contribute meaningfully by late 2026 or 2027.
Credit performance and market trends
Credit performance remains stable and in line with expectations across asset classes.
No significant macro deterioration observed; underwriting remains prudent.
Auto segment saw some elevated delinquencies, but recovery rates and roll rates have improved.
Third-party investor demand validates credit quality, with new forward flow and ABS deals completed.
How do new partners contribute to 20% growth target?
What makes Pagaya's B2B model hard to replicate?
How does AI aid credit decisions, not predict future?
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Next Pagaya Technologies earnings date
Q4 202513 Feb, 2026
Next Pagaya Technologies earnings date
Q4 202513 Feb, 2026
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Leroy DaleyApp Store
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Eferix Drawings Google Play
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Frequently asked questions
Pagaya Technologies Ltd. is a global financial technology company that uses artificial intelligence to provide innovative solutions for the financial services industry. The company offers a platform that helps institutions such as banks, credit unions, and asset managers evaluate credit applications and manage risks more efficiently. The company has dual headquarters in Tel Aviv, Israel and NYC, and its shares are listed on the Nasdaq.
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