PGY is the ticker symbol for Pagaya Technologies Ltd., a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks PGY with AI-powered analysis, a 32-signal quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is PGY a good stock to buy?

13F Pro's AI ranking engine scores PGY at 65.8/100, ranked #456 of 2,961 stocks based on 32 fundamental signals including profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for PGY is available at https://13fpro.ai/company/PGY. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source PGY data?

All Pagaya Technologies Ltd. fundamentals and ownership data come directly from SEC EDGAR. Pagaya Technologies Ltd. files with the SEC under CIK 1883085. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Pagaya Technologies Ltd.(PGY)— Stock Profile, AI Score & Financials

Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-06-30.

Pagaya Technologies Ltd. (PGY) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PGY at 65.8/100 on a 32-signal composite quality model, placing it at rank #456 of 2,961 stocks — the top 25% of the AI-ranked universe. Based on the latest XBRL financial filings (Q2 2026), Pagaya Technologies Ltd. reports quarterly revenue of $387.0M, net income of $45.3M, free cash flow of $71.3M. Top institutional holders of PGY by reported 13-F value include LINDEN ADVISORS, Context Capital Management, FRONTIER CAPITAL MANAGEMENT, based on the most recent SEC filings. PGY trades on the Nasdaq exchange and files with the SEC under CIK 1883085. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PGY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Pagaya Technologies Ltd. directly from SEC EDGAR.

AI Quality Score

65.8/100

AI Rank

#456

Revenue

$387.0M

Net Income

$45.3M

Free Cash Flow

$71.3M

PGY key financials by period

Pagaya Technologies Ltd. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating margin
FY 2025	10-K/A	$1.3B	$81.4M	20.3%
FY 2024	10-K/A	$1.0B	$-401.4M	6.5%
FY 2023	10-K/A	$812.1M	$-128.4M	-3.0%
FY 2022	10-K	$748.9M	$-302.3M	-33.6%
FY 2021	10-K	$474.6M	$-91.2M	-1.2%
FY 2020	20-F	$99.0M	$14.5M	21.5%

Institutions holding PGY

Institutional investors reporting a position in Pagaya Technologies Ltd. on SEC Form 13F.
Institution	Shares	Value	Reported
LINDEN ADVISORS	39,472,000	$62.7M	2026-06-30
Context Capital Management	27,225,000	$43.4M	2026-06-30
FRONTIER CAPITAL MANAGEMENT	2,296,417	$41.9M	2026-06-30
MILLENNIUM MANAGEMENT	2,286,864	$41.7M	2026-06-30
BANK OF MONTREAL	21,943,000	$35.4M	2026-06-30
AMERICAN CENTURY COMPANIES	1,887,696	$34.5M	2026-06-30
Aquamarine Financial (Cayman) Ltd	1,771,209	$32.3M	2026-06-30
Allspring Global Investments	1,645,317	$30.9M	2026-06-30
SUSQUEHANNA INTERNATIONAL GROUP, LLP	1,683,700	$30.7M	2026-06-30
IMC-Chicago	1,347,900	$24.6M	2026-06-30

SEC EDGAR: CIK 1883085 →

Pagaya Technologies Ltd.

PGY

NasdaqSmall CapFinancials

InternationalScored off the official board: an annual-only filer, so this data lags a domestic quarterly filer.

13F Pro Quality Score

65.8/100

Rank #456 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Price Chart

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

What's Driving PGY's Business? Latest 10-Q Breakdown

33/33 datapoints verified

AI-extracted from the 10-Q filed 2026-07-30 — Q2 2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Pagaya grew Network Volume 22% YoY to $6.2B and fee revenue 11% to $665M while net income jumped 185% to $70M, but credit losses on investments surged 86%.

Biggest Revenue Drivers

Network AI Fees$585.4M+9% YoY

Driven by improved economics in AI integration fees and 22% growth in Network Volume to $6.2 billion

Contract Fees$79.3M+30% YoY

Increase in assets held by securitization vehicles driven by continued business growth

Biggest Revenue Drivers

Total revenue: $705.0M+14% YoY

Network AI Fees$585.4M+9% YoY

Driven by improved economics in AI integration fees and 22% growth in Network Volume to $6.2 billion

Contract Fees$79.3M+30% YoY

Increase in assets held by securitization vehicles driven by continued business growth

Interest Income$39.9M+117% YoY

Higher average balance in investments in loans and securities and greater proportion of cash-yielding senior note tranches

Largest Expense Items

Production Costs$396.3M+11% YoY

Correlates to Network Volume growth of 22% and shifts in asset class composition

General and Administrative$68.4M-21% YoY

Decreased compensation and share-based compensation expenses

Technology, Data and Product Development$33.3M-12% YoY

Reduction in depreciation from increased useful life of software, partially offset by higher compensation

Sales and Marketing$21.2M-27% YoY

Lower compensation and share-based compensation expenses

Margins: Fee Revenue Less Production Costs (FRLPC) margin declined to 4.4% of Network Volume from 4.8% YoY, indicating pressure from production cost mix, though operating leverage improved with 78% growth in operating income.

Watch Items from the Filing

Credit-related impairment losses on ABS securities surged $37M to $80.3M for six months ended June 30, 2026, with $6M attributable to noncontrolling interests; fair value of investments sensitive to 100 bps increase in credit loss rates would decline $117M.
Two ABS securitization trusts (related parties) represented 29% of Q2 2026 quarterly fee revenue; for six months 2026, no customer exceeded 10% of fee revenue, but related-party fee receivables totaled $124.3M (65% of total receivables).
Geopolitical conflict between Israel, U.S. and Iran erupted February 2026; company stated no material business impacts to date but acknowledged heightened volatility in global energy and financial markets has increased cost of capital.
Unfunded maximum potential guarantees on forward flow agreements total $141.3M as of June 30, 2026; $48.1M segregated cash collateral required, with $20.9M accrued as liability.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →