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Pagaya Technologies PGY Q1 2025 earnings

Reported May 7, 2025 · Before market open

Revenue$282.7MMiss by $3.5M
EPS$0.69Beat by $0.29
Revenue estimate$286.2M
EPS estimate$0.40

Next report

Nov 9, 2026 (in 2 months)
Revenue estimate$383.0M
EPS estimate$0.97

Financials

Q1 2025

Income statement

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Revenue$290.0M+18.2%
Gross profit$122.9M+22.4%
Operating income$47.7M+520%
Net income$7.9M+137%
EPS (diluted)$0.10+130%

Balance sheet

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Cash & equivalents$229.6M-25.9%
Total debt$353.1M+24.5%
Total equity$335.5M-46.5%
Total assets$1.3B-13.8%

Cash flow

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Operating cash flow$34.4M+94.4%
CapEx$3.8M-26.6%
Free cash flow$30.7M+144%

Valuation & ratios

Valuation

as of 03/31/25
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Market cap$789.13M+10.9%
Enterprise value$912.56M+33.2%
P/S0.7×-0.1×

Profitability

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Gross margin42.4%+3.2pp
Operating margin9.9%—
Net margin-34.6%-59.4pp

Returns & leverage

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Return on equity-77.4%-97.4pp
Debt / equity1.1×+0.6×
Current ratio1.8×-0.6×

Segments

By geography

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United States$315.3M+25.6%
Cayman-—
Israel-—

By product

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Network AI Fees$251.5M+16.8%
Financial Service$31.2M+43.8%

FAQ

When did Pagaya Technologies report Q1 2025 earnings?
Pagaya Technologies (PGY) reported Q1 2025 earnings on May 7, 2025 before market open.
What were Pagaya Technologies's Q1 2025 revenue and EPS?
Pagaya Technologies reported revenue of $282.7M and eps of $0.69 for Q1 2025.
Did Pagaya Technologies beat estimates in Q1 2025?
Revenue missed the consensus estimate of $286.2M by $3.5M. EPS beat the consensus estimate of $0.40 by $0.29.
How did Pagaya Technologies's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.3% from $237.0M a year earlier and eps grew 245.0% from $0.20.
Where can I find Pagaya Technologies's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001883085-25-000080) and the 10-Q periodic report (0001883085-25-000082) directly on SEC EDGAR. The filing index links above go to sec.gov.