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Pagaya Technologies PGY Q1 2026 Annual earnings

Reported May 7, 2026 · Before market open

Revenue$317.9MMiss by $5.9M
EPS$0.28Miss by $0.04
Revenue estimate$323.8M
EPS estimate$0.32

Next report

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

Financials

Q1 2026

Income statement

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Revenue$317.9M+9.6%
Gross profit$140.4M+14.2%
Operating income$80.0M+67.8%
Net income$24.7M+213%
EPS (diluted)$0.28+180%

Balance sheet

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Cash & equivalents$380.0M+65.5%
Total debt$507.6M+43.8%
Total equity$529.3M+57.8%
Total assets$1.6B+29.0%

Cash flow

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Operating cash flow$43.2M+25.4%
CapEx$3.2M-15.9%
Free cash flow$40.0M+30.5%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$961.43M+21.8%
Enterprise value$1.09B+19.3%
P/E9.8×—
P/S0.7×0.0×

Profitability

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Gross margin42.9%+0.4pp
Operating margin22.3%+12.4pp
Net margin7.4%+4.0pp
FCF margin17.6%—

Returns & leverage

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Return on equity22.7%+12.8pp
Debt / equity1×-0.1×

Segments

By product

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Network AI Fees$266.9M+6.1%
Financial Service$32.1M+2.9%

FAQ

When did Pagaya Technologies report Q1 2026 earnings?
Pagaya Technologies (PGY) reported Q1 2026 earnings on May 7, 2026 before market open.
What were Pagaya Technologies's Q1 2026 revenue and EPS?
Pagaya Technologies reported revenue of $317.9M and eps of $0.28 for Q1 2026.
Did Pagaya Technologies beat estimates in Q1 2026?
Revenue missed the consensus estimate of $323.8M by $5.9M. EPS missed the consensus estimate of $0.32 by $0.04.
How did Pagaya Technologies's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.5% from $282.7M a year earlier and eps declined 59.4% from $0.69.
Where can I find Pagaya Technologies's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001883085-26-000027) and the 10-K/A periodic report (0001628280-26-028608) directly on SEC EDGAR. The filing index links above go to sec.gov.