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Pagaya Technologies PGY Q2 2026 earnings

Reported July 30, 2026 · Before market open

Revenue$387.0MBeat by $31.0M
EPS$0.49Beat by $0.17
Revenue estimate$356.0M
EPS estimate$0.32

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$387.0M+18.6%
Gross profit$168.3M+24.7%
Operating income$105.8M+87.4%
Net income$45.3M+172%
EPS (diluted)$0.49+145%

Balance sheet

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Cash & equivalents$249.3M+3.0%
Total debt$504.3M+51.5%
Total equity$594.2M+62.0%
Total assets$1.7B+21.0%

Cash flow

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Operating cash flow$74.7M+30.3%
CapEx$3.4M-9.2%
Free cash flow$71.3M+33.1%

Valuation & ratios

Valuation

as of 06/30/26
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Market cap$1.51B+0.1%
Enterprise value$1.77B+10.3%
P/E11.9×—
P/S1.1×-0.2×

Profitability

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Gross margin43.4%+1.1pp
Operating margin24.9%+11.1pp
Net margin9.1%+5.3pp
FCF margin18.1%—

Returns & leverage

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Return on equity26.4%+15.5pp
Debt / equity0.8×-0.1×

Segments

By product

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Network AI Fees$318.4M+11.4%
Financial Service$47.2M+48.4%

FAQ

When did Pagaya Technologies report Q2 2026 earnings?
Pagaya Technologies (PGY) reported Q2 2026 earnings on July 30, 2026 before market open.
What were Pagaya Technologies's Q2 2026 revenue and EPS?
Pagaya Technologies reported revenue of $387.0M and eps of $0.49 for Q2 2026.
Did Pagaya Technologies beat estimates in Q2 2026?
Revenue beat the consensus estimate of $356.0M by $31.0M. EPS beat the consensus estimate of $0.32 by $0.17.
How did Pagaya Technologies's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.8% from $317.7M a year earlier and eps declined 23.4% from $0.64.
Where can I find Pagaya Technologies's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001883085-26-000052) and the 10-Q periodic report (0001883085-26-000058) directly on SEC EDGAR. The filing index links above go to sec.gov.