When did Pagaya Technologies report Q4 2024 earnings?

Pagaya Technologies (PGY) reported Q4 2024 earnings on February 13, 2025 before market open.

What were Pagaya Technologies's Q4 2024 revenue and EPS?

Pagaya Technologies reported revenue of $275.7M and eps of $0.17 for Q4 2024.

Did Pagaya Technologies beat estimates in Q4 2024?

Revenue missed the consensus estimate of $278.6M by $3.0M. EPS missed the consensus estimate of $0.32 by $0.15.

Where can I find Pagaya Technologies's Q4 2024 SEC filings?

You can read the 10-K periodic report (0001883085-25-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.

Pagaya Technologies PGY Q4 2024 Annual earnings

Reported February 13, 2025 · Before market open

Revenue$275.7MMiss by $3.0M

EPS$0.17Miss by $0.15

Revenue estimate$278.6M

EPS estimate$0.32

Next report

Jul 30, 2026 (Tomorrow)

Revenue estimate$356.5M

EPS estimate$0.32

Financials

Q4 2024

Income statement

See full

Revenue$279.4M+28.1%

Gross profit$121.2M+45.0%

Operating income$31.7M—

Net income-$237.9M-1,550%

EPS (diluted)-$3.31-1,339%

Balance sheet

See full

Cash & equivalents$226.5M+1.8%

Total debt$340.6M+285%

Total equity$326.5M-41.7%

Total assets$1.3B+6.8%

Cash flow

See full

Operating cash flow$27.9M+327%

CapEx$4.0M-14.2%

Free cash flow$23.9M+241%

Valuation & ratios

Valuation

as of 12/31/24

See full

Market cap$684.26M-30.5%

Enterprise value$798.37M-6.1%

P/S0.7×-0.5×

Profitability

See full

Gross margin42.1%+4.8pp

Operating margin6.5%—

Net margin-38.9%-124pp

Returns & leverage

See full

Return on equity-90.6%-138pp

Debt / equity1×+0.9×

Current ratio1.8×-2.3×

Segments

By geography

See full

United States$251.1M+30.0%

Cayman-—

Israel-—

By product

See full

Network AI Fees$249.9M+31.2%

Financial Service$25.8M+29.6%

Versus estimates

Revenue

Q1 2026$317.9MMiss by $5.9M Q4 2025$334.8MMiss by $14.6M Q3 2025$350.2MBeat by $11.8M Q2 2025$317.7MMiss by $21.2M Q1 2025$282.7MMiss by $3.5M

Q4 2024$275.7MMiss by $3.0M

Diluted EPS

Q1 2026$0.28Miss by $0.04 Q4 2025$0.36Beat by $0.02 Q3 2025$0.23Beat by $0.02 Q2 2025$0.64Miss by $0.05 Q1 2025$0.69Beat by $0.29

Q4 2024$0.17Miss by $0.15

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Questions, answered.

When did Pagaya Technologies report Q4 2024 earnings?: Pagaya Technologies (PGY) reported Q4 2024 earnings on February 13, 2025 before market open.
What were Pagaya Technologies's Q4 2024 revenue and EPS?: Pagaya Technologies reported revenue of $275.7M and eps of $0.17 for Q4 2024.
Did Pagaya Technologies beat estimates in Q4 2024?: Revenue missed the consensus estimate of $278.6M by $3.0M. EPS missed the consensus estimate of $0.32 by $0.15.
Where can I find Pagaya Technologies's Q4 2024 SEC filings?: You can read the 10-K periodic report (0001883085-25-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.