Pagaya Technologies Ltd. (PGY) Earnings History
Earnings Pressure7 years of earnings data (2019–2025) · 5-year EPS trend is negative
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Pagaya Technologies Ltd. (PGY) Earnings Overview
As of June 29, 2026, Pagaya Technologies Ltd. (PGY) reported trailing twelve-month net income of $98M, reflecting +116.4% year-over-year growth. The company earned $1.02 per diluted share over the past four quarters, with a net profit margin of 6.5%.
Looking at the long-term picture, PGY's 5-year EPS compound annual growth rate (CAGR) stands at -2.9%, signaling declining earnings. The company achieved its highest annual net income of $81M in fiscal 2025, representing a new all-time high.
Pagaya Technologies Ltd. maintains positive profitability with a gross margin of 40.6%, operating margin of 17.7%, and net margin of 6.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including UPST ($49M net income, 5.0% margin), AFRM ($382M net income, 1.6% margin), PRAA (-$281M net income, -24.6% margin), PGY has outperformed on profitability metrics. Compare PGY vs UPST →
PGY Earnings vs Peers
Earnings metrics vs comparable public companies
PGY Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $81M | +120.3% | $224M | $0.93 | 6.5% | 17.7% |
| 2024 | -$401M | -212.5% | $67M | $-5.66 | -40.0% | 6.7% |
| 2023 | -$128M | +57.5% | -$24M | $-2.14 | -16.6% | -3.2% |
| 2022 | -$302M | -231.7% | -$252M | $-7.65 | -44.1% | -36.7% |
| 2021 | -$91M | -729.9% | -$6M | $-4.27 | -20.4% | -1.3% |
| 2020 | $14M | +357.5% | $21M | $1.08 | 15.8% | 23.2% |
| 2019 | -$6M | - | -$4M | $-0.53 | -15.6% | -10.8% |
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PGY — Frequently Asked Questions
Quick answers to the most common questions about buying PGY stock.
What is PGY earnings per share (EPS)?
PGY trailing twelve-month (TTM) diluted EPS is $1.02, reflecting +116.4% year-over-year growth. The 5-year EPS CAGR is -2.9%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Pagaya Technologies Ltd.'s net income?
Pagaya Technologies Ltd. (PGY) trailing twelve-month net income is $98M as of 2025. Earnings grew +116.4% year-over-year.
Is PGY profitable?
Yes, PGY is profitable with a TTM net income of $98M and a net profit margin of +6.5%.
What is PGY's earnings growth rate?
PGY compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: -2.9%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are PGY's profit margins?
Pagaya Technologies Ltd. net profit margin is +6.5%, operating margin is +17.7%, and gross margin is +40.6%. Margins are within a typical range for the sector. Return on Equity is +16.3%.
Is PGY growing earnings?
Yes, PGY earnings are accelerating — EPS growth of +116.4% exceeds the 5-year CAGR of -2.9%. TTM net income reached $98M. Earnings momentum is strengthening.
What was PGY's best earnings year?
Pagaya Technologies Ltd.'s highest annual net income on record is $81M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were PGY's earnings last quarter?
PGY's most recent reported quarter was Q1 2026. Net income was $25M with diluted EPS of $0.28. For a full breakdown of all quarters, see the quarterly earnings table on this page.