Pagaya Technologies Ltd. (PGY) quarterly income statement — complete revenue, gross profit & net income history
Pagaya Technologies Ltd. (PGY) annual income statement — 7-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Sales/Revenue | 362.15M | 365.64M | 298.99M | 321.04M | 339.89M | 317.71M | 282.7M | 275.67M | 249.28M | 242.59M | 237M | 210.43M | 201.45M | 185.69M | 175.25M | 178.17M | 185.61M | 163.3M | 158.32M | 144.26M |
| Revenue Growth % | 6.55% | 15.08% | 5.76% | 16.46% | 36.35% | 30.97% | 19.28% | 31% | 23.75% | 30.65% | 35.23% | 18.1% | 8.53% | 13.71% | 10.69% | 23.51% | 44.84% | 77.16% | 72.78% | 296.58% |
| Cost of Goods Sold | 215.7M | 218.72M | 177.56M | 190.05M | 200.57M | 191.47M | 167.08M | 158.2M | 148.97M | 145.6M | 144.88M | 134.48M | 128.79M | 120.61M | 125.06M | 124.71M | 129.12M | 104.98M | 92.28M | 50.82M |
| COGS % of Revenue | 59.56% | 59.82% | 59.39% | 59.2% | 59.01% | 60.26% | 59.1% | 57.39% | 59.76% | 60.02% | 61.13% | 63.91% | 63.93% | 64.96% | 71.36% | 69.99% | 69.56% | 64.29% | 58.29% | 35.23% |
| Gross Profit | 146.45M | 146.92M | 121.43M | 130.99M | 139.31M | 126.25M | 115.62M | 117.47M | 100.32M | 96.99M | 92.12M | 75.95M | 72.66M | 65.07M | 50.2M | 53.46M | 56.5M | 58.32M | 66.05M | 93.44M |
| Gross Margin % | 40.44% | 40.18% | 40.61% | 40.8% | 40.99% | 39.74% | 40.9% | 42.61% | 40.24% | 39.98% | 38.87% | 36.09% | 36.07% | 35.04% | 28.64% | 30.01% | 30.44% | 35.71% | 41.71% | 64.77% |
| Gross Profit Growth % | 5.13% | 16.38% | 5.02% | 11.51% | 38.87% | 30.16% | 25.51% | 54.67% | 38.07% | 49.05% | 83.52% | 42.05% | 28.6% | 11.57% | -24% | -42.78% | 21.72% | 97.12% | 58.2% | 399.99% |
| Operating Expenses | 62.24M | 62.53M | 60.38M | 65.05M | 69.63M | 78.46M | 75.22M | 85.73M | 77.93M | 91.97M | 84.43M | 65.29M | 72.49M | 75.31M | 75.17M | 80.16M | 120.67M | 208.95M | 76.06M | 95.63M |
| OpEx % of Revenue | 17.19% | 17.1% | 20.19% | 20.26% | 20.49% | 24.7% | 26.61% | 31.1% | 31.26% | 37.91% | 35.63% | 31.03% | 35.99% | 40.56% | 42.89% | 44.99% | 65.01% | 127.95% | 48.04% | 66.29% |
| Selling, General & Admin | 44.89M | 45.18M | 44.44M | 45.97M | 51.4M | 60.01M | 55.78M | 70.85M | 69.23M | 77.78M | 73.33M | 55.36M | 64.76M | 67.57M | 65.43M | 71.32M | 100.37M | 162.08M | 64.64M | 91.23M |
| SG&A % of Revenue | 12.4% | 12.36% | 14.86% | 14.32% | 15.12% | 18.89% | 19.73% | 25.7% | 27.77% | 32.06% | 30.94% | 26.31% | 32.15% | 36.39% | 37.33% | 40.03% | 54.07% | 99.25% | 40.83% | 63.24% |
| Research & Development | 17.35M | 17.35M | 15.94M | 19.08M | 18.24M | 18.45M | 19.44M | 18.6M | 16.66M | 21.93M | 19.38M | 17.55M | 18.04M | 17.66M | 21.13M | 23.55M | 38.64M | 65.11M | 23.63M | 14.87M |
| R&D % of Revenue | 4.79% | 4.74% | 5.33% | 5.94% | 5.37% | 5.81% | 6.88% | 6.75% | 6.68% | 9.04% | 8.18% | 8.34% | 8.95% | 9.51% | 12.06% | 13.22% | 20.82% | 39.87% | 14.92% | 10.31% |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K |
| Operating Income | 84.21M | 84.4M | 61.05M | 65.94M | 69.68M | 47.78M | 40.4M | 31.74M | 22.38M | 5.03M | 7.69M | 10.65M | 162K | -10.24M | -24.98M | -26.7M | -64.17M | -150.62M | -10.01M | -2.19M |
| Operating Margin % | 23.25% | 23.08% | 20.42% | 20.54% | 20.5% | 15.04% | 14.29% | 11.51% | 8.98% | 2.07% | 3.24% | 5.06% | 0.08% | -5.51% | -14.25% | -14.98% | -34.57% | -92.24% | -6.32% | -1.52% |
| Operating Income Growth % | 20.85% | 76.62% | 51.12% | 107.77% | 211.29% | 850.57% | 425.36% | 197.96% | 13717.28% | 149.1% | 130.79% | 139.9% | 100.25% | 93.2% | -149.46% | -1121.27% | -533.45% | -1552.5% | -8.66% | -123.55% |
| EBITDA | 88.47M | 88.31M | 64.91M | 73.07M | 77.32M | 55.38M | 48.12M | 40.02M | 29.5M | 12.07M | 14.01M | 16.62M | 5.34M | -5.77M | -21.46M | -24.48M | -61.24M | -149.95M | -9.54M | -1.86M |
| EBITDA Margin % | 24.43% | 24.15% | 21.71% | 22.76% | 22.75% | 17.43% | 17.02% | 14.52% | 11.83% | 4.98% | 5.91% | 7.9% | 2.65% | -3.11% | -12.25% | -13.74% | -32.99% | -91.83% | -6.02% | -1.29% |
| EBITDA Growth % | 14.42% | 59.47% | 34.89% | 82.59% | 162.09% | 358.84% | 243.56% | 140.81% | 452.54% | 309.17% | 165.27% | 167.88% | 108.72% | 96.15% | -125.07% | -1216.13% | -507.96% | -4435.15% | -5.09% | -119.85% |
| D&A (Non-Cash Add-back) | 4.26M | 3.92M | 3.86M | 7.13M | 7.64M | 7.59M | 7.72M | 8.28M | 7.12M | 7.04M | 6.32M | 5.97M | 5.18M | 4.47M | 3.52M | 2.22M | 2.93M | 671K | 477K | 326K |
| EBIT | 84.21M | 41.25M | 27.31M | 22.07M | 8.06M | 21.54M | -48K | 28.01M | 14.43M | -2.72M | -582K | 3.04M | -10.15M | -20.16M | -36.36M | -41.41M | -82.51M | -168.87M | -22.22M | -12.65M |
| Net Interest Income | 28.34M | 22.2M | 17.67M | 15.1M | 14.92M | 10.74M | 7.68M | 7.62M | 8.73M | 8.19M | 7.74M | 7.78M | 10.38M | 10.19M | 10.4M | 14.63M | 13.67M | 17.25M | 12.21M | 10.62M |
| Interest Income | 28.34M | 22.2M | 17.67M | 15.1M | 14.92M | 10.74M | 7.68M | 7.62M | 8.73M | 8.19M | 7.74M | 7.78M | 10.38M | 10.19M | 10.4M | 14.63M | 13.67M | 17.25M | 12.21M | 10.62M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | -38.67M | -43.15M | -33.74M | -43.87M | -61.62M | -26.24M | -40.45M | -272.28M | -108.14M | -73.19M | -34.35M | -25.63M | -47.26M | -16.89M | -66.98M | -34.72M | 3.23M | 6.3M | 313K | -4.3M |
| Pretax Income | 45.54M | 41.25M | 27.31M | 22.07M | 8.06M | 21.54M | -48K | -240.54M | -85.75M | -68.17M | -26.66M | -14.98M | -47.1M | -27.13M | -91.96M | -61.41M | -60.94M | -144.32M | -9.7M | -6.49M |
| Pretax Margin % | 12.58% | 11.28% | 9.13% | 6.87% | 2.37% | 6.78% | -0.02% | -87.26% | -34.4% | -28.1% | -11.25% | -7.12% | -23.38% | -14.61% | -52.47% | -34.47% | -32.83% | -88.38% | -6.13% | -4.5% |
| Income Tax | 1.05M | -1.09M | 3.15M | -6.97M | -15.21M | 4.98M | -2.54M | 16.59M | -11.52M | 14.51M | 5M | 5.06M | -1.16M | 5.01M | 6.67M | -9.2M | 6.07M | 19.73M | -186K | -3.54M |
| Effective Tax Rate % | 2.31% | -2.64% | 11.53% | -31.6% | -188.64% | 23.11% | 5291.67% | -6.89% | 13.44% | -21.29% | -18.77% | -33.75% | 2.46% | -18.45% | -7.25% | 14.99% | -9.95% | -13.67% | 1.92% | 54.61% |
| Net Income | 49.73M | 45.27M | 24.69M | 34.3M | 22.55M | 16.66M | 7.89M | -237.92M | -67.48M | -74.78M | -21.22M | -14.42M | -21.75M | -31.3M | -60.97M | -34M | -74.79M | -175.26M | -18.27M | -10.46M |
| Net Margin % | 13.73% | 12.38% | 8.26% | 10.68% | 6.63% | 5.24% | 2.79% | -86.31% | -27.07% | -30.83% | -8.95% | -6.85% | -10.8% | -16.85% | -34.79% | -19.08% | -40.29% | -107.32% | -11.54% | -7.25% |
| Net Income Growth % | 120.59% | 171.83% | 212.86% | 114.41% | 133.41% | 122.27% | 137.19% | -1550.17% | -210.21% | -138.95% | 65.19% | 57.59% | 70.92% | 82.14% | -233.69% | -225.15% | -165.61% | -2883.69% | 30.44% | -275.07% |
| Net Income (Continuing) | 44.49M | 42.33M | 24.16M | 29.04M | 23.27M | 16.56M | 2.49M | -257.13M | -74.23M | -82.68M | -31.66M | -20.04M | -45.94M | -32.14M | -98.62M | -52.21M | -67M | -164.05M | -9.51M | -2.94M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 44.18M | 54.63M | 69.84M | 75.33M | 97.54M | 101.23M | 105.31M | 115.06M | 80.47M | 89.59M | 99.08M | 106.03M | 135.92M | 179.94M | 188.52M | 211.9M | 226.55M | 172.19M | 0 | 176.06M |
| EPS (Diluted) | 0.52 | 0.49 | 0.29 | 0.36 | 0.23 | 0.20 | 0.10 | -3.20 | -0.93 | -1.04 | -0.33 | -0.23 | -0.33 | -0.52 | -1.66 | -0.91 | -2.25 | -6.34 | -0.56 | -0.63 |
| EPS Growth % | 126.09% | 145% | 201.77% | 111.25% | 124.73% | 119.23% | 129.12% | -1291.3% | -181.82% | -100% | 80.12% | 74.73% | 85.33% | 91.8% | -196.43% | -44.44% | -30.81% | -1661.11% | 48.15% | -333.33% |
| EPS (Basic) | 0.59 | 0.53 | 0.29 | 0.41 | 0.27 | 0.20 | 0.10 | -3.20 | -0.93 | -1.04 | -0.33 | -0.24 | -0.36 | -0.53 | -1.66 | -0.91 | -2.25 | -6.34 | -0.56 | -0.65 |
| Diluted Shares Outstanding | 98.47M | 97.25M | 96.75M | 101.93M | 91.05M | 79.67M | 77.04M | 74.33M | 72.73M | 71.77M | 64.5M | 63.13M | 66.37M | 60.33M | 59.26M | 57.35M | 29.77M | 21.29M | 17.05M | 16.48M |
| Basic Shares Outstanding | 83.67M | 83.18M | 82.72M | 81.95M | 78.54M | 76.87M | 75.77M | 74.33M | 72.73M | 71.77M | 64.5M | 61.29M | 60.42M | 59.61M | 59.26M | 57.35M | 29.77M | 21.29M | 17.05M | 16.05M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |