Pagaya Technologies Beats Q4 Earnings Expectations

The AI-powered fintech firm reported $0.80 EPS, exceeding consensus estimates of $0.75.

Published on Feb. 9, 2026

Got story updates? Submit your updates here. ›

Pagaya Technologies (NASDAQ:PGY), a financial technology company that applies artificial intelligence and machine learning to the credit and asset management industries, reported its fourth-quarter earnings results on Monday. The company posted earnings per share of $0.80, topping the consensus estimate of $0.75. However, Pagaya's revenue of $334.81 million fell short of the $348.75 million analysts had expected.

Why it matters

Pagaya's ability to exceed earnings expectations despite missing on revenue highlights the company's strong performance in leveraging its AI-powered platform to drive profitability. As a leading fintech firm in the credit and asset management space, Pagaya's results are closely watched by investors seeking exposure to innovative financial technologies.

The details

Pagaya reported a positive return on equity of 31.59% for the quarter, though it also had a negative net margin of 15.32%. The company's stock opened at $18.64 on Monday, down from a 52-week high of $44.99. Pagaya has been expanding its operations to serve financial institutions and asset managers primarily in the United States since its founding in 2016.

  • Pagaya Technologies reported its Q4 2025 earnings results on Monday, February 9, 2026.
  • The company's stock opened at $18.64 on the day of the earnings release.

The players

Pagaya Technologies

A financial technology company that applies artificial intelligence and machine learning to the credit and asset management industries.

Sanjiv Das

The president of Pagaya Technologies, who sold 3,945 shares of the company's stock on January 5, 2026.

Tami Rosen

An insider at Pagaya Technologies, who sold 7,561 shares of the company's stock on December 19, 2025.

Got photos? Submit your photos here. ›

The takeaway

Pagaya Technologies' ability to exceed earnings expectations despite missing revenue targets demonstrates the company's strong performance in leveraging its AI-powered platform to drive profitability. As a leading fintech firm in the credit and asset management space, Pagaya's results are closely watched by investors seeking exposure to innovative financial technologies.