Pagaya Technologies Ltd. is classed by the SEC under Finance Services (industry code 6199), based in New York, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.3 billion and a profit of $71 million (its filed statements).
Lending businessFinance ServicesNew York, NYfilings since 20218 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.4 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.6 out of ten, present 6.9 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.4 out of ten. No warning events in its filings since 2021. 84th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.9 out of ten. +67.4% a year over 6 filed years; profitable in 2 of 6. 79th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 3.2 out of ten. Share count grew 29.5% a year. 0% of cash flow returned. Insiders: 35 sales, 2 purchases. 32nd percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.8 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 64%: owes 64¢ per asset dollar. 68th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.4 out of ten. top 26% of 114 in its family; net margin 6.3%. 74th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 6.5 out of ten. CrossAssetData estimate 6.5/10, confidence 35 of 100 (one part). 65th percentile among 93 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 5.9 out of ten. top 41% of 108 in its family for room to expand. 59th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.5 out of ten. bottom 35% of 100 in its family for growth drivers. 35th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 7.1 out of ten. top 29% of 79 in its family for expectations against reality. 71st percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-02 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 4, 2026-10-05. Filings on record since 2021. Read from EDGAR 2026-10-12.
Who runs it
Krubiner, Gal (Chief Executive Officer); Pardo, Avital (Deputy Chief Executive Officer); Yulzari, Yahav (Deputy Chief Executive Officer); Das, Sanjiv (President); Dobres, Jonathan (Chief Financial Officer); Perros, Evangelos (Chief Financial Officer); Rosen, Tami (Chief Development Officer); Vieira, Cory (Chief Accounting Officer); Gardner, Jason M. (director); Davis, Alison (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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