Pagaya Technologies: Breaking Records in Q3 2025
Pagaya Technologies Ltd., an AI-driven financial technology company, has made waves in the fintech space with its stellar Q3 2025 earnings report. Outperforming Wall Street’s highest expectations, the company’s strong numbers solidify its standing as a leader in the sector.
Key Highlights of Q3 2025
Among the standout figures, Pagaya reported adjusted earnings of $1.02 per share, a significant leap from the anticipated $0.18. Revenue hit a historic $350.2 million, up 36% year-over-year, also surpassing the $335.7 million analyst consensus.
The company further impressed with a year-over-year adjusted EBITDA growth of 91%, doubling the figure to $107 million. GAAP net income also saw remarkable growth, reaching $23 million, a $90 million improvement compared to Q3 2024.
Trifecta Success: Raised Revenue Guidance for the Third Time
Pagaya maintained its upward trajectory by revising its 2025 full-year guidance upwards for the third consecutive quarter. Revenue projections now stand between $1.3 billion and $1.325 billion, reflecting the company’s confidence in its stable growth and operational efficiency. These updates align closely with analyst estimates of $1.31 billion.
Additionally, the company forecasts $372 million to $382 million in adjusted EBITDA and GAAP net income between $72 million and $82 million for the year.
Factors Driving Growth
CEO and Co-Founder Gal Krubiner credited Pagaya’s success to “prudent underwriting and consistent execution across our network.” The company experienced notable growth in its Auto and Point-of-Sale verticals, which contributed heavily to the 19% year-over-year increase in network volume to $2.8 billion. This speaks volumes about the adoption and value of the company’s lending platform.
Moreover, the company successfully executed its seventh asset-backed securitization deal of the year, securing $500 million in corporate debt and expanding its revolving credit facility to $132 million. These efforts fortified Pagaya’s financial stability and strategic initiatives.
Positive Market Reaction
Investors responded positively, with Pagaya’s stock soaring by 17.18% in pre-market trading post-earnings announcement. Despite Q4 guidance of $333 million to $358 million slightly trailing Wall Street expectations, the market remains firmly optimistic about the company’s continued growth and strong financial positioning.
Fintech Innovators Always Look Ahead
Pagaya Technologies continuously proves its capabilities as a fintech game-changer, leveraging AI to unlock new opportunities. Their ongoing success underscores the value of cutting-edge innovation in revolutionizing financial services.
For fintech enthusiasts and investors keen to explore this space further, consider diving deeper into Pagaya’s advancements. Interested in AI-driven business scaling tools? Explore Pagaya Technologies on Crunchbase to learn more about their innovative solutions.