Pagaya Technologies (NASDAQ: $PGY) is a fintech company that leverages a proprietary AI network to help lenders approve more consumer loan applications. The result is that it can help expand credit access to a broader base. On Monday, November 10, 2025, it released its Q3 fiscal 2025 results. Here is a breakdown of those results.
Pagaya Technologies (PGY) Q3 Results
For the third quarter of fiscal 2025, Pagaya Technologies reported an adjusted EPS of $1.02, above estimates of $0.18. This was on an adjusted net income of $93 million. It reported revenue of $350.2 million, beating estimates of $335.7 million, and a 36% YoY increase.
Other Q3 Financial Highlights
The company reported a GAAP net income of $23 million, a $90 million YoY increase. The AI-driven fintech reported a 19% YoY increase in network volume to $2.8 billion. It reported record revenue from fees less production costs of $139 million, a 39% YoY increase.
The company’s record adjusted EBITDA came in at $107 million, compared to their guidance of $90-$100 million, and a $51 million YoY increase. It reported that it raised $500 million in corporate debt, rated by all three leading credit agencies.
Pagaya Technologies reported that it had expanded its revolving credit facility to $132 million with top-tier banks, reducing the interest rate by around 35%. That has helped to substantially reduce Pagaya’s corporate debt to or below its high-yield bond coupon of 8.875%.
Pagaya Technologies Q4 Outlook
For the fourth quarter of fiscal 2025, Pagaya Technologies expects network volume of $2.65 billion to $2.9 billion. It expects total revenue and other income of $333 million to $358 million, and adjusted EBITDA of $99 million to $109 million. The company forecasts GAPP net income of $25 million to $35 million.
Stock Performance
Following the market-beating results in Q3, Pagaya Technologies (PGY) stock rose 15.53% on Monday, November 10, 2025, to $28.25 as of 11:09 AM in New York. Year to date, the stock is up 204.05%, while over the past 12 months, the stock is up 93.20%.
Over the past month, PGY shares are up 3.88%. The stock’s 52-week range is $8.20 – $44.99, an average volume of 4,351,373, and an intraday market cap of $2.164 billion.
Analysts remain upbeat about its future, giving it a strong buy rating. They forecast an average price of $40, which is a 63.60% upside based on the most recent price. The analysts give a wide range of forecasts, with a high of $54 and a low of $27.
Is Pagaya Technologies (PGY) A Buy?
In the Q3 results, Pagaya boasted that it had “record performance across all key metrics.” With revenue and volume all up by double digits, the stock’s future looks great. Best of all, its cash flow from operating activities was up to $158.82 million, a massive improvement from $19.90 million last year.
The company also now has access to cheaper credit and has managed to raise half a billion dollars from lenders. That provides it the traction it needs to continue growing. Consequently, adding PGY to your portfolio could potentially lead to a positive outcome in the medium term.
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