Revenue: As of FY2025 Q2, the actual value is USD 326.4 M.EPS: As of FY2025 Q2, the actual value is USD 0.2.EBIT: As of FY2025 Q2, the actual value is USD 21.54 M.<h3>Segment Revenue</h3><ul><li>Total Revenue and Other Income: $326 million for Q2 2025, representing a 30% increase year-over-year.</li><li>Revenue from Fees: $317.7 million for Q2 2025, up from $242.6 million in Q2 2024.</li><li>Interest Income: $10.7 million for Q2 2025, up from $8.2 million in Q2 2024.</li><li>Investment Loss Income, Net: - $2.1 million for Q2 2025, down from - $0.4 million in Q2 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income Attributable to Pagaya Shareholders: $17 million for Q2 2025, up $91 million year-over-year.</li><li>Adjusted EBITDA: $86 million for Q2 2025, up 72% year-over-year, with an adjusted EBITDA margin of 26%.</li><li>Operating Income: $56.5 million for Q2 2025, up from $5 million in Q2 2024.</li><li>Adjusted Net Income: $50.6 million for Q2 2025, up from $7.2 million in Q2 2024.</li><li>Operating Costs: $269.9 million for Q2 2025, up from $245.3 million in Q2 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: $91.8 million for the six months ended June 30, 2025, up from $27 million in the same period in 2024.</li><li>Cash Flows from Operating Activities: $57 million for the quarter.</li></ul><h3>Unique Metrics</h3><ul><li>Network Volume: $2.6 billion for Q2 2025, up 14% year-over-year.</li><li>Revenue from Fees Less Production Costs (FRLPC): $126 million for Q2 2025, up 30% year-over-year.</li><li>ABS Transactions: Raised $2.3 billion across 6 ABS transactions in Q2 2025.</li><li>AAA-rated Auto ABS Securitization: Issued first $300 million AAA-rated Auto ABS securitization.</li><li>AAA-rated POSH Point-of-Sale ABS Securitization: Issued inaugural $300 million AAA-rated POSH Point-of-Sale ABS securitization.</li><li>Forward Flow Agreement: New agreement with Castlelake to purchase up to $2.5 billion in Personal Loans over 16 months.</li></ul><h3>Outlook / Guidance</h3><ul><li>Pagaya raised its 2025 guidance for total revenue, adjusted EBITDA, and GAAP net income, reflecting strong demand and continued execution to drive profitable growth.</li><li>The company expects network volume for the full year 2025 to be between $10.5 billion and $11.5 billion, with total revenue and other income projected between $1.25 billion and $1.325 billion.</li><li>Interest expense is projected to trend lower due to recent refinancing transactions.</li></ul>

PAGAYA TECHNOLOGIES LTD C/WTS (TO PUR COM) | 8-K: FY2025 Q2 Revenue: USD 326.4 M