Spoken Alpha
Pagaya Technologies Ltd.
Pagaya provides AI-powered lending technology that connects financial institutions with investors to facilitate consumer credit access. The company operates a network platform offering products including decline monetization, dual look, and point-of-sale financing across personal loans, auto loans, and other asset classes.
Pagaya Technologies Ltd.
Behavioral analysis
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
History
Reported quarters with consensus, surprise, and 1-day reaction context.
Spoken Alpha tracks PGYWW's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 9/10 quarters
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for PGYWW.
$ curl https://api.spokenalpha.com/v1/companies/PGYWWFAQ
Spoken Alpha indexes PGYWW's earnings call transcripts at https://spokenalpha.com/companies/PGYWW. Each call links to attributed speakers and parsed analyst Q&A. Pagaya Technologies Ltd.'s own investor relations page is at https://investor.pagaya.com/.
Repeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 3 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $0.56 | $0.59 | -5.1% | +3.2% | +2.6% |
| Q4 FY2026 | $0.45 | $0.49 | -8.0% | -5.1% | -3.2% |
| Q3 FY2026 | $0.50 | $0.55 | -9.7% | -0.7% | +1.0% |
| Q2 FY2026 | $0.67 | $0.66 | +0.9% | +2.0% | +2.9% |
| Q1 FY2025 | $0.56 | $0.59 | -5.4% | +3.5% | +1.5% |
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
| Q4 FY2025 |
| $0.76 |
| $0.82 |
| -7.8% |
| +4.6% |
| +4.2% |
| Q3 FY2025 | $0.61 | $0.65 | -6.7% | +3.5% | +4.4% |
| Q2 FY2025 | $0.70 | $0.73 | -3.5% | +5.7% | +5.4% |
| Q1 FY2024 | $0.68 | $0.69 | -1.6% | -0.6% | -3.0% |
| Q4 FY2024 | $0.80 | $0.89 | -10.4% | -0.6% | -2.2% |