This is a routine investor relations data update with no new financial information or guidance. Monitor upcoming quarterly earnings for actual performance trends.
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Executive Summary
Pagaya filed an 8-K under Item 7.01 disclosing an investor presentation with historical borrower characteristics for its personal loan and auto loan portfolios. The presentation shows stable weighted-average credit scores (~662 for personal loans, ~594 for auto), rising average loan sizes, and stable weighted-average coupons (~20% for personal loans, ~18% for auto) as of Q2 2026. No financial results, guidance, or material new information was provided — this is a routine data update.
Key Facts
- Filed under Item 7.01 (Regulation FD) — not deemed filed for Exchange Act purposes
- Presentation covers personal loan and auto loan portfolio characteristics as of July 2026
- Personal loan portfolio: ~$11K avg loan size, 662 WACS, ~20% WAC, ~$125K avg borrower income
- Auto portfolio: ~$37K avg loan size, 594 WACS, ~18% WAC, 124% WALTV, ~$88K avg borrower income
- No financial results, guidance, or forward-looking statements included
Financial Impact
No financial impact — presentation contains only historical portfolio metrics
Risk Factors
- No material risks identified from this filing
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-064763 |
| Document: pagaya_investorxquality2.htm | 0001628280-26-064763 |
| Document: 0001628280-26-064763-index-headers.html | 0001628280-26-064763 |
| Document: 0001628280-26-064763-index.html | 0001628280-26-064763 |
| Document: 0001628280-26-064763.txt | 0001628280-26-064763 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 5, 2026 21d ago | Insider Cluster | $18.05 | awaiting T+20 | — | $18.88 (+4.60%) |
Oct 5, 2026 21d ago | 8-K | $18.40 | awaiting T+20 | — | $18.88 (+2.61%) |
Sep 29, 2026 26d ago | Insider Cluster | $17.32 | awaiting T+20 | — | $18.88 (+9.01%) |
Sep 18, 2026 5w ago | Insider Cluster | $20.90 $17.43 | ▲ +16.60% | ▲ +15.70% | $18.88 (+9.67%) |
Sep 15, 2026 5w ago | Insider Cluster | $21.64 $16.81 | ▼ −22.32% | ▼ −24.38% | $18.88 (−12.75%) |
Sep 15, 2026 5w ago | Insider Cluster | $21.64 $16.81 | ▼ −22.32% | ▼ −24.38% | $18.88 (−12.75%) |
Sep 3, 2026 7w ago | 3 | $22.98 $18.40 | ▼ −19.93% | ▼ −20.53% | $18.88 (−17.84%) |
Aug 4, 2026 11w ago | Insider Cluster | $21.92 $20.94 | ▼ −4.47% | ▼ −3.23% | $18.88 (−13.87%) |
Jul 30, 2026 12w ago | 8-K | $17.64 $23.26 | ▲ +31.86% | ▲ +27.89% | $18.88 (+7.03%) |
Jun 29, 2026 17w ago | Insider Cluster | $18.25 $16.96 | ▼ −7.07% | ▼ −6.04% | $18.88 (+3.45%) |
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