Form 8-K

8-K — Pagaya Technologies Ltd.

Accession: 0001628280-26-064763

Filed: 2026-10-05

Period: 2026-10-05

CIK: 0001883085

SIC: 6199 (FINANCE SERVICES)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — pgy-20261005.htm (Primary)

EX-99.1 (pagaya_investorxquality2.htm)

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GRAPHIC (pagaya_investorxquality2002.jpg)

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8-K

8-K (Primary)

Filename: pgy-20261005.htm · Sequence: 1

pgy-20261005

FALSE0001883085335 Madison Ave16th FloorNew YorkNew York00018830852026-10-052026-10-050001883085us-gaap:CommonClassAMember2026-10-052026-10-050001883085pgy:CommonStockWarrantsMember2026-10-052026-10-05

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): October 5, 2026

Commission File Number: 001-41430

Pagaya Technologies Ltd.

(Exact name of registrant as specified in its charter)

Israel

98-1704718

(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)

335 Madison Ave, 16th Floor

New York, New York

10017

(Address of principal executive offices) (Zip Code)

(646) 710-7714

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Class A Ordinary Shares, no par value PGY The NASDAQ Stock Market LLC

Warrants to purchase Class A Ordinary Shares PGYWW The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. Regulation FD Disclosure.

On October 5, 2026, Pagaya Technologies Ltd. (the “Company”) provided information related to historical characteristics of borrowers facilitated by the Company’s network. A copy of the presentation including this information is attached hereto as Exhibit 99.1.

The information contained in Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No. Description

99.1

Presentation dated October 5, 2026

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

PAGAYA TECHNOLOGIES LTD.

Date: October 5, 2026 By: /s/ Jonathan Dobres

Name: Jonathan Dobres

Title: Chief Financial Officer

EX-99.1

Filename: pagaya_investorxquality2.htm · Sequence: 2

pagaya_investorxquality2

176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 1

176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 Vintage WAC WA Loan Size WA Credit Score WA Ann. Income WA DTI WA PTI 2021-Q1 21.53% 8,076 673 $86,920 24.25% 6.70% 2021-Q2 22.28% 6,641 658 $77,595 23.10% 6.39% 2021-Q3 22.17% 6,261 653 $76,516 22.61% 6.27% 2021-Q4 21.23% 6,153 657 $84,604 22.60% 5.69% 2022-Q1 18.56% 7,655 665 $95,989 22.33% 5.78% 2022-Q2 18.71% 8,679 666 $101,917 22.39% 5.93% 2022-Q3 20.44% 8,932 665 $103,905 23.75% 5.72% 2022-Q4 20.84% 9,676 666 $108,529 24.28% 6.05% 2023-Q1 20.71% 9,886 664 $108,646 24.01% 6.28% 2023-Q2 20.42% 9,617 664 $108,583 25.07% 6.14% 2023-Q3 20.49% 9,227 667 $111,146 26.48% 6.11% 2023-Q4 20.02% 10,184 674 $117,409 26.75% 6.48% 2024-Q1 20.39% 10,386 672 $113,381 28.55% 6.74% 2024-Q2 21.05% 9,879 671 $112,905 27.50% 6.74% 2024-Q3 20.94% 9,309 668 $113,799 26.75% 6.49% 2024-Q4 21.01% 9,112 664 $113,145 26.68% 6.37% 2025-Q1 20.78% 10,328 663 $110,902 28.00% 6.91% 2025-Q2 20.64% 10,351 661 $112,229 28.17% 6.88% 2025-Q3 20.83% 10,150 659 $111,561 27.60% 6.70% 2025-Q4 20.50% 10,752 661 $114,905 27.57% 6.77% 2026-Q1 19.53% 11,241 667 $120,020 28.00% 6.75% 2026-Q2 20.13% 11,459 662 $124,538 28.02% 6.64% Personal Loan Portfolio Overview ~$11K Average Loan Size 662 Weighted Average Credit Score ~20% Weighted Average Coupon ~$125K Average Borrower Annual Income Source: Pagaya Technologies, Data as of July 2026. 2 Definitions: WAC – Weighted Average Coupon | WA Loan Size – Weighted Average Loan Size | WA Credit Score – Weighted Average Credit Score | WA Ann. Income – Weighted Average Annual Income | WA DTI – Weighted Average Debt-to-Income | WA PTI – Weighted Average Payment-to-Income Summary as of Q2’26

176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 Vintage WAC WA OT WA Credit Score WA LTV WA DTI WA PTI WA Miles WA Ann. Inc. WA Car Age 2021-Q1 20.68% 71.3 572 130% 26.66% 13.09% 51,340 $55,727 4.11 2021-Q2 20.37% 71.4 586 125% 26.32% 12.84% 56,066 $61,318 4.49 2021-Q3 20.81% 71.5 590 129% 25.51% 12.91% 63,720 $63,202 5.07 2021-Q4 21.18% 71.4 590 131% 25.04% 13.42% 68,893 $61,708 5.37 2022-Q1 19.83% 71.1 588 128% 24.71% 14.07% 69,454 $58,081 5.41 2022-Q2 19.16% 71.0 591 128% 23.63% 13.77% 69,658 $63,477 5.43 2022-Q3 20.64% 71.5 586 128% 23.74% 15.04% 69,226 $62,708 5.50 2022-Q4 21.19% 71.5 591 127% 23.34% 15.53% 65,184 $62,302 5.32 2023-Q1 21.90% 71.7 589 128% 24.71% 15.50% 56,694 $61,584 4.73 2023-Q2 20.50% 71.4 597 127% 24.05% 14.63% 54,586 $69,883 4.82 2023-Q3 20.75% 71.2 596 127% 24.47% 14.56% 54,934 $67,215 4.84 2023-Q4 21.57% 71.1 592 126% 24.96% 15.15% 53,750 $67,632 4.67 2024-Q1 20.95% 71.0 587 125% 24.84% 12.05% 54,594 $64,814 4.63 2024-Q2 20.51% 71.2 601 124% 25.02% 12.06% 53,118 $68,343 4.61 2024-Q3 21.25% 71.3 600 125% 26.43% 12.61% 51,134 $68,356 4.50 2024-Q4 20.22% 71.2 603 125% 26.09% 12.64% 47,827 $74,787 4.19 2025-Q1 20.44% 71.0 592 122% 26.19% 12.58% 45,898 $70,588 3.88 2025-Q2 20.22% 71.4 590 122% 25.60% 12.16% 37,390 $74,861 3.26 2025-Q3 20.38% 71.3 592 122% 26.01% 12.50% 36,991 $76,625 3.26 2025-Q4 20.46% 71.6 593 121% 26.12% 12.61% 35,033 $77,867 3.10 2026-Q1 18.89% 72.6 593 122% 25.90% 12.20% 31,963 $75,726 2.75 2026-Q2 17.73% 75.2 594 124% 25.40% 11.14% 23,984 $88,012 2.18 Auto Portfolio Overview 18% Weighted Average Coupon $37K Average Loan Size 594 Weighted Average Credit Score 124% Weighted Average LTV $88K Average Borrower Income Source: Pagaya Technologies, Data as of July 2026. 3 Definitions: WAC – Weighted Average Coupon | WA OT – Weighted Average Original Term | WA Credit Score – Weighted Average Credit Score | WA LTV – Weighted Average Loan-to-Value | WA DTI – Weighted Average Debt-to-Income | WA PTI – Weighted Average Payment-to-Income | WA Miles – Weighted Average Vehicle Mileage | WA Ann. Inc. – Weighted Average Annual Income | WA Car Age – Weighted Average Vehicle Age Summary as of Q2’26

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v3.26.3

Cover

Oct. 05, 2026

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