PGY
Pagaya Technologies Ltd.
Company overview
- Market capitalization
- —
- Employees
- 511
- Latest publication
- 2026-09-29
About Pagaya Technologies Ltd.
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
Financial statements
Income Quarterly
| Metric | Q2 20262026-06-30 · USD | Q1 20262026-03-31 · USD | Q3 20252025-09-30 · USD | Q2 20252025-06-30 · USD | Q2 20202020-06-30 · USD | Q1 20202020-03-31 · USD |
|---|---|---|---|---|---|---|
| Total Revenue | 387,042,000USD | 317,944,000USD | 339,887,000USD | 317,714,000USD | 13,128,500USD | 13,128,500USD |
| Cost Of Revenue | 218,715,000USD | 177,561,000USD | 200,574,000USD | 191,465,000USD | 6,855,000USD | 6,855,000USD |
| Gross Profit | 168,327,000USD | 140,383,000USD | 139,313,000USD | 126,249,000USD | 6,273,500USD | 6,273,500USD |
| Research Development | 17,348,000USD | 15,940,000USD | 18,236,000USD | 18,455,000USD | 2,640,000USD | 2,640,000USD |
| Selling And Marketing Expenses | 10,087,000USD | 11,132,000USD | — | — | 799,000USD | 799,000USD |
| General And Administrative Expenses | 35,093,000USD | — | — | — | — | — |
| Total Operating Expenses | 62,528,000USD | 60,383,000USD | 59,355,000USD | 69,780,000USD | 4,929,000USD | 4,929,000USD |
| Operating Income | 105,799,000USD | 80,000,000USD | 79,958,000USD | 56,469,000USD | 1,344,500USD | 1,344,500USD |
| Total Other Income Expense Net | -64,553,000USD | -52,690,000USD | -71,895,000USD | -34,928,000USD | -25,500USD | -25,500USD |
| Interest Income | 22,205,000USD | 17,666,000USD | 14,918,000USD | 10,739,000USD | — | — |
| Income Before Tax | 41,246,000USD | 27,310,000USD | 8,063,000USD | 21,541,000USD | 1,319,000USD | 1,319,000USD |
| Income Tax Expense | -1,088,000USD | 3,149,000USD | -15,210,000USD | 4,978,000USD | 56,500USD | 56,500USD |
| Net Income | 42,334,000USD | 24,694,000USD | 22,545,000USD | 16,655,000USD | 1,262,500USD | 1,262,500USD |
| Minority Interest | -2,939,000USD | 533,000USD | -728,000USD | 92,000USD | — | — |
| Selling General Administrative | — | 11,132,000USD | 36,944,000USD | 40,349,000USD | 1,240,000USD | 1,240,000USD |
| Unclassified Operating Expenses | — | 22,179,000USD | 4,175,000USD | 10,976,000USD | — | — |
| Net Interest Income | — | 17,666,000USD | 14,918,000USD | 10,739,000USD | — | — |
| Tax Provision | — | 3,149,000USD | -15,210,000USD | 4,978,000USD | — | — |
| Net Income From Continuing Ops | — | 24,161,000USD | 23,273,000USD | 16,563,000USD | — | — |
| Ebit | — | 27,310,000USD | 8,063,000USD | 47,785,000USD | 1,344,500USD | 1,344,500USD |
| Ebitda | — | 28,560,000USD | 15,699,000USD | 55,378,000USD | 1,399,500USD | 1,399,500USD |
| Depreciation And Amortization | — | 1,250,000USD | 7,636,000USD | 7,593,000USD | 55,000USD | 55,000USD |
| Reconciled Depreciation | — | 3,862,000USD | 7,636,000USD | 7,593,000USD | — | — |
| Interest Expense | — | — | — | — | 440,750USD | 440,750USD |
| Source | DisclosureDeterministicFinal | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy |
Balance sheet Quarterly
| Metric | Q2 20262026-06-30 · USD | Q1 20262026-03-31 · USD | Q4 20252025-12-31 · USD | Q3 20252025-09-30 · USD | Q2 20252025-06-30 · USD | Q1 20252025-03-31 · USD | Q4 20242024-12-31 · USD | Q3 20242024-09-30 · USD |
|---|---|---|---|---|---|---|---|---|
| Total Assets | 1,693,107,000USD | 1,648,643,000USD | 1,545,914,000USD | 1,455,376,000USD | 1,399,043,000USD | 1,278,365,000USD | 1,291,072,000USD | 1,370,775,000USD |
| Cash And Equivalents | 249,257,000USD | — | — | — | — | — | — | — |
| Total Liabilities | 1,014,221,000USD | — | — | — | — | — | — | — |
| Total Stockholder Equity | 594,153,000USD | 529,309,000USD | 480,017,000USD | 438,295,000USD | 366,752,000USD | 335,490,000USD | 326,491,000USD | 462,309,000USD |
| Total Equity Including Noncontrolling Interest | 648,783,000USD | — | — | — | — | — | — | — |
| Property Plant Equipment Net | 59,981,000USD | 60,378,000USD | 60,799,000USD | 64,574,000USD | 68,175,000USD | 71,506,000USD | 74,850,000USD | 73,446,000USD |
| Goodwill | 22,903,000USD | — | — | — | — | — | — | — |
| Intangible Assets | 4,801,000USD | 6,231,000USD | 7,661,000USD | 9,091,000USD | 10,521,000USD | 11,671,000USD | 12,821,000USD | 638,000USD |
| Retained Earnings | -792,687,000USD | -837,960,000USD | -862,654,000USD | -896,950,000USD | -919,495,000USD | -936,150,000USD | -944,043,000USD | -706,121,000USD |
| Accumulated Other Comprehensive Income | -21,992,000USD | -32,276,000USD | -48,319,000USD | -45,290,000USD | -33,065,000USD | -27,370,000USD | -11,488,000USD | -90,432,000USD |
| Other Current Assets | — | 114,458,000USD | 64,627,000USD | 46,453,000USD | 30,093,000USD | 25,896,000USD | 28,359,000USD | 41,831,000USD |
| Total Liab | — | 1,049,491,000USD | 990,563,000USD | 919,541,000USD | 931,064,000USD | 837,562,000USD | 849,526,000USD | 828,000,000USD |
| Other Current Liab | — | 63,472,000USD | 93,322,000USD | 74,575,000USD | 39,882,000USD | 33,621,000USD | 45,362,000USD | 32,550,000USD |
| Capital Stock | — | 0USD | 0USD | 0USD | 0USD | 0USD | 0USD | 0USD |
| Good Will | — | 22,903,000USD | 22,903,000USD | 22,903,000USD | 22,903,000USD | 22,903,000USD | 23,062,000USD | 10,945,000USD |
| Other Assets | — | 1,146,481,000USD | — | 1,059,083,000USD | — | — | — | — |
| Cash | — | 317,813,000USD | 235,329,000USD | 218,314,000USD | 182,986,000USD | 186,797,000USD | 187,921,000USD | 147,099,000USD |
| Cash And Short Term Investments | — | 1,259,180,000USD | 1,194,116,000USD | 218,314,000USD | 204,505,000USD | 206,462,000USD | 195,718,000USD | 158,350,000USD |
| Total Current Assets | — | 1,544,326,000USD | 1,454,551,000USD | 264,767,000USD | 362,473,000USD | 355,563,000USD | 351,479,000USD | 298,461,000USD |
| Total Current Liabilities | — | 238,148,000USD | 131,465,000USD | 114,597,000USD | 254,473,000USD | 198,695,000USD | 195,494,000USD | 254,453,000USD |
| Current Deferred Revenue | — | 8,500,000USD | — | — | — | — | — | -2,370,000USD |
| Net Debt | — | 610,185,000USD | 623,155,000USD | 584,106,000USD | 580,728,000USD | 491,944,000USD | 492,891,000USD | 539,984,000USD |
| Short Term Debt | — | 147,319,000USD | 34,212,000USD | 34,958,000USD | 190,097,000USD | 142,382,000USD | 133,282,000USD | 213,698,000USD |
| Short Long Term Debt | — | 114,700,000USD | — | — | 183,166,000USD | 135,808,000USD | 126,829,000USD | 208,207,000USD |
| Short Long Term Debt Total | — | 927,998,000USD | 858,484,000USD | 802,420,000USD | 763,714,000USD | 678,741,000USD | 680,812,000USD | 687,083,000USD |
| Long Term Debt | — | 780,679,000USD | 824,272,000USD | 767,462,000USD | 544,464,000USD | 507,785,000USD | 516,919,000USD | 445,692,000USD |
| Long Term Investments | — | 14,805,000USD | — | 902,583,000USD | 868,029,000USD | 762,371,000USD | 778,255,000USD | 937,909,000USD |
| Short Term Investments | — | 941,367,000USD | 958,787,000USD | — | 21,519,000USD | 19,665,000USD | 7,797,000USD | 11,251,000USD |
| Net Receivables | — | 170,688,000USD | 195,808,000USD | 154,976,000USD | 127,875,000USD | 123,205,000USD | 127,402,000USD | 98,280,000USD |
| Accounts Payable | — | 3,796,000USD | 3,931,000USD | 5,064,000USD | 9,191,000USD | 10,006,000USD | 6,992,000USD | 5,835,000USD |
| Property Plant Equipment Gross | — | 60,378,000USD | 141,433,000USD | 64,574,000USD | 68,175,000USD | 71,506,000USD | 130,048,000USD | 73,446,000USD |
| Common Stock Shares Outstanding | — | 96,700,000shares | 101,926,483shares | 91,046,530shares | 79,667,635shares | 77,043,464shares | 74,334,181shares | 72,728,667shares |
| Non Current Assets Total | — | 104,317,000USD | 91,363,000USD | 1,190,609,000USD | 1,036,570,000USD | 922,802,000USD | 939,593,000USD | 1,072,314,000USD |
| Non Current Liabilities Total | — | 811,343,000USD | 859,098,000USD | 804,944,000USD | 676,591,000USD | 638,867,000USD | 654,032,000USD | 573,547,000USD |
| Non Currrent Assets Other | — | 993,607,000USD | 54,165,000USD | 191,458,000USD | 66,942,000USD | 54,351,000USD | 50,605,000USD | 49,376,000USD |
| Net Working Capital | — | 1,306,178,000USD | 1,323,086,000USD | 150,170,000USD | 108,000,000USD | 156,868,000USD | 155,985,000USD | 44,008,000USD |
| Unclassified Non Current Assets | — | -2,140,088,000USD | -54,165,000USD | -1,059,083,000USD | — | — | — | — |
| Unclassified Current Liabilities | — | -99,639,000USD | — | — | -167,863,000USD | -123,122,000USD | -116,971,000USD | -205,837,000USD |
| Unclassified Non Current Liabilities | — | 30,664,000USD | 34,826,000USD | 37,482,000USD | 132,127,000USD | 131,082,000USD | 137,113,000USD | 127,855,000USD |
| Unclassified Equity | — | 1,399,545,000USD | 1,390,990,000USD | 1,380,535,000USD | 1,319,312,000USD | 1,299,010,000USD | 1,282,022,000USD | 1,258,862,000USD |
| Unclassified Current Assets | — | — | — | -154,976,000USD | — | — | — | — |
| Source | DisclosureDeterministicFinal | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy |
Balance sheet Yearly
| Metric | FY 20252025-12-31 · USD | FY 20242024-12-31 · USD | FY 20232023-12-31 · USD | FY 20222022-12-31 · USD | FY 20212021-12-31 · USD | FY 20202020-12-31 · USD | FY 20192019-12-31 · USD |
|---|---|---|---|---|---|---|---|
| Total Assets | 1,545,914,000USD | 1,291,072,000USD | 1,208,376,000USD | 1,045,079,000USD | 590,258,000USD | 204,272,000USD | 58,626,000USD |
| Intangible Assets | 7,661,000USD | 12,821,000USD | 2,550,000USD | — | 31,174,000USD | 12,036,000USD | — |
| Other Current Assets | 64,627,000USD | 28,359,000USD | 27,012,000USD | 49,797,000USD | 11,896,000USD | 1,525,000USD | 1,718,000USD |
| Total Liab | 990,563,000USD | 849,526,000USD | 542,627,000USD | 279,656,000USD | 105,859,000USD | 10,146,000USD | 1,638,000USD |
| Total Stockholder Equity | 480,017,000USD | 326,491,000USD | 559,721,000USD | 553,520,000USD | 308,339,000USD | 109,181,000USD | 32,187,000USD |
| Other Current Liab | 93,322,000USD | 45,362,000USD | 28,562,000USD | 49,496,000USD | 17,093,000USD | 3,686,000USD | 1,484,000USD |
| Capital Stock | 0USD | 0USD | 0USD | 0USD | 3,000USD | 3,000USD | — |
| Retained Earnings | -862,654,000USD | -944,043,000USD | -542,637,000USD | -414,199,000USD | -111,878,000USD | 2,885,000USD | -11,585,000USD |
| Good Will | 22,903,000USD | 23,062,000USD | 10,945,000USD | 0USD | — | — | — |
| Cash | 235,329,000USD | 187,921,000USD | 186,478,000USD | 309,793,000USD | 190,778,000USD | 5,066,000USD | 4,828,000USD |
| Cash And Short Term Investments | 1,194,116,000USD | 195,718,000USD | 188,968,000USD | 310,800,000USD | 200,940,000USD | 62,635,000USD | 14,907,000USD |
| Total Current Assets | 1,454,551,000USD | 351,479,000USD | 303,402,000USD | 419,816,000USD | 246,535,000USD | 76,972,000USD | 20,890,000USD |
| Total Current Liabilities | 131,465,000USD | 195,494,000USD | 74,925,000USD | 128,018,000USD | 28,673,000USD | 4,267,000USD | 1,638,000USD |
| Net Debt | 623,155,000USD | 492,891,000USD | 226,106,000USD | -97,535,000USD | -152,873,000USD | -5,066,000USD | -4,828,000USD |
| Short Term Debt | 34,212,000USD | 133,282,000USD | 44,616,000USD | 70,359,000USD | — | — | — |
| Short Long Term Debt Total | 858,484,000USD | 680,812,000USD | 412,584,000USD | 212,258,000USD | 37,905,000USD | 2,471,000USD | — |
| Long Term Debt | 824,272,000USD | 516,919,000USD | 324,028,000USD | 92,802,000USD | 37,905,000USD | — | — |
| Short Term Investments | 958,787,000USD | 7,797,000USD | 2,490,000USD | 1,007,000USD | 10,162,000USD | 57,569,000USD | 10,079,000USD |
| Net Receivables | 195,808,000USD | 127,402,000USD | 87,422,000USD | 59,219,000USD | 33,699,000USD | 12,812,000USD | 4,265,000USD |
| Accounts Payable | 3,931,000USD | 6,992,000USD | 1,286,000USD | 1,739,000USD | 11,580,000USD | 581,000USD | 154,000USD |
| Property Plant Equipment Net | 60,799,000USD | 74,850,000USD | 97,286,000USD | 92,740,000USD | 7,648,000USD | 1,534,000USD | 727,000USD |
| Property Plant Equipment Gross | 141,433,000USD | 130,048,000USD | 124,016,000USD | 92,740,000USD | 8,885,000USD | 1,956,000USD | — |
| Accumulated Other Comprehensive Income | -48,319,000USD | -11,488,000USD | 444,000USD | -713,000USD | -307,047,000USD | 0USD | — |
| Common Stock Shares Outstanding | 83,097,227shares | 70,879,807shares | 60,038,893shares | 38,253,737shares | 16,276,048shares | 18,380,550shares | 15,933,670shares |
| Non Current Assets Total | 91,363,000USD | 939,593,000USD | 904,974,000USD | 625,263,000USD | 343,723,000USD | 127,300,000USD | 37,736,000USD |
| Non Current Liabilities Total | 859,098,000USD | 654,032,000USD | 467,702,000USD | 151,638,000USD | 77,186,000USD | 5,879,000USD | — |
| Non Currrent Assets Other | 54,165,000USD | 50,605,000USD | 53,507,000USD | 37,979,000USD | 37,971,000USD | 15,153,000USD | -37,736,000USD |
| Net Working Capital | 1,323,086,000USD | 155,985,000USD | 228,477,000USD | 291,798,000USD | 217,862,000USD | 72,705,000USD | — |
| Unclassified Non Current Assets | -54,165,000USD | — | — | -37,979,000USD | -69,145,000USD | -27,189,000USD | 37,009,000USD |
| Unclassified Non Current Liabilities | 34,826,000USD | 137,113,000USD | 140,432,000USD | 47,697,000USD | -39,435,000USD | -2,471,000USD | — |
| Unclassified Equity | 1,390,990,000USD | 1,282,022,000USD | 1,101,914,000USD | 968,432,000USD | 727,258,000USD | 106,290,000USD | 43,769,000USD |
| Short Long Term Debt | — | 126,829,000USD | 37,685,000USD | 61,829,000USD | — | — | — |
| Long Term Investments | — | 778,255,000USD | 740,686,000USD | 488,863,000USD | 292,423,000USD | 110,613,000USD | — |
| Unclassified Current Liabilities | — | -116,971,000USD | -37,685,000USD | -55,405,000USD | — | — | — |
| Other Assets | — | — | 1USD | 43,660,000USD | 43,652,000USD | 15,153,000USD | — |
| Current Deferred Revenue | — | — | 461,000USD | — | — | — | — |
| Inventory | — | — | 1USD | 22,539,000USD | 10,345,000USD | 410,000USD | — |
| Non Current Liabilities Other | — | — | 3,242,000USD | 1,400,000USD | 27,469,000USD | 2,471,000USD | — |
| Other Liab | — | — | — | 9,739,000USD | 39,281,000USD | 5,879,000USD | — |
| Net Tangible Assets | — | — | — | 553,520,000USD | 1,292,000USD | 3,200,000USD | -11,426,000USD |
| Unclassified Current Assets | — | — | — | -22,539,000USD | -10,345,000USD | — | — |
| Deferred Long Term Liab | — | — | — | — | 11,966,000USD | — | — |
| Common Stock | — | — | — | — | 3,000USD | 3,000USD | 3,000USD |
| Source | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy |
Cash flow Quarterly
| Metric | Q1 20262026-03-31 · USD | Q4 20252025-12-31 · USD | Q3 20252025-09-30 · USD | Q2 20252025-06-30 · USD | Q1 20252025-03-31 · USD | Q4 20242024-12-31 · USD | Q3 20242024-09-30 · USD | Q2 20242024-06-30 · USD |
|---|---|---|---|---|---|---|---|---|
| Net Income | 24,694,000USD | 34,296,000USD | 23,273,000USD | 16,655,000USD | 7,893,000USD | -257,126,000USD | -74,231,000USD | -82,679,000USD |
| Depreciation | 3,862,000USD | 7,126,000USD | 7,636,000USD | 7,593,000USD | 7,722,000USD | 8,278,000USD | 7,116,000USD | 7,042,000USD |
| Stock Based Compensation | 7,196,000USD | 9,136,000USD | 13,582,000USD | 18,228,000USD | 13,172,000USD | 15,645,000USD | 12,333,000USD | 18,044,000USD |
| Other Non Cash Items | 38,478,000USD | 48,491,000USD | 54,620,000USD | 40,125,000USD | 42,875,000USD | 253,820,000USD | 85,223,000USD | 56,680,000USD |
| Change To Account Receivables | -17,448,000USD | 1,895,000USD | -6,046,000USD | -13,288,000USD | -8,844,000USD | -8,672,000USD | -3,013,000USD | -4,782,000USD |
| Change In Working Capital | -31,046,000USD | -10,116,000USD | -32,065,000USD | -7,023,000USD | -24,063,000USD | 11,446,000USD | -37,548,000USD | 10,208,000USD |
| Total Cash From Operating Activities | 43,184,000USD | 79,797,000USD | 67,046,000USD | 57,350,000USD | 34,427,000USD | 32,063,000USD | -7,107,000USD | 9,295,000USD |
| Capital Expenditures | -3,176,000USD | -3,086,000USD | -3,240,000USD | -3,800,000USD | -3,776,000USD | -9,476,000USD | -4,236,000USD | -4,380,000USD |
| Free Cash Flow | 40,008,000USD | 76,711,000USD | 63,806,000USD | 53,550,000USD | 30,651,000USD | 22,587,000USD | -11,343,000USD | 4,915,000USD |
| Investments | -12,740,000USD | -96,934,000USD | -57,339,000USD | -125,306,000USD | -26,886,000USD | -35,968,000USD | -111,390,000USD | -120,401,000USD |
| Total Cashflows From Investing Activities | -15,916,000USD | -100,179,000USD | -57,339,000USD | -125,306,000USD | -26,886,000USD | -35,968,000USD | -105,787,000USD | -114,205,000USD |
| Net Borrowings | 69,559,000USD | 55,931,000USD | 25,902,000USD | 81,291,000USD | -2,196,000USD | -3,101,000USD | 20,316,000USD | — |
| Total Cash From Financing Activities | 64,235,000USD | 42,691,000USD | 12,258,000USD | 78,431,000USD | -3,779,000USD | 48,782,000USD | 25,472,000USD | 63,691,000USD |
| Change In Cash | 91,682,000USD | 23,582,000USD | 22,733,000USD | 1,911,000USD | -1,596,000USD | 45,471,000USD | -86,879,000USD | -42,122,000USD |
| Begin Period Cash Flow | 288,349,000USD | 264,767,000USD | 242,034,000USD | 204,920,000USD | 206,516,000USD | 181,047,000USD | 267,926,000USD | 310,048,000USD |
| End Period Cash Flow | 380,031,000USD | 288,349,000USD | 264,767,000USD | 206,831,000USD | 204,920,000USD | 226,518,000USD | 181,047,000USD | 267,926,000USD |
| Other Cashflows From Investing Activities | -37,995,000USD | 16,318,000USD | -16,000,000USD | — | 159,000USD | -5,500,000USD | -262,566,000USD | -125,000USD |
| Other Cashflows From Financing Activities | -6,126,000USD | -13,790,000USD | -16,212,000USD | -3,978,000USD | -4,442,000USD | 51,883,000USD | -1,371,000USD | -2,205,000USD |
| Unclassified Investing Cash Flow | 37,995,000USD | -16,477,000USD | 19,240,000USD | 3,800,000USD | 3,617,000USD | 14,976,000USD | 272,405,000USD | 10,701,000USD |
| Issuance Of Capital Stock | — | 0USD | 0USD | 0USD | 0USD | 0USD | 6,527,000USD | 18,000USD |
| Unclassified Operating Cash Flow | — | -9,136,000USD | — | -18,228,000USD | -13,172,000USD | — | — | — |
| Unclassified Financing Cash Flow | — | — | 2,568,000USD | 1,118,000USD | 2,859,000USD | — | — | 65,878,000USD |
| Source | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy |
Cash flow Yearly
| Metric | FY 20252025-12-31 · USD | FY 20242024-12-31 · USD | FY 20232023-12-31 · USD | FY 20222022-12-31 · USD | FY 20212021-12-31 · USD | FY 20202020-12-31 · USD | FY 20192019-12-31 · USD |
|---|---|---|---|---|---|---|---|
| Net Income | 81,389,000USD | -445,698,000USD | -196,739,000USD | -302,321,000USD | -69,523,000USD | 19,922,000USD | -5,620,000USD |
| Depreciation | 30,077,000USD | 28,753,000USD | 19,127,000USD | 6,294,000USD | 815,000USD | 290,000USD | 91,000USD |
| Stock Based Compensation | 54,118,000USD | 61,497,000USD | 71,055,000USD | 241,689,000USD | 67,785,000USD | 156,000USD | 74,000USD |
| Other Non Cash Items | 200,421,000USD | 419,876,000USD | 137,019,000USD | 297,963,000USD | 53,595,000USD | -331,000USD | 1,126,000USD |
| Change To Account Receivables | -26,283,000USD | -24,004,000USD | -20,740,000USD | -46,453,000USD | -27,555,000USD | -19,720,000USD | -3,783,000USD |
| Change In Working Capital | -73,267,000USD | 2,092,000USD | -20,885,000USD | -41,936,000USD | -2,861,000USD | -15,780,000USD | -3,617,000USD |
| Total Cash From Operating Activities | 238,620,000USD | 66,520,000USD | 9,577,000USD | -40,000,000USD | 49,811,000USD | 4,257,000USD | -7,946,000USD |
| Capital Expenditures | -13,902,000USD | -23,237,000USD | -20,189,000USD | -22,406,000USD | -6,624,000USD | -1,097,000USD | -666,000USD |
| Free Cash Flow | 224,718,000USD | 43,283,000USD | -10,612,000USD | -62,406,000USD | 43,187,000USD | 3,160,000USD | -8,612,000USD |
| Investments | -279,808,000USD | -498,645,000USD | -389,697,000USD | -265,419,000USD | 39,346,000USD | -48,003,000USD | 32,000USD |
| Total Cashflows From Investing Activities | -309,710,000USD | -498,645,000USD | -412,693,000USD | -159,950,000USD | -140,740,000USD | -122,757,000USD | -36,239,000USD |
| Net Borrowings | 160,928,000USD | 294,073,000USD | 207,082,000USD | 116,726,000USD | 37,905,000USD | 37,905,000USD | -1,736,000USD |
| Total Cash From Financing Activities | 129,601,000USD | 436,688,000USD | 289,096,000USD | 332,451,000USD | 289,624,000USD | 119,502,000USD | 46,538,000USD |
| Issuance Of Capital Stock | 0USD | 101,821,000USD | 78,043,000USD | 291,872,000USD | 172,645,000USD | 64,810,000USD | — |
| Change In Cash | 81,833,000USD | 3,977,000USD | -114,535,000USD | 134,554,000USD | 198,695,000USD | 1,002,000USD | 4,878,000USD |
| Begin Period Cash Flow | 206,516,000USD | 222,541,000USD | 337,076,000USD | 197,778,000USD | 5,880,000USD | 4,878,000USD | — |
| End Period Cash Flow | 288,349,000USD | 226,518,000USD | 222,541,000USD | 332,332,000USD | 204,575,000USD | 5,880,000USD | 4,878,000USD |
| Other Cashflows From Investing Activities | 318,000USD | -5,500,000USD | 1,608,000USD | -243,013,000USD | 53,412,000USD | -48,353,000USD | -35,573,000USD |
| Other Cashflows From Financing Activities | -25,762,000USD | 40,794,000USD | 54,122,000USD | -142,551,000USD | 251,719,000USD | 119,502,000USD | 46,538,000USD |
| Unclassified Operating Cash Flow | -54,118,000USD | — | — | -241,689,000USD | — | — | — |
| Unclassified Investing Cash Flow | -16,318,000USD | 28,737,000USD | -4,415,000USD | 370,888,000USD | -226,874,000USD | -25,304,000USD | — |
| Unclassified Financing Cash Flow | -5,565,000USD | — | 28,542,000USD | 66,404,000USD | -172,645,000USD | -102,715,000USD | 1,736,000USD |
| Sale Purchase Of Stock | — | — | -650,000USD | — | — | — | — |
| Change To Inventory | — | — | — | 46,453,000USD | 17,073,000USD | 5,816,000USD | — |
| Change To Liabilities | — | — | — | -3,592,000USD | 7,621,000USD | -1,876,000USD | -40,000USD |
| Source | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy | Legacy providerLegacy |
Operating metrics
No operating metrics are currently published for this company.
Revenue breakdown
| Period | Dimension | Business / region | Revenue | Currency | Source |
|---|---|---|---|---|---|
| Q2 2026Quarterly · 2026-06-30 | Product | Financial Service | 47,200,000 | USD | Disclosure |
| Q2 2026Quarterly · 2026-06-30 | Product | Network AIFees | 318,400,000 | USD | Disclosure |
| Q1 2026Quarterly · 2026-03-31 | Product | Financial Service | 32,100,000 | USD | 0001883085-26-000031 |
| Q1 2026Quarterly · 2026-03-31 | Product | Network AIFees | 266,900,000 | USD | 0001883085-26-000031 |
| Q4 2025Quarterly · 2025-12-31 | Product | Financial Service | 31,700,000 | USD | Legacy provider |
| Q4 2025Quarterly · 2025-12-31 | Product | Network AIFees | 289,300,000 | USD | Legacy provider |
| FY 2025Yearly · 2025-12-31 | Geography | IL | 0 | USD | 0001883085-26-000018 |
| FY 2025Yearly · 2025-12-31 | Geography | KY | 0 | USD | 0001883085-26-000018 |
| FY 2025Yearly · 2025-12-31 | Geography | United States | 1,261,341,000 | USD | 0001883085-26-000018 |
| FY 2025Yearly · 2025-12-31 | Product | Financial Service | 130,000,000 | USD | 0001883085-26-000018 |
| FY 2025Yearly · 2025-12-31 | Product | Network AIFees | 1,131,300,000 | USD | 0001883085-26-000018 |
| Q3 2025Quarterly · 2025-09-30 | Product | Financial Service | 35,300,000 | USD | 0001883085-25-000195 |
| Q3 2025Quarterly · 2025-09-30 | Product | Network AIFees | 304,600,000 | USD | 0001883085-25-000195 |
| Q2 2025Quarterly · 2025-06-30 | Product | Financial Service | 31,800,000 | USD | 0001883085-25-000169 |
| Q2 2025Quarterly · 2025-06-30 | Product | Network AIFees | 285,900,000 | USD | 0001883085-25-000169 |
| Q1 2025Quarterly · 2025-03-31 | Product | Financial Service | 31,200,000 | USD | 0001883085-26-000031 |
| Q1 2025Quarterly · 2025-03-31 | Product | Network AIFees | 251,500,000 | USD | 0001883085-26-000031 |
| Q4 2024Quarterly · 2024-12-31 | Product | Financial Service | 25,900,000 | USD | Legacy provider |
| Q4 2024Quarterly · 2024-12-31 | Product | Network AIFees | 249,900,000 | USD | Legacy provider |
| FY 2024Yearly · 2024-12-31 | Geography | IL | 0 | USD | 0001883085-26-000018 |
| FY 2024Yearly · 2024-12-31 | Geography | KY | 0 | USD | 0001883085-26-000018 |
| FY 2024Yearly · 2024-12-31 | Geography | United States | 1,004,550,000 | USD | 0001883085-26-000018 |
| FY 2024Yearly · 2024-12-31 | Product | Financial Service | 88,500,000 | USD | 0001883085-26-000018 |
| FY 2024Yearly · 2024-12-31 | Product | Network AIFees | 916,100,000 | USD | 0001883085-26-000018 |
| Q3 2024Quarterly · 2024-09-30 | Product | Financial Service | 20,100,000 | USD | 0001883085-25-000195 |
| Q3 2024Quarterly · 2024-09-30 | Product | Network AIFees | 229,100,000 | USD | 0001883085-25-000195 |
| FY 2023Yearly · 2023-12-31 | Geography | IL | 0 | USD | 0001883085-26-000018 |
| FY 2023Yearly · 2023-12-31 | Geography | KY | 0 | USD | 0001883085-26-000018 |
| FY 2023Yearly · 2023-12-31 | Geography | United States | 772,814,000 | USD | 0001883085-26-000018 |
| FY 2023Yearly · 2023-12-31 | Product | Financial Service | 76,800,000 | USD | 0001883085-26-000018 |
| FY 2023Yearly · 2023-12-31 | Product | Network AIFees | 696,000,000 | USD | 0001883085-26-000018 |
| FY 2022Yearly · 2022-12-31 | Geography | IL | 0 | USD | 0001883085-25-000050 |
| FY 2022Yearly · 2022-12-31 | Geography | KY | 285,000 | USD | 0001883085-25-000050 |
| FY 2022Yearly · 2022-12-31 | Geography | United States | 685,129,000 | USD | 0001883085-25-000050 |
| FY 2022Yearly · 2022-12-31 | Product | Financial Service | 86,400,000 | USD | 0001883085-25-000050 |
| FY 2022Yearly · 2022-12-31 | Product | Network AIFees | 599,000,000 | USD | 0001883085-25-000050 |
| FY 2021Yearly · 2021-12-31 | Geography | IL | 3,771,000 | USD | 0001883085-24-000060 |
| FY 2021Yearly · 2021-12-31 | Geography | KY | 32,237,000 | USD | 0001883085-24-000060 |
| FY 2021Yearly · 2021-12-31 | Geography | United States | 409,858,000 | USD | 0001883085-24-000060 |
| FY 2021Yearly · 2021-12-31 | Product | Financial Service | 58,800,000 | USD | 0001883085-24-000060 |
| FY 2021Yearly · 2021-12-31 | Product | Network AIFees | 387,100,000 | USD | 0001883085-24-000060 |
Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.