Pagaya Technologies discloses borrower profile data showing ~$11K personal loans, 662 credit score, and ~$88K auto borrower income
Pagaya Technologies disclosed borrower data for Q2 2026, showing personal loans averaged $11K with a 662 credit score and auto loans averaged $37K with a 594 score. Personal borrower income was ~$125K, while auto borrower income was ~$88K. The data was released under Regulation FD.
How this was made
The 30-second read
Why it matters
The data adds transparency to Pagaya's credit risk profile, which may influence analyst coverage and investor sentiment.
Market read
The filing is a primary disclosure of credit metrics for a fintech lender, offering modest new information for traders.
What to watch
The filing does not address loan performance trends or future loan growth, which could be more decisive for valuation.
Background
Pagaya Technologies filed an 8‑K on Oct. 5, 2026, releasing historical borrower characteristics for its loan portfolios under Regulation FD.
Ticker impact
Pagaya Technologies disclosed new borrower profile metrics for its personal and auto loan portfolios in a fresh 8‑K filing.
potential modest pressure as investors reassess credit risk metrics
New borrower credit scores and loan sizes are material for a fintech lender, but the numbers are modest and unlikely to trigger a large price move.
Market effects
Provides a data point for the fintech/online lending sector on credit quality trends.
Limited to markets where Pagaya operates; no broad regional effect.
Minimal global impact beyond niche fintech investors.
Counterpoint
Investors may view the relatively low credit scores as a sign of higher risk, potentially undervaluing the stock.
Key entities
- CompanyPagaya Technologies Ltd.
Fintech lender that originated the disclosed borrower data.
