Can Pagaya Scale Faster Using Its AI-Led Credit Platform?

Key Takeaways Pagaya's AI underwriting boosts approval rates and expands credit volumes for bank and fintech partners.PGY reached a 2025 inflection, posting three straight quarters of positive net income after prior losses.Pagaya scales via a capital-light ABS model, 145 funding partners and a data flywheel that sharpens AI.Pagaya Technologies’ (PGY) business fundamentally revolves around artificial intelligence (AI)-powered decisioning and underwriting, which helps partners (banks and fintech originators) ...