Pagaya Technologies Ltd. filed an -K on October 5, 2026, to disclose updated credit metrics regarding its personal and auto loan portfolios. The company provided historical data covering loan performance and borrower characteristics through the second quarter of 2026.
For the personal loan portfolio, the data indicates a weighted average coupon of approximately 20%. The average loan size has grown to about $11,000, and the weighted average credit score stands at 662. Borrower metrics include a weighted average annual income of $125,000 and a weighted average debt-to-income ratio of 6.64%.
Regarding the auto loan portfolio, the weighted average coupon is 18%. The average loan size is $37,000, and the weighted average credit score is 594. The weighted average loan-to-value ratio is 124%, with an average borrower annual income of $88,000.
The filing includes a detailed vintage table showing delinquency rates and other metrics for both portfolios from 2021 through 2026. The data is sourced from Pagaya Technologies and is current as of July 2026.
