AGAYA Q3 Letter to Shareholders DATE ISSUED November 10, 2025 " Our results demonstrate another quarter of prudent underwriting and consistent execution across our network as we raise full- year guidance for the third consecutive quarter. Our pipeline has never been stronger, as lenders across asset classes recognize the unique and powerful value proposition the Pagaya network provides. With our partners, we are committed to bridging Main Street and Wall Street for the long run." Gal Krubiner | Co-founder a ...