Key Takeaways Pagaya shows resilience across credit cycles with AI underwriting and a broad capital network.The company posted three straight quarters of positive GAAP net income with 10.5% volume growth.Pagaya expects $10.5-$10.75B in 2025 network volume as funding diversification supports results.Pagaya Technologies (PGY) has become one of the more stable fintech players in a market still dealing with high interest rates, changing credit conditions and uneven consumer spending. Its artificial intelligence ...