Pagaya Technologies Ltd. (PGY) Q3 2025 Earnings Call

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WEBVTT 00:00:01.246 -- 00:00:05.613 Greetings. Welcome to Pagaya Third Quarter 2025 Earnings Call. 00:00:05.613 -- 00:00:08.757 At this time, all participants are in a listen-only mode. 00:00:08.757 -- 00:00:12.443 A question and answer session will follow the formal presentation. 00:00:12.443 -- 00:00:16.970 If anyone should require operator assistance during the conference, please press star 00:00:16.970 -- 00:00:21.377 zero on your telephone keypad. Please note this conference is being recorded. 00:00:21.377 -- 00:00:25.803 I will now turn the conference over to Josh Fagan, Head of Investor Relations. 00:00:25.803 -- 00:00:28.027 Thank you. You may begin. Josh Fagan 00:00:28.027 -- 00:00:31.974 Thank you and welcome to Pagaya's third quarter 2025 00:00:31.974 -- 00:00:35.780 earnings conference call. Joining me today to talk about our business and results are 00:00:35.780 -- 00:00:41.109 Gal Kruveter, Chief Executive Officer of Pagaya, Sanjeev Das, President, 00:00:41.109 -- 00:00:44.074 and Evangelos Peros, Chief Financial Officer. 00:00:44.074 -- 00:00:47.861 You can find the materials that accompany our prepared remarks in a replay of today's 00:00:47.861 -- 00:00:53.186 webcast on the investor relations section of our website at investor.pagaya.com. 00:00:54.419 -- 00:00:57.583 Our remarks today will include forward-looking statements that are based on our current 00:00:57.583 -- 00:01:02.829 expectations and forecasts with respect to, among other things, our operations and financial 00:01:02.829 -- 00:01:06.453 performance, including our financial outlook for the fourth quarter and full year of 00:01:06.453 -- 00:01:07.915 2025. 00:01:07.915 -- 00:01:11.840 Our actual results may differ materially from those contemplated by these forward-looking 00:01:11.840 ...