Pagaya Technologies Ltd. (PGY) Q2 2026 Earnings Call Transcript

Greetings. Welcome to the Pagaya Second Quarter 2026 Earnings Call. Please note, this conference is being recorded. I will now turn the conference over to Craig Smith, Investor Relations at Pagaya Technologies. Thank you, Craig. You may begin. Craig Smyth Thank you, and welcome to Pagaya's Second Quarter 2026 Earnings Conference Call. Joining me today to talk about our business and results are Gal Krubiner, Chief Executive Officer of Pagaya; Sanjiv Das, President; and Jon Dobres, Chief Financial Officer. You can find the materials that accompany our prepared remarks and a replay of today's webcast on the Investor Relations section of our website at investor.pagaya.com. Our remarks today will include forward-looking statements that are based on our current expectations and forecasts with respect to, among other things, our operations and financial performance, including our financial outlook for the third quarter and the full year of 2026. Our actual results may differ materially from those contemplated by these forward-looking statements. Factors that could cause these results to differ materially from our expectations include, but are not limited to, those risks described in our press release today and our filings with the U.S. Securities and Exchange Commission. We undertake no obligation to update any forward-looking statements as a result