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Filed: 2026-08-18 AccNo: 0001628280-26-057738 Size: 232 KB Item 5.07: Submission of Matters to a Vote of Security Holders
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Filed: 2026-07-30 AccNo: 0001883085-26-000052 Size: 8 MB Item 2.02: Results of Operations and Financial Condition Item 7.01: Regulation FD Disclosure Item 9.01: Financial Statements and Exhibits
Read original at edgarUpstart and Pagaya Technologies both use AI to revolutionize lending by replacing traditional credit scores. Upstart generated $1.1B in revenue with $53.6M net income but faces risks from high customer concentration and negative free cash flow of -$166.1M. Pagaya achieved $1.3B revenue with $81.4M net income and positive free cash flow of $224.7M, trading at lower valuations. For long-term investors, Pagaya appears to offer a more balanced opportunity due to its superior financial health and less direct exposure to borrower defaults.
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