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      "text": "Three Months Ended September 30,\n2024\n2023\nNet Loss Attributable to Pagaya Technologies Ltd.\n($67,476)\n($21,752)\nAdjusted to exclude the following:\nShare-based compensation\n$12,333\n$20,737\nFair value adjustment to warrant liability\n$1,213\n$1,328\nCredit loss impairment on certain investments\n$69,740\n$9,086\nWhole loan allowance for losses\n$12,087\n$44\nWrite-off of capitalized software\n$584\n$305\nRestructuring expenses\n$38\n$484\nTransaction-related expenses\n$1,072\n$2,472\nNon-recurring expenses\n$3,531\n$1,592\nAdjusted Net Income (Loss)\n$33,122\n$14,296\nAdjusted to exclude the following:\nInterest expenses\n$27,371\n$9,918\nProvision for income tax\n($11,524)\n($1,158)\nDepreciation and amortization\n$7,116\n$5,205\nAdjusted EBITDA\n$56,085\n$28,261",
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      "text": "PAGAYA TECHNOLOGIES LTD.\nRECONCILIATION OF NON-GAAP FINANCIAL MEASURES (UNAUDITED)\nFOR THREE MONTHS ENDED SEPTEMBER 30, 2024 AND 2023\n(in thousands)",
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