Pagaya Technologies Ltd. (PGY)

NCM – Real Time Price. Currency in USD

20.30

-0.90 (-4.25%)

Market open: Aug 12, 2026, 3:08 PM EDT

21.11

-0.09 (-0.44%)

Previous after-hours: Aug 11, 2026, 7:59 PM EDT

Stock details

Previous close: 20.28$
Day's range: 20.24 - 21.3$
52-week range: 10.4 - 44.99$
Volume: 946 524
Average volume: 3 847 929
Beta: 3.31
EPS (TTM): 1.5
PE ratio (TTM): 15.68
Forward P/E: 11.95
Market cap: 1 691 876 198
Shares outstanding: 83 425 848
Dividend yield: N/A
Next earnings date: 2026-11-17
Sector: Technology
Industry: Software - Infrastructure

About the company

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its netwo... read more

CEO: Gal Krubiner
Country: United States
IPO Date
Employees: 511
Fiscal Year End: January - December
Website: https://pagaya.com

Revenue Breakdown

Data Science, Machine Learning and Artificial Intelligence Technology / 100.00%

News

No Data

There are no news for this stock.

Chart: PGY

Loading Chart...

Overall Score

5.7 / 1057%

Octagon View

Strength & Weakness

Total debt $937.4M significantly exceeds cash reserves ($304.4M), raising financial stability concerns

Total current assets $494.9M exceed Total current liabilities $337.2M, highlighting excellent liquidity

Debt-to-equity ratio (1.4) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $71.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.47	2.79	7.0
Quick ratio	1.47	2.14	7.0
Debt to Equity	1.58	0.37	4.0
Debt to Assets	0.55	18.75	4.0
Interest coverage	N/A	-1.16	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	685M	773M	1B	1.26B	1.33B
Gross Profit	234M	264M	384M	493M	527M
Operating Income	-315M	-64M	54M	243M	303M
Net Income	-302M	-128M	-401M	81M	127M
EBITDA	-309M	-45M	83M	273M	326M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	39.47	51.85	8.0
Operating margin %	25.53	-0.03	10
Net margin %	12.38	-5.00	9.0
EBITDA margin %	26.60	3.45	8.0
Cash flow margin %	20.43	8.46	10
Weighted average score			9.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.78	-18.74	3.0
ROE	6.73	8.11	5.0
ROIC	2.51	-70.24	5.0
ROCE	5.81	0.38	6.0
Weighted average score			4.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	9.17	105.31	8.0
Next quarter	14.63	39.2	9.0
Current year	13.04	82.56	9.0
Next year	16.3	36.32	9.5
Weighted average score			8.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	22.29	83.34	75	78.1	10
Y/Y	15.08	171.83	145	33.06	9.8
3y average	22.77	-11.56	9.44	371.51	6.8
5y average	101.61	-598.85	9.44	427.35	6.8
Weighted average score					8.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	15.32	1.68	4.0
PEG (5yr expected)	0.04	1.46	10
P/S	1.51	7.96	7.0
P/B	3.03	2.78	4.4
Weighted average score			6.4

DCF Model

DCF Model Period5 years

Discount rate12%

Perpetual growth rate3%

Revenue 5 year CAGR57.28%

FCF 5 year CAGR4

Fair value8.92$

Stock price20.2$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$8.92

UndervaluedStock priceOvervalued

$20.2

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Gal Krubiner

Country

United States

IPO Date

Employees

511

Fiscal Year End

January - December

Website

https://pagaya.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.47

2.79

7.0

Quick ratio

1.47

2.14

7.0

Debt to Equity

1.58

0.37

4.0

Debt to Assets

0.55

18.75

4.0

Interest coverage

N/A

-1.16

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

685M

773M

1.26B

1.33B

Gross Profit

234M

264M

384M

493M

527M

Operating Income

-315M

-64M

54M

243M

303M

Net Income

-302M

-128M

-401M

81M

127M

EBITDA

-309M

-45M

83M

273M

326M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

39.47

51.85

8.0

Operating margin %

25.53

-0.03

Net margin %

12.38

-5.00

9.0

EBITDA margin %

26.60

3.45

8.0

Cash flow margin %

20.43

8.46

Weighted average score

9.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.78

-18.74

3.0

ROE

6.73

8.11

5.0

ROIC

2.51

-70.24

5.0

ROCE

5.81

0.38

6.0

Weighted average score

4.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

9.17

105.31

8.0

Next quarter

14.63

39.2

9.0

Current year

13.04

82.56

9.0

Next year

16.3

36.32

9.5

Weighted average score

8.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

22.29

83.34

78.1

Y/Y

15.08

171.83

145

33.06

9.8

3y average

22.77

-11.56

9.44

371.51

6.8

5y average

101.61

-598.85

9.44

427.35

6.8

Weighted average score

8.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

15.32

1.68

4.0

PEG (5yr expected)

0.04

1.46

P/S

1.51

7.96

7.0

P/B

3.03

2.78

4.4

Weighted average score

6.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

Search stocks

Pagaya Technologies Ltd. (PGY)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

Pagaya Technologies Ltd. (PGY)

Stock details

About the company

Revenue Breakdown

News

Chart: PGY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$8.92

$20.2

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: PGY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$8.92

$20.2

Economic Moat