PGYNasdaqFinance ServicesFiscal year ends December 31Also trades as PGYWW
Pagaya Technologies Ltd.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026
$17.43+0.20 (+1.16%)
Close on Oct 19, 2026
- Market cap
- $1.70B
- P/E (TTM)
- 12.7
- Dividend yield
- –
Pagaya Technologies statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Finance Services companies for comparison
Valuation
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Market Cap | $1.49B | $196.46M |
| Enterprise Value | $1.29B | $149.54M |
| PE Ratio | 12.72 | 11.82 |
| PS Ratio | 1.07 | 2.60 |
| PB Ratio | 2.51 | 1.17 |
| P/TBV Ratio | 2.63 | 1.35 |
| P/FCF Ratio | 5.92 | 11.82 |
| P/OCF Ratio | 5.63 | 5.60 |
Enterprise value
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| EV / Sales | 0.93 | 2.38 |
| EV / EBITDA | 3.52 | 5.29 |
| EV / EBIT | 3.75 | 10.12 |
| EV / FCF | 5.14 | 10.53 |
Income (trailing twelve months)
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Revenue | $1.39B | $66.09M |
| Gross Profit | $603.06M | $1.84M |
| Operating Income | $345.48M | -$13.30M |
| Pretax Income | $98.69M | -$3.63M |
| Net Income | $126.81M | -$4.73M |
| EBITDA | $368.02M | -$9.63M |
| EPS (Diluted) | $1.37 | -$0.01 |
Margins
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Gross Margin | 43.4% | 41.7% |
| Operating Margin | 24.9% | -119.4% |
| Pretax Margin | 7.10% | -16.6% |
| Profit Margin | 9.12% | -19.9% |
| EBITDA Margin | 26.5% | -66.1% |
| FCF Margin | 18.1% | -29.5% |
Returns
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Return on Equity (ROE) | 26.4% | -22.3% |
| Return on Assets (ROA) | 8.20% | -11.1% |
| Return on Invested Capital (ROIC) | 136.2% | -31.2% |
Growth
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 20.5% | 20.3% |
| FCF Growth (YoY) | 160.3% | 18.7% |
| Revenue Growth (3Y CAGR) | 20.2% | 5.87% |
| Revenue Growth (5Y CAGR) | 67.4% | 10.4% |
| EPS Growth (5Y CAGR) | 31.1% | 8.99% |
Balance sheet
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $249.26M | $20.41M |
| Net Cash (Debt) | $249.26M | $7.08M |
| Net Cash Per Share | $2.92 | $0.22 |
| Equity (Book Value) | $594.15M | $200.96M |
| Book Value Per Share | $6.95 | $3.89 |
| Tangible Book Value | $566.45M | $127.80M |
Cash flow (trailing twelve months)
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Operating Cash Flow | $264.73M | -$5.82M |
| Capital Expenditures | -$12.95M | -$4.19M |
| Free Cash Flow | $251.78M | -$17.98M |
| FCF Per Share | $2.95 | -$0.27 |
Efficiency
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Asset Turnover | 0.90 | 0.17 |
| Revenue Per Employee | $2.68M | $705.30K |
| Profits Per Employee | $244.80K | -$252.56K |
| Employee Count | 518 | 48 |
Dividends and yields
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Earnings Yield | 8.51% | -11.5% |
| FCF Yield | 16.9% | -16.1% |
Shares
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Shares Outstanding | 85,453,000 | 55,074,600 |
| Shares Change (YoY) | 23.2% | 12.9% |
| Float | 63,312,600 | 41,965,050 |
| Shares Held by Insiders | 25.9% | 18.6% |
| Shares Held by Institutions | 37.8% | 34.2% |
Taxes
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Income Tax | -$20.12M | $100.87K |
| Effective Tax Rate | -20.4% | 22.5% |
Scores
| Measure | Pagaya Technologies | Industry median |
|---|---|---|
| Graham Number | $14.64 | $32.57 |
| Graham Upside | -16.0% | 12.5% |
| Altman Z-Score | 1.72 | 0.30 |
| Piotroski F-Score | 7 | 4 |
Calculated by StockData from Pagaya Technologies's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.