Pagaya Technologies Ltd. (PGY)

NASDAQ: PGY · USD

$20.5

+0.74 (+3.7%)· Recorded snapshot

Market cap	1.7B
Revenue (ttm)	1.4B
Net income (ttm)	122.5M
EPS (ttm)	$1.39
Shares out	83.4M
P/E (trailing)	14.7x
P/E (forward)	5.3x
Volume	2,401,801
Beta	5.52

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.4B
Net income (ttm): 122.5M
EPS (ttm): $1.39
P/E (trailing): 14.7x
P/E (forward): 5.3x
Market cap: 1.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E5.3

P25 n/aP50 n/aP75 n/a

Trailing P/E14.7

P25 n/aP50 n/aP75 n/a

ROE19.5

P25 n/aP50 n/aP75 n/a

ROIC116.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PGY indicators

Market & fundamental data

Available fields

249

Groups with data

Currency

USD

Showing 249 of 249 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001883085
Company name	Pagaya Technologies Ltd.
Country	United States
Country code	US
CUSIP number	M7S64L123
Earnings date	2026-10-29
Earnings time	bmo
Employees	493
Employees change	-31
Employees growth	-5.92%
Enterprise value	$1.3B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2016
Industry	Software - Infrastructure
Is primary listing	Yes
Is SPAC	No
ISIN number	IL0011858912
Last 10-K release date	2026-03-02
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2024-03-08
Last stock split type	Reverse
Market cap	$1.7B
Market cap category	Small-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$20.51
Price currency	USD
Sector	Technology
SIC code	6199
Stock price date	2026-10-28
Symbol	PGY
U.S. state	New York
Website	https://pagaya.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.66x
Earnings yield	6.8%
EV/Earnings	10.75x
EV/EBIT	3.81x
EV/EBITDA	3.75x
EV/FCF	5.59x
EV/Sales	0.95x
FCF / EV yield	17.9%
FCF yield	13.87%
Forward EV/Sales	0.84x
Forward P/E	5.34x
Forward P/S	1.08x
Graham number	14.95704
Graham upside	-26.57%
Industry forward P/E	29.48x
Industry P/E	39.18x
P/(FCF - SBC) ratio	8.61x
P/(OCF - SBC) ratio	7.51x
P/B ratio	2.77x
P/E ratio	14.7x
P/FCF ratio	7.21x
P/OCF ratio	6.42x
P/S ratio	1.22x
Price / tangible book value	3x
Price/EBITDA ratio	4.83x
Sector forward P/E	18.55x
Sector P/E	32.64x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	24.86%
EBITDA margin	25.3%
FCF margin	16.96%
Gross margin	43.39%
Operating margin	24.86%
Pretax margin	7.1%
Profit margin	9.12%
Profit per employee	$248,564
Profitable quarters	6
Profitable years	1
Revenue per employee	$2.8M
ROA	13.97%
ROA (5Y)	-1.3%
ROCE	21.77%
ROE	19.46%
ROE (5Y)	-30.3%
ROIC	116.14%
ROIC (5Y)	12.33%
SBC / revenue	2.77%
Tax / revenue	-1.45%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (Q)	143.33%
EPS growth (QoQ)	75.48%
EPS growth quarters	6
EPS growth years	1
FCF growth	143.73%
FCF growth (Q)	33.06%
FCF growth (QoQ)	78.1%
FCF growth 5Y	71.96%
Gross profit growth	23.76%
Gross profit growth (Q)	24.75%
Gross profit growth 3Y	29.2%
Gross profit growth 5Y	37.91%
Net income growth (Q)	171.83%
Net income growth (QoQ)	83.36%
Net income growth quarters	6
Net income growth years	1
OCF growth	135.27%
OCF growth (Q)	30.26%
OCF growth (QoQ)	72.99%
OCF growth 5Y	72.77%
Operating income growth	118.14%
Operating income growth (Q)	87.36%
Operating income growth 5Y	379.71%
Revenue growth	20.55%
Revenue growth (Q)	18.58%
Revenue growth (QoQ)	21.73%
Revenue growth 3Y	21.28%
Revenue growth 5Y	40.26%
Revenue growth quarters	16
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-29M
Depreciation and amortization	$6.1M
EBIT	$345.5M
EBITDA	$351.6M
EPS	$1.39
FCF per share	$2.83
Financing cash flow	$85.9M
Free cash flow	$235.8M
Free cash flow minus SBC	$197.3M
Gross profit	$603.1M
Income taxes	$-20.1M
Investing cash flow	$-292.4M
Net borrowing	$130.1M
Net cash flow	$62.4M
Net income	$122.5M
Operating cash flow minus SBC	$226.2M
Operating income	$345.5M
Revenue	$1.4B
Stock-based compensation	$38.5M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.89
Book value per share	$7.13
Debt / EBITDA	2.54
Debt / equity	1.34
Debt / FCF	3.85
Goodwill	$22.9M
Long-term assets	$145.7M
Long-term liabilities	$908.1M
Net cash (debt)	$382M
Net cash / market cap	22.48%
Net debt / EBITDA	-1.09
Net debt / equity	-0.56
Net debt / FCF	-1.62
Piotroski F-Score	7
Property, plant and equipment	$60M
Shareholders' equity	$678.9M
Tangible book value	$566.4M
Tangible book value per share	$6.80
Total assets	$1.7B
Total cash	$1.3B
Total debt	$907.3M
Total liabilities	$1B
WACC	22.56%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.9
Current assets	$1.5B
Current liabilities	$106.1M
Current ratio	14.58
Net working capital	$151.9M
Quick ratio	14.06
Working capital	$1.4B
Working capital turnover	1.79

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-23.24%
Dividend yield	0%
Shareholder yield	-23.24%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$17.03
1D price change	3.72%
1M price change	15.72%
1M total return	15.72%
1W price change	11.18%
1W total return	11.18%
1Y price change	-29.71%
1Y return CAGR	-29.73%
1Y total return	-29.71%
20-day SMA	$18.29
200-day SMA	$16.52
3M price change	20.22%
3M total return	20.22%
3Y price change	51.71%
3Y return CAGR	14.9%
3Y total return	51.71%
50-day SMA	$19.76
50-day SMA vs 200-day SMA	50over200
52-week high	$29.75
52-week high date	2025-11-10
52-week low	$10.40
52-week low date	2026-03-19
5Y price change	-82.91%
5Y return CAGR	-29.77%
5Y total return	-82.91%
6M price change	53.42%
6M total return	53.42%
All-time high	$414.00
All-time high date	2022-08-02
All-time low	$6.84
All-time low date	2022-12-16
Average true range (ATR)	$1.02
Average volume	1.9M
Beta (1Y)	3.17
Beta (2Y)	2.51
Beta (5Y)	5.52
Change from 52-week high	-31.08%
Change from 52-week low	97.16%
Change from all-time high	-95.07%
Change from all-time low	198.06%
Change from open	3.67%
Day's gap	0.05%
Dollar volume	$49.2M
High price	$20.59
Low price	$19.76
Monthly RSI	48.48
Open price	$19.78
Position in 52-week range	89.76%
Premarket change	-0.86%
Premarket close	$19.77
Premarket price	$19.60
Premarket volume	20K
Previous close	$19.77
Price vs 150-day SMA	19.72%
Price vs 20-day SMA	11.47%
Price vs 200-day SMA	23.44%
Price vs 50-day SMA	3.18%
Relative volume	1.26
RSI	61.14
Sharpe ratio	-0.16
Sharpe ratio (3Y)	0.57
Sharpe ratio (5Y)	0.28
Sortino ratio	-0.15
Sortino ratio (3Y)	0.91
Sortino ratio (5Y)	0.56
Volume	2.4M
Weekly RSI	55.47
YTD price change	-2.44%
YTD total return	-2.44%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	70.5M
Float percentage	84.48%
Shares change (QoQ)	0.52%
Shares change (YoY)	23.24%
Shares held by insiders	15.48%
Shares held by institutions	42.91%
Shares outstanding	83.4M
Short % of float	14.36%
Short % of shares	12.13%
Short ratio	4.4 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	142

Deeper analysis on PGY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PGY report

Is a complete PGY research report available?

No complete published report is available for Pagaya Technologies Ltd. (PGY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Pagaya Technologies Ltd. (PGY)

Price

Financial snapshot

Fair-value bridge

Latest news · PGY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PGY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on PGY

Frequently asked questions