Pagaya Technologies Ltd.

315.00

MXN

-10.00

(-3.08%)

21.46EPS

Oct 29Next Earn

Profitability (USD)

Profitability Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-4,058.37	-108.98	-23.07	-90.59	20.18
Return on Assets (%)	- -	-22.94	-36.97	-11.4	-32.12	5.74
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	46.5	47.89	34.19	34.14	40.51	40.61
EBITDA Margin (%)	23.48	-1.12	-35.78	-0.68	9.52	23.3
Operating Margin (%)	15.24	-7.74	-45.96	-8.23	3.9	17.74
Incremental Operating Margin (%)	- -	- -	- -	287.62	44.35	71.91
Pretax Margin (%)	23.11	-13.83	-40.32	-23.44	-41.92	4.09
Profit Margin (%)	15.77	-20.44	-44.11	-16.62	-39.96	6.45
Net Income to Common Margin (%)	15.77	-20.44	-44.11	-16.62	-39.96	6.45
Effective Tax Rate (%)	6.02	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-4,058.37	-108.98	-23.07	-90.59	20.18

Credit (USD)

Credit Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	38	212	413	681	858
ST Debt	- -	- -	70	45	37	34
LT Debt	- -	38	142	368	644	824
Total Debt/EBITDA	- -	-7.59	-0.87	-78.24	7.12	2.92
Net Debt/EBITDA	-0.24	30.61	0.63	-33.23	6.1	2
Total Debt/EBIT	- -	-6.53	-0.84	-16.91	10.19	3.25
Net Debt/EBIT	-0.24	26.32	0.62	-7.18	8.72	2.23
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.57	0.22	52.96	46.32	25.29	31.05
Long-Term Debt/Equity (%)	- -	7.83	18.54	55.27	145.79	148.42
Long-Term Debt/Capital (%)	- -	7.26	14.51	34.12	57.36	58.3
Long-Term Debt/Total Assets (%)	- -	6.42	13.58	30.45	49.86	53.32
Total Debt/Equity (%)	- -	7.83	27.73	61.97	154.19	154.58
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt/Total Assets (%)	- -	6.42	20.31	34.14	52.73	55.53
Net Debt to Equity	-2.61	-31.56	-20.27	26.32	131.96	106.05
Net Debt/Capital (%)	-2.68	-46.11	-23.23	19.65	62.35	49.97
EBITDA	22	-5	-245	-5	96	294
EBITDA-CapEx	20	-12	-268	-25	72	280
Operating Income (Loss)	14	-35	-315	-64	39	224

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	14.68	7.01	2.43	2.52	7.57	9.08
Current Ratio	18.04	8.6	3.28	4.05	9.04	11.06
Quick Ratio	17.87	8.18	3.04	3.69	8.65	10.57
CFO/Avg Current Liab	- -	3.02	-0.51	-0.21	0.46	1.82
Common Equity/Total Assets	1.57	0.22	52.96	46.32	25.29	31.05
Long-Term Debt/Equity (%)	- -	7.83	18.54	55.27	145.79	148.42
Long-Term Debt/Capital (%)	- -	7.26	14.51	34.12	57.36	58.3
Long-Term Debt/Total Assets (%)	- -	6.42	13.58	30.45	49.86	53.32
Total Debt/Equity (%)	- -	7.83	27.73	61.97	154.19	154.58
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt/Total Assets (%)	- -	6.42	20.31	34.14	52.73	55.53
CFO/Total Liabilities	41.96	47.05	-14.3	-3.99	5.62	24.09
CFO/CapEx	3.88	7.52	-1.79	-1.07	2.05	17.16
Altman's Z-Score	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	19.75	14.97	11.14	9.72	9
Days Sales Outstanding	- -	18.48	24.38	32.76	37.54	40.57
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	5	191	310	186	188	235
+ Preferred Equity and Hybrid Capital	106	307	- -	- -	- -	- -
+ Minority/Non Controlling Interest	85	176	212	106	115	75
+ Total Debt	- -	38	212	413	681	858
Enterprise Value	- -	- -	- -	- -	- -	- -
Total Capital	194	522	978	1,078	1,122	1,414
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt / EV	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -
TTM Sales	92	446	685	773	1,005	1,261
TTM EBITDA	22	-5	-245	-5	96	294
TTM Operating Income	14	-35	-315	-64	39	224
TTM Cash Flow to Firm	4	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	3	- -	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	57	654	57	62	74	82
Diluted Weighted Avg Shares	57	57	58	60	71	83
Basic Weighted Avg Shares	57	57	38	60	71	78
Revenue per Share	1.62	7.88	17.92	12.87	14.17	16.1
EBITDA per Share	0.38	-0.09	-6.41	-0.09	1.35	3.75
Operating Income per Share	0.25	-0.61	-8.23	-1.06	0.55	2.86
Basic EPS, GAAP	0.26	-1.61	-7.9	-2.14	-5.66	1.04
Basic EPS from Cont Ops	0.35	-1.23	-7.65	-3.28	-6.29	0.91
Diluted EPS, GAAP	0.26	-1.61	-5.19	-2.14	-5.66	0.98
Diluted EPS from Cont Ops	0.35	-1.23	-5.02	-3.28	-6.29	0.86
Dividend per Share	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.08	0.88	-1.05	-0.36	0.67	3.05
Free Cash Flow per Basic Share	0.06	0.76	-1.63	-0.7	0.35	2.87
Cash & Equivalents per Share	1.11	0.31	5.46	3.05	13.38	14.56
Book Value per Share	0.06	- -	9.72	9.02	4.42	5.85
Tangible Book Value per Share	0.06	- -	9.72	8.8	3.93	5.48

Profitability (USD)

Profitability Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-4,058.37	-108.98	-23.07	-90.59	20.18
Return on Assets (%)	- -	-22.94	-36.97	-11.4	-32.12	5.74
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	46.5	47.89	34.19	34.14	40.51	40.61
EBITDA Margin (%)	23.48	-1.12	-35.78	-0.68	9.52	23.3
Operating Margin (%)	15.24	-7.74	-45.96	-8.23	3.9	17.74
Incremental Operating Margin (%)	- -	- -	- -	287.62	44.35	71.91
Pretax Margin (%)	23.11	-13.83	-40.32	-23.44	-41.92	4.09
Profit Margin (%)	15.77	-20.44	-44.11	-16.62	-39.96	6.45
Net Income to Common Margin (%)	15.77	-20.44	-44.11	-16.62	-39.96	6.45
Effective Tax Rate (%)	6.02	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-4,058.37	-108.98	-23.07	-90.59	20.18

Credit (USD)

Credit Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	38	212	413	681	858
ST Debt	- -	- -	70	45	37	34
LT Debt	- -	38	142	368	644	824
Total Debt/EBITDA	- -	-7.59	-0.87	-78.24	7.12	2.92
Net Debt/EBITDA	-0.24	30.61	0.63	-33.23	6.1	2
Total Debt/EBIT	- -	-6.53	-0.84	-16.91	10.19	3.25
Net Debt/EBIT	-0.24	26.32	0.62	-7.18	8.72	2.23
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.57	0.22	52.96	46.32	25.29	31.05
Long-Term Debt/Equity (%)	- -	7.83	18.54	55.27	145.79	148.42
Long-Term Debt/Capital (%)	- -	7.26	14.51	34.12	57.36	58.3
Long-Term Debt/Total Assets (%)	- -	6.42	13.58	30.45	49.86	53.32
Total Debt/Equity (%)	- -	7.83	27.73	61.97	154.19	154.58
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt/Total Assets (%)	- -	6.42	20.31	34.14	52.73	55.53
Net Debt to Equity	-2.61	-31.56	-20.27	26.32	131.96	106.05
Net Debt/Capital (%)	-2.68	-46.11	-23.23	19.65	62.35	49.97
EBITDA	22	-5	-245	-5	96	294
EBITDA-CapEx	20	-12	-268	-25	72	280
Operating Income (Loss)	14	-35	-315	-64	39	224

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	14.68	7.01	2.43	2.52	7.57	9.08
Current Ratio	18.04	8.6	3.28	4.05	9.04	11.06
Quick Ratio	17.87	8.18	3.04	3.69	8.65	10.57
CFO/Avg Current Liab	- -	3.02	-0.51	-0.21	0.46	1.82
Common Equity/Total Assets	1.57	0.22	52.96	46.32	25.29	31.05
Long-Term Debt/Equity (%)	- -	7.83	18.54	55.27	145.79	148.42
Long-Term Debt/Capital (%)	- -	7.26	14.51	34.12	57.36	58.3
Long-Term Debt/Total Assets (%)	- -	6.42	13.58	30.45	49.86	53.32
Total Debt/Equity (%)	- -	7.83	27.73	61.97	154.19	154.58
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt/Total Assets (%)	- -	6.42	20.31	34.14	52.73	55.53
CFO/Total Liabilities	41.96	47.05	-14.3	-3.99	5.62	24.09
CFO/CapEx	3.88	7.52	-1.79	-1.07	2.05	17.16
Altman's Z-Score	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	19.75	14.97	11.14	9.72	9
Days Sales Outstanding	- -	18.48	24.38	32.76	37.54	40.57
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	5	191	310	186	188	235
+ Preferred Equity and Hybrid Capital	106	307	- -	- -	- -	- -
+ Minority/Non Controlling Interest	85	176	212	106	115	75
+ Total Debt	- -	38	212	413	681	858
Enterprise Value	- -	- -	- -	- -	- -	- -
Total Capital	194	522	978	1,078	1,122	1,414
Total Debt/Capital (%)	- -	7.26	21.71	38.26	60.66	60.72
Total Debt / EV	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -
TTM Sales	92	446	685	773	1,005	1,261
TTM EBITDA	22	-5	-245	-5	96	294
TTM Operating Income	14	-35	-315	-64	39	224
TTM Cash Flow to Firm	4	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	3	- -	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	57	654	57	62	74	82
Diluted Weighted Avg Shares	57	57	58	60	71	83
Basic Weighted Avg Shares	57	57	38	60	71	78
Revenue per Share	1.62	7.88	17.92	12.87	14.17	16.1
EBITDA per Share	0.38	-0.09	-6.41	-0.09	1.35	3.75
Operating Income per Share	0.25	-0.61	-8.23	-1.06	0.55	2.86
Basic EPS, GAAP	0.26	-1.61	-7.9	-2.14	-5.66	1.04
Basic EPS from Cont Ops	0.35	-1.23	-7.65	-3.28	-6.29	0.91
Diluted EPS, GAAP	0.26	-1.61	-5.19	-2.14	-5.66	0.98
Diluted EPS from Cont Ops	0.35	-1.23	-5.02	-3.28	-6.29	0.86
Dividend per Share	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.08	0.88	-1.05	-0.36	0.67	3.05
Free Cash Flow per Basic Share	0.06	0.76	-1.63	-0.7	0.35	2.87
Cash & Equivalents per Share	1.11	0.31	5.46	3.05	13.38	14.56
Book Value per Share	0.06	- -	9.72	9.02	4.42	5.85
Tangible Book Value per Share	0.06	- -	9.72	8.8	3.93	5.48