Pagaya Technologies Ltd.

Pagaya Technologies Ltd.

PGY
Pagaya Technologies Ltd.US flagNASDAQ Capital Market
17.48
USD
+0.39
- -
1.45BMarket Cap
Pagaya Technologies Ltd.
PGY
(NASDAQ Capital Market)

Recent

price

17.48

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
TTM
FRC
1.62
7.88
17.92
12.87
14.17
16.1
15.97
Revenue per Share
0.26
-1.61
-7.9
-2.14
-5.66
1.04
1.23
Basic EPS, GAAP
0.06
0.76
-1.63
-0.7
0.35
2.87
2.93
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.05
-1.98
-10.83
-9.04
-13.32
-11.01
-10.47
Book Value per Share
1.56
3.13
20.01
10.86
5.72
6.7
7.12
Tangible Book Value per Share
57
57
38
60
71
78
80
Basic Weighted Avg Shares
92
446
685
773
1,005
1,261
1,278
Sales/Revenue/Turnover
15.24
-7.74
-45.96
-8.23
3.9
17.74
19.13
Operating Margin (%)
- -
1
6
19
29
30
26
Depreciation Expense
14
-91
-302
-128
-401
81
98
Net Income, GAAP
6.02
- -
- -
- -
- -
- -
34.64
Effective Tax Rate (%)
15.77
-20.44
-44.11
-16.62
-39.96
6.45
7.69
Profit Margin (%)
73
218
292
228
1,050
1,323
1,306
Working Capital
- -
38
142
368
644
824
781
LT Debt
194
484
765
666
442
555
599
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
35
34
147
LT Borrowings
767
824
781
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
80
82
83
Market Capitalization
2,288
1,636
932

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
265
1,455
1,544
Cash, Cash Equivalents & STI
218
1,194
1,259
Accounts Receivable, Net
- -
153
171
Inventories
- -
- -
- -
Total Current Liabilities
115
131
238
Payables & Accruals
80
74
91
ST Debt
35
34
147
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
37.32%
25.77%
Free Cash Flow
- -
329.47%
816.69%
Net Income, GAAP
- -
-92.71%
-120.28%
Sales/Revenue/Turnover
- -
101.61%
25.56%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
237
243
249
276
1,005
2025
283
318
340
321
1,261
2026
299
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.33
-1.04
-0.93
- -
-5.66
2025
0.1
0.22
0.29
0.42
1.04
2026
0.3
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Pagaya Technologies Ltd. Pagaya Technologies Ltd. (NASDAQ: PGY) operates as an AI-driven financial technology company that provides machine learning-based infrastructure to financial institutions, enabling loan origination, underwriting, and risk management across consumer credit products including personal loans, auto loans, point-of-sale financing, buy now pay later options, and residential real estate solutions; its proprietary platform features a decision engine for credit assessment, marketing tools like PGY Affiliates and Prescreen for customer acquisition, intelligence products for portfolio optimization and fraud detection, dynamic verification for faster conversions, and compliance services integrated via API into partner networks. Founded in 2016 with dual headquarters in New York and Tel Aviv, Israel, the company primarily generates revenue from the United States while serving global partners through its network connecting lenders, banks, and investors to expand credit access without assuming credit risk. Recent developments include the acquisition of Theorem Technology, Inc. in 2024 to bolster consumer credit funds management, an inaugural auto forward flow agreement with Castlelake for up to $500 million in loans announced in November 2025 raising total forward flow capacity to approximately $5.5 billion since year-end 2024, a partnership with One William Street Capital Management for residual certificates in a AAA-rated auto ABS securitization, closure of a second $300 million AAA-rated POSH revolving ABS transaction, issuance of $500 million in corporate debt rated by major agencies, expansion of its revolving credit facility to $132 million at reduced rates, and a strategic partnership with Klarna alongside a $300 million bond backed by BNPL loans, all contributing to record Q3 2025 results with $350 million in revenue, $107 million adjusted EBITDA, and raised full-year guidance.

Company News

APIChatGPT
  • Forget Nvidia. These 5 S&P 500 stocks are quietly going all in on AI.

  • Pagaya Closes $750 Million Auto ABS Transaction, Its Largest to Date

  • Pagaya Technologies Ltd. (PGY) Stock Falls Amid Market Uptick: What Investors Need to Know

  • Pagaya Announces Timing of Second Quarter 2026 Earnings Release

  • Better Margins, Growing Client List Make Pagaya Technologies An Overlooked Value Stock

  • Pagaya Technologies: Undervalued With Multiple Tailwinds Converging

  • PGY vs. TREE: Which AI-Powered Lending Play Deserves Your Investment?

  • Pagaya: Why The Expanded Upgrade Partnership Opens The Door To More Growth

  • Is Pagaya Technologies a Buy After Its CEO Bought 16,230 Shares?

  • Pagaya Technologies Ltd. (PGY) Advances While Market Declines: Some Information for Investors

  • New Strong Buy Stocks for June 16th

  • Best Value Stocks to Buy for June 16th

  • Pagaya Issues AAA-rated Upsized $800 Million Personal Loan ABS Transaction

  • Pagaya Issues AAA-rated Upsized $800 Million Personal Loan ABS Transaction

  • Pagaya Technologies Ltd. (PGY) Stock Drops Despite Market Gains: Important Facts to Note

  • Pagaya Technologies Ltd. (PGY) Presents at Morgan Stanley US Financials Conference 2026 Transcript

  • Pagaya Advances POS Strategy With Upgrade Flex Pay Deal

  • Pagaya Builds on Multi-Year Partnership with Upgrade to Expand Point-of-Sale Loans

  • Best Value Stocks to Buy for June 5th

  • New Strong Buy Stocks for June 5th