Pagaya Technologies Ltd.

Pagaya Technologies Ltd.

PGY
Pagaya Technologies Ltd.US flagNASDAQ Capital Market
22.98
USD
+0.09
- -
1.92BMarket Cap
Pagaya Technologies Ltd.
PGY
(NASDAQ Capital Market)

Recent

price

22.98

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
16.25
Revenue per Share
0.26
-1.61
-7.9
-2.14
-5.66
1.04
1.55
Basic EPS, GAAP
0.06
0.76
-1.63
-0.7
0.35
2.87
3.09
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.06
- -
9.72
9.02
4.42
5.85
7.13
Book Value per Share
0.06
- -
9.72
8.8
3.93
5.48
6.8
Tangible Book Value per Share
57
57
38
60
71
78
82
Basic Weighted Avg Shares
92
446
685
773
1,005
1,261
1,326
Sales/Revenue/Turnover
15.24
-7.74
-45.96
-8.23
3.9
17.74
21.2
Operating Margin (%)
- -
1
6
19
29
30
23
Depreciation Expense
14
-91
-302
-128
-401
81
127
Net Income, GAAP
6.02
- -
- -
- -
- -
- -
11.53
Effective Tax Rate (%)
15.77
-20.44
-44.11
-16.62
-39.96
6.45
9.57
Profit Margin (%)
73
218
292
228
1,050
1,323
1,456
Working Capital
- -
38
142
368
644
824
875
LT Debt
194
484
765
666
442
555
649
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-4,058.37
-108.98
-23.07
-90.59
20.18
26.39
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
34
147
32
LT Borrowings
824
781
875
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
82
83
83
Market Capitalization
1,715
964
1,521

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
1,455
1,544
1,594
Cash, Cash Equivalents & STI
1,194
1,259
1,289
Accounts Receivable, Net
153
171
190
Inventories
- -
- -
- -
Total Current Liabilities
131
238
139
Payables & Accruals
74
91
106
ST Debt
34
147
32
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
366
- -
- -
- -

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
0.54
- -
- -
- -

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

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  • Pagaya: The Profit Machine Is Awake In Auto Lending, But Wall Street Is Still Asleep - Strong Buy

  • Earnings Estimates Rising for Pagaya Technologies Ltd. (PGY): Will It Gain?

  • Wall Street Analysts Think Pagaya Technologies Ltd. (PGY) Could Surge 30.03%: Read This Before Placing a Bet

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