Pagaya Technologies Ltd.

Pagaya Technologies Ltd.

PGYWW
Pagaya Technologies Ltd.US flagNASDAQ Capital Market
0.03
USD
+0.00
- -
1.38BMarket Cap
Pagaya Technologies Ltd.
PGYWW
(NASDAQ Capital Market)

Recent

price

0.03

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
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
- -
- -
- -

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
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Pagaya Technologies Ltd. (NASDAQ:PGY, PGYWW) is an AI-driven financial technology company that deploys proprietary artificial intelligence, machine learning, and data science platforms to enable financial services providers, banks, fintechs, and asset investors to originate and manage loans more effectively. The company offers a suite of core products including the Decision Engine for AI-powered credit decisioning; PGY Extended Platform, PGY Best Offer, and Pagaya Intelligence for customer conversion and personalized offers; Fast Pass and Dynamic Verification for frictionless auto lending; and Marketing Engine solutions such as PGY Affiliates and PGY Prescreen for proactive customer engagement; serving segments like unsecured personal loans, auto loans, point-of-sale financing, buy-now-pay-later, credit cards, and residential real estate. Pagaya operates primarily in the United States with additional presence in Israel and the Cayman Islands, targeting B2B partners including U.S. Bank, Ally, Klarna, Visa, Prosper, LendingClub, SoFi, and major auto lenders. Founded in 2016 in Israel by Gal Krubiner, Avital Pardo, Yahav Yulzari, and Sanjiv Das, Pagaya relocated its headquarters to New York City in 2024 while maintaining key technical operations in Tel Aviv. Recent developments include the October 2024 completion of its acquisition of Theorem Technology, Inc., a U.S. consumer credit fund manager, which boosted assets under management beyond $3 billion and diversified funding sources; a July 2025 forward flow agreement with Castlelake for up to $2.5 billion in personal loans over 16 months, followed by a November 2025 inaugural auto forward flow deal with Castlelake for up to $500 million and partnerships like residual sales with One William Street Capital Management in a AAA-rated auto ABS; issuance of a $300 million Klarna-backed buy-now-pay-later bond and a second $300 million AAA-rated POSH revolving ABS in November 2025; and a $500 million senior unsecured notes offering plus expansion of its revolving credit facility to $132 million in 2025, all supporting network volume growth to a record $2.8 billion in Q3 2025.

Company News

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