1. United States of America Stocks

  2. •

    Technology

  3. •

    Software - Infrastructure
Pagaya Technologies Ltd.

Pagaya Technologies Ltd.

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

Income Statement (USD)

APIChatGPT
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
Sales/Revenue/Turnover
92
446
685
773
1,005
1,261
+ Sales & Services Revenue
92
446
685
773
1,005
1,261
- Cost of Revenue
49
232
451
509
598
749
+ Cost of Goods & Services
49
232
451
509
598
749
Gross Profit
43
214
234
264
407
512
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- Operating Expenses
29
248
549
328
368
288
+ Selling, General & Admin
16
182
398
253
291
213
+ Research & Development
12
66
151
74
77
75
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
Operating Income (Loss)
14
-35
-315
-64
39
224
- Non-Operating (Income) Loss
-7
27
-39
118
460
172
+ Interest Expense, Net
-7
-29
-58
-39
-32
-48
+ Interest Expense
- -
- -
- -
- -
- -
- -
- Interest Income
7
29
58
39
32
48
+ Other Non-Op (Income) Loss
- -
56
19
156
493
221
Pretax Income
21
-62
-276
-181
-421
52
- Income Tax Expense (Benefit)
1
8
16
16
25
-20
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
20
-70
-293
-197
-446
71
- Net Extraordinary Losses (Gains)
11
43
19
-137
-89
-20
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
11
43
19
-137
-89
-20
Income (Loss) Incl. MI
9
-113
-312
-60
-357
91
- Minority Interest
-5
-22
-10
68
44
10
Net Income, GAAP
14
-91
-302
-128
-401
81
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
14
-91
-302
-128
-401
81
EBIT
14
-35
-315
-64
39
224
EBITDA
14
-34
-309
-45
68
254
EBITDA Margin (%)
15.56
-7.56
-45.04
-5.76
6.76
20.13
EBITA
14
-35
-315
-64
39
224
Gross Margin (%)
46.5
47.89
34.19
34.14
40.51
40.61
Operating Margin (%)
15.24
-7.74
-45.96
-8.23
3.9
17.74
Profit Margin (%)
15.77
-20.44
-44.11
-16.62
-39.96
6.45
Sales per Employee
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
1
6
19
29
30
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
Basic EPS from Cont Ops
- -
- -
- -
- -
- -
- -
Diluted Weighted Avg Shares
- -
- -
- -
- -
- -
- -
Diluted EPS, GAAP
- -
- -
- -
- -
- -
- -
Diluted EPS from Cont Ops
- -
- -
- -
- -
- -
- -

Balance Sheet (USD)

APIChatGPT
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 Current Assets
77
247
420
303
1,180
1,455
+ Cash, Cash Equivalents & STI
63
201
311
189
988
1,194
+ Cash & Cash Equivalents
5
191
310
186
188
235
+ ST Investments
58
10
1
2
800
959
+ Accounts & Notes Receiv
14
34
78
87
142
196
+ Accounts Receivable, Net
13
32
59
80
127
153
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
1
1
19
8
15
43
+ Inventories
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
+ Other ST Assets
1
12
31
27
50
65
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
127
344
625
905
111
91
+ Property, Plant & Equip, Net
2
8
93
97
75
61
+ Property, Plant & Equip
2
9
100
124
130
141
- Accumulated Depreciation
- -
1
8
27
55
81
+ LT Investments & Receivables
111
292
489
741
778
- -
+ LT Investments
111
292
489
741
778
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
+ Other LT Assets
15
44
44
67
-742
31
+ Total Intangible Assets
- -
- -
- -
13
36
31
+ Goodwill
- -
- -
- -
11
23
23
+ Other Intangible Assets
- -
- -
- -
3
13
8
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
15
44
44
54
-778
- -
Total Assets
204
590
1,045
1,208
1,291
1,546
+ Payables & Accruals
3
27
23
12
75
74
+ Accounts Payable
1
12
2
1
7
4
+ Accrued Taxes
- -
- -
6
- -
41
19
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
3
15
14
10
26
51
+ ST Debt
- -
- -
70
45
37
34
+ ST Borrowings
- -
- -
62
38
127
- -
+ ST Finance Leases
- -
- -
9
7
37
34
+ Other ST Liabilities
1
2
35
18
19
24
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
1
2
35
18
19
24
Total Current Liabilities
4
29
128
75
131
131
+ LT Debt
- -
38
142
368
644
824
+ LT Borrowings
- -
38
93
324
644
824
+ LT Finance Leases
- -
- -
49
44
31
- -
+ Other LT Liabilities
6
39
10
100
75
35
+ Accrued Liabilities
- -
- -
1
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
6
39
9
100
75
35
Total Noncurrent Liabilities
6
77
152
468
719
859
Total Liabilities
10
106
280
543
850
991
+ Preferred Equity and Hybrid Capital
106
307
- -
- -
- -
- -
+ Share Capital & APIC
- -
113
968
1,102
1,282
1,391
+ Common Stock
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
113
968
1,102
1,282
1,391
- Treasury Stock
- -
- -
- -
- -
- -
- -
+ Retained Earnings
3
-112
-414
-543
-944
-863
+ Other Equity
- -
- -
-1
- -
-11
-48
Equity Before Minority Interest
109
308
554
560
326
480
+ Minority/Non Controlling Interest
85
176
212
106
115
75
Total Equity
194
484
765
666
442
555
Total Liabilities & Equity
204
590
1,045
1,208
1,291
1,546
Shares Outstanding
57
654
57
62
74
82
Number of Employees
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
58
51
68
34
Net Debt
-5
-153
-155
175
583
589
Net Debt to Equity
-2.61
-31.56
-20.27
26.32
131.96
106.05
Tangible Common Equity Ratio
43.15
30.05
73.24
54.59
32.32
34.63
Current Ratio
18.04
8.6
3.28
4.05
9.04
11.06
Cash Conversion Cycle
- -
8.93
18.99
31.68
35.01
37.9

Cash Flow Statement (USD)

APIChatGPT
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
+ Net Income
20
-70
-293
-197
-446
71
+ Depreciation & Amortization
- -
1
6
19
29
30
+ Non-Cash Items
- -
121
288
208
483
210
+ Stock-Based Compensation
- -
68
242
71
61
54
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
+ Asset Impairment Charge
- -
- -
52
2
3
5
+ Other Non-Cash Adj
- -
54
-5
135
419
151
+ Chg in Non-Cash Work Cap
-16
-3
-42
-52
-19
-73
+ (Inc) Dec in Accts Receiv
-20
-28
-46
-25
-23
-26
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
-5
-23
13
-9
- -
+ Inc (Dec) in Accts Payable
6
24
31
-40
12
-33
+ Inc (Dec) in Other
-2
5
-3
- -
2
-14
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
4
50
-40
-22
48
239
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-1
-7
-22
-20
-23
-14
+ Acq of Fixed Prod Assets
-1
-7
-22
-20
-18
-14
+ Acq of Intangible Assets
- -
- -
- -
- -
-6
- -
+ Cash (Repurchase) of Equity
- -
- -
292
28
102
- -
+ Increase in Capital Stock
- -
- -
292
28
102
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
+ Net Change in LT Investment
-122
-120
-238
-363
-447
-280
+ Dec in LT Investment
29
82
118
203
247
352
+ Inc in LT Investment
-151
-202
-356
-566
-694
-632
+ Net Cash From Acq & Div
- -
-14
-5
- -
-9
- -
+ Cash from Divestitures
- -
9
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
-23
-6
- -
-9
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
2
- -
-16
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-123
-141
-265
-381
-480
-310
+ Dividends Paid
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
- -
38
132
282
294
161
+ Cash From Debt
- -
38
224
598
819
856
+ Repayments of Debt
- -
- -
-92
-316
-524
-695
+ Other Financing Activities
120
252
14
-21
41
-31
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
120
290
438
289
437
130
Effect of Foreign Exchange Rates
- -
- -
- -
-1
-1
3
Net Changes in Cash
1
199
133
-114
5
59
EBITDA
14
-34
-309
-45
68
254
EBITDA Margin (%)
15.56
-7.56
-45.04
-5.76
6.76
20.13
Free Cash Flow
3
43
-62
-42
25
225
Net Cash Paid for Acquisitions
- -
14
5
- -
9
- -
Free Cash Flow to Firm
3
- -
- -
- -
- -
- -
Free Cash Flow to Equity
- -
282
-238
240
324
386
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Price/Free Cash Flow
- -
- -
- -
- -
- -
- -
Cash Flow to Net Income
0.29
-0.55
0.13
0.17
-0.12
2.93
Capital Expenditures
-1
-7
-22
-20
-23
-14