Pagaya Technologies Ltd.

PGYWW

PGYWWPagaya Technologies Ltd. US flag

NASDAQ Capital Market

0.02

USD

+0.00

- -

1.01BMarket Cap

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 (%)	15.56	-7.56	-45.04	-5.76	6.76	20.13
Operating Margin (%)	15.24	-7.74	-45.96	-8.23	3.9	17.74
Incremental Operating Margin (%)	- -	- -	- -	- -	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	- -	-1.12	-0.69	-9.27	10.03	3.38
Net Debt/EBITDA	-0.35	4.53	0.5	-3.94	8.58	2.32
Total Debt/EBIT	- -	-1.1	-0.67	-6.48	17.39	3.84
Net Debt/EBIT	-0.36	4.43	0.49	-2.75	14.89	2.63
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	14	-34	-309	-45	68	254
EBITDA-CapEx	13	-40	-331	-65	45	240
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	1.12	0.74	-0.55	0.08	0.86	1.59

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	- -	38.21	67.74	336.49	144.4	137.17
Accounts Payable Turnover Days	- -	9.55	5.39	1.08	2.53	2.66
Cash Conversion Cycle	- -	8.93	18.99	31.68	35.01	37.9
Inventory to Cash Days	- -	18.48	24.38	32.76	37.54	40.57
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	- -	- -	5	14	4	26
- 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	128	320	119	343	-188	-234
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	- -	0.12	1.79	1.2	-3.62	-3.67
EV/Sales	1.4	0.72	0.17	0.44	0.6	- -
EV/EBITDA	8.99	- -	- -	- -	8.84	- -
EV/EBIT	9.17	- -	- -	- -	15.33	- -
EV/Cash Flow to Firm	30.14	6.43	- -	34.42	9.02	- -
EV/Free Cash Flow to Firm	23.96	5.67	- -	11.07	6.69	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	186	330	114	332	608	698
EV per Share	2.27	0.49	2.09	5.53	- -	- -
TTM Sales	92	446	685	773	1,005	1,261
TTM EBITDA	14	-34	-309	-45	68	254
TTM Operating Income	14	-35	-315	-64	39	224
TTM Cash Flow to Firm	4	50	-40	-22	48	239
TTM Free Cash Flow to Firm	5	56	-18	-1	71	253

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -
EV/EBIT	9.17	- -	- -	- -	15.33	- -
Enterprise Value	128	320	119	343	-188	-234
Low Price	- -	- -	0.07	0.06	0.05	0.05
EV/Sales	1.4	0.72	0.17	0.44	0.6	- -
EV/EBITDA	8.99	- -	- -	- -	8.84	- -
Price/Earnings	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	0.01	0.02	0.01	0.05
Price/Book Value Average	- -	- -	0.03	0.02	0.03	0.05
Price/Book Value High	- -	- -	0.12	0.06	0.07	0.12
Price/Book Value Low	- -	- -	0.01	0.01	0.01	0.01
Price/Tangible Book Value	- -	- -	0.01	0.02	0.02	0.06
Price/Tangible Book Value Average	- -	- -	0.03	0.02	0.04	0.05
Price/Tangible Book Value High	- -	- -	0.12	0.06	0.07	0.13
Price/Tangible Book Value Low	- -	- -	0.01	0.01	0.01	0.01
Price/Sales	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.03	0.74	0.19	0.45	0.62	0.57
EV/Sales High	2.03	0.74	0.26	0.47	0.63	0.6
EV/Sales Low	2.03	0.74	0.17	0.43	0.61	0.56
EV/EBITDA Average	13.02	-9.79	-0.43	-7.76	9.11	2.84
EV/EBITDA High	13.02	-9.79	-0.58	-8.16	9.27	2.98
EV/EBITDA Low	13.02	-9.79	-0.38	-7.55	9.01	2.77
EV/EBIT Average	13.29	-9.56	-0.42	-5.43	15.81	3.23
EV/EBIT High	13.29	-9.56	-0.57	-5.71	16.07	3.38
EV/EBIT Low	13.29	-9.56	-0.38	-5.28	15.63	3.14
Last Price	- -	- -	0.09	0.22	0.06	0.32
High Price	- -	- -	1.15	0.5	0.29	0.72
Enterprise Value Average	186	330	132	346	619	722
Enterprise Value High	186	330	180	363	629	757
Enterprise Value Low	186	330	118	336	612	703

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 (%)	15.56	-7.56	-45.04	-5.76	6.76	20.13
Operating Margin (%)	15.24	-7.74	-45.96	-8.23	3.9	17.74
Incremental Operating Margin (%)	- -	- -	- -	- -	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	- -	-1.12	-0.69	-9.27	10.03	3.38
Net Debt/EBITDA	-0.35	4.53	0.5	-3.94	8.58	2.32
Total Debt/EBIT	- -	-1.1	-0.67	-6.48	17.39	3.84
Net Debt/EBIT	-0.36	4.43	0.49	-2.75	14.89	2.63
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	14	-34	-309	-45	68	254
EBITDA-CapEx	13	-40	-331	-65	45	240
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	1.12	0.74	-0.55	0.08	0.86	1.59

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	- -	38.21	67.74	336.49	144.4	137.17
Accounts Payable Turnover Days	- -	9.55	5.39	1.08	2.53	2.66
Cash Conversion Cycle	- -	8.93	18.99	31.68	35.01	37.9
Inventory to Cash Days	- -	18.48	24.38	32.76	37.54	40.57
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	- -	- -	5	14	4	26
- 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	128	320	119	343	-188	-234
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	- -	0.12	1.79	1.2	-3.62	-3.67
EV/Sales	1.4	0.72	0.17	0.44	0.6	- -
EV/EBITDA	8.99	- -	- -	- -	8.84	- -
EV/EBIT	9.17	- -	- -	- -	15.33	- -
EV/Cash Flow to Firm	30.14	6.43	- -	34.42	9.02	- -
EV/Free Cash Flow to Firm	23.96	5.67	- -	11.07	6.69	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	186	330	114	332	608	698
EV per Share	2.27	0.49	2.09	5.53	- -	- -
TTM Sales	92	446	685	773	1,005	1,261
TTM EBITDA	14	-34	-309	-45	68	254
TTM Operating Income	14	-35	-315	-64	39	224
TTM Cash Flow to Firm	4	50	-40	-22	48	239
TTM Free Cash Flow to Firm	5	56	-18	-1	71	253

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -
EV/EBIT	9.17	- -	- -	- -	15.33	- -
Enterprise Value	128	320	119	343	-188	-234
Low Price	- -	- -	0.07	0.06	0.05	0.05
EV/Sales	1.4	0.72	0.17	0.44	0.6	- -
EV/EBITDA	8.99	- -	- -	- -	8.84	- -
Price/Earnings	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	0.01	0.02	0.01	0.05
Price/Book Value Average	- -	- -	0.03	0.02	0.03	0.05
Price/Book Value High	- -	- -	0.12	0.06	0.07	0.12
Price/Book Value Low	- -	- -	0.01	0.01	0.01	0.01
Price/Tangible Book Value	- -	- -	0.01	0.02	0.02	0.06
Price/Tangible Book Value Average	- -	- -	0.03	0.02	0.04	0.05
Price/Tangible Book Value High	- -	- -	0.12	0.06	0.07	0.13
Price/Tangible Book Value Low	- -	- -	0.01	0.01	0.01	0.01
Price/Sales	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.03	0.74	0.19	0.45	0.62	0.57
EV/Sales High	2.03	0.74	0.26	0.47	0.63	0.6
EV/Sales Low	2.03	0.74	0.17	0.43	0.61	0.56
EV/EBITDA Average	13.02	-9.79	-0.43	-7.76	9.11	2.84
EV/EBITDA High	13.02	-9.79	-0.58	-8.16	9.27	2.98
EV/EBITDA Low	13.02	-9.79	-0.38	-7.55	9.01	2.77
EV/EBIT Average	13.29	-9.56	-0.42	-5.43	15.81	3.23
EV/EBIT High	13.29	-9.56	-0.57	-5.71	16.07	3.38
EV/EBIT Low	13.29	-9.56	-0.38	-5.28	15.63	3.14
Last Price	- -	- -	0.09	0.22	0.06	0.32
High Price	- -	- -	1.15	0.5	0.29	0.72
Enterprise Value Average	186	330	132	346	619	722
Enterprise Value High	186	330	180	363	629	757
Enterprise Value Low	186	330	118	336	612	703

Shares Outstanding	57	654	57	62	74	82
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -
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

Pagaya Technologies Ltd.

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Profitability (USD)

Credit (USD)

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Per Share Data Items (USD)