Skip to main content
logo
Pagaya Technologies Ltd. (PGY)
NASDAQ: PGY · Real-Time Price · USD
21.43
+0.39 (1.85%)
Sep 16, 2026, 12:35 PM EDT - Market open

Pagaya Technologies Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,3901,3011,032812.05748.93474.59
Revenue Growth
20.55%26.07%27.12%8.43%57.81%379.33%
Gross Profit
603.06552.19434.6303.11297.84242.26
Operating Income
345.48263.8366.94-24.3-251.51-5.81
Net Income
122.5477.28-401.41-128.44-314.53-134.32
Earnings Per Share
1.390.93-5.66-2.14-8.22-8.25
EPS Growth
------

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,2891,181966.33188.97310.8200.94
Total Debt
907.34858.48680.81412.58212.2637.91
Net Cash (Debt)
382.03322.11285.52-223.6298.54163.04
Net Cash Growth
-12.82%---39.56%160.29%
Net Cash Per Share
4.133.884.03-3.722.5810.02

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
264.73238.6247.75-21.66-4049.81
Capital Expenditures
-28.95-29.9-17.74-20.19-22.41-6.62
Free Cash Flow
235.78208.7230.01-41.85-62.4143.19
Free Cash Flow Growth
143.73%595.40%---1266.68%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
43.39%42.43%42.10%37.33%39.77%51.05%
Operating Margin
24.86%20.27%6.49%-2.99%-33.58%-1.22%
Pretax Margin
7.10%3.97%-40.80%-22.31%-36.90%-12.99%
Profit Margin
8.82%5.94%-38.89%-15.82%-42.00%-28.30%
FCF Margin
16.96%16.04%2.91%-5.15%-8.33%9.10%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
15.3821.74----
Forward PE
5.526.776.1316.73--
P/FCF Ratio
7.448.0522.80--8.26
PS Ratio
1.261.290.661.211.130.75