Pagaya Technologies Ltd. (PGY)

NASDAQ: PGY · Real-Time Price · USD

21.92

-0.31 (-1.42%)

At close: Aug 4, 2026, 4:00 PM EDT

21.80

-0.12 (-0.55%)

After-hours: Aug 4, 2026, 5:58 PM EDT

Pagaya Technologies Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,390	1,301	1,032	812.05	748.93	474.59
Revenue Growth	20.55%	26.07%	27.12%	8.43%	57.81%	379.33%
Gross Profit	1,390	1,301	1,032	812.05	-251.51	-5.81
Operating Income	345.48	263.83	66.84	-24.4	-251.51	-5.81
Net Income	126.81	81.39	-401.41	-128.44	-302.32	-91.15
Earnings Per Share	1.36	0.93	-5.66	-2.14	-8.22	-8.25
EPS Growth	-	-	-	-	-	-

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	249.26	235.33	187.92	186.48	309.79	195.8
Total Debt	907.34	858.48	680.81	412.58	230.14	37.91
Net Cash (Debt)	-658.09	-623.16	-492.89	-226.11	79.65	157.89
Net Cash Growth	-	-	-	-	-49.55%	152.08%
Net Cash Per Share	-6.80	-7.50	-6.95	-3.77	2.08	9.70

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	190.03	238.62	47.75	-21.66	-40	49.81
Capital Expenditures	-12.95	-13.9	-17.74	-20.19	-22.41	-6.62
Free Cash Flow	177.08	224.72	30.01	-41.85	-62.41	43.19
Free Cash Flow Growth	1435.52%	648.71%	-	-	-	1266.68%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	100.00%	100.00%	100.00%	100.00%	-33.58%	-1.22%
Operating Margin	24.86%	20.27%	6.48%	-3.00%	-33.58%	-1.22%
Pretax Margin	7.10%	3.97%	-40.80%	-22.31%	-36.90%	-12.99%
Profit Margin	8.55%	5.48%	-43.18%	-24.23%	-39.09%	-14.65%
FCF Margin	12.74%	17.27%	2.91%	-5.15%	-8.33%	9.10%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 4, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.72	22.47	-	-	-	-
Forward PE	5.87	6.77	6.13	16.73	-	-
P/FCF Ratio	7.85	7.63	22.87	-	-	44.69
PS Ratio	1.33	1.32	0.66	1.27	1.13	4.07