Pagaya Technologies Ltd. (PGY)

NASDAQ: PGY · Real-Time Price · USD

19.97

-0.33 (-1.63%)

At close: Sep 11, 2026, 4:00 PM EDT

20.16

+0.19 (0.95%)

After-hours: Sep 11, 2026, 7:47 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	603.06	552.19	434.6	303.11	297.84	242.26
Operating Income	345.48	263.83	66.94	-24.3	-251.51	-5.81
Net Income	122.54	77.28	-401.41	-128.44	-314.53	-134.32
Earnings Per Share	1.39	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	1,289	1,181	966.33	188.97	310.8	200.94
Total Debt	907.34	858.48	680.81	412.58	212.26	37.91
Net Cash (Debt)	382.03	322.11	285.52	-223.62	98.54	163.04
Net Cash Growth	-	12.82%	-	-	-39.56%	160.29%
Net Cash Per Share	4.13	3.88	4.03	-3.72	2.58	10.02

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	264.73	238.62	47.75	-21.66	-40	49.81
Capital Expenditures	-28.95	-29.9	-17.74	-20.19	-22.41	-6.62
Free Cash Flow	235.78	208.72	30.01	-41.85	-62.41	43.19
Free Cash Flow Growth	143.73%	595.40%	-	-	-	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	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%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 14, 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	14.32	21.74	-	-	-	-
Forward PE	5.14	6.77	6.13	16.73	-	-
P/FCF Ratio	7.07	8.05	22.80	-	-	8.26
PS Ratio	1.20	1.29	0.66	1.21	1.13	0.75