Pagaya Technologies Ltd. (PGY)

NASDAQ: PGY · Real-Time Price · USD

17.80

-0.33 (-1.82%)

At close: Nov 3, 2026, 4:00 PM EST

17.99

+0.19 (1.06%)

After-hours: Nov 3, 2026, 7:58 PM EST

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	Sep '26 Sep 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	1,430	1,301	1,032	812.05	748.93	474.59
Revenue Growth	14.79%	26.07%	27.12%	8.43%	57.81%	379.33%
Gross Profit	628.26	552.19	434.6	303.11	297.84	242.26
Operating Income	378.07	263.83	66.94	-24.3	-251.51	-5.81
Net Income	149.89	77.28	-401.41	-128.44	-314.53	-134.32
Earnings Per Share	1.67	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	Sep '26 Sep 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	1,348	1,181	966.33	188.97	310.8	200.94
Total Debt	992.09	858.48	680.81	412.58	212.26	37.91
Net Cash (Debt)	355.86	322.11	285.52	-223.62	98.54	163.04
Net Cash Growth	17.20%	12.82%	-	-	-39.56%	160.29%
Net Cash Per Share	3.75	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	Sep '26 Sep 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	246.73	238.62	47.75	-21.66	-40	49.81
Capital Expenditures	-28.99	-29.9	-17.74	-20.19	-22.41	-6.62
Free Cash Flow	217.74	208.72	30.01	-41.85	-62.41	43.19
Free Cash Flow Growth	14.21%	595.40%	-	-	-	1266.68%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	43.93%	42.43%	42.10%	37.33%	39.77%	51.05%
Operating Margin	26.43%	20.27%	6.49%	-2.99%	-33.58%	-1.22%
Pretax Margin	9.52%	3.97%	-40.80%	-22.31%	-36.90%	-12.99%
Profit Margin	10.48%	5.94%	-38.89%	-15.82%	-42.00%	-28.30%
FCF Margin	15.22%	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	Nov '26 Nov 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	10.66	21.74	-	-	-	-
Forward PE	4.35	6.77	6.13	16.73	-	-
P/FCF Ratio	6.82	8.05	22.80	-	-	8.26
PS Ratio	1.04	1.29	0.66	1.21	1.13	0.75