Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $1.48 billion. The enterprise value is $1.13 billion.
| Market Cap | 1.48B |
| Enterprise Value | 1.13B |
Important Dates
The last earnings date was Thursday, October 29, 2026, before market open.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 83.43 million shares outstanding. The number of shares has increased by 24.20% in one year.
| Current Share Class | 72.14M |
| Shares Outstanding | 83.43M |
| Shares Change (YoY) | +24.20% |
| Shares Change (QoQ) | +1.26% |
| Owned by Insiders (%) | 15.48% |
| Owned by Institutions (%) | 42.86% |
| Float | 70.48M |
Valuation Ratios
The trailing PE ratio is 10.66 and the forward PE ratio is 4.35. PGY's PEG ratio is 0.03.
| PE Ratio | 10.66 |
| Forward PE | 4.35 |
| PS Ratio | 1.04 |
| Forward PS | 0.91 |
| PB Ratio | 2.39 |
| P/TBV Ratio | 2.51 |
| P/FCF Ratio | 6.82 |
| P/OCF Ratio | 6.02 |
| PEG Ratio | 0.03 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 3.02, with an EV/FCF ratio of 5.19.
| EV / Earnings | 7.53 |
| EV / Sales | 0.79 |
| EV / EBITDA | 3.02 |
| EV / EBIT | 2.99 |
| EV / FCF | 5.19 |
Financial Position
The company has a current ratio of 11.99, with a Debt / Equity ratio of 1.42.
| Current Ratio | 11.99 |
| Quick Ratio | 11.56 |
| Debt / Equity | 1.42 |
| Debt / EBITDA | 2.61 |
| Debt / FCF | 4.56 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 22.18% and return on invested capital (ROIC) is 118.58%.
| Return on Equity (ROE) | 22.18% |
| Return on Assets (ROA) | 14.52% |
| Return on Invested Capital (ROIC) | 118.58% |
| Return on Capital Employed (ROCE) | 22.72% |
| Weighted Average Cost of Capital (WACC) | 21.31% |
| Revenue Per Employee | $2.90M |
| Profits Per Employee | $304,037 |
| Employee Count | 493 |
| Asset Turnover | 0.88 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -3.86M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -33.80% in the last 52 weeks. The beta is 5.69, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.69 |
| 52-Week Price Change | -33.80% |
| 50-Day Moving Average | 19.60 |
| 200-Day Moving Average | 16.44 |
| Relative Strength Index (RSI) | 43.36 |
| Average Volume (20 Days) | 2,019,433 |
Short Selling Information
The latest short interest is 10.12 million, so 12.13% of the outstanding shares have been sold short.
| Short Interest | 10.12M |
| Short Previous Month | 10.72M |
| Short % of Shares Out | 12.13% |
| Short % of Float | 14.36% |
| Short Ratio (days to cover) | 4.07 |
Income Statement
In the last 12 months, PGY had revenue of $1.43 billion and earned $149.89 million in profits. Earnings per share was $1.67.
| Revenue | 1.43B |
| Gross Profit | 628.26M |
| Operating Income | 378.07M |
| Pretax Income | 136.17M |
| Net Income | 149.89M |
| EBITDA | 373.33M |
| EBIT | 378.07M |
| Earnings Per Share (EPS) | $1.67 |
Balance Sheet
The company has $1.35 billion in cash and $992.09 million in debt, with a net cash position of $355.86 million or $4.27 per share.
| Cash & Cash Equivalents | 1.35B |
| Total Debt | 992.09M |
| Net Cash | 355.86M |
| Net Cash Per Share | $4.27 |
| Equity (Book Value) | 696.67M |
| Book Value Per Share | 7.44 |
| Working Capital | 1.48B |
Cash Flow
In the last 12 months, operating cash flow was $246.73 million and capital expenditures -$28.99 million, giving a free cash flow of $217.74 million.
| Operating Cash Flow | 246.73M |
| Capital Expenditures | -28.99M |
| Depreciation & Amortization | -4.74M |
| Net Borrowing | 189.92M |
| Free Cash Flow | 217.74M |
| FCF Per Share | $2.61 |
Margins
Gross margin is 43.93%, with operating and profit margins of 26.43% and 10.77%.
| Gross Margin | 43.93% |
| Operating Margin | 26.43% |
| Pretax Margin | 9.52% |
| Profit Margin | 10.77% |
| EBITDA Margin | 26.10% |
| EBIT Margin | 26.43% |
| FCF Margin | 15.22% |
Dividends & Yields
PGY does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | -24.20% |
| Shareholder Yield | -24.20% |
| Earnings Yield | 9.38% |
| FCF Yield | 14.66% |
Analyst Forecast
The average price target for PGY is $29.27, which is 64.44% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $29.27 |
| Price Target Difference | 64.44% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 11 |
| Revenue Growth Forecast (3Y) | 14.27% |
| EPS Growth Forecast (3Y) | 14.21% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on March 8, 2024. It was a reverse split with a ratio of 1:12.
| Last Split Date | Mar 8, 2024 |
| Split Type | Reverse |
| Split Ratio | 1:12 |
Scores
PGY has an Altman Z-Score of 2.73 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.73 |
| Piotroski F-Score | 5 |