Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $1.89 billion. The enterprise value is $2.46 billion.
Important Dates
The next estimated earnings date is Thursday, February 12, 2026, before market open.
| Earnings Date | Feb 12, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 80.40 million shares outstanding. The number of shares has increased by 13.24% in one year.
| Current Share Class | 69.11M |
| Shares Outstanding | 80.40M |
| Shares Change (YoY) | +13.24% |
| Shares Change (QoQ) | +14.28% |
| Owned by Insiders (%) | 15.89% |
| Owned by Institutions (%) | 52.59% |
| Float | 60.63M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 7.70 |
| PS Ratio | 1.49 |
| Forward PS | 1.26 |
| PB Ratio | 4.44 |
| P/TBV Ratio | 4.63 |
| P/FCF Ratio | 9.86 |
| P/OCF Ratio | 9.15 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 9.73, with an EV/FCF ratio of 12.92.
| EV / Earnings | n/a |
| EV / Sales | 1.98 |
| EV / EBITDA | 9.73 |
| EV / EBIT | 11.20 |
| EV / FCF | 12.92 |
Financial Position
The company has a current ratio of 5.11, with a Debt / Equity ratio of 1.42.
| Current Ratio | 5.11 |
| Quick Ratio | 4.55 |
| Debt / Equity | 1.42 |
| Debt / EBITDA | 3.08 |
| Debt / FCF | 4.21 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -36.32% and return on invested capital (ROIC) is 10.29%.
| Return on Equity (ROE) | -36.32% |
| Return on Assets (ROA) | 9.73% |
| Return on Invested Capital (ROIC) | 10.29% |
| Return on Capital Employed (ROCE) | 16.02% |
| Revenue Per Employee | $2.25M |
| Profits Per Employee | -$350,150 |
| Employee Count | 553 |
| Asset Turnover | 0.88 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PGY has paid $3.81 million in taxes.
| Income Tax | 3.81M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +126.02% in the last 52 weeks. The beta is 5.88, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.88 |
| 52-Week Price Change | +126.02% |
| 50-Day Moving Average | 24.09 |
| 200-Day Moving Average | 23.65 |
| Relative Strength Index (RSI) | 51.66 |
| Average Volume (20 Days) | 2,735,504 |
Short Selling Information
The latest short interest is 11.56 million, so 14.38% of the outstanding shares have been sold short.
| Short Interest | 11.56M |
| Short Previous Month | 12.32M |
| Short % of Shares Out | 14.38% |
| Short % of Float | 19.08% |
| Short Ratio (days to cover) | 4.16 |
Income Statement
In the last 12 months, PGY had revenue of $1.25 billion and -$193.63 million in losses. Loss per share was -$2.53.
| Revenue | 1.25B |
| Gross Profit | 528.62M |
| Operating Income | 219.95M |
| Pretax Income | -210.99M |
| Net Income | -193.63M |
| EBITDA | 253.28M |
| EBIT | 219.95M |
| Loss Per Share | -$2.53 |
Full Income StatementBalance Sheet
The company has $218.31 million in cash and $802.42 million in debt, with a net cash position of -$584.11 million or -$7.27 per share.
| Cash & Cash Equivalents | 218.31M |
| Total Debt | 802.42M |
| Net Cash | -584.11M |
| Net Cash Per Share | -$7.27 |
| Equity (Book Value) | 565.94M |
| Book Value Per Share | 5.47 |
| Working Capital | 337.65M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $205.45 million and capital expenditures -$14.79 million, giving a free cash flow of $190.65 million.
| Operating Cash Flow | 205.45M |
| Capital Expenditures | -14.79M |
| Free Cash Flow | 190.65M |
| FCF Per Share | $2.37 |
Full Cash Flow StatementMargins
Gross margin is 42.43%, with operating and profit margins of 17.65% and -15.32%.
| Gross Margin | 42.43% |
| Operating Margin | 17.65% |
| Pretax Margin | -16.93% |
| Profit Margin | -15.32% |
| EBITDA Margin | 20.33% |
| EBIT Margin | 17.65% |
| FCF Margin | 15.30% |
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 |
| Buyback Yield | -13.24% |
| Shareholder Yield | -13.24% |
| Earnings Yield | -10.30% |
| FCF Yield | 10.14% |
Dividend DetailsAnalyst Forecast
The average price target for PGY is $39.43, which is 67.50% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $39.43 |
| Price Target Difference | 67.50% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | n/a |
| Graham Upside | n/a |
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 1.64 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.64 |
| Piotroski F-Score | 6 |
