Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $963.91 million. The enterprise value is $635.19 million.
Important Dates
The last earnings date was Monday, February 9, 2026, before market open.
| Earnings Date | Feb 9, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 82.53 million shares outstanding. The number of shares has increased by 17.24% in one year.
| Current Share Class | 71.24M |
| Shares Outstanding | 82.53M |
| Shares Change (YoY) | +17.24% |
| Shares Change (QoQ) | +11.95% |
| Owned by Insiders (%) | 15.49% |
| Owned by Institutions (%) | 51.47% |
| Float | 60.62M |
Valuation Ratios
The trailing PE ratio is 12.56 and the forward PE ratio is 4.10. PGY's PEG ratio is 0.03.
| PE Ratio | 12.56 |
| Forward PE | 4.10 |
| PS Ratio | 0.74 |
| Forward PS | 0.63 |
| PB Ratio | 1.93 |
| P/TBV Ratio | 2.13 |
| P/FCF Ratio | 4.26 |
| P/OCF Ratio | 4.01 |
| PEG Ratio | 0.03 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 2.35, with an EV/FCF ratio of 2.83.
| EV / Earnings | 8.22 |
| EV / Sales | 0.49 |
| EV / EBITDA | 2.35 |
| EV / EBIT | 2.41 |
| EV / FCF | 2.83 |
Financial Position
The company has a current ratio of 13.11, with a Debt / Equity ratio of 1.47.
| Current Ratio | 13.11 |
| Quick Ratio | 12.55 |
| Debt / Equity | 1.47 |
| Debt / EBITDA | 3.11 |
| Debt / FCF | 3.82 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.96% and return on invested capital (ROIC) is 100.38%.
| Return on Equity (ROE) | 12.96% |
| Return on Assets (ROA) | 11.62% |
| Return on Invested Capital (ROIC) | 100.38% |
| Return on Capital Employed (ROCE) | 18.34% |
| Weighted Average Cost of Capital (WACC) | 19.28% |
| Revenue Per Employee | $2.45M |
| Profits Per Employee | $145,544 |
| Employee Count | 531 |
| Asset Turnover | 0.92 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -19.75M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +0.60% 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 | +0.60% |
| 50-Day Moving Average | 18.54 |
| 200-Day Moving Average | 24.87 |
| Relative Strength Index (RSI) | 34.03 |
| Average Volume (20 Days) | 5,619,388 |
Short Selling Information
The latest short interest is 12.12 million, so 14.69% of the outstanding shares have been sold short.
| Short Interest | 12.12M |
| Short Previous Month | 12.19M |
| Short % of Shares Out | 14.69% |
| Short % of Float | 20.00% |
| Short Ratio (days to cover) | 2.28 |
Income Statement
In the last 12 months, PGY had revenue of $1.30 billion and earned $77.28 million in profits. Earnings per share was $0.93.
| Revenue | 1.30B |
| Gross Profit | 552.19M |
| Operating Income | 263.83M |
| Pretax Income | 51.63M |
| Net Income | 77.28M |
| EBITDA | 270.00M |
| EBIT | 263.83M |
| Earnings Per Share (EPS) | $0.93 |
Full Income StatementBalance Sheet
The company has $1.18 billion in cash and $858.48 million in debt, with a net cash position of $322.11 million or $3.90 per share.
| Cash & Cash Equivalents | 1.18B |
| Total Debt | 858.48M |
| Net Cash | 322.11M |
| Net Cash Per Share | $3.90 |
| Equity (Book Value) | 585.45M |
| Book Value Per Share | 5.85 |
| Working Capital | 1.30B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $238.62 million and capital expenditures -$29.90 million, giving a free cash flow of $224.72 million.
| Operating Cash Flow | 238.62M |
| Capital Expenditures | -29.90M |
| Free Cash Flow | 224.72M |
| FCF Per Share | $2.72 |
Full Cash Flow StatementMargins
Gross margin is 42.43%, with operating and profit margins of 20.27% and 6.25%.
| Gross Margin | 42.43% |
| Operating Margin | 20.27% |
| Pretax Margin | 3.97% |
| Profit Margin | 6.25% |
| EBITDA Margin | 20.75% |
| EBIT Margin | 20.27% |
| FCF Margin | 17.27% |
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 | -17.24% |
| Shareholder Yield | -17.24% |
| Earnings Yield | 8.07% |
| FCF Yield | 23.47% |
Analyst Forecast
The average price target for PGY is $34.50, which is 195.38% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $34.50 |
| Price Target Difference | 195.38% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 8 |
| 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 | |
| Lynch Upside | |
| 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 2.64 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.64 |
| Piotroski F-Score | 7 |
