Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $646.70 million. The enterprise value is $1.18 billion.
Important Dates
The next estimated earnings date is Wednesday, February 19, 2025, before market open.
| Earnings Date | Feb 19, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 73.66 million shares outstanding. The number of shares has increased by 14.28% in one year.
| Current Share Class | 61.00M |
| Shares Outstanding | 73.66M |
| Shares Change (YoY) | +14.28% |
| Shares Change (QoQ) | +1.34% |
| Owned by Insiders (%) | 19.00% |
| Owned by Institutions (%) | 37.34% |
| Float | 43.19M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 5.86 |
| PS Ratio | 0.61 |
| Forward PS | 0.57 |
| PB Ratio | 1.38 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 18.47 |
| P/OCF Ratio | 12.11 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 18.34, with an EV/FCF ratio of 33.57.
| EV / Earnings | n/a |
| EV / Sales | 1.21 |
| EV / EBITDA | 18.34 |
| EV / EBIT | 25.63 |
| EV / FCF | 33.57 |
Financial Position
The company has a current ratio of 1.17, with a Debt / Equity ratio of 1.11.
| Current Ratio | 1.17 |
| Quick Ratio | 1.07 |
| Debt / Equity | 1.11 |
| Debt / EBITDA | 9.01 |
| Debt / FCF | 19.62 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -30.61% and return on invested capital (ROIC) is 2.32%.
| Return on Equity (ROE) | -30.61% |
| Return on Assets (ROA) | 2.21% |
| Return on Capital (ROIC) | 2.32% |
| Revenue Per Employee | $1.36M |
| Profits Per Employee | -$249,862 |
| Employee Count | 712 |
| Asset Turnover | 0.75 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PGY has paid $13.05 million in taxes.
| Income Tax | 13.05M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -36.93% in the last 52 weeks. The beta is 6.15, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 6.15 |
| 52-Week Price Change | -36.93% |
| 50-Day Moving Average | 10.00 |
| 200-Day Moving Average | 11.53 |
| Relative Strength Index (RSI) | 42.09 |
| Average Volume (20 Days) | 1,674,624 |
Short Selling Information
The latest short interest is 8.89 million, so 12.08% of the outstanding shares have been sold short.
| Short Interest | 8.89M |
| Short Previous Month | 7.58M |
| Short % of Shares Out | 12.08% |
| Short % of Float | 20.59% |
| Short Ratio (days to cover) | 5.85 |
Income Statement
In the last 12 months, PGY had revenue of $970.90 million and -$177.90 million in losses. Loss per share was -$2.63.
| Revenue | 970.90M |
| Gross Profit | 396.97M |
| Operating Income | 45.85M |
| Pretax Income | -108.77M |
| Net Income | -177.90M |
| EBITDA | 64.09M |
| EBIT | 45.85M |
| Loss Per Share | -$2.63 |
Full Income StatementBalance Sheet
The company has $158.35 million in cash and $687.08 million in debt, giving a net cash position of -$528.73 million or -$7.18 per share.
| Cash & Cash Equivalents | 158.35M |
| Total Debt | 687.08M |
| Net Cash | -528.73M |
| Net Cash Per Share | -$7.18 |
| Equity (Book Value) | 617.03M |
| Book Value Per Share | 6.35 |
| Working Capital | 44.01M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $53.41 million and capital expenditures -$18.40 million, giving a free cash flow of $35.01 million.
| Operating Cash Flow | 53.41M |
| Capital Expenditures | -18.40M |
| Free Cash Flow | 35.01M |
| FCF Per Share | $0.48 |
Full Cash Flow StatementMargins
Gross margin is 40.89%, with operating and profit margins of 4.72% and -18.32%.
| Gross Margin | 40.89% |
| Operating Margin | 4.72% |
| Pretax Margin | -20.14% |
| Profit Margin | -18.32% |
| EBITDA Margin | 6.60% |
| EBIT Margin | 4.72% |
| FCF Margin | 3.61% |
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 | -14.28% |
| Shareholder Yield | -14.28% |
| Earnings Yield | -27.51% |
| FCF Yield | 5.41% |
Dividend DetailsAnalyst Forecast
The average price target for PGY is $21.00, which is 139.18% higher than the current price. The consensus rating is "Buy".
| Price Target | $21.00 |
| Price Target Difference | 139.18% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock Splits
The last stock split was on March 8, 2024. It was a reverse split with a ratio of 0.0833333:1.
| Last Split Date | Mar 8, 2024 |
| Split Type | Reverse |
| Split Ratio | 0.0833333:1 |
Scores
PGY has an Altman Z-Score of 0.85 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.85 |
| Piotroski F-Score | 5 |