Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $1.83 billion. The enterprise value is $1.47 billion.
| Market Cap | 1.83B |
| Enterprise Value | 1.47B |
Important Dates
The last earnings date was Thursday, July 30, 2026, before market open.
| Earnings Date | Jul 30, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 83.43 million shares outstanding. The number of shares has increased by 23.24% in one year.
| Current Share Class | 72.14M |
| Shares Outstanding | 83.43M |
| Shares Change (YoY) | +23.24% |
| Shares Change (QoQ) | +0.52% |
| Owned by Insiders (%) | 15.48% |
| Owned by Institutions (%) | 48.06% |
| Float | 67.73M |
Valuation Ratios
The trailing PE ratio is 15.72 and the forward PE ratio is 5.87. PGY's PEG ratio is 0.04.
| PE Ratio | 15.72 |
| Forward PE | 5.87 |
| PS Ratio | 1.33 |
| Forward PS | 1.17 |
| PB Ratio | 3.12 |
| P/TBV Ratio | 3.27 |
| P/FCF Ratio | 7.85 |
| P/OCF Ratio | 6.99 |
| PEG Ratio | 0.04 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 3.99, with an EV/FCF ratio of 6.23.
| EV / Earnings | 11.98 |
| EV / Sales | 1.06 |
| EV / EBITDA | 3.99 |
| EV / EBIT | 4.25 |
| EV / FCF | 6.23 |
Financial Position
The company has a current ratio of 14.58, with a Debt / Equity ratio of 1.34.
| Current Ratio | 14.58 |
| Quick Ratio | 14.06 |
| Debt / Equity | 1.34 |
| Debt / EBITDA | 2.47 |
| Debt / FCF | 3.85 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 19.46% and return on invested capital (ROIC) is 116.14%.
| Return on Equity (ROE) | 19.46% |
| Return on Assets (ROA) | 13.97% |
| Return on Invested Capital (ROIC) | 116.14% |
| Return on Capital Employed (ROCE) | 21.77% |
| Weighted Average Cost of Capital (WACC) | 22.70% |
| Revenue Per Employee | $2.72M |
| Profits Per Employee | $239,808 |
| Employee Count | 511 |
| Asset Turnover | 0.90 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -20.12M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -24.73% in the last 52 weeks. The beta is 5.38, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.38 |
| 52-Week Price Change | -24.73% |
| 50-Day Moving Average | 16.45 |
| 200-Day Moving Average | 17.89 |
| Relative Strength Index (RSI) | 70.50 |
| Average Volume (20 Days) | 3,227,925 |
Short Selling Information
The latest short interest is 12.10 million, so 14.51% of the outstanding shares have been sold short.
| Short Interest | 12.10M |
| Short Previous Month | 10.86M |
| Short % of Shares Out | 14.51% |
| Short % of Float | 17.87% |
| Short Ratio (days to cover) | 3.07 |
Income Statement
In the last 12 months, PGY had revenue of $1.39 billion and earned $122.54 million in profits. Earnings per share was $1.39.
| Revenue | 1.39B |
| Gross Profit | 603.06M |
| Operating Income | 345.48M |
| Pretax Income | 98.69M |
| Net Income | 122.54M |
| EBITDA | 368.02M |
| EBIT | 345.48M |
| Earnings Per Share (EPS) | $1.39 |
Balance Sheet
The company has $1.29 billion in cash and $907.34 million in debt, with a net cash position of $382.03 million or $4.58 per share.
| Cash & Cash Equivalents | 1.29B |
| Total Debt | 907.34M |
| Net Cash | 382.03M |
| Net Cash Per Share | $4.58 |
| Equity (Book Value) | 678.89M |
| Book Value Per Share | 7.13 |
| Working Capital | 1.44B |
Cash Flow
In the last 12 months, operating cash flow was $264.73 million and capital expenditures -$28.95 million, giving a free cash flow of $235.78 million.
| Operating Cash Flow | 264.73M |
| Capital Expenditures | -28.95M |
| Depreciation & Amortization | 6.14M |
| Net Borrowing | 130.11M |
| Free Cash Flow | 235.78M |
| FCF Per Share | $2.83 |
Margins
Gross margin is 43.39%, with operating and profit margins of 24.86% and 9.12%.
| Gross Margin | 43.39% |
| Operating Margin | 24.86% |
| Pretax Margin | 7.10% |
| Profit Margin | 9.12% |
| EBITDA Margin | 26.48% |
| EBIT Margin | 24.86% |
| FCF Margin | 16.96% |
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 | -23.24% |
| Shareholder Yield | -23.24% |
| Earnings Yield | 6.62% |
| FCF Yield | 12.74% |
Analyst Forecast
The average price target for PGY is $28.50, which is 30.02% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $28.50 |
| Price Target Difference | 30.02% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 10 |
| Revenue Growth Forecast (3Y) | 12.98% |
| EPS Growth Forecast (3Y) | 6.81% |
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 2.89 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.89 |
| Piotroski F-Score | 7 |