Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $1.25 billion. The enterprise value is $921.83 million.
Important Dates
The last earnings date was Thursday, May 7, 2026, before market open.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 82.87 million shares outstanding. The number of shares has increased by 19.44% in one year.
| Current Share Class | 71.58M |
| Shares Outstanding | 82.87M |
| Shares Change (YoY) | +19.44% |
| Shares Change (QoQ) | -5.08% |
| Owned by Insiders (%) | 15.46% |
| Owned by Institutions (%) | 45.06% |
| Float | 63.06M |
Valuation Ratios
The trailing PE ratio is 13.81 and the forward PE ratio is 4.86. PGY's PEG ratio is 0.04.
| PE Ratio | 13.81 |
| Forward PE | 4.86 |
| PS Ratio | 0.94 |
| Forward PS | 0.82 |
| PB Ratio | 2.36 |
| P/TBV Ratio | 2.51 |
| P/FCF Ratio | 5.75 |
| P/OCF Ratio | 5.07 |
| PEG Ratio | 0.04 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 3.05, with an EV/FCF ratio of 4.23.
| EV / Earnings | 9.81 |
| EV / Sales | 0.69 |
| EV / EBITDA | 3.05 |
| EV / EBIT | 3.11 |
| EV / FCF | 4.23 |
Financial Position
The company has a current ratio of 7.31, with a Debt / Equity ratio of 1.47.
| Current Ratio | 7.31 |
| Quick Ratio | 7.00 |
| Debt / Equity | 1.47 |
| Debt / EBITDA | 3.01 |
| Debt / FCF | 4.26 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 16.26% and return on invested capital (ROIC) is 105.50%.
| Return on Equity (ROE) | 16.26% |
| Return on Assets (ROA) | 12.65% |
| Return on Invested Capital (ROIC) | 105.50% |
| Return on Capital Employed (ROCE) | 20.52% |
| Weighted Average Cost of Capital (WACC) | 19.62% |
| Revenue Per Employee | $2.60M |
| Profits Per Employee | $183,920 |
| Employee Count | 511 |
| Asset Turnover | 0.91 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -14.06M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -11.58% in the last 52 weeks. The beta is 5.44, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.44 |
| 52-Week Price Change | -11.58% |
| 50-Day Moving Average | 13.15 |
| 200-Day Moving Average | 21.90 |
| Relative Strength Index (RSI) | 61.66 |
| Average Volume (20 Days) | 4,070,746 |
Short Selling Information
The latest short interest is 13.99 million, so 16.89% of the outstanding shares have been sold short.
| Short Interest | 13.99M |
| Short Previous Month | 13.60M |
| Short % of Shares Out | 16.89% |
| Short % of Float | 22.19% |
| Short Ratio (days to cover) | 4.42 |
Income Statement
In the last 12 months, PGY had revenue of $1.33 billion and earned $93.98 million in profits. Earnings per share was $1.10.
| Revenue | 1.33B |
| Gross Profit | 569.67M |
| Operating Income | 296.15M |
| Pretax Income | 78.98M |
| Net Income | 93.98M |
| EBITDA | 302.46M |
| EBIT | 296.15M |
| Earnings Per Share (EPS) | $1.10 |
Full Income StatementBalance Sheet
The company has $1.26 billion in cash and $928.00 million in debt, with a net cash position of $331.18 million or $4.00 per share.
| Cash & Cash Equivalents | 1.26B |
| Total Debt | 928.00M |
| Net Cash | 331.18M |
| Net Cash Per Share | $4.00 |
| Equity (Book Value) | 629.26M |
| Book Value Per Share | 6.39 |
| Working Capital | 1.30B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $247.38 million and capital expenditures -$29.30 million, giving a free cash flow of $218.08 million.
| Operating Cash Flow | 247.38M |
| Capital Expenditures | -29.30M |
| Depreciation & Amortization | 6.32M |
| Net Borrowing | 232.68M |
| Free Cash Flow | 218.08M |
| FCF Per Share | $2.63 |
Full Cash Flow StatementMargins
Gross margin is 42.85%, with operating and profit margins of 22.28% and 7.39%.
| Gross Margin | 42.85% |
| Operating Margin | 22.28% |
| Pretax Margin | 5.94% |
| Profit Margin | 7.39% |
| EBITDA Margin | 22.75% |
| EBIT Margin | 22.28% |
| FCF Margin | 16.41% |
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 | -19.44% |
| Shareholder Yield | -19.44% |
| Earnings Yield | 7.50% |
| FCF Yield | 17.40% |
Analyst Forecast
The average price target for PGY is $26.90, which is 77.91% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $26.90 |
| Price Target Difference | 77.91% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 10 |
| 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 | |
| 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 |
