NCM · Software - Infrastructure

Pagaya Technologies Ltd. (PGY) Stock

$18.41 +0.82% NCM: PGY Technology

Valuation

MetricValue
Price$18.41
Market Cap$1.54B
P/E Ratio11.99
P/B Ratio2.52
P/S Ratio1.13
EPS (TTM)$0.93
52-Week High$31.54
52-Week Low$10.40
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE24.48%
ROA7.49%
ROCE18.08%
Gross Margin17.68%
Operating Margin17.76%
Net Margin9.57%
Debt/Equity1.53
Current Ratio5.59

Annual Financials (USD)

Metric20212022202320242025
Revenue$446.0M$685.0M$773.0M$1.0B$1.3B
Operating Profit$-6.0M$-315.0M$-24.0M$67.0M$224.0M
Net Profit$-91.0M$-302.0M$-128.0M$-401.0M$81.0M
EPS$-8.25$-8.28$-2.14$-5.66$0.93
Op Margin-1.3%-46.0%-3.2%6.7%17.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$590.0M$1.0B$1.2B$1.3B$1.5B
Total Liabilities$106.0M$280.0M$543.0M$850.0M$991.0M
Cash$191.0M$310.0M$186.0M$188.0M$235.0M
Borrowings$38.0M$212.0M$413.0M$681.0M$858.0M

Latest News

Pagaya Closes $750 Million Auto ABS Transaction, Its Largest to Date Business Wire · Jul 16, 2026 Pagaya Technologies Ltd. (PGY) Stock Falls Amid Market Uptick: What Investors Need to Know Zacks · Jul 15, 2026 Pagaya Technologies (PGY) Stock Still Looks Cheap Despite Fresh AI Credit Expansion News Simply Wall St. · Jul 10, 2026 How Investors Are Reacting To Pagaya Technologies (PGY) Expanding AI Underwriting Into Travel-Focused BNPL Simply Wall St. · Jul 9, 2026 Is Pagaya Technologies (PGY) Still Cheap As Its Upgrade Flex Pay Expansion Draws Attention? Simply Wall St. · Jul 9, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$50.0M$-40.0M$10.0M$67.0M$239.0M
Investing Cash Flow$-147.0M$-182.0M$-433.0M$-522.0M$-324.0M
Financing Cash Flow$58.0M$-143.0M$-20.0M$41.0M$-38.0M
Net Cash Flow$199.0M$135.0M$-115.0M$4.0M$62.0M
Free Cash Flow$43.0M$-62.0M$-11.0M$43.0M$225.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.03
EV / EBITDA17.80
FCF Yield16.79%
Quick Ratio11.51
Interest Coverage0.00
Return 1Y-51.66%
Return 3Y-29.43%
Return 5Y-84.24%

Ownership

Insiders Held9.17%
Institutions Held54.16%
Institutions Float Held59.62%
Institutional HolderSharesReport Date
Viola Ventures V.c. Management 4 Ltd. 98,109,3292023-12-31
Clal Insurance Enterprises Holdings Ltd21,469,1352023-12-31
Millennium Management Llc5,934,0082023-12-31
Nuveen Asset Management, LLC5,589,3522023-12-31
Ejf Capital Llc5,555,4292023-12-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFRMAffirm Holdings, Inc. $79.68 +3.28% 12.14 $26.68B 0.00%
HTTHigh Templar Tech Limited $2.26 +0.00% 4.38 $365.92M 0.00%
LXLexinFintech Holdings Ltd. $1.46 +1.39% 1.16 $246.25M 0.00%
QFINQfin Holdings, Inc. $6.15 -3.53% 0.86 $799.99M 14.96%
YRDYiren Digital Ltd. $1.04 +6.12% -0.18 $90.41M 0.00%

About Pagaya Technologies Ltd.

Pagaya Technologies Ltd. is led by CEO Gal Krubiner, publicly traded since 2021.

Pagaya Technologies Ltd. (PGY) stock trades at $18.41 with a market capitalization of $1.54B. The stock is valued at a price-to-earnings (P/E) ratio of 11.99, price-to-book of 2.52, price-to-sales of 1.13. Over the past 52 weeks the stock has ranged between $10.40 and $31.54, and currently trades 41.6% below its 52-week high.

On profitability, Pagaya Technologies Ltd. generates a return on equity (ROE) of 24.48% — well above the market average, a sign of a high-quality business, return on capital employed of 18.08%, an operating margin of 17.76%, a net profit margin of 9.57%.

Related Technology Stocks

NVDA NVIDIA Corporation $229.90 -0.25% AAPL Apple Inc. $334.81 -1.65% MSFT Microsoft Corporation $534.50 +2.27% TSM Taiwan Semiconductor Manufacturing Company Ltd. $452.13 -1.28% AVGO Broadcom Inc. $363.60 +0.96% MU Micron Technology, Inc. $1024.91 -1.06% AMD Advanced Micro Devices, Inc. $611.14 -1.54% ASML ASML Holding N.V. - New York Registry Shares $1790.59 +1.18% INTC Intel Corporation $105.87 -1.13% PLTR Palantir Technologies Inc. $205.14 +3.20% CSCO Cisco Systems, Inc. $117.23 +2.03% ORCL Oracle Corporation $141.79 +4.88%

Popular Stocks

Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Eli Lilly (LLY)JPMorgan (JPM)Visa (V)Exxon Mobil (XOM)Walmart (WMT)UnitedHealth (UNH)

Screens featuring this stock

High ROE Technology StocksLow P/E Technology StocksHigh Net Margin Technology StocksDividend Technology StocksLow Debt Technology StocksAll stock screens
Run Stock Screener Investing Guides